Money Tree Investing

Michael Williams joins the show to talk the tax strategy that most investors aren't using yet! He explains his three-phase approach to tax efficiency, focusing on using depreciation as an interest-free loan from the government to redirect money that would otherwise go toward taxes into income-producing assets. We cover his platform's current focus on data center infrastructure, including GPUs and servers, and digital advertising screens, as well as other potential assets such as construction equipment, bourbon barrels, trash trucks, and rental vehicles. Michael stresses the importance of working with qualified tax professionals and choosing assets with strong contracted revenue, bankability, and real economic performance rather than relying solely on tax savings. Today we discuss...  How high-net-worth individuals and business owners can use tax-efficient investment strategies to keep more money invested rather than paying it in taxes. The three phases of tax efficiency, including structuring finances, using depreciable assets, and determining how to own assets going forward. How depreciation can function like an interest-free loan from the government by allowing investors to redirect money that would otherwise go toward taxes. Data center infrastructure, including GPUs and servers, as one of the primary depreciable asset strategies currently offered. Digital advertising screens and billboards as another cash-flowing asset that can qualify for bonus depreciation. That investors should never purchase an asset solely for its tax benefits and that the underlying investment must make economic sense on its own. How revenue-sharing pools can help diversify cash flow across multiple assets rather than tying an investor's returns to a single asset. How these strategies can provide opportunities for investors who do not want to rely on real estate professional status to take advantage of depreciation. The importance of material participation and understanding whether an investor can actively participate enough to utilize certain tax benefits. What investors should look for in legitimate programs, including cash-flowing assets, contracted revenue, strong counterparties, and bankability. Tax savings should complement a strong investment rather than be the primary reason for making the investment. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/tax-strategy-michael-williams-846 

Gold, Bitcoin, and bonds are sending very important signals right now if you're paying attention. Today we talk about the growing concerns in the bond market, including surging Treasury yields, government intervention, persistent inflation, massive deficits, and the potential impact on mortgage rates and the housing market. We also cover recent moves in stocks, gold, silver, Bitcoin, commodities, and the dollar, with gold showing particular strength as investors seek alternatives amid bond-market uncertainty and concerns about currency debasement. We explore growing demand for precious metals, central-bank gold buying, silver's industrial demand from AI and infrastructure, and the possibility of further volatility from the paper-to-physical gold market. As always, remain cautious, watch market reactions rather than headlines, and pay close attention to what happens after Labor Day as investors return and markets establish a clearer direction. We discuss... Bond yields surged to multi-decade highs, raising concerns about inflation, government deficits, and financial stability. The U.S. Treasury intervened in the long-end of the bond market to help control rising borrowing costs. Investors are increasingly demanding higher term premiums because of massive government debt issuance and persistent deficits. Rising Treasury yields pushed 30-year mortgage rates back above 6.6%, adding pressure to an already frozen housing market. The S&P 500 has remained near the top of its trading range while the Nasdaq has largely moved sideways. Gold surged unexpectedly, with its strength potentially reflecting investor concerns about the bond market and a search for safe-haven assets. Silver has moved alongside gold, suggesting healthier momentum across precious metals than seen during previous periods of divergence. The dollar remains within a broader trading range, making its direction an important indicator of overall market health. Persistent inflation and uncertainty over Federal Reserve policy are pushing investors to reconsider expectations for interest-rate cuts. Geopolitical tensions involving Iran and potential energy supply disruptions could add further inflationary pressure through higher oil prices. Trade tensions and tariffs involving the United States, Canada, and Mexico were discussed as another source of economic uncertainty. Central-bank gold purchases, de-dollarization concerns, and demand for physical bullion are contributing to gold's strength. Bitcoin's recent rally was linked to changing regulation, global liquidity, bond-market conditions, and increased institutional access through spot ETFs. Bitcoin's price action was described as increasingly influenced by global liquidity and bond yields rather than its internal supply schedule alone.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/gold-bitcoin-and-bonds-845 

George Kailas joins the show to discuss Fintech, options, and investing strategies that are shaping the landscape of finance. He shares how AI and alternative data are changing investing and leveling the playing field between retail investors and hedge funds. He explains how his company, Prospero, uses AI-powered signals that simplify complex market information, including options sentiment, social sentiment, technical flow, short pressure, and dark pool activity. George discusses the strengths and limitations of using AI for investment research, emphasizing that AI can identify momentum and analyze large amounts of information but may struggle to recognize when a trend is ending or accurately assess risk. He also explains how investors can build a repeatable research process based on their goals, time horizon, and risk tolerance, while using multiple sources rather than relying solely on AI. We discuss...  How AI and alternative data are changing the investment landscape and giving retail investors greater access to sophisticated research. The evolution of hedge fund technology from expensive, exclusive information toward widely accessible AI tools. The strengths and limitations of using large language models for stock research and investment decisions. What investment signals are and how they can simplify complicated market data into easier-to-understand scores. How Prospero uses signals based on options sentiment, social sentiment, technical flow, short pressure, and dark pool activity. How options sentiment can help investors identify institutional positioning and potential changes in market momentum. How AI is used to improve and test signals rather than simply allowing AI to make investment decisions. Why investors should develop a repeatable research process based on their goals, time horizon, available time, and risk tolerance. The importance of using multiple sources of information instead of relying on AI or a single investment signal. How investors can track their decisions and results to determine which signals and strategies actually work for them. George's transition from working with hedge funds to becoming an entrepreneur focused on making financial markets more accessible. Prospero's business model and its long-term plans to build trust, expand into wealth management, and utilize alternative data. The potential for crowdsourced alternative data to create new insights into markets and economic conditions. How simplifying complex options data into standardized signals can make sophisticated market information easier for everyday investors to understand. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/fintech-options-and-investing-george-kailas-844 

There are all sort of shenanigans going on, so we're here to discuss the accounting frauds, grifts, and tricks currently plaguing the market. We talk the financial structures being used to fund the booming AI industry, including debt, stock issuance, vendor financing, and special purpose vehicles, while highlighting the importance of recognizing financial "shenanigans" and understanding why companies choose different financing methods. We also explore accounting red flags, Wall Street incentives, government investment in companies like Intel, and lessons from past market bubbles. We also check the current trends in stocks, small caps, gold, oil, copper, Bitcoin, Japanese markets, bonds and more.  We discuss...  AI companies are using debt, stock issuance, and special purpose vehicles to fund the massive capital requirements of the AI boom. How vendor financing and factoring can signal potential cash-flow problems or financial stress. Companies may issue stock to raise capital, protect their balance sheets, or take advantage of elevated valuations. Lessons from the dot-com bubble and the risks of vendor financing and aggressive accounting practices. Wall Street's incentives can create bullish biases and discourage analysts from publicly criticizing companies. Government investment in strategically important companies like Intel can provide short-term support while creating longer-term concerns. The S&P 500 remains in an upward trend while the Nasdaq and technology stocks continue to consolidate within trading ranges. Small-cap stocks have been performing well despite receiving relatively little attention from investors. Gold, copper, oil, Bitcoin, and Japanese stocks were reviewed for their latest market trends and potential opportunities. Rising inflation could keep long-term interest rates elevated and create continued pressure on bond prices. The discussion emphasized favoring higher-quality, shorter-duration bonds given the risks surrounding interest rates and credit spreads. The growing U.S. government debt burden could create a difficult cycle of rising interest costs and additional borrowing. Federal Reserve wealth data showed a significant gap between average and median household net worth across age groups. Inflation can disproportionately hurt lower-wealth households because wealthier investors are better positioned to own assets that can rise with inflation.  Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Douglas Heagren | Mergent College Advisors Marc Walton | Forex Mentor Pro Tim Baker | Metric Fin Diana Perkins | Trading With Diana   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/accounting-fraud-grifts-and-tricks-843 

