Lance Roberts' Real Investment Hour

Social Security is back in the headlines, with warnings about trust fund shortfalls, benefit cuts, and proposed reforms creating anxiety for retirees and pre-retirees alike. But before making emotional decisions, it's important to understand what is actually at risk, what Congress is likely to do, and how to build a retirement income plan that works regardless of future changes. Richard Rosso breaks down the latest Social Security concerns, including Larry Kotlikoff's recent warnings, the program's unfunded obligations, and the legislative proposals currently being discussed in Washington. We examine whether claiming benefits early truly protects retirees from future cuts, why delaying benefits can dramatically improve retirement income, and how coordinating Social Security with pensions, savings, annuities, and investment portfolios may help create a more reliable retirement paycheck. And we talk Rhubarb pie. We also review potential reforms, including changes to payroll tax caps, CPI calculations, customer service improvements, workforce modernization, and bipartisan efforts aimed at strengthening the long-term sustainability of the program. Most importantly, we discuss how to run multiple retirement income scenarios so that uncertainty becomes part of the plan instead of a source of fear. 0:00 INTRO 1:01 - Social Security Cannot Go Away 2:36 - Taking SS Early doesn't guarantee no benefit cuts in 2032 3:27 - Larry Kotlikoff - "Horrific News" 5:50 - Social Security's Unofficial Debt & Coming Legislation 7:57 - Don't Panic: Plan It (Coordination of Benefits) 8:51 - Potential Changes Upcoming - running the scenarios 11:46 - The Best Retirement Combination (Retirement Nirvana) 13:45 - Creating a Paycheck in Retirement - Annuity Structures within 401k's 17:14 - The Benefit of Delaying Benefits - doing the math 18:34 - How Congress Might Make up the Difference 22:40 - Maintaining Standard of Living in Retirement 23:06 - Phasing out cap on SS Payroll Taxes 24:55 - Safeguarding American Families & Expanding SS Act 25:12 - CPI-E 26:31 - SS System Employee Count 28:10 - Making tax deductions permanent 30:04 - Senior Citizens' Freedom to Work act 32:48 - SS Customer Service Act vs upgrading systems 34:02 - The Autofill Act 35:00 - The Bi-partisan Social Security Commission Act 36:09 - Narrative Busters tease Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/V4m6knHOW2o?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Micron #Semiconductors #StockMarket #EarningsSeason #Investing #FederalReserve #RetirementPlanning #MarketOutlook

Has Micron's earnings report changed the outlook for semiconductor stocks and the broader artificial intelligence trade? With expectations running exceptionally high following a massive rally in chip stocks, investors are looking beyond headline numbers to what Micron's results and outlook may reveal about future demand, pricing power, and earnings growth across the industry. Lance Roberts & Michael Lebowitz discuss what Micron's report means for semiconductor stocks, market leadership, and the next phase of the AI-driven investment cycle. Here's a topical rundown of today's show: 0:00 - INTRO 1:05 - Economic Data Preview & Trump's Gasoline Gaffe 7:00 - Narrow Market Rally Obscures Underlying Weakness 13:02 - Micron Recap 16:32 - Nvidia vs Micron - Comparing the Fundamentals 20:26 - When Will Demand Slow or Supply Catch Up? 21:57 - "Your High Margin is My Invitation" 25:22 - The Law of Large Numbers Will Eventually Apply 28:58 - Calculating the Risk 30:32 - Crude Oil Pricing vs Gasoline 33:04 - Economic Data Preview - What Will Markets Do? 37:27 - Will CPI, PPI Indicators Matter to the Fed Now? 40:54 - Bonds Look Like Gasoline Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hu6OW8jg_XE ------- Watch our previous show, "Q&A Wednesday: What's Really Driving This Market? " https://youtube.com/live/b7C0L0Sd2mU ------- Watch today's "Before the Bell" feature, "Semiconductor Rally Hides Market Weakness" here: https://youtu.be/iT0t1C5puiE ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Micron #Investing #MarketOutlook #Micron #ArtificialIntelligence #Investing #Gasoline #CrudeOil

Markets can remain resilient longer than many expect, but understanding what is fueling the rally is critical for managing risk and protecting long-term financial goals. Lance Roberts & Danny Ratliff tackle your questions about what is really driving stocks higher, whether earnings expectations are becoming too optimistic, the risks of narrow market leadership, portfolio positioning in today's environment, bonds, inflation, artificial intelligence, and what investors should be watching next. Here's a topical rundown of today's show: 0:00 - INTRO 0:50 - Micron Earnings Day 5:30 - Dollar Rally & Money Flows 6:38 - Markets Break Below Consolidation 10:51 - How We Spend Money 13:23 - Do All IPO's Go Down After Lock-up Period? 18:18 - Where do Foreign Money Flows Come From? 19:21 - What to Do When Markets Feel "Toppy?" 24:32 - Manage Your Money for Risk, not Beating an Index 26:21 - Promises vs Reality 29:19 - Explaining Preferred Stock, Bonds, Shares (& pecking order in Bankruptcy) 33:37 - Can a Continued Rally in the Dollar Impact Markets? 35:31 - Concerned about U.S. Gov't. Debt? 40:27 - Effects of Foreign Money Creation on Domestic Money Flows 44:30 - The Importance of Convexity in a Portfolio 47:39 - Olive Garden vs Italy Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/b7C0L0Sd2mU ------- Watch our previous show, "The New Rules of Portfolio Protection" https://youtube.com/live/donQO1t_hLs ------- Watch today's "Before the Bell" feature, "Micron Earnings: The Bar Is Too High" here: https://youtu.be/v7poBC45Le0 ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Micron #Semiconductors #StockMarket #EarningsSeason #Investing #FederalReserve #RetirementPlanning #MarketOutlook

Markets are near highs, but momentum is slowing, breadth remains narrow, buybacks are entering blackout periods, and investors are looking for ways to participate in gains without exposing themselves to a major drawdown. Lance Roberts & Jon Penn discuss practical portfolio protection strategies that don't require moving entirely to cash. Here's a topical rundown of today's show: 0:00 - INTRO 0:58 - End of Quarter Rebalancing Begins 4:25 - Markets to Retest 50-DMA 9:17 - How to Stay Invested Without Getting Burned 14:19 - Take Some Profits & Stay Disciplined 16:10 - Two Camps of Space-X 23:34 - The AI/Industrial Revolution 20:45 - The market is changing how we manage money 27:39 - Avoiding Catastrophic Loss of Capital 30:35 - 15 Rules of Risk Management 31:47 - How to Hedge Your Portfolio 36:21 - The Risk in Trading 40:14 - Bull markets Breed Confidence 43:42 - Be Careful of Narratives vs Market Behavior 45:24 - Remember How You React to Market Downturns (pain) 47:56 - Hedging Your Portfolio is not a Binary Issue Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/donQO1t_hLs ------- Watch our previous show, "hen Money Flows Meet a Hawkish Fed" https://youtube.com/live/UYxvj5axVTQ ------- Watch today's "Before the Bell" feature, "Quarter-End Rebalancing Hits Markets," here: https://youtu.be/REkG7SgcVhw ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #PortfolioManagement #MarketVolatility #Investing #RiskManagement #PortfolioProtection #RiskManagement #RetirementPlanning #InvestingStrategy #WealthManagement

Markets remain near record highs, but the technical backdrop is becoming more complex. Strong money flows continue to support asset prices, while a more hawkish Federal Reserve threatens to tighten financial conditions and limit upside potential. Lance Roberts looks at how liquidity, institutional flows, market momentum, and investor sentiment are interacting with Fed policy. We also explore whether technical support levels can withstand higher interest rates, what history suggests when liquidity and monetary policy diverge, and what investors should watch next as markets navigate this critical crossroads. Here's a topical rundown of today's show: 0:00 - INTRO 1:12 - FIFA Fever & Setting Up for July 5:32 - Portfolio Rebalancing & Buyback Blackout 11:34 - Alan Greenspan death at 100 16:42 - Markets Trading on Plumbing More than Fundamentals 21:06 - Market Inflows - Where's the money coming fron? 26:45 - Micron Quarterly Preview - Where's the risk? 30:25 - Market Breadth Concerns 32:58 - Where Does the Money Go? 34:51 - Market Mechanics Remain Strong 39:00 - When Everyone Agrees...(Bob Farrell Rule #9) 40:27 - Three Things to Watch 43:12 - The Risks are Real Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jon Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UYxvj5axVTQ ------- Watch our previous show, "Black Swans, SpaceX, & Retirement Reality" https://youtube.com/live/Rq8NxfiiG2I ------- Watch today's "Before the Bell" feature, "Market Pennant: Breakout or Breakdown?" here: https://youtu.be/tYu7hYTjg_g ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #PortfolioManagement #Investing #Semiconductors #FederalReserve #AlanGreenspanDeath #KevinWarsh #MarketAnalysis

Richard Rosso & Jon Penn connect some of the biggest investing stories with the realities of retirement planning. From Elon Musk, SpaceX, and Social Security to Black Swan events and retirement planning, today's discussion explores how investors get drawn into powerful stories, confirmation bias, and headline-driven decisions. We examine why SpaceX is a unique market outlier, the importance of price discovery, and how unexpected events can have a greater impact on portfolios than most investors anticipate. We also cover retirement spending, liquidity, insurance, Warren Buffett's gifting strategy, AI's impact on inflation, and why every retirement plan should prepare for both opportunity and risk. Plus, a preview of our upcoming "Aging in Place Guide" and a teaser for Candid Coffee. Here's a topical rundown of today's show: 0:00 - INTRO 0:19 - Elon Musk's Trillion Dollars & Fixing Social Security 5:35 - Space-X Mania: Stocks are Stories 7:05 - Black Swans & Outliers 8:32 - Perspective: Financial Planners are the Party Poopers 12:02 - Confirmation Bias & Algorithms 14:53 - Outliers & Wings of the Black Swan 16:52 - Everyone's Retirement is Different 19:03 - Space-X is an Outlier - No Price Discovery 21:16 - The Retirement Smirk 24:24 - Finding Financial Bandwidth in Retirement 26:00 - PREVIEW: "The Aging in Place Guide" 26:31 - Aggressive Spending in Retirement 28:42 - How Warren Buffett Gifted & Conditional Gifting 29:46 - Dr. Phil Reels & Self-imposed Black Swans 31:49 - Having a little Sexy in your portfolio is okay 34:45 - Dealing with Headline Porn 36:02 - Is AI Inflationary or Dis-inflationary? 37:29 - Liquidity is he Greatest Asset You Can Have 38:43 - Black Swans today & Planning for the Worst 46:53 - Candid Coffee Teaser: Being Properly Insured 50:50 - Creating Black Swans 52:46 - Listening to Bulls AND Bears Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jon Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Rq8NxfiiG2I ------- Watch our previous show, "Kevin Warsh's First Day at the Fed" https://youtube.com/live/USe3OhTf1FM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #BlackSwanEvents #SpaceX #FinancialPlanning #Investing