Dana Samuelson joins us to share about a secret golden opportunity to protect your wealth! We also talk central bank buying, inflation, interest rates, and the growing role of precious metals as an alternative store of value. He explains why central banks have shifted from decades of selling gold to becoming major buyers, how Basel III could support gold demand, and why recent price gains may be entering a consolidation phase. We also explore silver's industrial demand from solar panels, electronics, data centers, and potential EV battery technology, along with its growing physical supply deficit. Dana shares his views on precious metals investing, comparing physical bullion, ETFs, mining stocks, and collectible coins, while highlighting opportunities in mining companies and the importance of buying legitimate sovereign-minted products from reputable dealers due to counterfeiting concerns. We discuss...  Central banks have shifted from being net sellers of gold to major buyers, increasing demand for precious metals. Gold is increasingly viewed as a way for countries to diversify away from the U.S. dollar and avoid counterparty and sanctions risk. Gold has maintained purchasing power over the long term despite significant periods of volatility and consolidation. Precious metals markets can experience short-term price distortions because they are relatively small and susceptible to large speculative positions. Silver is more volatile and speculative than gold but has strong long-term industrial demand. A persistent physical supply deficit and the difficulty of increasing silver production could support higher prices over time. The gold-to-silver ratio has fallen significantly as silver has recently outperformed gold. Mining companies may offer significant upside because many remain undervalued despite strong cash generation from higher precious metals prices. Investors can gain precious metals exposure through physical bullion, ETFs, mining stocks, and collectible or graded coins. Sovereign-minted coins from established mints can offer advantages over refinery-made bars because of counterfeiting concerns and easier resale. Investors should work with established and reputable precious metals dealers when purchasing physical gold and silver.   Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/secret-golden-opportunity-dana-samuelson-842 

Have you ever wondered the secrets of how to determine the market's next move? Today we have the answers. We cover the latest market breakout, with the S&P 500 moving above a long trading range while the Nasdaq remained more neutral and the Russell 2000 showed signs of a potential bull trap. Investors can use support and resistance, trading volume, and confirmation to interpret breakouts while remaining cautious during the low-volume summer months. We also talk increased institutional buying, the limitations of relying on money-flow and positioning data, and how seasonal trading patterns can create unusual market moves. We shift to gold, silver, and Bitcoin, examining recent price action, central bank buying, speculative money flows, and why technical trends may be more useful than trying to identify a single reason behind market movements. Today we discuss... The S&P 500 broke out of its recent trading range, signaling a potentially bullish shift in the market. The Nasdaq remains range-bound while the Russell 2000 showed signs of a possible bull trap. How investors can use support, resistance, volume, and confirmation to evaluate market breakouts. Why summer trading can produce unusual market moves because institutional trading volume tends to be lower. The limitations of relying too heavily on institutional positioning and other market indicators. Gold's recent breakout and longer-term bull market were discussed alongside concerns about whether its rapid gains need time to consolidate. Silver noted with caution because of ongoing short positioning and potential price suppression. The bearish outlook for Bitcoin and suggested it could fall toward $37,500 before becoming more attractive. How speculative money rotates between Bitcoin, precious metals, energy, technology, semiconductors, and other sectors. July's positive market performance and conflicting valuation signals created uncertainty about the strength and sustainability of the current bull market. The extraordinary scale of the AI investment boom compared with previous historical investment manias.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/the-markets-next-move-841 

Matt Morizio shares his journey to becoming a financial advisor and founder of Reconstructing Wealth after his professional baseball with the Kansas City Royals.  We explore the parallels between sports, parenting, and personal finance, including raising a family of eight, the importance of taking action before feeling "ready," and why investing in health is just as important as investing money. Kirk and Matt also discuss how youth and professional sports have changed due to commercialization, the growing influence of money in athletics, and the challenges athletes face managing sudden wealth. We also examine what true financial freedom really means, as lasting wealth comes from developing a healthy relationship with money rather than simply accumulating more of it. We discuss...  Matt's journey from professional baseball to becoming a financial advisor and founder of Reconstructing Wealth. How getting released from baseball accelerated his transition into entrepreneurship and wealth management. The challenges and rewards of raising a family of eight children while building a business. Why Matt views investing in healthy food today as an investment that reduces future healthcare costs. Why waiting until you're "ready" to have children or start a business can keep people from ever taking action. The mental lessons learned from professional sports with those required to build wealth. How youth sports have become increasingly commercialized and expensive for families. Whether money and NIL deals are changing the culture and integrity of college and professional sports. Why early sports specialization can increase the risk of injuries for young athletes. The financial challenges professional athletes face after their playing careers end. Why many athletes struggle with sudden wealth despite earning millions of dollars. Why financial education is more valuable than simply handing money management over to an advisor. How developing the right mindset and identity is essential for building and preserving wealth. Why true financial freedom is about emotionally detaching from money rather than simply accumulating more of it.   Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/reconstructing-wealth-matt-morizio-840 

There are some earnings surprises as we focus on a pivotal week for the markets, highlighted by major earnings reports, the Federal Reserve's latest meeting, and growing signs of market divergence beneath the surface. Microsoft and Amazon delivered strong results driven by cloud and AI-related growth, while Apple and Meta faced significant selloffs. We also examine how the Nasdaq has broken below an important trading range, making the coming weeks critical for determining whether technology stocks can resume leadership or face a deeper correction. We talk the rising long-term interest rates, signs of stagflation, weakening economic growth, elevated inflation, shrinking consumer savings, and growing concerns about market concentration as a handful of mega-cap stocks continue to mask weakness across the broader market. Investors should focus on strong fundamentals and cash-generating businesses rather than chasing popular stocks with weak growth prospects. Today we discuss...  The market-moving impact of a busy week featuring Federal Reserve decisions, major earnings reports, and heightened market volatility. How Microsoft and Amazon posted strong earnings while Apple and Meta saw sharp post-earnings declines, highlighting increasing investor selectivity. Why AI enthusiasm alone is no longer enough and why companies are being rewarded based on execution and profitability. The collapse of a highly leveraged AI-focused hedge fund and what it reveals about leverage and institutional trading on Wall Street. How rising long-term Treasury yields and a more hawkish Federal Reserve are creating additional pressure on stocks and corporate borrowing. Growing signs of stagflation as economic growth slows while inflation remains stubbornly elevated. Weakening consumer finances, including falling savings rates and the impact of persistent inflation on household budgets. How a small number of mega-cap technology stocks continue to mask weakness across the broader stock market. Increasing risks in global markets, including currency volatility, Japan's interest rate outlook, and weakness in South Korea's market. The outlook for gold, Bitcoin, bonds, and other asset classes as investors navigate an increasingly uncertain environment. Why investors should remain patient, focus on strong cash-generating businesses, and avoid chasing expensive stocks without solid underlying growth.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/earnings-surprises-839 

We are joined by Colin Plume, CEO of Noble Gold Investments, to discuss the golden investment strategy to add to your portfolio. There is a growing role of physical precious metals in today's investment landscape. We explore why gold and silver have surged in recent years, the impact of central bank buying, Basel III regulations, rising government debt, and the increasing demand for silver driven by AI, technology, and industrial use. Colin explains the importance of owning physical metals versus paper assets, how proper storage and custody reduce investor risk, and why he believes tangible assets such as precious metals, real estate, and businesses may offer greater protection as economic uncertainty, inflation, and market valuations continue to rise. We discuss...  How Noble Gold Investments helps investors own physical gold and silver while emphasizing the importance of separate dealers, custodians, and depositories for security. Why segregated storage offers greater protection than commingled storage for precious metals investors. How the typical precious metals investor has become significantly younger in recent years. The key drivers behind the recent surge in gold and silver prices, including central bank buying, government debt, and fiscal policy. Why central banks are reducing their exposure to U.S. Treasuries while increasing their gold reserves. Why he believes silver has significant long-term upside due to growing industrial demand from AI, semiconductors, and renewable energy. The supply constraints facing silver and how limited mine production could support higher prices. Concerns about paper precious metals markets and the disconnect between physical metal availability and futures contracts. Investing in physical precious metals with mining stocks and the different risks and opportunities each presents. How gold and silver historically respond during periods of economic crises, inflation, and government stimulus. Why he believes tangible assets such as precious metals, businesses, and select real estate provide greater long-term protection than financial assets alone. The risks of elevated stock market valuations and why diversification into hard assets may become increasingly important. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/golden-investment-strategy-collin-plume-838   

Today we have a chart for you that will completely change your view of today's stock market. In today's market, investors should remain patient during the slow summer market season as stocks continue to trade in a sideways range despite ongoing geopolitical headlines and the start of earnings season. We explore how to interpret market charts, why investor expectations often differ from reality, and why stock price reactions to earnings matter more than the earnings themselves. We also talk about the growing concerns around AI-related spending, weakening breadth beneath the major indexes, software company valuations, and the risks facing large technology companies as earnings unfold. Increasing market volatility heading into the fall, combined with elevated valuations and economic uncertainty, makes this an ideal time to step back, avoid emotional investing, and focus on long-term discipline rather than short-term market noise. We discuss...  Why the stock market has traded sideways for much of the summer and why periods of consolidation are a normal part of investing. How geopolitical events and shifting headlines can create short-term market volatility without changing long-term trends. Why long-term index investors are often better off ignoring day-to-day market movements during quiet periods. The current earnings season and why stock price reactions often matter more than whether companies beat earnings estimates. How elevated investor expectations can cause strong earnings reports to be met with falling stock prices. The recent performance of major technology companies, including Apple, Microsoft, Amazon, Tesla, Alphabet, and Meta. How massive AI infrastructure spending is affecting cash flow, profitability, and investor sentiment across the technology sector. Why institutional investors are becoming more cautious about software companies as AI creates uncertainty around future valuations. How AI could disrupt traditional software business models and pricing power over the next several years. Weakening market breadth and why a small group of mega-cap stocks continues to drive most index performance. Why equal-weight indexes can provide a clearer picture of overall market health than traditional market-cap-weighted indexes. Seasonal market patterns and why volatility historically tends to increase during late summer and early fall. How upcoming Federal Reserve decisions, corporate earnings, tariffs, and midterm elections could contribute to additional market uncertainty. Why rising leverage, concentrated positioning, and institutional fear of missing out could amplify future market declines.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/todays-stock-market-837 

Gregory Kovsky discusses small business owner secrets and the evolving market for buying and selling private businesses. He explained how the "silver tsunami" of retiring baby boomer business owners is creating a surge in businesses for sale, while strong buyer demand from entrepreneurs, private equity firms, family offices, and acquisition-minded companies continues to support the market. We explore business succession planning, SBA financing, valuation methods, tax strategies, and the role of commercial real estate in business sales. Gregory also shared insights into how private equity is reshaping the marketplace, the importance of considering employees and legacy alongside sale price, and the realities of entrepreneurship.  We discuss...  How the retiring baby boomer generation is creating a wave of business sales known as the "silver tsunami." Why many family businesses are sold rather than passed to the next generation. How SBA financing makes business ownership accessible with relatively little upfront capital. The strong demand for private businesses from entrepreneurs, private equity firms, family offices, and strategic buyers. The realities of entrepreneurship and why owning a business requires far more time and commitment than many people expect. How staffing challenges and employee turnover are common reasons business owners decide to sell. How private equity is influencing the small business market and the importance of evaluating buyers beyond just the purchase price. How commercial real estate factors into many business transactions and retirement planning strategies. Several tax strategies business owners may use to reduce taxes when selling their companies. How business valuations are determined using EBITDA, growth potential, industry trends, and market multiples. Concerns about inflated private equity valuations and the challenges firms face exiting investments.   Today's Panelists: Kirk Chisholm | Innovative Wealth Marc Walton | Forex Mentor Pro   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/small-business-owners-secrets-gregory-kovsky-836 