What happens when a new Federal Reserve Chair takes office during a period of elevated market valuations, persistent inflation concerns, and growing pressure on interest rate policy? Lance Roberts discusses what investors should watch on Kevin Warsh's first day at the Fed, including potential shifts in monetary policy, inflation management, interest rates, bond markets, and stock valuations. Will the new leadership signal a more hawkish approach, a more market-friendly stance, or simply a continuation of current policy? Here's a topical rundown of today's show: 0:00 - INTRO 1:02 - A Very Different Fed Presser - Markets Did Not Like It 2:37 - Gobsmacked on America - No Beer in Boston 4:55 - Markets Grapple with End-of Quarter Blues 11:11 - Fattening or Immoral 11:42 - Editing the Fed Statement 13:31 - Kevin Warsh Press Conference clip - Impact of Oil on Economic Data 18:02 - Kevin Warch on 2% Inflation Target 19:55 - Changes in Fed Forward Guidance 23:47 - Fed Initiatives 31:23 - The Magnitude of Change at the Fed 28:05 - The Five Fed Task Forces 32:25 - Fed Communications 34:01 - The Fed Balance Sheet 35:06 - Reliance on More Instant Data 39:09 - Productivity & Jobs 39:29 - The Fed's Inflation Framework 42:08 - How Warsh Will Lead the Fed Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/USe3OhTf1FM ------- Watch today's "Before the Bell" feature, "Market Pennant: Breakout or Breakdown?" here: https://youtu.be/tYu7hYTjg_g ------- Watch our previous show, "Q&A Wednesday: What Matters Now?" https://youtube.com/live/ZBK984RQuvk ------- Articles mentioned in this report: "May Inflation Print: Why the 4.2% Headline Is an Oil Story," https://realinvestmentadvice.com/resources/blog/may-inflation-print-why-the-4-2-headline-is-an-oil-story/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #Investing #TechnicalAnalysis #PortfolioManagement #FederalReserve #KevinWarsh #InterestRates #StockMarket

Markets have rebounded sharply from their recent correction, but investors are now asking what comes next. Lance Roberts & Danny Ratliff answer your questions about the economy, interest rates, inflation, market valuations, bonds, retirement planning, artificial intelligence, geopolitics, and the biggest risks facing investors today. Will the Federal Reserve remain on hold? How could oil prices, earnings growth, and consumer spending impact markets during the second half of the year? Are stocks becoming too expensive, or is the bull market still intact? We break down the latest economic developments and provide practical insights to help you navigate today's rapidly changing environment. Here's a topical rundown of today's show: 0:00 - INTRO 1:02 - Markets Selloff, Semi's Consolidate 3:03 - Kevin Warsh Presser Preview 6:41 - Oil Prices Direct Feed Into Economic Data 12:48 - Repricing Stocks to Oil 15:09 - Software Stocks' Catalyst 17:04 - Nvidia Bond Offering & Need for High Quality 19:14 - Momentum Markets in Space Stocks 23:11 - Time to take Profits in Space-X? 26:52 - The Fed's 2% Target 28:44 - WWWD - What Will Warsh Do? 30:19 - Total Bond Funds - Not a great place to be 32:29 - Bonds in a Roth IRA? 34:30 - Shifting Portfolio Allocations 37:36 - Make Sure Allocation Represents Three Things: 40:57 - Why the 60/40 Allocation is Best 45:39 - Is Private Credit Still "a Problem"? 47:05 - Annuities in 401k's? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZBK984RQuvk ------- Watch today's "Before the Bell" feature, "Oil's Next Move Matters," here: https://youtu.be/EkUK7BwDUC4 ------- Watch our previous show, "SpaceX Mania: What Happens After the Hype?" https://youtube.com/live/Xr1Ut115-xA ------- Articles mentioned in this report: "May Inflation Print: Why the 4.2% Headline Is an Oil Story," https://realinvestmentadvice.com/resources/blog/may-inflation-print-why-the-4-2-headline-is-an-oil-story/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #OilPrices #CrudeOil #StockMarket #Inflation #Investing #FederalReserve #EconomicOutlook #WealthManagement

SpaceX has become one of the most anticipated investment stories in modern market history. Between Elon Musk's popularity, the company's technological achievements, and years of speculation about a public offering, investor excitement is reaching fever pitch. But what happens after the hype? Lance Roberts & Jon Penn examine the lessons to be learned from previous high-profile IPOs, and why some of the biggest investing mistakes occur after the initial excitement fades. We discuss valuation, investor psychology, momentum chasing, and the risks that emerge when enthusiasm becomes disconnected from fundamentals. We also look at the growing speculative interest surrounding leveraged products tied to the SpaceX theme, and why investors should be cautious when Wall Street starts packaging excitement into increasingly aggressive investment vehicles. Here's a topical rundown of today's show: 0:00 - INTRO 0:56 - America's 250th Anniversary Time Capsule & Space-X IPO 3:48 - The Bullish Setup Returns 8:18 - Back from Vacay... 9:32 - IPO's & Space-X 12:04 - What Happens Next - the Advantage in Waiting 14:19 - The FOMO Factor 17:53 - What Could Possibly Go Wrong? 19:02 - Has AI Lost Steam? (The New U.S.Industrial Revolution) 21:37 - What's Next After Iran War? (Economic Pressure Index) 24:08 - Two Things Driving Markets: Profitability & Optimistic Earnings Estimates 25:17 - Italian Gasoline Prices 28:38 - Interest Rates, Bonds, & Kevin Warsh at the Fed 33:59 - A Tip about TIPS 35:44 - Why You Should Own Some Bonds 37:59 - The Three Components of Investing: Safety, Liquidity, & Returns 41:01 - Annuities as Bond "Alternatives?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Xr1Ut115-xA ------- Watch today's "Before the Bell" feature, "Bullish Setup Returns," here: https://youtu.be/ox4_xMsXqt4 ------- Watch our previous show, "Bull Market Pullback - Is the Correction Over?" https://youtube.com/live/csXApjrvlNY?feature=share ------- Articles mentioned in this report: "May Inflation Print: Why the 4.2% Headline Is an Oil Story," https://realinvestmentadvice.com/resources/blog/may-inflation-print-why-the-4-2-headline-is-an-oil-story/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketUpdate #Investing #ArtificialIntelligence #SectorRotation #SpaceX #ElonMusk #IPO #Bonds #Annuities #KevinWarsh

The market finally delivered the pullback we expected, with stocks retreating roughly 4.5% before finding support at the 50-day moving average. Was that enough to reset bullish sentiment, or is another correction still ahead? In this episode, Lance Roberts examines why the 50-DMA remains one of the most important technical support levels during an ongoing bull market and whether the recent decline was simply a healthy pause within a larger uptrend. Here's a topical rundown of today's show: 0:00 - INTRO 0:54 - Launching another Holiday-shortened Week 6:17 - Market Pullback Enables Stock Buys 12:26 - Roberts Family Travel Travails 26:55 - Markets Pull Back 35:13 - Bond Yields Now Exceed Yield on Equities 37:42 - Market Analysis Now 40:16 - How to Trade Now (Avoid Narratives) 46:38 - World Cup & Social Media Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/csXApjrvlNY?feature=share ------- Watch today's "Before the Bell" feature, "S6-15-26 Bull Market Pullback Held" here: https://youtu.be/rat_wi7b9eM ------- Watch our previous show, "Aging Alone: The Financial, Legal, and Caregiving Plan" https://youtube.com/live/1xGIEPzZgQQ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketCorrection #Investing #TechnicalAnalysis #Investing #BullMarket #MarketCorrection

More Americans are entering retirement without a spouse, children nearby, or a built-in support system. Aging alone presents unique financial, legal, healthcare, housing, and caregiving challenges that require proactive planning long before a crisis occurs. Richard Rosso & Devoda Owens discuss the essential steps solo agers should take to maintain independence, protect their finances, prepare for healthcare needs, and create a reliable support network. Whether you are approaching retirement, already retired, or helping a loved one navigate the aging process alone, this discussion provides a practical roadmap for maintaining financial security, personal dignity, and quality of life throughout retirement. Here's a topical rundown of today's show: 0:00 - INTRO 0:19 - Hate Ball, Nat'l. Donut Day,, & Mummy Beer(!) 5:18 - The Dilemma of Aging in Place 13:55 - Building a Reliable Support Network 16:23 - Creating a Housing Plan for Old Age 19:40 - Proximity to Healthcare 22:25 - Finding Proper Personal Care 26:43 - Legal Prep & Elder Law Attorney 29:05 - Identifying Risks in the Home 32:09 - Preparing for Long Term Care 33:22 - Life 360 & Monitoring technology 35:47 - Having a Purposeful Retirement 36:57 - The Village People 39:28 - Home Care Agencies 40:07 - National Resources 44:34 - Candid Coffee Coming Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/1xGIEPzZgQQ ------- Watch today's "Before the Bell" feature, "Single Sector Driving Markets," here: https://youtu.be/mRXYN5YlgdI ------- Watch our previous show, "Muni Bonds for Tax-Free Income in Retirement" https://youtube.com/live/XbYe5BPn8jA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #AgingAlone #LongTermCare #RetirementIncome #FinancialPlanning

It's Q&A Wednesday, where we tackle your investing, retirement, market, and economic questions live. Today's topics include whether defense and drone companies remain attractive investments, if weak cryptocurrency performance is a warning sign for broader markets, how Kevin Warsh could impact interest rates and financial markets, and what size correction would warrant deploying additional cash. We also discuss investor psychology, risk versus reward for re-entering markets, whether investors need to put money to work immediately, building income-generating portfolios with municipal bonds, reserve currency concerns, opportunities in micro-modular nuclear reactors, SimpleVisor portfolio positioning, the semiconductor gamma squeeze, saving and investing excess income, the true cost of homeownership, and using options strategies to manage portfolio risk. Here's a topical rundown of today's show: 0:00 - INTRO 6:27 - Market Acceleration is Slowing 11:57 - Looking at Defense/Drone Companies 13:07 - Is the Poor Performance of Cyber Currencies a Harbinger of Things to Come? 18:24 - Will Kevin Warsh Raise Rates (and how will markets react)? 21:22 - How Large a Correction Would Trigger Cash Deploy,ent? 23:38 - The Problem for Most Investors: Psychology 25:59 - The Risk/Reward Proposition for Re-Entry to Markets 28:53 - Do You NEED to Deploy Capital now? 29:40 - The Start Here Page 33:37 - Building Income Generation Portfolio w Muni's 38:44 - Abuse of Role as Primary Holder of World's Reserve Currency 39:34 - Micro-modular Nuclear Reactor Investments 41:14 - SimpleVisor Portfolios 43:40 - How Can Semi's Be a Gamma Squeeze? 46:59 - Saving 50% of Income - Where to send the rest? 49:51 - The Cost of Home Ownership 52:15 - Selling Calls to Buy Puts? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ppkqABinsxs ------- Articles Mentioned in Today's Show: "15 Investing Rules To Win The Long-Game" https://realinvestmentadvice.com/resources/blog/15-investing-rules-to-win-the-long-game/ "Risk Management For Retirees: When To Reduce Exposure:" https://realinvestmentadvice.com/resources/blog/risk-management-for-retirees-when-to-reduce-exposure/ ------- Watch today's "Before the Bell" feature, "Markets Need a Breather," here: https://youtu.be/0_dOuwmQFeY ------- Watch our previous show, "Risk Management for Retirees: When to Reduce Exposure," https://youtu.be/MSj51cpXXg8 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketCorrection #TechnicalAnalysis #Investing #BeforeTheBell

Investors continue to focus on familiar concerns such as the U.S. dollar, bond yields, oil prices, and geopolitical tensions. But are the biggest risks and opportunities actually hiding in plain sight? Lance Roberts & Jon Penn discuss several important questions facing investors, like what market risks and opportunities may be receiving too little attention right now, and why predicting portfolio returns over the next 12 months is an impossible task, and what investors should focus on instead. Here's a topical rundown of today's show: 0:00 - INTRO 1:05 - Software & Maga Cap Tech Carry the market 5:08 - Previous Predictions Come to Pass 11:24 - Making Bad Financial Decisions - The Mini Retirement Trend 17:24 - Frugal Living Habits 22:36 - Business-building & Solo-preneurs 24:24 - Time is Your Greatest Asset 27:12 - Faulty Analyses vs the way it was 29:30 - Wants vs Needs - How Peer Pressure Drives Bad Financial Decisions 30:26 - Youth Sports Expenses & Private Equity 32:00 - The Financial Folly of 'Keeping Up w/the Jones' 35:40 - Scholarship Realities 39:18 - What's It All For? 43:07 - Putting Skin in the Game 45:07 - Kids, Credit Cards & Financial Responsibilities Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtu.be/MSj51cpXXg8 ------- Articles Mentioned in Today's Show: "15 Investing Rules To Win The Long-Game" https://realinvestmentadvice.com/resources/blog/15-investing-rules-to-win-the-long-game/ "Risk Management For Retirees: When To Reduce Exposure:" https://realinvestmentadvice.com/resources/blog/risk-management-for-retirees-when-to-reduce-exposure/ ------- Watch today's "Before the Bell" feature, "Software Squeeze Meets Reality," here: https://youtu.be/N5vR32ESAeY ------- Watch our previous show, "Risk Management for Retirees: When to Reduce Exposure," https://youtube.com/live/2d6jS369BWM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Investing #StockMarket #FinancialPlanning #MarketValuations #WealthManagement #SoftwareStocks #Semiconductors #StockMarket #Investing #MarketAnalysis