Here's what the World Cup winner means for the market... Today we focus on a market that continues to trade sideways despite ongoing geopolitical tensions, renewed conflict in the Middle East, and a busy earnings season. We examine why patience remains the best strategy while the S&P 500 stays trapped in a trading range. We highlight strong earnings from major banks as a sign the broader economy remains resilient, and discuss growing concerns about AI valuations, software companies, and the capital demands facing firms like OpenAI and SpaceX. We also explore the recent rotation from growth into value stocks, the impact of rising energy prices on inflation and Federal Reserve policy, why speculative behavior is increasing through leveraged ETFs, and several market indicators suggesting today's market environment is becoming increasingly narrow and expensive despite headline index performance. Today we discuss...  Why the stock market remains stuck in a trading range despite continued volatility and geopolitical uncertainty. How renewed conflict in the Middle East is affecting investor sentiment, oil prices, and market performance. Why patience and holding cash may be the best strategy until the market breaks out of its current range. How strong earnings from major banks suggest the broader economy remains healthier than many investors believe. Weakness in software companies and growing concerns about the long-term profitability of AI investments. Why OpenAI seeking government investment could raise questions about the sustainability of the AI sector. The recent rotation from high-growth technology stocks into value-oriented sectors of the market. How higher oil prices could keep inflation elevated and complicate future Federal Reserve policy decisions. How insider buying can provide useful clues when evaluating beaten-down stocks such as UnitedHealth. The risks created by record investor demand for leveraged ETFs and increasingly speculative market behavior. We compare today's AI-driven market enthusiasm to the technology bubble of the late 1990s. How semiconductor stocks continue to dominate market performance while many other sectors lag behind. Why index performance can be misleading when a small number of large technology companies are driving most of the gains. How Federal Reserve balance sheet expansion continues to closely correlate with stock market performance.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/world-cup-winner-835 

Krista Goodrich of Boss Lady Investing joins the show to share her journey from working in the mutual fund industry on Wall Street to building a diversified portfolio of more than 20 private businesses and real estate investments. She discussed how entrepreneurship, strategic partnerships, and investing in vacation rentals allowed her to create financial independence while designing a business portfolio around her lifestyle. We talk today's real estate market, including elevated home prices, higher interest rates, leverage strategies, cash flow analysis, vacation rentals versus long-term rentals, and where she still sees investment opportunities despite market challenges. Krista also shared her approach to evaluating new business opportunities, the importance of choosing the right partners, and how investors can build long-term wealth through disciplined decision-making and diversified private investments. We discuss...  Krista Goodrich shared her journey from Wall Street mutual funds to becoming a serial entrepreneur and real estate investor. She discusses starting and scaling more than 20 businesses across industries including moving, junk removal, property management, hospitality, and vacation rentals. How choosing the right business partners has been critical to her long-term success. She shares the qualities she looks for in business partners, including drive, kindness, loyalty, and a sense of fun. Why she prefers using cash to start businesses while using leverage primarily for real estate investing. How leverage has allowed her to steadily expand her real estate portfolio over time. Why vacation rentals can generate significantly higher income when purchased in the right locations. How higher interest rates have changed the way she analyzes new real estate investments. Why she believes portions of the Florida real estate market remain significantly overvalued. How institutional investors and hedge funds have influenced housing affordability. She shared her thoughts on proposals to limit large investment firms from purchasing single-family homes. How property taxes, interest rates, and government policies influence real estate investing decisions. The importance of diversification across businesses, real estate, and traditional investments. Why she enjoys real estate investing because it offers greater control than investing in public markets. Successful investing requires patience, discipline, and focusing on long-term wealth creation rather than chasing quick returns. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/boss-lady-investing-krista-goodrich-834 

The stock market is showing interesting signals and today we discuss the latest market developments. Renewed geopolitical tensions are driving investors back into large technology and AI stocks while other sectors lag. Patience and caution remain important as economic signals continue to conflict. We cover housing market weakness, consumer spending, wage growth, market valuations, and the Federal Reserve's outlook. We also explored how commodity prices impact businesses and stock performance, shared expectations for future energy prices, and why looking beneath the major indexes is essential to understanding the true health of the market.  We discuss...  The ongoing rotation between market sectors and why market leadership continues to remain narrow. Why looking beneath the major indexes provides a better picture of overall market health than index performance alone. How commodity prices, particularly cocoa, can significantly impact corporate profits and stock prices. Why cocoa prices have pressured companies like Hershey and what improving crop conditions could mean going forward. We reviewed current oil and gasoline price trends and why pump prices have remained elevated despite falling crude oil prices. Our outlook for oil prices and why increased global production could push prices lower in the coming months. The housing market, including rising days on market and slowing home price growth. Consumer spending, wage growth, and the mixed economic signals creating uncertainty for investors. How AI investment is affecting technology companies and whether those massive investments will ultimately generate meaningful profits. Why many consumers are becoming fatigued with traditional news and increasingly turning to podcasts and online communities for information. Why maintaining patience, caution, and adequate liquidity remains important as markets face elevated valuations and political uncertainty heading into the midterm elections.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/stock-market-is-showing-interesting-signals-833 

Are you considering a life switch? Today financial advisor, author, and sports team investor Joel Steele joins us to discuss his unconventional journey from failed entrepreneur to successful wealth manager. Joel shares how a collapsed healthy fast-food restaurant business left him with roughly $800,000 in debt at a young age and how that experience shaped his disciplined approach to saving, investing, and building wealth. We explore his path into professional sports ownership, including why he chose to invest in smaller sports franchises for both financial upside and personal fulfillment. Joel also explains why money alone does not create happiness, the importance of finding passion and purpose, and how avoiding lifestyle inflation helped him maintain financial freedom. We talk investing philosophies, balancing risk and reward, understanding personal financial goals, avoiding speculative investments, and why building a strong financial foundation is essential before taking bigger risks. Today we discuss...  How a failed restaurant venture and significant debt early in life became the catalyst for building a career in finance. The decision to invest in professional sports teams as a way to combine financial opportunity with personal passion. Lessons from building a healthy fast-food restaurant chain and why the restaurant industry is so difficult to succeed in. How maintaining a high savings rate and avoiding lifestyle inflation helped create long-term financial security. Why higher income and greater wealth do not always lead to increased happiness or fulfillment. The importance of identifying personal passions, purpose, and meaningful ways to spend time. Questions people can ask themselves to better understand what they would pursue if money was no longer a concern. How financial planning should focus on balancing risk, return expectations, and individual goals. Why most investors should focus on steady wealth accumulation rather than chasing risky investments or outsized returns. The importance of understanding personal risk tolerance and avoiding emotional investment decisions. Why protecting a strong financial foundation is essential before pursuing higher-risk opportunities. Insights from Joel's book Life Switch on creating a life built around purpose, passion, and fulfillment. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Marc Walton | Forex Mentor Pro Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/considering-a-life-switch-joel-steele-832 

Today we talk market signals for the 2nd half of the 2026 following the Independence Day holiday. We highlight how semiconductor stocks and AI continue to heavily influence market performance while signs of healthy sector rotation emerge across industrials, financials, and other areas of the market. We examine weakening employment data, sluggish housing activity, elevated valuations, and the growing disconnect between economic fundamentals and rising stock prices, along with the Federal Reserve's new communication style under Chair Kevin Warsh and its potential impact on market volatility. We also explore how liquidity, inflation, oil prices, and geopolitical developments could shape the second half of the year. We discuss...  How semiconductor stocks continue to drive much of the S&P 500's performance and why that concentration matters. Why recent sector rotation into industrials, financials, and other areas is a healthy sign for the broader market. Whether AI-related valuations have become stretched after years of exceptional performance. Why investors should focus on price action and market trends rather than sensational headlines. Historical market seasonality and why the second half of the year can bring increased volatility. The latest employment report and explain why revisions and labor force participation deserve close attention. Why weak economic data has recently been viewed as positive news because it could reduce pressure on the Federal Reserve to raise rates. How slowing economic growth could eventually impact corporate earnings. Why the housing market remains sluggish despite record highs in the stock market. How oil prices, inflation, and monetary policy continue to influence investor sentiment. Why liquidity has remained a major driver of market performance despite weakening fundamentals. How government regulation can strengthen the competitive position of large companies while creating barriers for smaller competitors. The long-term economic impact of globalization, government policy, and structural market changes. Why maintaining a disciplined, long-term investment strategy is especially important in today's market.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/market-signals-831 