One of the biggest challenges retirees face is balancing the need for portfolio growth with the need to protect hard-earned savings. With markets near record highs, valuations elevated, and investor sentiment increasingly optimistic, when should retirees consider reducing portfolio risk? Lance Roberts discusses the principles of risk management for retirees and why successful investing is often more about protecting capital than maximizing returns. Here's a topical rundown of today's show: 0:00 - INTRO 0:50 - End of Quarter - Looking forward to June & July 3:24 - Hurricane Season Fun 4:51 - Easy Market Breeds Investor Complacency - No One Wants Insurance 11:47 - RIA Website Tour 15:42 - Viewer Email: What to Do As Market Correction Approaches? 17:35 - Get Invested! 19:01 - The Most Important Commodity - Time 20:24 - Risk Management is NOT Market Timing 21:22 - What is the Definition of Risk? 25:28 - Risk Management vs Market Timing 30:16 - The Math of Loss 32:00 - The Myths of Investing 34:45 - Investor Psychology 34:45 - Investor Psychology 38:37 - Write Rules Down 40:09 - How to Get Back In Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2d6jS369BWM ------- Articles Mentioned in Today's Show: "15 Investing Rules To Win The Long-Game" https://realinvestmentadvice.com/resources/blog/15-investing-rules-to-win-the-long-game/ "Risk Management For Retirees: When To Reduce Exposure:" https://realinvestmentadvice.com/resources/blog/risk-management-for-retirees-when-to-reduce-exposure/ ------- Watch today's "Before the Bell" feature, "Portfolio Insurance Before the Pullback?" here: https://youtu.be/N5vR32ESAeY ------- Watch our previous show, "Investor Anxiety, Roth Strategies, and Retirement Reality," https://youtube.com/live/ZL8lA-xHlMs ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketCorrection #PortfolioProtection #RiskManagement #InvestingStrategy #StockMarket #RetirementPlanning #Investing #RetirementIncome #FinancialPlanning

Investors continue wrestling with uncertainty, frustration, and the fear of making the wrong move in today's market environment. Jon Penn & Sarah Buenger discuss why waiting for the “perfect” entry point often keeps investors sidelined, how hindsight bias and regret aversion impact decision-making, and why investing does not have to be an all-or-nothing approach Here's a topical rundown of today's show: 0:00 - INTRO 0:20 - We Don't Sleep so You Can 4:11 - World of Roth Preview & Market Summary 10:15 - How to Get Money Into Roth 13:39 -The Back Door Roth 17:21 - IRS Strategies & Prorata Rule 18:23 - Regular Roth Conversions 20:34 - Super-loading Roths 24:49 - 457 Limitations 25:22 - Mega-Backdoor Roths 27:01 - Not Every Employer Plan Includes Roth 31:35 - 529 to Roth Conversions 30:32 - When the IRS is Your "Business Partner" 33:28 - Rules of Roth & Preferred Order 35:28 - Strategies for Spousal Contributions 37:25 - When the Roth Maths don't Math 38:56 - Inheritance Tax Efficiency Considerations 41:17 - Tax Considerations & Implications in Roth Conversions 43:47 - Pre-Tax vs After-Tax considerations Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZL8lA-xHlMs ------- Articles Mentioned in Today's Show: "15 Investing Rules To Win The Long-Game" https://realinvestmentadvice.com/resources/blog/15-investing-rules-to-win-the-long-game/ "AI Productivity And Innovation: Prosperity Or Engels Pause?" https://realinvestmentadvice.com/resources/blog/ai-productivity-and-innovation-prosperity-or-engels-pause/ ------- Watch today's "Before the Bell" feature, "Tech Rally Risk Rising," here: https://youtu.be/AVXI7TCayvI ------- Watch our previous show, "Is the Semiconductor Trade Going Too Far," https://youtube.com/live/XB3W7awMDZk ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #Investing #RothIRA #FinancialPlanning #StockMarket

Semiconductor stocks continue to dominate market leadership as AI spending, data center demand, and investor enthusiasm push valuations higher. But is the semiconductor trade becoming dangerously overcrowded? Lance Roberts & Michael Lebowitz examine whether the current AI-driven semiconductor boom is sustainable or if markets are entering another phase of excessive speculation. We discuss narrow market breadth, concentration risk inside major indexes, memory chip pricing, Korea's growing importance in the global semiconductor supply chain, and whether investor optimism is outrunning economic reality. Here's a topical rundown of today's show: 0:00 - INTRO 1:02 - End of Quarter prep; Triton Joins $-Trillion Club 5:59 - Market Driver Primarily Technology 12:05 - Semiconductor Commentary 18:01 - 15 Trading Rules info 19:18 - PCE Price Index Preview 23:03 - U.S. Economy Continues to Accelerate 27:27 -How Does Divergence in Oil Prices Resolve? 29:26 - Market Complacency on Resolution in Iran 31:22 - Dispersion Index - Fragile/Stable vs Ripe for Rotation 33:16 - AI Impact on Economy - Bullish vs Bearish cases 35:43 - AI & the Engels Pause 37:45 - What New Jobs Will AI Generate? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/XB3W7awMDZk ------- Articles Mentioned in Today's Show: "15 Investing Rules To Win The Long-Game" https://realinvestmentadvice.com/resources/blog/15-investing-rules-to-win-the-long-game/ "AI Productivity And Innovation: Prosperity Or Engels Pause?" https://realinvestmentadvice.com/resources/blog/ai-productivity-and-innovation-prosperity-or-engels-pause/ ------- Watch today's "Before the Bell" feature, "Tech Rally Risk Rising," here: https://youtu.be/AVXI7TCayvI ------- Watch our previous show, "Q&A Wednesday: Real Advisors, Real Answers ," https://youtube.com/live/zzDZJD0kIeA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #TechnologyStocks #Semiconductors #SP500 #MarketRisk #Semiconductors #ArtificialIntelligence #AIStocks

Markets, retirement, inflation, taxes, the Fed, portfolio risk, and financial planning — nothing is off limits during this week's Q&A Wednesday. Lance and Danny answer viewer questions live and break down what matters most to investors right now, from market volatility and interest rates to retirement income strategies and long-term wealth planning. Join the conversation and get straightforward insights from real advisors dealing with real-world financial challenges every day. Here's a topical rundown of today's show: 0:00 - INTRO 1:09 - Markets Set New Highs, Iran Talks Continue 5:46 - Markets' Rising on One Sector 9:54 - When Will the Market Correct? 15:16 - Inflation Strategies - What Is Your Goal? 20:54 - What Does "Increasing Equity Exposure for Summer" Look Like? 23:14 - Is Space a Viable Investment? 28:14 - What is the Narrative for Foreign Countries Selling U.S. Debt? 30:20 - Backing Into a Diversification Strategy 32:24 - Focus on the "P" in GDP 34:00 - Why Own Long Bonds? 37:20 - What is Your Reinvestment Risk? 38:46 - How to Protect from Sequence of Returns Risk? 40:48 - What Milton Friedman Really Said Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/zzDZJD0kIeA ------- Articles Mentioned in Today's Show: "Corrections vs. Bear Markets: Why 20% Declines Are Obsolete" https://realinvestmentadvice.com/resources/blog/corrections-vs-bear-markets-why-20-declines-are-obsolete/ "SpaceX IPO: Should I Buy It, Or Wait?" https://realinvestmentadvice.com/resources/blog/spacex-ipo-should-i-buy-it-or-wait/ ------- Watch today's "Before the Bell" feature, "Narrow Rally Risks," here: https://youtu.be/dO-rDPLZBa8 ------- Watch our previous show, "Why 20% Market Drops Don't Matter," https://youtube.com/live/PdNwnrviYnQ?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #AIStocks #MarketBreadth #Investing #FederalReserve #QandAWednesday #FinancialPlanning

Wall Street still defines a “bear market” as a 20% decline, but does that rule still apply in today's market environment? Lance Roberts & Jon Penn break down why traditional definitions of corrections and bear markets may be obsolete after 17 years of Fed intervention, massive liquidity injections, and historically elevated valuations. We also answer one of the biggest questions investors are asking right now: how do you balance staying invested while also remaining defensive? We discuss risk management, position sizing, portfolio hedging, and how investors can recognize when it may be time to become more cautious without abandoning long-term investment discipline. Lance & Jon also iscuss one of the biggest behavioral mistakes investors make during strong bull markets: allowing the “tax tail” to wag the investment dog. We examine strategies for trimming concentrated positions, managing capital gains, utilizing Donor Advised Funds, exploring option collars for risk management, and remembering that paying taxes usually means you made money in the first place. Here's a topical rundown of today's show: 0:00 - INTRO 0:53 - Iran Talks & Oil Prices 3:11 - Markets over Bought & Over Extended 7:03 - 20% Market Decline - Reality 12:35 - Sneaky Sneezes & Story Time w Jon 13:30 - Market Declines & Investor Mistakes 15:17 - The Difference Between Losing Gains vs Principle 16:48 - Useless Predictions 20:31 - How We Manage Long Term Risks 22:32 - How Warren Buffett Invests (You're not him) 24:03 - Corrections Are Not Nothin' 26:04 - Where Does Gloom & Doom Come From? 27:24 - If Debt-to-GDP Was a Problem - What the Markets Know 31:00 - Don't Let the Tax Tail Wag the Gains Dog 34:36 - When the Fed Chair Changes... 36:55 - Bond Price Moves vs "Fixed"? 42:31 - The Only Way to Buy Bonds 44:56 - Never Ever Borrow Against Your 401k (again) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PdNwnrviYnQ?feature=share ------- Articles Mentioned in Today's Show: "Corrections vs. Bear Markets: Why 20% Declines Are Obsolete" https://realinvestmentadvice.com/resources/blog/corrections-vs-bear-markets-why-20-declines-are-obsolete/ ------- Watch today's "Before the Bell" feature, "Narrow Rally Risks," here: https://youtu.be/dO-rDPLZBa8 ------- Watch our previous show, "Parabolic Bubble Brewing - Tom Thornton Interview-2," https://youtube.com/live/s5pdp2zHltg ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #AIStocks #MarketBreadth #Investing #FederalReserve #StockMarket #BearMarket #FederalReserve #Investing #MarketCorrection

Qualified Charitable Distributions, or QCDs, can be one of the most tax-efficient strategies available for retirees with IRA assets. But are they always the right move? Richard Rosso and Jonathan McCarty break down the pros and cons of QCDs, including how they interact with Required Minimum Distributions (RMDs), adjusted gross income (AGI), Medicare IRMAA surcharges, Social Security taxation, Roth conversions, and estate planning strategies. Here's a topical rundown of today's show: 0:00 - INTRO 0:19 - Texas Tree Roaches & Market Commentary 4:08 - AI Data Centers & Anti-AI Mentalities & Other Observations 16:23 - How AI Tools Can Help 19:04 - Qualified Charitable Distributions 21:13 - Falling Into the Widows' Trap 23:38 - Age Requirements of QCD's 29:46 - How QCD's Work 31:57 - What is Your Charitable Intent? 34:26 - Looking at QCD Limits 36:31 - "The Process is Clunky" - Ed Slott 41:09 - Who Benefits from QCD's? 43:40 - Dynaminc Learning Series - SimpleVisor Nerd Alert Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PdNwnrviYnQ?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Pause Before Summer Rally?" here: https://youtu.be/oWiPrlAYz5A ------- Watch our previous show, "The AI Economy Beyond The Hype" https://youtube.com/live/TeIhoqBT8dg ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #QCD #Taxes #IRA #FinancialPlanning

The AI economy looks unstoppable on the surface, but what is really happening underneath? Lance Roberts and Michael Lebowitz break down the massive surge in AI infrastructure spending, the role of hyperscaler CapEx in driving GDP growth, and whether AI is creating a stronger economy or masking deeper structural weaknesses. Here's a topical rundown of today's show: 0:00 - INTRO 0:53 - NVIDIA, AI, & Streamlining Workforce 5:41 - Market Sell Signals and Chances for Summer Correction 10:10 - Weakness in Economic Data is Transitory 14:53 - Oil Price Economic Impact - When Does it Hit? 16:36 - The AI Economy -Beyond the Hype 19:52 - How Will AI-generated Productivity Work Through Economy? 22:33 - Data Center Spending Impact on GDP Growth 26:41 - GDP per Capita per US States vs Internationals 29:40 - Every Economy Has a "K" 31:07 - What AI Can Do For You 32:33 - When Dire Predictions Don't Come True 35:52 - ...this doesn't mean we can't have a recession 37:44 - Points to Ponder from Latest NVIDIA Report 38:47 - Space-X (SPCX) IPO Preview Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Articles mentioned in this report: "The AI Economy: Looking Beyond The Facade Part 1" https://realinvestmentadvice.com/resources/blog/the-ai-economy-looking-beyond-the-facade-part-1/ "The NVDA Earnings Report: Could It Pop The Gamma Bubble?" https://realinvestmentadvice.com/resources/blog/the-nvda-earnings-report-could-it-pop-the-gamma-bubble/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TeIhoqBT8dg ------- Watch today's "Before the Bell" feature, "Momentum Pause Before Summer Rally?" here: https://youtu.be/oWiPrlAYz5A ------- Watch our previous show, "Q&A Wednesday - Straight Talk About Your Money" https://youtube.com/live/ngEmjqsUFTY ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketCorrection #SP500 #Investing #MarketOutlook #ArtificialIntelligence #AIeconomy #StockMarket #EconomicOutlook #TechnologyStocks

Markets are hitting new highs while volatility, inflation concerns, interest rates, and geopolitical risks continue to pressure investors. Lance Roberts and Danny Ratliff answer your questions about investing, retirement planning, portfolio management, taxes, market risk, Federal Reserve policy, and the economy. From market momentum and valuation risks to retirement income strategies and financial planning mistakes, this is your opportunity to get straightforward answers without Wall Street spin. Here's a topical rundown of today's show: 0:00 - INTRO 0:57 - Markets Trying to Sell-off 6:17 - Market Comparisons 11:19 - Not Reading the News is Better 12:08 - Is TLT a Good Buy Now? 15:40 - What to Do with Cash 16:40 - Can Bond Yields Go Over 5.5%? 19:08 - Will There Be Inflation from SCOTUS Ruling on Trucker Broker Liability? 20:14 - What Would Trigger Differentiation from Standard Correction or Worse? 23:50 - Higher Oil = Higher Treasuries? 28:26 - Space Stocks, Momentum Trading, & Space-X IPO 31:27 - The Roth Conversion Conundrum 33:53 - APLD Positioning & Short Squeeze 36:21 - Correlation of Assets - What to do when trades don't work 40:46 - Microsoft, AI, & Layoffs 41:48 - What is Your Plan for a Market Downturn? 49:14 - Social Security Reform - Raising Minimum Retirement Age? 55:02 - In What Sector will Space-X Be Placed? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Articles mentioned in this report: "The NVDA Earnings Report: Could It Pop The Gamma Bubble?" https://realinvestmentadvice.com/resources/blog/the-nvda-earnings-report-could-it-pop-the-gamma-bubble/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ngEmjqsUFTY ------- Watch today's "Before the Bell" feature, "Market Decoupling Danger," here: https://youtu.be/uDPuWbEqO-E ------- Watch our previous show, "U.S. - Iran Risks You Cannot Ignore" https://youtube.com/live/YT_BHXcoydw ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BullMarket #MarketCorrection #FederalReserve #Investing #Investing #Retirement #FinancialPlanning #SocialSecurity #SpaceXIPO

Narrow market leadership is becoming a growing risk for investors heading into the summer months. While the S&P 500 continues pushing near record highs, a small group of mega-cap technology stocks is carrying most of the market higher as broader participation weakens beneath the surface. Lance Roberts breaks down why concentrated leadership matters, what history says about narrow rallies, and why stretched momentum in semiconductors, AI, and mega-cap growth stocks could leave markets vulnerable to sharper volatility ahead. We'll review the widening gap between cap-weighted and equal-weight indexes, weakening sector participation, and the growing importance of risk management as markets move further above long-term trends. Here's a topical rundown of today's show: 0:00 - INTRO 0:54 - Strong Earnings Season Continues - Nvidia Prelude 6:01 - Markets Complete 7th Week of Gains 12:01 - Bring Your Kid to Work Day 12:54 - Signs of Market Risk Ahead 15:30 - Market Breadth Has Been Worrisome 17:17 - Market Weighting is Important 19:51 - Narrow Market Leadership History 21:44 - Negative Market Should Be Expected 22:35 - Factors of Risk 24:22 - When Correction Comes... 26:47 - Six Actions You Can Take Now 32:17 - Warren Buffett's Cash 35:24 - The Buffett Indicator: Warren's Calling for a Crash? 36:57 - Two Readings that Matter 41:45 - Why Do You Own Berkshire-Hathaway 43:41 - What Would Warren Buffett Buy (WWWBB)? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Market Leadership Is Narrow, Increasing Summer Risk" https://realinvestmentadvice.com/resources/blog/leadership-is-narrow-increasing-market-risk-into-summer/ "Buffett Cash Hoard: Why $397 Billion Sits On The Sidelines" https://realinvestmentadvice.com/resources/blog/buffett-cash-hoard-why-373-billion-sits-on-the-sidelines/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ajQHux6HT7k ------- Watch today's "Before the Bell" feature, "Momentum Meets Gravity," here: https://youtu.be/-HT6wtmOzjw ------- Watch our previous show, "What Your Advisor Should Really Do" https://youtube.com/live/HXafEWQMFuI?feature=share ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketCorrection #Investing #SP500 #MarketOutlook #WarrenBuffett #BerkshireHathaway #MarketRisk #TechnologyStocks #FederalReserve

What should you really expect from a financial advisor? Is your advisor acting as a fiduciary, managing risk, helping with taxes, retirement income, estate planning, and behavioral coaching, or just selling products and chasing performance? Richard Rosso & Jonathan McCarty break down the real role of a financial advisor, what services matter most, how advisors are compensated, and the warning signs investors often miss. We also discuss fiduciary standards, portfolio management, communication expectations, financial planning, and why transparency matters more than promises.. Here's a topical rundown of today's show: 0:00 - INTRO 0:18 - Jerome Powell, Kevin Warsh (Janet Yellen) & CPI Review 4:18 - Employment Numbers & Data Centers, & Robots Chasing Hogs 6:26 - What Does Your Advisor Do? 10:16 - What Should You Expect? 14:24 - What Are You Getting vs Giving Up? 16:02 - Looking at Taxes on a Continuum 19:35 -Investment Management is Important 20:44 - AI, Robots, and Animatronic Beavers 25:40 - Financial Advisors with Open Minds 27:41 - Fixed-cost vs Fee-based Financial Planning 30:10 - How to Deal with Emotional & Cognitive Biases 34:22 - Math & Movie Voice-overs 36:02 - Fiduciaries Focus on Things You Miss 37:45 - Proper Asset Location 38:14 - Fee Transparency - How advisors get paid 41:20 - Red Flag Warnings When Choosing an Advisor 42:59 - What Annuities Do (and Don't Do) 45:25 - Fee-only vs Fee-based Advisors44;31 - Big Firms vs Small Firms - KYC 47:02 - What Comprehensive Wealth Management Should Look Like 47:54 - Candid Coffee - Financial Organization Made Simple Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "The Perfect Planning Experiemce" https://realinvestmentadvice.com/ria-e-guide-library/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/HXafEWQMFuI?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Mania Meets Market Rotation," here: https://youtu.be/bNIRIssbDP8 ------- Watch our previous show, "Inflation Surge Hits Markets?" https://youtube.com/live/UOSeQNOhcwI ------- * REGISTER for our next Candid Coffee, THIS Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialAdvisor #RetirementPlanning #Investing #WealthManagement #Fiduciary

Inflation pressures may be heating up again, and markets are beginning to notice. Rising prices can have major consequences for stocks, bonds, interest rates, and Federal Reserve policy. Lance Roberts & Michael Lebowitz discuss why persistent inflation is dangerous for both investors and the economy, how rising yields pressure bond prices, and why higher rates can challenge stock valuations — especially in high-growth and technology sectors. We also examine whether the recent market rally is underestimating the risk of another inflation wave. Here's a topical rundown of today's show: 0:00 - INTRO 1:04 - Gamma Squeeze & Markets' 7-week Run 5:16 - Market Sectors vs Market Factors 13:34 - Rotations from Semi's to SAAS's? 15:57 - Market Rotations Back to Value? 17:50 - Charting Relative Scores of Market Factors 19:42 - Why Dispersion Matters 20:54 - CPI & Inflation Data - What Does it Tell Us? 23:41 - Gasoline Prices & CPI Calculations 26:58 - Chart Crimes and "Lower" Inflation 29:28 - CPI Today vs 1970's (more chart crime) 31:06 - What Kevin Warsh is Walking Into 33:35 - The Fed's Trap and Consumption Destruction 38:02 - Earnings Revisions Coming from Narrowed Breadth 38:53 - Commentary - Government Spending Impact on Inflation 45:35 - Debt to GDP Ratio - Explain Japan Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Government Debt: Not What The Doom Crowd Thinks It Is:" https://realinvestmentadvice.com/resources/blog/government-debt-not-what-the-doom-crowd-thinks-it-is/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UOSeQNOhcwI ------- Watch today's "Before the Bell" feature, "Momentum Mania Meets Market Rotation," here: https://youtu.be/bNIRIssbDP8 ------- Watch our previous show, "Q & A Wednesday: Real Answers. No Spin." https://youtube.com/live/vMLyZ9wZbH8 ------- * REGISTER for our next Candid Coffee, THIS Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MomentumStocks #Semiconductors #ValueInvesting #MarketRotation #Inflation #Bonds #InterestRates #FederalReserve