Christine Healey explores the rapidly growing world of investing in companies pre-IPOs and how everyday investors are gaining access to private companies like SpaceX, OpenAI, Stripe, and Anthropic before they go public. Christine explains why companies are staying private longer, how private market investing differs from traditional stock investing, and the opportunities and risks involved in buying shares before an IPO. We talk deal structures, pricing, minimum investment requirements, the role of brokers, and why terms can vary significantly between transactions. We also covers liquidity through secondary markets, how market volatility affects private company valuations and investor demand, and why access to these investments is becoming increasingly important as more of the world's fastest-growing companies remain private for much longer than in previous decades. We discuss...  Why more high-growth companies are staying private longer before pursuing an IPO. Why founders often prefer to remain private to maintain control and avoid public market pressures. How pre-IPO investing has become more accessible beyond institutional investors and billionaires. The differences between investing in early-stage startups and late-stage pre-IPO companies. Typical investment minimums and why larger investors often receive better pricing and deal terms. How pre-IPO transactions are structured, including direct share purchases and SPVs. How secondary markets can provide liquidity before a company eventually goes public. Why private market pricing is less transparent than public stock markets. How market downturns often concentrate investor demand into a handful of high-profile private companies. How buyers may find better negotiating leverage in less sought-after private companies during volatile markets. The importance of working with experienced brokers to navigate complex private market transactions. The growing global demand for U.S. pre-IPO companies from both domestic and international investors. The risks, opportunities, and long-term potential of investing in private companies before they reach the public markets. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Marc Walton | Forex Mentor Pro Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

Kirk shares the Q2 2026 market updates and the market's recent sector rotation as technology stocks pause after leading gains for much of the year. Healthcare, utilities, and other sectors begin to take the lead. This shift is a healthy sign for the broader market, the benefits of equal-weight investing during periods of rotation, and where investors may find opportunities going forward. Kirk also examines the recent pullback in gold, silver, and cryptocurrencies, why weakness in these assets could create long-term buying opportunities, and the risks surrounding Bitcoin-related companies like Strategy. Finally, falling oil prices, inflation data, and interest rate expectations under the new Federal Reserve chair are discussed. Why the recent rotation out of technology and into sectors like healthcare is a healthy sign for the broader market. How sector rotation works and why investors should pay attention to shifting market leadership. Why technology's dominance has kept the broader indexes elevated despite weakness in many other sectors. Which sectors may offer better opportunities in the coming months, including healthcare, industrials, materials, and consumer staples. Why investors should remain cautious toward energy, utilities, and certain financial stocks given current interest rate and oil market conditions. The recent pullback in gold and silver and why weakness in precious metals could create long-term buying opportunities. Why precious metals remain an important portfolio hedge despite short-term price declines. Concerns surrounding Strategy and why leveraged Bitcoin treasury companies carry additional risks. Recent inflation data, Federal Reserve policy expectations, and why higher inflation may not necessarily lead to additional rate hikes. How easing oil prices and improving geopolitical conditions could influence inflation and economic growth in the months ahead. Concerns surrounding upcoming AI company IPOs and questioned whether large language model businesses have sustainable competitive advantages. Key market risks to watch, including earnings season, inflation, interest rates, geopolitical developments, and continued sector rotation. Today's Panelist: Kirk Chisholm | Innovative Wealth Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/q2-2026-market-updates 

Michael Youngblood joined the show to discuss investing in mortgages with the evolution of the U.S. mortgage market. He draws on more than four decades of experience in mortgage banking, securitization, and housing finance. We explored the key causes of the 2008 financial crisis, why falling home prices caught investors off guard. Michael explained the risks and opportunities of investing in mortgage-backed securities, the differences between MBSs, CMOs, and REMICs, and why prepayment risk remains a major consideration for investors. We also discussed housing affordability challenges, FHA loans, down payment hurdles facing first-time buyers, potential future changes to mortgage regulations, and the outlook for both residential and commercial real estate financing as demographic shifts, interest rates, and post-COVID trends continue to reshape the market. We discuss...  How declining home prices in 2007–2008 triggered a surge in mortgage defaults and helped spark the financial crisis. Why investors, lenders, and regulators failed to anticipate the severity of the housing market collapse. How banks manage mortgage risk by selling or securitizing loans while retaining their highest-quality borrowers. The key risks investors face when investing in mortgage-backed securities, including prepayment and credit risk. The differences between mortgage-backed securities (MBSs), collateralized mortgage obligations (CMOs), and REMICs. Why mortgage market innovation has slowed significantly since the 2008 financial crisis. Exploration of potential future changes to mortgage products and regulations aimed at improving housing affordability. How adjustable-rate mortgages could be expanded without returning to the risky lending practices that contributed to the housing crisis. The challenges self-employed borrowers face when trying to qualify for mortgage financing. How falling interest rates could trigger a new wave of mortgage refinancing activity. Housing affordability challenges driven by rising home prices and large down payment requirements. How commercial mortgage lending differs from residential lending in underwriting and risk management. The growing role of family wealth transfers and financial assistance in helping younger generations purchase homes. Michael shares his outlook on housing affordability and why mortgage financing remains attractive relative to many other forms of borrowing. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investing-in-mortgages-michael-youngblood-828 

We have an investing recommendation for you: patience and caution! We discussed current market conditions and why markets have largely moved sideways despite strong gains earlier in the year. We examined the highly anticipated SpaceX IPO, debating whether its valuation justifies the excitement and highlighting the risks of buying high-profile stocks at elevated prices. We also explore market concentration in technology and semiconductors, the challenges facing software companies, and the growing influence of AI on corporate spending and investment decisions. We talk why investors should avoid chasing performance or making decisions based on FOMO, nuclear energy, and considered how changing market dynamics, valuations, and AI-driven trends may impact investment returns going forward. We discuss...  Why patience and caution remain important as markets have moved largely sideways over the past month. The SpaceX IPO and whether its valuation justifies the excitement surrounding the stock. Why great companies can still be poor investments if purchased at the wrong price. The risks of chasing market trends and investing based on FOMO. The concentration of market gains in technology and semiconductor stocks. The growing divergence between semiconductor companies and the broader software sector. Whether massive AI spending will ultimately generate returns that justify the investment. How AI is changing the business models and cash flow profiles of major technology companies. AI adoption may be advancing faster than its practical economic benefits. Why shorting expensive stocks can be extremely risky despite lofty valuations. The long-term investment case for nuclear energy and the growing power demands of AI data centers. The recent strength of the U.S. dollar despite widespread predictions of its decline. The importance of staying within your circle of competence when making investment decisions. How market valuations may impact expected returns over the next decade. Why diversification remains critical in an environment dominated by a handful of technology stocks. Why investors should focus on risk management rather than trying to predict market outcomes. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investing-recommendation-827 