Q&A Wednesday is back. Markets are pushing record highs while oil prices surge on renewed Iran and Strait of Hormuz tensions, inflation concerns remain elevated, and the AI trade continues to dominate Wall Street headlines. Investors are also watching the Fed, tariffs, interest rates, retirement risks, taxes, and portfolio positioning as volatility quietly builds beneath the surface. Lance Roberts and Danny Ratliff answer your questions, live, with straightforward analysis and no spin. Bring your questions about markets, retirement planning, portfolio management, taxes, risk, the economy, or whatever is on your mind. Questions we answered on today's show include: 0:00 - INTRO 0:56 - CPI Checks In Higher Than Expected 5:02 - Duration and Velocity of Bullish Stampede 9:47 - Birthday Fishing Present 14:44 - Berkshire Hathaway Exposure to AI 17:30 - Investing Like Warren Buffett 19:12 - Why Aren't Swap Lines "Printing Money Out of Thin Air"? 22:03 - CPI Revisions 25:17 - Deflation in Rents 26:03 - GDP, Inflation, & Yields 27:00 - Hold Long-Dated Bonds or Sell? 28:04 - Are REIT's Over Extended? 29:41 - Should You Average into the S&P? 30:52 - Why is Stock-picking/Diversification So Hard Now? 32:30 - Stock Market Regimes & Asset Allocation 34:41 - CPI Data vs Fixed Income Allocations 41:06 - Church vs Casino Investing 42:03 - Long Term Investor: What's Your Personality? 46:37 - RSP vs SPY in Current Market Condition? 50:44 - What's a Good ETF for a Younger Person to Invest In? 52:34 - Space-X IPO Effects on Markets & Indexes Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Commodity Supercycle: The Enemy Of The Bull Thesis (Part 1)" https://realinvestmentadvice.com/resources/blog/commodity-supercycle-the-enemy-of-the-bull-thesis-part-1/ "Earnings Estimate Revisions Are Very Optimistic" https://realinvestmentadvice.com/resources/blog/earnings-estimate-revisions-are-very-optimistic/ "Parabolic Semiconductor Rally Is Pricing In 2028 Already" https://realinvestmentadvice.com/resources/blog/parabolic-semiconductor-rally-is-pricing-in-2028-already/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/vMLyZ9wZbH8 ------- Watch today's "Before the Bell" feature, "Buying Stampede: Good News & Bad News." here: https://youtu.be/hDeUW-rmwC4 ------- Watch our previous show, "Five Questions for Smarter Money Decisions" https://youtu.be/rZ1lej68NvE ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Investing #MarketCorrection #BullMarket #QandAWednesday #StockMarket #RetirementPlanning #Investing #AskUsAnything

Should you pay off debt, invest more in your 401(k), or do both? Lance Roberts & Jon Penn walk through five real-world financial decisions that millions of Americans face every year. Using new Vanguard research and simple math, we break down how to prioritize credit cards, mortgages, student loans, retirement savings, and employer matches to maximize long-term wealth. We also discuss why the mathematically correct answer is not always the emotionally correct one, and how personal priorities, risk tolerance, and peace of mind factor into financial planning. Key topics include: 0:00 - INTRO 1:12 - Six Weeks of Market Advances - What Happens in Week-7?4:36 - Economic Data Review 5:30 - Narrow market Rally Poses Portfolio Risk 10:35 - Birthday Table & Coming Attractions 12:00 - Five Questions to Help You Make Better Financial Decisions 13:45 - Everybody Starts from Scratch 18:20 - Invest or Pay off Debt? 20:54 - Not Everybody Contributes to 401k Plan 25:50 - The Number One Asset is Time 30:21 - Taking a Loan Against Your 401k? (NO!) 32:51 - Margo Has Money Troubles & Other Streaming Treats 35:12 - Inherited Money: Pay Off Mortgage? (NO!) 43:04 - Healthy Debt vs Unhealthy Debt Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Commodity Supercycle: The Enemy Of The Bull Thesis (Part 1)" https://realinvestmentadvice.com/resources/blog/commodity-supercycle-the-enemy-of-the-bull-thesis-part-1/ "Earnings Estimate Revisions Are Very Optimistic" https://realinvestmentadvice.com/resources/blog/earnings-estimate-revisions-are-very-optimistic/ "Parabolic Semiconductor Rally Is Pricing In 2028 Already" https://realinvestmentadvice.com/resources/blog/parabolic-semiconductor-rally-is-pricing-in-2028-already/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtu.be/rZ1lej68NvE ------- Watch today's "Before the Bell" feature, "Tech Rally Risk Is Rising" here: https://youtu.be/RU_xjKIGiDs ------- Watch our previous show, "Annuities: Smart Move or Costly Mistake?" https://youtube.com/live/6Rag3wz8r3k ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TechnologyStocks #XLK #StockMarket #Investing #MarketRisk #FinancialPlanning #401k #DebtManagement #RetirementPlanning #PersonalFinance

Is the commodity supercycle the next great investment opportunity, or the biggest threat to the current bull market? Lance Roberts breaks down the growing Wall Street narrative that commodities are entering a multi-year boom driven by deglobalization, underinvestment in energy and metals, AI infrastructure demand, and concerns over long-term dollar dominance. But there's a major problem with the thesis: commodity spikes are inflationary, inflation destroys demand, and higher commodity prices often strengthen the U.S. dollar instead of weakening it. We examine the reflexivity problem, the China demand issue, AI's real impact on commodity consumption, and why the “dollar collapse” narrative may be overstated. Key topics include: 0:00 - INTRO 0:50 - Trump - Xi Preview; Earnings Season Winds Down 4:36 - Economic Data Review 6:53 - The Contrarian Trade Continues 11:41 - The Bull Stampede 12:28 - The Commodity Super Cycle 15:16 - Supply/Demand is most important piece of economic equation 16:50 - The Commodity Reflexivity Loop 18:39 - Commodities are Notorious for Reversal 22:36 - The AI Boom Factor 24:15 - Earnings Recap - Stellar Results 30:46 - What's Driving Market Upside - AI Cap-Ex 36:39 - Prior Peaks in Longterm EPS Growth Estimates...and downturns 40:12 - ISM Mfg. vs S&P 500 Annual % Change (chart) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Commodity Supercycle: The Enemy Of The Bull Thesis (Part 1)" https://realinvestmentadvice.com/resources/blog/commodity-supercycle-the-enemy-of-the-bull-thesis-part-1/ "Earnings Estimate Revisions Are Very Optimistic" https://realinvestmentadvice.com/resources/blog/earnings-estimate-revisions-are-very-optimistic/ "Parabolic Semiconductor Rally Is Pricing In 2028 Already" https://realinvestmentadvice.com/resources/blog/parabolic-semiconductor-rally-is-pricing-in-2028-already/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6Rag3wz8r3k ------- Watch today's "Before the Bell" feature, "Iran Headlines Rattle Markets" here: https://youtu.be/RU_xjKIGiDs ------- Watch our previous show, "Annuities: Smart Move or Costly Mistake?" https://youtube.com/live/bIrBY3SVfbQ ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #MarketOutlook #TechnicalAnalysis #Commodities #CommoditySupercycle #Inflation #BullMarket #Investing

Are annuities only for retirees, or can they play a role in building long-term financial security at any age? Richard Rosso & Jonathan "Smarty" McCarty break down the myths, costs, benefits, and risks of annuities, and how guaranteed income fits into a retirement strategy. We discuss how annuities can serve as bond substitutes, why fees vary so widely, how sales structures impact costs, and how to determine whether an annuity fits your personal retirement goals. Most importantly, we explore how to create a rules-based approach to guaranteed income that matches your lifestyle, risk tolerance, and future needs. Key topics include: 0:00 - INTRO 0:19 - Living Vicariously thru Clients' Experiences 4:05 - Why Annuities Get a Bad Rap - Liquidity & Life 7:09 - Insuring Late-life Consumption 9:30 - Behavioral Mechanisms - Mental Accounting & Loss Aversion 11:48 - The Cap'n Crunch Diversion 12:58 - Benefits of Delaying Social Security 14:26 - Everybody "knows" when they're going to die 16:42 - Framing Delay as a Longevity Bet 17:23 - Women are Better Investors 19:43 - Spousal Protection Consideration 20:18 - Annuities Get Sold, Not Planned 23:17 - Secrets of Return Risk 25:51 - Study: Fixed Income Annuities vs Bonds 29:42 - Annuities We Don't Like 30:18 - Annuities Riders You May Not Need 33:34 - RIA Snuggies, Immediate Annuities,, and Early Retirement 36:22 - Getting a Second Opinion -What Problem is Annuity Solving? 42:50 - Immediate vs Variable Annuities 45:30 - How Much of an Annuity Do You Need? 47:36 - Passing Along Assets & Annuities 50:59 - Candid Coffee Tease Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/bIrBY3SVfbQ ------- Watch today's "Before the Bell" feature, "How Markets Ignore the Fear" here: https://youtu.be/1BrnxwNgzeY ------- Watch our previous show, "Semiconductors: Bubble or Bust?" https://youtube.com/live/X0moIzRXOHg ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Annuities #RetirementPlanning #GuaranteedIncome #FinancialPlanning #RetirementIncome

Semiconductor stocks continue to lead the market higher as the AI boom drives massive capital spending, soaring valuations, and relentless momentum in names like Nvidia, AMD, Broadcom, and TSMC. But are investors witnessing the next great technology revolution, or the early stages of another market bubble? Lance Roberts & Michael Lebowitz examine the semiconductor trade from both sides: Explosive AI demand, data center growth, and earnings momentum versus stretched valuations, narrowing market breadth, and growing concentration risk inside the S&P 500 and NASDAQ. Key topics include: 0:00 - INTRO 0:56 - Earnings Revisions are Ratcheting Up 4:32 - The Importance and Use of Technical Indicators 11:05 - Tools for Separating Narratives & Emotions from Market Reality 13:07 - Likes for Lebo Merch 14:10 - Semiconductors, AI, and Bubbles 16:58 - GPU's, CPU's, & LLM's 18:38 - The AMD Story & Supple-Demand Imbalances 24:10 - Portfolio Management Keeps You Out of Trouble 25:05 - Taking Profits is Important 26:45 - Where Will Money Go Next? 29:22 - Dissention in the Fed - Cuts or No Cuts? 32:15 - AI is Disinflationary in Nature 34:06 - The Curb Appeal of the Economy 36:18 - Guessing the Outcome - The K-Shape Continues 38:29 -The Technology Displacement Cycle Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/X0moIzRXOHg ------- Articles Mentioned in Today's Show: "A Robot Economy: Who Gets Rich, Who Gets Left Behind" https://realinvestmentadvice.com/resources/blog/a-robot-economy-who-gets-rich-who-gets-left-behind/ ------- Watch today's "Before the Bell" feature, "How Markets Ignore the Fear" here: https://youtu.be/1BrnxwNgzeY ------- Watch our previous show, "Q&A Wednesday - What's Your Biggest Concern?" https://youtube.com/live/TFn61TpR-Fc ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #MarketOutlook #TechnicalAnalysis #Semiconductors #AIStocks #Nvidia #TechnologyStocks

It's Q&A Wednesday, and Lance Roberts & Danny Ratliff are taking your questions live from the YouTube chatroom. From markets at all-time highs and rising pullback risk, to Fed policy, rates, and portfolio positioning, we're breaking down what matters most right now. With stocks extended, volume thinning out, and momentum showing signs of fatigue, is this a healthy pause or the start of a correction? What should investors and traders be doing right here? Key topics include: 0:00 - INTRO 0:57 - Markets Rally, Oil Plunges 4:05 - AI Trade is Back - but watch for reversal 7:52 - Vanguard Bond Builders - Bonds vs ETF's 12:32 - Best Store of Cash for a Portfolio? 14:39 - Couples with Pensions 17:06 - How did you react to downturn in the market? 19:59 - Lump Sum vs Pension Payout? 21:15 - The Thing About High-Yield Bonds 23:15 - What About the "Bucket Strategy" for Managine Risk? 24:31 - What Happens if Pensions Go Broke? 26:12 - Technical - Is the MACD Ever Wrong (and what is it?) 28:14 - Technical - What is the difference between Absolute & Relative scores? 32:28 - Where Are Rotations Going Next? 33:33 - Why Aren't Nvidia & Palantir Part of This Advance? 35:32 - Are Gold Stocks a Decent Buy? 38:16 - Use of Inverse ETF's as Hedges 39:03 - Portfolio Over- & Under-weighting 39:58 - How to Work with RIA? 40:44 - What if U.S. Dissolves? 42:35 - Don't Worry; Be Happy 43:07 - Managing Stocks w Different Advisors 45:35 - What's Your Story? 46:20 - The Thing About Apple & Microsoft 50:48 - BOE Interest Rates & Impact on Gold Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TFn61TpR-Fc ------- Watch today's "Before the Bell" feature, "AI Rally Nears Exhaustion," here: https://youtu.be/cievTNHiw6Y ------- Watch our previous show, "Investing vs Trading - Finding the Balance," https://youtube.com/live/LGDW2OXJ6oo ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #AIStocks #MarketOutlook #RiskManagement

Investing and trading are often treated as opposing strategies, but the real advantage comes from knowing how to use both effectively. Long-term investing builds wealth through discipline and compounding, while trading can create short-term opportunities to enhance returns or manage risk. Lance Roberts & Jon Penn break down the key differences between investing and trading, when each approach makes sense, and how to structure a portfolio that incorporates both without letting emotion or overactivity take control. We discuss time horizons, risk management, position sizing, and how to avoid the common mistake of letting short-term trades derail long-term financial goals. Key topics include: 0:00 - INTRO 0:58 - Hormuz Headlines & Market Gyrations 5:16 - Market Volume Spreads & Correction Targets 10:11 - The Story of Cinco de Mayo & Taco Tuesday 13:34 - Trading vs Investing 14:45 - Proposed Ban on Prediction Markets in Texas 16:07 - Zero Days to Expiration: The Ultimate Gamble 18:06 - Psychological Effects of Prediction Markets - the tax on the poor 21:18 - Who's Making the Money? 22:54 - Warren Buffett's Pile of Cash 25:36 - We Want to Believe Fundamentals Matter 28:04 - What Are Your Top-five Stocks? 30:05 - Binary Outcomes - All or Nothing 31:42 - Markets are Expensive 33:31 - When Buy & Hold Fails 36:10 - Protect Capital - The Value of Time 39:02 - Sequence of Returns Risk 40:14 - What to do with Cash Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/LGDW2OXJ6oo ------- Watch today's "Before the Bell" feature, "Cooling-Off Correction Ahead," here: https://youtu.be/LbNhP30VHio ------- Watch our previous show, "Summer Sell-Off Risk Rising," https://youtube.com/live/h2Bku-whRmY ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketCorrection #InvestingStrategy #RiskManagement #Investing #Trading #PortfolioStrategy #RiskManagement #WealthBuilding

Markets have pushed higher, but underlying risks are beginning to build as we head into the summer months. From stretched valuations and overbought technical conditions to seasonal weakness and shifting liquidity, investors may be facing a more challenging environment than recent gains suggest. Lance Roberts breaks down the key signals pointing to a potential summer sell-off, including market breadth, momentum, and the impact of earnings season winding down. We also discuss how buybacks, economic data, and Federal Reserve policy could influence the next move in stocks, and whether any pullback would represent a healthy reset or something more significant. Key topics include: 0:00 - INTRO 0:56 - Launching Month of May - Manufacturing Numbers review 4:42 - Ongoing Update on Strait of Hormuz 6:02 - Trim Risk Now 10:43 - Chat Rebuttal: Why the market doesn't care about ongoing "war..." 13:45 - Why Summer Correction Risk is Rising 15:45 - Market Breadth Continues to Deteriorate 17:33 - New York Advance/Decline Line Breadth Metric 18:32 - Market Volatility 20:21 - Summer Seasonality is a Real Thing 23:57 - Market Performance in Mid-term Election Years 25:46 - Updated Outlook for Oil Prices 28:54 - How to Navigate Markets Now 32:12 - The Robot Economy & The Minimum Wage 37:48 - The Conundrum of the K-Shaped Economy & Wealth Divide 40:43 - You CAN Be Replaced - Jobs at Risk 42:04 - What You Can Do About It 44:35 - Invest today in the companies of tomorrow Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/h2Bku-whRmY ------- Watch today's "Before the Bell" feature, "Markets Near Peak - Pullback Risk Rising," here: https://youtu.be/OBGLWIvsGZI ------- Watch our previous show, "Gray Divorce: Social Security Secrets," https://youtube.com/live/rXi5IdkLNRM ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketPullback #InvestingStrategy #RiskManagement #TechnicalAnalysis #MarketOutlook #Investing #MarketVolatility

Gray divorce is on the rise, and many investors are missing a key opportunity: Social Security benefits tied to an ex-spouse. Richard rosso & Jonathan McCarty explain how divorced spousal benefits work, including eligibility rules, timing decisions, and how much you may be able to claim. If you were married at least 10 years, you could receive up to 50 percent of your ex-spouse's benefit, or even more through survivor benefits, without impacting their payout. Key topics include: 0:00 - INTRO 0:19 - Financial Repercussions of Gray Divorce 1:47 - Economic Numbers Review 2:16 - Data Center & Power Station Build Outs 4:40 - Interest Rates & Kevin Warsh 6:22 - Apartment Build Outs - Function Over Form 9:39 - Gray Divorce Rates - One in Three: Financial Vulnerabilities 12:58 - Going Back to Work After Divorce 14:23 - Demographics, Ageism, & Merit-based Immigration 18:24 - AI & Content Creation : Lessons About Business 20:15 - Taxation Following Divorce 21:37 - Mishaps with Social Security After Divorce 23:02 - Longevity & Empty-nester's 25:29 - Timing Matters - All in the Family 29:39 - Financial Advisor as Referee 35:15 - Social Security: Spousal Benefits, Survivors Benefits Qualifications 38:32 - Don't Make These Divorce Mistakes 41:53 - First Rule When You Know You're Divorcing 45:22 - The Middle Class is Being Bolstered by Growth in Assets 46:14 - Will AI replace FA's? 50:56 - Candid Coffee Event 5/16 Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/rXi5IdkLNRM ------- Watch today's "Before the Bell" feature, "Market Stalls as Risks Build," here: https://youtu.be/SSzwq4AG2-0 ------- Watch our previous show, "Fed Holds Rates as Powell Stays On," https://youtube.com/live/oYQSPI-_BqE?feature=share ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #GrayDivorce #SocialSecurity #RetirementPlanning #DivorceFinance #WealthManagement

The Federal Reserve held interest rates steady at 3.5%–3.75%, but the bigger story may be what comes next. Powell announced he plans to remain on the Federal Reserve Board as a governor after his term ends—an unusual move that limits a potential board vacancy and keeps his influence in play. Lance Roberts & Michael Lebowitz examine what this means for monetary policy, market expectations, and the timing of future rate cuts. Key topics include: 0:00 - INTRO 1:02 - Closing Out April, Moving Into May: earnings season winding down 3:52 - Eli Lilly & GLP-1 4:21 - No Change in Fed Stance & Oil Prices 6:04 - Market Consolidation Continues 9:56 - Mrs. Roberts Moderates & Likes for Lebo 11:47 - Mag-4 Earnings Review 16:16 - Eli Lilly & Myriad Applications for GLP-1 19:13 - Most Uneventful Eventful Fed Meeting 23:22 - Office Politics at The Fed 26:01 - The Hawkish Take is the Correct One 27:41 - What Really Drives Inflation (not car insurance) 31:47 - Inflation Varies by Location 33:15 - The Fed is Stuck 34:59 - Oil Futures Pricing & the "Sweet Spot" 36:47 - Earnings & Profit Margins - Where's the Risk? 39:08 - Caterpillar Earnings & Data Center Construction Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oYQSPI-_BqE?feature=share ------- Watch today's "Before the Bell" feature, "Market Stalls as Risks Build," here: https://youtu.be/SSzwq4AG2-0 ------- Watch our previous show, "Q&A Wednesday: Markets & Your Money ," https://youtube.com/live/xzazFr20EOE ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #EarningsSeason #RiskManagement #FederalReserve #InterestRates #JeromePowell #MonetaryPolicy

Markets continue to push higher, but the underlying story is getting more nuanced. Leadership is narrowing, valuations are stretched, and investors are weighing strong momentum against rising risks—from interest rate uncertainty to geopolitical developments and shifting economic data. Lance Roberts and Danny Ratliff open the chatroom to tackle your most pressing financial questions in real time. From portfolio strategy and market outlook to retirement planning, taxes, and risk management, we'll break down what matters most in today's environment and how to think through what comes next. Key topics include: 0:00 - INTRO 1:04 - Jerome Powell's Last Stand 5:59 - Markets Primed for Pull Back 10:28 - When Will Oil Prices Peak? 13:48 - Will UAE Exit from OPEC+ Fracture CarteL? 15:39 - Could OPEC Break Up Lead to Oil Over-supply/Price Crash? 17:00 - The Fed Should Be Seen & Not Heard 20:27 - Strategies for Rates and Timing 22:25 - John Bogle, International Mutual Funds, & Boat Anchors 27:37 - Market Volatility & Record Retail Participation 28:25 - How We Use Options 31:01 - When Do We Know the Software Services Apocalypse is Over? 33:23 - What Was Your Worst Trade...and Biggest Mistake? 38:37- What Did Lance have for Breakfast? 40:05 - Investing in Photonic Stocks? 43:38 - Armadillos & Horses (really, people??) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/xzazFr20EOE ------- Watch today's "Before the Bell" feature, "Overextended Markets - Pullback Risk Rising," here: https://www.youtube.com/playlist?list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "The Hidden Costs of Divorce," https://youtube.com/live/sSYl1w7TUek?feature=share ------- The latest installment of our new feature, Before the Bell, "Don't Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #FederalReserve #TechnicalAnalysis #Investing #FinancialPlanning #InvestorQuestions

Divorce is rarely just emotional—it can be financially devastating. Lance Roberts and Jon Penn break down the many costs and consequences of divorce, with a focus on “financial infidelity” and how hidden spending, secret accounts, and undisclosed income are tearing marriages apart. Key topics include: 0:00 - INTRO 0:58 - Earnings Season Chugs Along 4:01 - What's Hanging Over Markets Now 5:31 - Market Breadth Narrows 10:34 - Private Jets & Early Wake-up Calls 11:24 - Cohabiting, Marriage, & Financial Conflict 16:14 - Forensic Accountants & Secret Families(!) 18:52 - Splitting & Combining Money - The Zero-based Budget 21:52 - Two Biggest Causes of Divorce 23:06 - The "Gray Divorce" Phenomenon 25:08 - Financial Infidelity & Gambling 30:08 - Biggest Risk in Marriage (Poll) 32:34 - "Half!" 36:10 - Pre-marital Financial Counseling 37:56 - The Real Meeting 42:07 - Financial Habits are Hereditary 47:17 - Beware Lifestyle Creep Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/sSYl1w7TUek?feature=share ------- Watch today's "Before the Bell" feature, "Narrow Rally Warning," here: https://youtu.be/KOvVspATC_o ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Why is the Market Ignoring the Strait? " https://youtube.com/live/tpVJst4GNkE?feature=share ------- The latest installment of our new feature, Before the Bell, "Don't Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreadth #Nasdaq #EnergyStocks #DivorceCosts #FinancialInfidelity #PersonalFinance #MarriageAndMoney #WealthManagement

Geopolitical tensions around the Strait of Hormuz have historically sent shockwaves through global markets—especially oil. Yet today, markets appear unusually calm. Why? Lance Roberts breaks down the disconnect between rising geopolitical risk and resilient equity markets, exploring why investors may be discounting the threat, including shifting oil correlations, expectations for contained conflict, and the role of liquidity, positioning, and market structure. Key topics include: 0:00 - INTRO 1:02 - Assassination Attempts & Strait of Hormuz News 5:12 - Markets Consolidate to Close at All-time Highs 9:44 - Data Center Plays Today 15:06 - Men, Women, & Movies 19:42 - Is the Market Ignoring the Strait of Hormuz? 29:42 - What To Do Now 36:02 - The Dollar's Funeral Nobody Attended Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Smart Wealth Transfer Strategies " https://youtube.com/live/J1FjILk7Gaw ------- The latest installment of our new feature, Before the Bell, "Don't Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #RiskManagement #StockMarketNews #Geopolitics #OilPrices #Investing