David Baker talks about why investing in undeveloped land may be the secret strategy you've been waiting for. We also discuss why water rights may become one of the most valuable assets in the coming decades and how growing water scarcity is driving demand for land with access to water. Drawing on his background as a hedge fund manager, real estate investor, and founder of the Land Value Alpha Fund, David explained how water rights work, particularly in Montana, where groundwater and surface water rights can significantly increase property values. He highlighted research suggesting that investments in water infrastructure such as wells, pumps, storage systems, and distribution networks can generate substantial returns, while increasing demand for water, energy, and developable land is creating a powerful convergence that could push land prices much higher over time.  We discuss...  Why water scarcity is becoming a growing global issue and increasing the value of water-rich land. How groundwater and surface water rights work, particularly in Montana. The unique advantages of Montana as a headwater state that supplies water to much of the western United States. How property owners can develop wells and water infrastructure to increase the value of their land. Research suggesting that investments in water infrastructure can generate significant returns relative to their cost. Why water rights are becoming increasingly important for homeowners, farmers, developers, and businesses. How increasing demand for water and developable land could drive land prices substantially higher in the future. The relationship between land ownership and water access, and why water often determines a property's long-term value. Examples of investors and institutions acquiring land specifically for its water resources. How water banks allow water rights to be leased, traded, and allocated among different users. The challenges surrounding water allocation and legal rights in regions facing water shortages. Why desalination has not been adopted more broadly despite its potential to address water shortages. Real-world examples of water rights mistakes that can create major problems for landowners and developers. Why understanding local regulations is critical when investing in land and water resources. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investing-in-undeveloped-land-david-baker-826 

As SpaceX stock soars, we talk IPOs for space and beyond. We also focus on the market's reaction to a new Iran ceasefire agreement, the implications of the highly anticipated SpaceX IPO, and what these developments may signal about broader market conditions. We look over how IPOs have historically performed, why many high-profile offerings struggle after their debut, and whether SpaceX's valuation reflects genuine business fundamentals or investor enthusiasm. We also examined the economic impact of falling oil prices, shifting inflation expectations, upcoming Federal Reserve policy decisions, consumer spending trends, and why correlations often drive market narratives.  We discuss... The market's positive reaction to a renewed Iran ceasefire and the resulting drop in oil prices. Breakdown of the SpaceX IPO, its first-day performance, and why retail investors were eager to participate. How IPOs work and why many high-profile offerings historically decline after going public. Why company insiders often choose to take businesses public when valuations are most favorable. Past IPOs including Uber, Meta, Coinbase, Robinhood, and Rivian to illustrate common post-IPO price patterns. Whether SpaceX's valuation is justified by the strength of its Starlink business and launch operations. OpenAI, Anthropic IPO expectations and concerns about AI company valuations. How large IPOs can act as liquidity drains by attracting capital away from existing market leaders. Elon Musk becoming the world's first trillionaire and what that signifies for investor sentiment. How falling energy prices could help reduce inflation and improve economic conditions. Upcoming Federal Reserve leadership changes and expectations for future interest rate policy. Consumer spending trends and the role of Baby Boomer wealth in supporting economic activity. Why investors should focus on correlations rather than assuming direct causation in market movements. For more information, visit the full show notes at https://moneytreepodcast.com/ipos-for-space-625    Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

Alex Gurevich talks about the next perfect trade! We discuss major shifts in the macro investing landscape, including the breakdown of the traditional stock-bond relationship, why U.S. Treasuries no longer act as a reliable flight-to-safety asset, and how inflation, fiscal policy, and changing market regimes are reshaping investment strategies. Alex shares his framework for identifying high-probability trades, explains why he believes interest rates could ultimately return to zero if the labor market weakens, and discusses opportunities and risks in global markets, currencies, gold, emerging markets, and China. We also explore the long-term impact of artificial intelligence on productivity, employment, and economic growth and more! We discuss...  The breakdown of the traditional stock-bond relationship and how it is changing portfolio diversification strategies. Why U.S. Treasuries are no longer acting as a reliable flight-to-safety asset and what that means for investors. The impact of inflation, fiscal policy, and shifting market regimes on the macroeconomic outlook. Why labor market trends remain the most important factor influencing future Federal Reserve decisions. The possibility that interest rates could eventually return to zero if economic growth and employment weaken. Investment opportunities and risks across currencies, bonds, emerging markets, and international equities. The relative attractiveness of gold, U.S. Treasuries, and other hard assets in the current environment. China's economic challenges, AI ambitions, and its position in the global race for technological leadership. How artificial intelligence is driving investment, productivity gains, and economic growth across multiple sectors. The potential for AI-driven job displacement and a temporary economic adjustment period before larger long-term benefits emerge. Key market risks stemming from geopolitical conflict, energy prices, and evolving global economic dynamics. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/next-perfect-trade-alex-gurevich-824 

Today we talk the investing secrets for IPOs, Bitcoin, and AI. There is also growing market uncertainty as strong earnings, resilient employment data, and a potential SpaceX IPO collide raise concerns. A small group of AI and semiconductor stocks have driven most market gains while many sectors have remained flat, raising concerns about narrow market leadership and investor complacency. We examine how stronger-than-expected jobs data could keep interest rates elevated for longer and create headwinds for stocks and cryptocurrencies. We also cover Bitcoin's cyclical boom-and-bust patterns, the importance of risk management, the growing role of gold in global central bank reserves, and emerging long-term investment themes such as AI infrastructure, nuclear power, electrification, robotics, and space technology.  We discuss...  The growing market divergence as AI and semiconductor stocks continue to drive gains while most sectors remain flat. How strong earnings results have failed to lift the broader market despite solid corporate performance. Why stronger-than-expected jobs data could keep interest rates higher for longer and delay potential Fed rate cuts. The impact of liquidity conditions on stocks, cryptocurrencies, and overall market sentiment. Signs that the economy may be entering a late-cycle phase characterized by tighter financial conditions and rising IPO activity. The risks and opportunities surrounding the highly anticipated SpaceX IPO and what history suggests about buying newly public companies. Bitcoin's historical boom-and-bust cycles, potential downside targets, and the importance of managing risk in crypto investing. Why investors should focus on their own investment strategy instead of chasing the market's hottest trends. Housing affordability challenges and the widening gap between the costs of owning and renting a home. Gold surpassing U.S. Treasuries as the largest reserve asset held by global central banks. Emerging investment themes including AI infrastructure, nuclear energy, electrification, robotics, quantum computing, and space technology. The importance of diversification and risk management in a market increasingly driven by a small group of high-performing stocks.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investing-secrets-for-ipos-823 