What are the smartest ways affluent families transfer wealth efficiently—and what mistakes should you avoid? Richard Rosso & Devoda Owens share wealth transfer strategies from the simplest approaches to more advanced planning techniques, starting with foundational tools like annual gifting and using lifetime exemptions. Also explaining how to think about asset selection—what to gift now versus what to hold for a step-up in basis. Key topics include: 0:00 - INTRO 0:19 - Missed Exits, '70's Music, Origins of the RIA Eagle 4:15 - Looking at Wealth Transfers 5:55 - Charitable Donations & Tax Deductions 7:47 - The Great Wealth Transfer 11:14 - Wealth Transfer Planning for Asset Protection 13:03 - The Foundation of Wealth Transfer is Gifting 16:58 - Trust Planning: Revocable & Irrevocable Trusts 19:31 - Potential for Taxation of Wealth Transfers 22:59 - Managing Illiquid Assets in a Trust 24:57 - Messy Estate Plans for Celebrities (Do you really need one?) 30:14 - Trusts Are Expensive 31:56 - Donor-advised Charitable Funds 35:27 - Leaving Inheritance for Pets, the Saga of Gravy Train 37:49 - Roth Conversions in Wealth Transfers 42:14 - Our Next Candid Coffee (5/16/26)* Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Devoda Owens, CFP, MS ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/J1FjILk7Gaw ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Can Warsh Reshape the Fed?" https://youtube.com/live/MKQ5YTaUNh8 ------- The latest installment of our new feature, Before the Bell, "Wait for the Setup" is here: https://youtu.be/0PkDug9qEys ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #WealthTransfer #EstatePlanning #TrustStrategies #FinancialPlanning #HighNetWorth

Kevin Warsh's nomination hearing put Federal Reserve reform front and center. His vision challenges long-standing norms, raising key questions about how monetary policy could change—and what it means for markets. What would a Warsh-led Fed mean for interest rates, inflation expectations, and market stability? Lance Roberts & Michael Lebowitz break down the implications. Key topics include: 0:00 - INTRO 1:04 - Kevin Warsh & Fed Reform; Technology at All-time High 5:47 - If You Missed the Rally... 10:32 - Temps in God's Country 11:39 - Odds are Kevin Warsh Will Be Confirmed 12:22 - Misnomer: The Fed is Trying to Bail Out the Dollar 16:02 - All Money is Lent Into Existence 18:29 - Money Supply is Not a Gauge of Inflation 22:09 - Misunderstanding Leads to Poor Investing Decisions 23:19 - When Kevin Warsh Replaces Jerome Powell 24:44 - QE is Reverse-Robinhood 26:40 - Fed Switch from Trimmed PCE for Inflation Metric 28:22 - Fed Communication & Forward Guidance 31:20 - Markets No Longer Pay Attention to Fundamentals 34:39 - Will Warsh Be Able to Make Substantive Changes? 36:17 - Fed Crises & New Chairmen 39:18 - Passive Investing Does a Disservice to Economy 41:05 - The Value Names Don't Have a Lot of Value 43:06 - Passive Investing Creates Mis-allocation of Capital ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MKQ5YTaUNh8 ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Q&A Wednesday - Ask Us Anything " https://youtube.com/live/yFe9x3vjJn0 ------- The latest installment of our new feature, Before the Bell, "Wait for the Setup" is here: https://youtu.be/0PkDug9qEys ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #TechnicalAnalysis #FederalReserve #KevinWarsh #InterestRates #Inflation #MonetaryPolicy

It's Q&A Wednesday, and we're tackling the questions that matter most right now—markets at all-time highs despite geopolitical tension, whether this rally can hold, and where investors should be positioned if volatility returns. Lance Roberts & Danny Ratliff also dive into real-world portfolio decisions: how to think about inflation hedges like I-Bonds and TIPS, strategies around QLACs and RMDs, tax considerations in ETFs, and where to park cash in today's environment. Along the way, we break down emerging risks and opportunities, from private credit exposure and national debt concerns to IPO dynamics and structural market changes. If you're trying to make sense of a market that seems disconnected from headlines while still planning for long-term outcomes, this episode connects the dots. Key topics include: 0:00 - INTRO 0:58 - Kevin Warsh & Iran Blockade 5:03 - Can Markets' Rally Be Maintained? 9:45 - I-Bonds & Tips 12:45 - QLAC's & RMD's 15:30 - What Would You Have Done Differently in Last Downturn? 17:35 - What Tax Benefits are Provided with SPYI ETF? 18:49 - NASDAQ-100 Fast Entry Rule Change 20:22 - Private Investment IPO's 22:05 - When Markets Pull Back, to what sectors will money rotate? 23:34 - What is the Private Credit Risk to Insurance Companies? 25:25 - What is the future impact of the National Debt? 28:40 - Space-X IPO 29:35 - Auto-callable Growth ETF's 36:01 - What Vehicles are Used for Cash Positions? 38:14 - Why is S&P at All-time Highs w Hormuz Strait Still Closed? ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/yFe9x3vjJn0 ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Financial Illiteracy: Too Big to Ignore" https://youtube.com/live/jAHYTG9JFDg ------- The latest installment of our new feature, Before the Bell, "Buy the Dip or Wait?" is here: https://youtu.be/70nOJWV4YDI ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BuyTheDip #MarketOutlook #TradingStrategy #Investing #FinancialPlanning #Retirement #MarketAnalysis

Financial illiteracy is no longer just a personal challenge—it's a growing national risk. With U.S. household debt exceeding $18 trillion and nearly 40% of Americans unable to cover a $400 emergency, the consequences are becoming impossible to ignore. Lance Roberts & Jon Penn break down how a lack of basic financial education is driving poor decision-making, rising debt levels, and long-term economic instability. From budgeting and credit to investing and risk management, millions are navigating an increasingly complex financial system without the tools they need. Key topics include: 0:00 - INTRO 1:18 - Market Pull Back No Surprise 7:28 - Leg Day & Italy Prep 9:45 - Financial Literacy Dearth in America 14:44 - Subscriptions & Memberships - The KISS Army 16:13 - High School & College "Stock Picking" classes 19:05 - National vs Personal Debt 20:55 - The Credit Card - Credit Score Myth 23:09 - Manifestation Practices to Better Financial Health 25:17 - Family Discussions: Money & Goals 28:07 - The Perils of Buy Now - Pay Later vs Lay-Away 30:29 - Don't Let Market Moves Scare You 31:36 - First Houses, Inspections, Mortgages, & Escrows 34:27 - The Big Push for Home Ownership - Beware! 37:22 - Trade Skills & Economics in High School 39:04 - How Banks Make Money (on You) 41:55 - how to Properly React to Markets - Rules vs Me ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jAHYTG9JFDg ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Chase or Fade the Rally? " https://youtube.com/live/Uz93eoE43pc ------- The latest installment of our new feature, Before the Bell, "Overbought Market: Wait for the Pullback" is here: https://youtu.be/hSb-tdMdmWc ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #RiskManagement #TechnicalAnalysis #FinancialIlliteracy #PersonalFinance #DebtCrisis #MoneyManagement #EconomicRisk

Markets have surged back to all-time highs—but now comes the key decision: chase the rally, or fade it? Lance Roberts breaks down whether this rally has staying power or if investors should be cautious at current levels. We analyze short covering vs. true accumulation, sector rotation, and the impact of falling oil prices and changing inflation expectations. Key topics include: 0:00 - INTRO 1:01 - April Doing What It Does Best 3:16 - The Recent Correction is Over 4:50 - Don't Chase the Rally 10:03 - Why the Market Rebound was Stronger than Expected 13:35 - Why Behavioral Investing Leads to Poor Outcomes 16:57 - Technical charting of Over Sold / Over Bought Composite 19:39 - The Fear-Greed Composite 22:02 - Everyone Has a Reason to Hate the Rally 22:58 - Testing the Negative Narratives 26:33 - Secular Bull/Bear Periods Happen - How to Prepare? 28:33 - Why Panic is a Costly Mistake 33:00 - Bearish Sentiment Remains 35:27 - Don't Bail Out of This Rally 37:24 - Seven Portfolio Actions to Take Right Now ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Uz93eoE43pc ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Your Longevity Score: Are You Ready?" https://youtube.com/live/-2PqycDpJfw ------- The latest installment of our new feature, Before the Bell, "Don't Chase This Rally" is here: https://youtu.be/gbk9otKae2Q ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #TechnicalAnalysis #PortfolioManagement #StockMarket #MarketRally #Investing #TradingStrategy #MarketOutlook

Longevity risk is now measurable. The Longevity Preparedness Index, developed by the MIT AgeLab, scores how ready you are to live a long life. The average result is just 60 out of 100, signaling a major gap in retirement planning. Richard Rosso & Jonathan McCarty explain what drives that score, where most people fall short, and how to improve it. From Social Security timing to guaranteed income, flexible withdrawals, growth exposure, and healthcare planning, building a durable retirement plan requires multiple strategies working together. Key topics include: 0:00 - INTRO 0:19 - 8-ball Answers & Longevity Challenges 4:23 - Cap'n Crunch & Colorectal Cancer 6:27 - Longevity Preparedness Index 8:32 - Revolutionary Medical Testing 11:42 - Who Will Be Your Care Provider? 14:42 - Transition from Individualism to Collectivism w Care 17:51 - The Importance of Community: Transportation, Neighborhood 21:03 - Daily Activities & Physical Well-being 23:34 - How Do You Spend Your Days? 25:21 - Intellectually Stimulating 28:37 - How Will You Matter in Retirement? 29:38 - Finances in Retirement 32:50 - Worry About Running Out of Money in Older Age 35:05 - Knowing Where Your Money is Invested - and Why 36:35 - The Ability to Manage Day-to-Day Finances 39:35 - The Wellness Market 41:15 - AI Robots as care givers 43:38 - Moderate Physical Activity 45:09 - Is Your Home Well-prepared for Aging in Place? 48:58 - Dealing with Life Transitions 52:02 - Take Time to Reminisce 54:01 - Adapting to New Life Circumstances ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/-2PqycDpJfw ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "What Will the Fed Do Next? " https://youtube.com/live/IflJyKIbe7s ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What's Next?" is here: https://youtu.be/ep4NAmWINYg ------- Resources Mentioned in Today's Show: https://www.johnhancock.com/ideas-insights/longevity-preparedness-index/longevity-preparedness-score.html https://www.livingto100.com/calculator ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LongevityRisk #RetirementPlanning #FinancialPlanning #MITAgeLab #WealthStrategy

With inflation trends shifting, economic data sending mixed signals, and markets hovering near key levels, the big question is: what will the Federal Reserve do next? Lance Roberts & Michael Lebowitz break down the Fed's current dilemma—balancing inflation control with economic growth—and what it means for interest rates, equities, and bonds. Key topics include: 0:00 - INTRO 1:04 - Markets Hit 5th All-time High for 2026 6:48 - Markets Up 11% from Bottom 11:35 - Pollen & Taylor Sheridan 16:25 - Allbirds & AI craze 20:12 - Market Turnover Velocity & SEC "oversight" 26:57 - Market Breadth & Growth to Value Rotation 31:22 - The Fed is Stuck 36:58 - The Tailwind for Fed Rate Cuts has Increased 39:02 - The Risk of Volatility Remains 41:19 - Markets Have Priced-in Iran ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IflJyKIbe7s ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "Q&A Wednesday: Markets, Taxes, and Your Money" https://youtube.com/live/X2EdwIni6_8 ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What's Next?" is here: https://youtu.be/ep4NAmWINYg ------- Articles Mentioned in Today's Show: "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #TechnicalAnalysis #SP500 #MarketTrends #FederalReserve #InterestRates #Inflation #FedPolicy

It's Q&A Wednesday, and with Tax Day here, we're tackling your biggest questions on markets, taxes, and financial strategy in real time. Lance Roberts & Danny Ratliff field questions, from navigating today's market volatility to making smart, last-minute tax decisions, this episode is driven by what matters most to you. We break down current events, investor concerns, and practical steps you can take right now to stay on track. Key topics include: 0:00 - INTRO 1:03 - Markets Climb Higher 3:01 - Watch Sentiment, Fear-Greed Index 6:38 - Markets Rally Back to All-time Highs 10:42 - How Do Money Flows Work? 13:34 - What is the Next Resistance Level? 15:08 - Risk Bucket Strategies & Goal Scooping 19:13 - At Age 70, Holding or Managing? 21:27 - Long Bonds - Investing or Trading? 25:34 - How Our Kids Invest 26:13 - Revaluation of Gold? Don't Bank on it. 29:18 - Where Rosso Shops for Clothes 30:29 - Pre- or Post-Tax Portfolio? 38:13 - Insurance Company Annuities & Private Credit Exposure 41:33 - Space-X & Anthropics IPO's 43:32 - When is Ideal Time to Initiate Annuity Withdrawals? ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/X2EdwIni6_8 ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "Are Financial Advisor Fees Really Worth It?" https://youtube.com/live/5IaUfLHtiyg ------- The latest installment of our new feature, Before the Bell, "Markets Hit Highs: Buy Now or Wait?" is here: https://youtu.be/wiSeFGUo6IE ------- Articles Mentioned in Today's Show: "S&P 500 Outlook: The 8.2% Rally & What Comes Next." https://realinvestmentadvice.com/resources/blog/sp-500-outlook-the-8-2-rally-what-comes-next/ "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ "The South Park Investment Curse" https://realinvestmentadvice.com/resources/blog/lets-knock-on-wood/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #TechnicalAnalysis #SP500 #TaxDay #StockMarket #Investing #FinancialPlanning #WealthManagement

Are financial advisor fees really worth it—or are you paying more than you should? Lance Roberts & Jon Penn break down the true value behind advisory fees and what investors should expect in return. It's not just about investment performance. A good advisor delivers portfolio construction, risk management, tax efficiency, and long-term financial planning—all designed to help you build and protect wealth. Also in this episode, Lance and Jon offer tax tips for the day before Taxes are due... Key topics include: 0:00 - INTRO 1:13 - Iran Negotiations = More Market Volatility 6:17 - Markets Rally Towards Previous Highs 8:16 - Is the Correction Over? 11:19 - Lance is Back; Thanks to Jon 13:10 - Why Pay an Advisor? 18:24 - You Don't Have to Beat a Benchmark 19:24 - Driving in Houston & Managing Risk 22:34 - Why You Need an Advisor 28:43 - Use the Right Tool 31:55 - Why We Don't Sleep (so that YOU can) 34:07 - The Truth About Paying a Fee 39:07 - The Value in Starting Young(er) 43:42 - Last Minute Tips for Tax Day (tomorrow) ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5IaUfLHtiyg ------- Watch our previous show, "The S&P 500 Rally: What Comes Next?," https://youtube.com/live/ylJqaK248pk ------- The latest installment of our new feature, Before the Bell, "Buy Signal Is Back - But Don't Chase" is here: https://youtu.be/lM6tkRDoRe8 ------- Articles Mentioned in Today's Show: "S&P 500 Outlook: The 8.2% Rally & What Comes Next." https://realinvestmentadvice.com/resources/blog/sp-500-outlook-the-8-2-rally-what-comes-next/ "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ "The South Park Investment Curse" https://realinvestmentadvice.com/resources/blog/lets-knock-on-wood/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #MarketOutlook #TechnicalAnalysis #FinancialAdvice #AdvisorFees #WealthManagement #InvestingStrategy #PersonalFinance

The S&P 500 just surged 8.2% off its March lows—reclaiming key technical levels and sitting within striking distance of all-time highs. But is this the start of a sustained move higher, or just a reflexive rally before another pullback? Lance Roberts & Jonathan Penn break down what drove the rally—from extreme bearish sentiment and a volatility reset, to easing geopolitical tensions—and why those factors matter for investors right now. We also examine the critical technical signals, including the reclaiming of the 200-day moving average, and what history suggests about forward returns after similar setups. Key topics include: 0:00 - INTRO 1:08 - Is the Correction Over? 4:50 - When Markets Are Correcting... 8:39 - Earnings Season Commences 10:12 - Now is the Time to Rebalance Risk 16:37 - Lance's U.K. Vacation 21:09 - Big Rally Last Week - What Happens Next - Factors to Watch 26:43 - Bull Case vs Bear Case 30:00 - Lance's Investor Guidelines 33:09 - Markets Feel Worse Than They Are 36:08 - The Southpark Market 40:09 - Why You Should Be Buying the Crash 42:07 - What Everyone Knows... 44:12 - Nothing Stays Static 47:03 - The Hard Part of Investing ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ylJqaK248pk ------- Watch our previous show, "What To Do After You Inherit Money," https://youtube.com/live/PfgdqYStb70 ------- The latest installment of our new feature, Before the Bell, "Back Above 200-DMA?" is here: https://youtu.be/_JrTG3hB_co ------- Articles Mentioned in Today's Show: "S&P 500 Outlook: The 8.2% Rally & What Comes Next." https://realinvestmentadvice.com/resources/blog/sp-500-outlook-the-8-2-rally-what-comes-next/ "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ "The South Park Investment Curse" https://realinvestmentadvice.com/resources/blog/lets-knock-on-wood/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #StockMarket #Investing #TechnicalAnalysis #MarketOutlook #InvestingStrategy #FinancialMarkets

Receiving an inheritance can be life-changing—but without a clear plan, it can also lead to costly mistakes. Richard Rosso & Jonathan McCarty walk through the critical steps to take after inheriting money, from protecting the assets and understanding tax implications to building a long-term financial strategy. Key topics include: 0:00 - INTRO 0:19 - Smarties Candies & Holographic Tombstones 3:21 - Baby Boomers, Inheritances, & Great Wealth Transfer 5:31 - Planning for an Inheritance 8:03 - The Stress of Care-giving 12:59 - What to Do with the Money 15:38 - Tax Implications for Inheritance Money 18:44 - Funding the Financial Security Cushion 20:07 - Paying off Debt & Using Credit Cards Wisely 22:23 - Implementation of Financial Plan 25:12 - Fallacies w Inherited Stock 26:26 - Testamentary Trusts 30:40 - Movie Stars' Poor Estate Plans 31:40 Candid Coffee Teaser 33:22 - The Emotional Impact of Inheritance Money 35:11 - Elvis' Estate Plan 37:06 - Leaving Behind as Little as Possible 38:40 - Dealing with all the Schtuff 41:26 - Generational Financial Insecurity 42:45 - How We Grew Up vs Now 45:01 - Lithographs & Gunsmoke 46:38 - Pintos & Car Colors ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PfgdqYStb70 ------- Watch our previous show, "US–Iran Deal: What Investors Must Watch Next," https://youtube.com/live/1GbqGflIK4A ------- The latest installment of our new feature, Before the Bell, "2Oil vs Markets: The Ceasefire Test" is here: https://youtu.be/ktGa-pbc3ps ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InheritancePlanning #WealthManagement #FinancialPlanning #EstatePlanning #Investing

Markets are reacting fast to signs of a potential resolution between the U.S. and Iran—but what should investors actually focus on next? A ceasefire or diplomatic breakthrough can spark a powerful short-term rally, driven by falling oil prices, easing geopolitical risk, and improved sentiment. But history shows these moves are often just the beginning—not the end—of the real story. Jon Penn & Michael Lebowitz break down the key signals investors need to watch as the situation evolves. Key topics include: 0:00 - INTRO 1:06 - How Durable Will Iran Cease-Fire Be? 8:50 - How We've Reduced Risk 13:34 - Leaving Enough Meat on the Bone 15:40 - What Happens After Resolution? 19:43 - Guidance Will Matter More Than Earnings 20:58 - Cease-fire & Sentiment 24:34 - Who Do You Trust? 28:48 - Buy When Stocks Are Cheap 34:37 - Is Apple the Next Google? 40:53 - Getting Caught Up in the AI Race ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/1GbqGflIK4A ------- Watch our previous show, "Starter Home vs Renting: The Real Money Decisions," https://youtube.com/live/Iro2CW91YdM ------- The latest installment of our new feature, Before the Bell, "2Oil vs Markets: The Ceasefire Test" is here: https://youtu.be/ktGa-pbc3ps ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #SP500 #Investing #MarketOutlook #Geopolitics #OilPrices #Inflation #Investing

Buying your first home, planning a wedding, managing insurance changes, and starting a career—these are the real financial decisions young adults are facing right now. Jon Penn & Danny Ratliff are "Two Dads on Money," walking through a real-life scenario: from choosing to buy instead of rent in a limited market. Key topics include: 0:00 - INTRO 0:51 - Markets Respond to Iran Ceasefire 8:57 - Money Talks w Kids Young & Older 12:26 - Home Purchase Blues - Rent vs Buy? 17:37 - Mistakes w Houses in the Past 19:49 - Have the Money Conversation w Kids 23:27 - 1st Jobs & Pay Yourself First 26:09 - The Value of Dollars & Time - Save-Share-Spend 28:36 - Device Control & Watching Stocks 30:42 - Setting Spending Thresholds 33:19 - What the Most Successful Families Do - Kids & Cars 37:52 - How You Know When It's Time to Replace a Vehicle 42:34 - How to Stand out - Hand-written Notes 46:28 - Having a Realistic Financial Plan ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Iro2CW91YdM ------- Watch our previous show, "AI Advertising Explained: How Brands Win Inside ChatGPT," https://youtube.com/live/AufKaBCT8uU?feature=share ------- The latest installment of our new feature, Before the Bell, "2Ceasefire Rally: Breakout or Trap?" is here: https://youtu.be/HWJR7qbcEP8 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FirstTimeHomeBuyer #RentVsBuy #PersonalFinance #FinancialPlanning #MoneyInYour20s

AI is changing how consumers discover businesses, make decisions, and trust information. Lance Roberts visit with Joseph Levi, Co-founder & CEO of Noise Media, about how advertising inside AI platforms like ChatGPT could reshape marketing, SEO, and brand building. Lance and Joseph explore whether businesses can influence AI-generated answers, the difference between the best answer and a paid answer, and why trust and accuracy are becoming the most valuable currencies in the AI era. From niche positioning to content strategy, we explain what actually works and what doesn't when trying to show up in AI-driven results. We also discuss the shift from traditional search engines to AI assistants, how small businesses can adapt, and the biggest marketing mistakes to avoid. Plus, we dive into the rise of AI agents, monetization strategies, and the competitive landscape between leading AI platforms. Key topics include: 0:00 - INTRO 1:21 - What is Noise Media, GEO (Generative Optimization) 2:28 - Advertising within ChatGPT - Importance of appearing in answers 3:51 - The best answer vs the paid answer 5:53 - Having Faith in the Quality of the Information (You cannot "trick the system;") 6:21 - Two scenarios - specific query, generic query 9:10 - Building a Brand with AI - content is king 10:48 - The Shift in Consumer Discovery 11:27 - The Next Big Player? 13:13 - Where is the starting point? 14:40 - What's the best length of content 16:45 - Will AI Neutralize the challenge of SEO strategies & changing algorithms 19:00 - The Fear of AI Job Replacement 21:10 - Elements of Optimal positioning for new businesses - test and learn 24:05 - Getting ready for business - scaling up 25:14 - Utilization of AI and leverage - having a team of AI agents 27:06 - Marketing Mistakes Small Businesses Make & The Importance of Marketing 32:35 - Seeing Opportunity when New Platforms Emerge 33:49 - Vudo.AI 35:05 - A matter of trust & The Velocity of AI 36:21 - How to Monetize AI 36:51 - Who's the Best AI now - Claude vs ChatGPT Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/AufKaBCT8uU?feature=share ------- Watch our previous show, "4-6-26 AI: How To Invest in the Next Industrial Revolution - Brian Dunlap Interview" https://youtube.com/live/ckKzFqCAHHs?feature=share ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #AIAdvertising #ChatGPTMarketing #FutureOfSearch #DigitalMarketingStrategy #AIForBusiness