Fred Amrein shares secret college funding strategies today as we discussing major changes to college financing under the recently passed "Big Beautiful Bill." There are new federal borrowing limits for undergraduate, graduate, and professional school students while reducing repayment flexibility. We explore how these changes will shift the focus from college access to affordability, forcing families to carefully evaluate the return on investment of higher education, plan for graduate school costs earlier, and rely more heavily on private loans when federal limits are reached. Fred explains the potential impact on colleges, including tuition resets, increased financial pressure on smaller schools, and a growing need for students to choose programs and career paths with stronger economic outcomes, while emphasizing the importance of long-term financial planning and understanding the true cost of borrowing before selecting a school. We discuss...  The major changes to federal student loan programs under the recently passed "Big Beautiful Bill." A breakdown of new borrowing limits for undergraduate, graduate, and professional degree programs. How stricter underwriting requirements will shift the focus from college access to affordability. How Parent PLUS loan changes could impact families and future college funding decisions. The growing role private student loans may play as federal borrowing options become more limited. Comparison of federal and private student loan repayment terms, interest rates, and long-term costs. How college financing decisions for one child may now affect borrowing options for siblings. Why some colleges may be forced to lower tuition, increase aid, merge, or close due to demographic and financial pressures. The declining return on investment of certain college degrees and the growing appeal of skilled trades. How labor market demand, career outcomes, and AI-driven changes could influence future education choices. Conversation about the shift from viewing college as an educational investment to viewing it as an experience-driven purchase. Why graduating on time and minimizing excess borrowing will become increasingly important for students.   Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/secret-college-funding-strategies-822 

There's a huge divergence going on that could take the market with it. Today we focus on the growing market uncertainty driven by a potential SpaceX IPO, geopolitical conflict in the Middle East, and increasingly narrow market leadership. We also reviewed the strong earnings season and the role of AI-driven semiconductor stocks in powering most of the market's gains; many other sectors have largely moved sideways despite headline index strength. We also cover the inflationary impact of higher oil prices, the effects of the ongoing Middle East conflict on commodities and global supply chains, central bank gold sales, bond market volatility, interest rate trends, and why investors should focus on risk management, sector rotation, and underlying market conditions rather than simply following index performance. We discuss...  The potential SpaceX IPO, its massive valuation, and concerns about how quickly it could be added to major market indexes. Why investors should avoid FOMO and be cautious when buying newly public companies. How private markets are capturing more growth before companies ever reach public investors. How most stock market gains this year have come from a narrow group of technology and semiconductor companies. The sector performance across technology, financials, energy, healthcare, consumer stocks, and utilities. The ongoing Middle East conflict and its impact on oil prices, inflation, and global supply chains. Why oil prices affect everything from transportation and food costs to plastics and manufacturing. The market values of gold, silver, and major technology companies. Treasury yields, bond market volatility, and the importance of monitoring interest rate trends. The yield curve and what its normalization could signal for the economy and financial markets. Mortgage rate trends and the challenges higher borrowing costs create for housing. How excess liquidity is flowing into a small number of market sectors rather than the broader market. Looking beyond headline index returns to understand what is actually driving market performance. Scenario-based investing and the importance of preparing for both inflationary and disinflationary outcomes. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/huge-divergence-821 

Joey Isaacson joins us to discuss the next trend in crypto with the rapidly growing world of stablecoins and how they are reshaping the future of finance and payments. We explore what stablecoins are, how they function as a bridge between traditional cash and cryptocurrencies, and why they are gaining traction for global transactions, trading, and blockchain-based financial systems. Joey explains how stablecoins are backed by assets like Treasury bills, the ongoing regulatory battles surrounding interest payments, and why major banks and governments are paying close attention to the technology. We also dive into privacy concerns, CBDCs versus privately issued stablecoins, wallet security, and how faster, more efficient financial infrastructure could transform everyday banking and payments over the next decade. Today we discuss...  Joey Isaacson explains how stablecoins emerged as a way to reduce the volatility problems associated with cryptocurrencies like Bitcoin. We discuss how stablecoins act as a bridge between traditional cash and blockchain-based assets. Joey breaks down why stablecoins are useful for fast, low-cost international transactions compared to traditional bank wires. The conversation explores how stablecoins help crypto traders move quickly without waiting for traditional banking systems to settle transfers. We examine how stablecoins are backed by assets like U.S. Treasury bills and other real-world assets. Joey explains the importance of audits, transparency, and trust in determining whether a stablecoin is truly backed one-to-one. We discuss how companies like Circle generate revenue from stablecoin issuance and Treasury bill yields. The episode covers the debate over whether stablecoin holders should receive interest generated from the underlying Treasury assets. Joey shares how stablecoins could disrupt traditional banks by pulling deposits away from low-interest savings accounts. We talk about the regulatory battle surrounding stablecoins, including the Clarity Act and broader crypto legislation. The discussion compares privately issued stablecoins with government-controlled CBDCs and the privacy implications of both. Joey explains how privacy works on blockchain networks and the tradeoffs between convenience and anonymity. We explore whether companies like Visa and Mastercard could eventually be disrupted by blockchain payment rails. The conversation covers how self-custody wallets work and the risks of losing access to private keys. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/the-next-trend-in-crypto-joey-isaacson-820 

This mega bubble may explode soon! Find out what it is as we talk growing market uncertainty driven by rising interest rates, inflation concerns, and global conflict, while warning investors about the risks developing in the bond market and increasingly narrow stock market leadership. We explore how higher Treasury yields, stubborn inflation, housing weakness, and mounting global debt pressures could impact both stocks and bonds, while also breaking down why investors should remain cautious despite strong performance in select sectors like semiconductors and AI. We cover consumer stress, leverage building in the markets, Japan's bond challenges, concerns surrounding global liquidity, and the importance of avoiding emotional reactions to sensational economic "chart crimes" and extreme market predictions. Today we discuss... Why rising Treasury yields and bond market volatility are becoming a major concern for investors. Inverted versus normal yield curves and what they signal about the economy and lending conditions. How higher oil prices and ongoing geopolitical conflict could keep inflation elevated. Concerns that higher interest rates could pressure both stocks and bonds at the same time. Why traditional diversification strategies are struggling in today's correlated market environment. How a small group of semiconductor and AI stocks are driving most of the stock market gains. The growing stress facing consumers from inflation, mortgage rates, and rising debt burdens. Weakness in the housing market and the impact of high mortgage rates on affordability. Concerns about China reducing its holdings of US Treasuries and the implications for bond markets. Japan's rising bond yields and the risks tied to global debt and liquidity markets. Whether current inflation trends could resemble the inflationary environment of the 1970s. Why many alarming economic charts online can be misleading "chart crimes" driven by correlation rather than causation. How government stimulus during COVID contributed to inflation by increasing consumer spending power. How inflation impacts everyday expenses like healthcare, childcare, education, and housing more than electronics or technology. Growing leverage and speculative behavior in global markets as investors chase returns. The role of the US dollar as a macroeconomic pressure gauge rather than a simple trading indicator. Why investors should stay cautious, avoid emotional reactions, and focus on risk management during uncertain market conditions.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  For more information, visit the full show notes at https://moneytreepodcast.com/mega-bubble-may-explode-821 

  Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/real-estate-to-reduce-college-costs-lance-morgan-818 

    Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/strong-earnings-season-817 

Jon Grishpul joins us to discuss rentals vs ADUs (accessory dwelling units), and the growing trend of converting garages and unused spaces into flexible living areas. Relaxed zoning laws in states like California are helping address housing shortages while creating new opportunities for homeowners. We explored the challenges faced when managing construction projects, from finding trustworthy contractors and comparing bids to understanding contracts, permits, insurance, payment schedules, and cost overruns. Jon shares his practical advice for vetting contractors, avoiding common renovation pitfalls, handling unexpected issues during projects, and building long-term relationships with reliable professionals to protect both your investment and your peace of mind. We discuss...  Jon explains how ADUs provide flexible living spaces that can be used for family, rental income, home offices, gyms, or studios. Jon outlined the key differences between detached, attached, and garage conversion ADUs. The conversation covered how homeowners should carefully define the scope of a renovation project before contacting contractors. Homeowners should compare contractor bids and ensure each estimate reflects the same project scope. Jon explained why contractor estimates can vary dramatically depending on materials, labor, experience, and profit margins. The discussion highlighted the importance of verifying contractor licenses, insurance, bonds, and references before hiring. We talked about common renovation surprises such as mold, dry rot, and structural issues hidden behind walls. There are strategies for preventing contractors from disappearing mid-project through milestone-based payment schedules. Jon explained how poor communication early in the bidding process can signal problems during construction. We discussed the pros and cons of homeowners sourcing their own construction materials versus letting contractors manage procurement. We explored how contractors and homeowners can negotiate fairly when mistakes or unexpected issues arise during construction. We discussed how inspections, third-party evaluations, and punch lists help ensure quality control on renovation projects. Jon encouraged homeowners to take their time vetting contractors and focus on building long-term relationships with reliable professionals. Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/rentals-vs-adus-jon-grishpul-816 

There is one reason to invest in space, and we share it today! Also, freshly released UFO files dropped and are a great reminder for how investors should critically evaluate information, media distractions, and geopolitical developments rather than blindly trusting official stories or market reactions. We also talk the ongoing war and energy disruptions, rising oil prices, and the possibility that markets are underestimating inflation and recession risks. We also examined the risks of concentrated AI spending, declining cash flows among major tech companies, rising retail speculation, smart money moving toward cash and value opportunities, and potential distress in commercial real estate and non-traded REITs. Patience, caution, independent thinking, and selective investing always prevail over chasing momentum in an increasingly fragile and narrowly driven market environment.  We discuss... Why investors should question why information is released at certain times and avoid blindly trusting government or media messaging. Ongoing geopolitical conflicts and energy disruptions may be worse than markets currently believe. Rising oil and energy prices could continue pressuring consumers, corporate margins, and global economic growth. Major S&P 500 sectors breakdowns show that many areas of the market remain flat or weak despite bullish headlines. The discussion highlighted how semiconductor stocks have dramatically outperformed while software and other technology subsectors have lagged. Venture capital and speculative investment historically flow toward high-risk opportunities like AI rather than stable cash-generating businesses. Retail investors are aggressively chasing options and speculative trades while institutional investors appear more cautious. The bond market was identified as a major warning signal, with rising Treasury yields potentially creating significant economic and market stress. If inflation and interest rates continue rising, housing, borrowing, and economic activity could slow sharply. Many commercial real estate valuations may still be overstated despite large discounts in secondary markets. Liquidity problems and refinancing pressures could create further downside risks in commercial real estate assets. How "smart money" appears to be raising cash, rotating toward value opportunities, and looking internationally for better upside potential. Investors should remain selective, independent-minded, and focused on risk management in an increasingly volatile and speculative market environment.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/reason-to-invest-in-space-815 

Richard Duncan is here today to discuss global macro developments as he outlines a long-term macro framework, arguing that the modern global economy has shifted from traditional capitalism to a system driven by credit expansion. He explains how, since the 2008 financial crisis, government borrowing and Federal Reserve money creation have replaced the private sector as the primary engine of growth, fueling massive asset inflation and a historic surge in wealth, but also creating an "everything bubble" highly dependent on low interest rates. Duncan warns that rising inflation could push interest rates higher and trigger a collapse in asset prices and a severe recession. Richard emphasizes that the greatest systemic risk is a contraction in credit and argues that sustained investment in innovation may be the only path to outgrow the debt burden before a long-term crisis emerges. We discuss... Richard Duncan explains his macro framework, arguing the global economy shifted from gold-backed discipline to a credit-driven system after 1968. Credit expansion, rather than productivity, has been the primary driver of economic growth for decades. Globalization and trade deficits helped suppress inflation, enabling lower interest rates and more debt growth. Following the 2008 crisis, government borrowing and Federal Reserve intervention replaced the private sector as the main engine of credit expansion. Massive stimulus and quantitative easing fueled a historic surge in asset prices and household wealth. The U.S. now faces an "everything bubble," with asset valuations stretched relative to income. War in the Middle East could drive higher energy, fertilizer, and food costs, worsening global inflation. Higher rates threaten to pop the credit-fueled bubble and trigger a significant recession. Deglobalization and reshoring manufacturing would likely be highly inflationary and destabilizing to the system. Despite high debt levels, the system can continue functioning as long as credit keeps expanding. Richard suggests a future shift from "creditism" to a new system driven by artificial intelligence and exponential gains in cognition. Gold's rise is attributed both to the broader asset bubble and declining global trust in U.S. financial dominance. Central banks are increasingly accumulating gold as a hedge against geopolitical and monetary risk. The biggest overlooked risk is a contraction in credit, which could collapse the entire economic system. Duncan argues that aggressive investment in innovation and technology is key to outgrowing the debt burden. Without continued credit expansion or productive investment, the system risks a severe long-term depression. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Marc Walton | Forex Mentor Pro Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/urgent-global-macro-development-richard-duncan-814 

Today we're here to share some war investing wisdom with you as we deal with an unusually volatile and fragmented market environment. Distinct "market paradigms" have rapidly rotated month-to-month, creating confusion for investors as sectors behave inconsistently. Despite a strong earnings week and resilient equities, underlying concerns are building, including rising interest rates, surging energy costs, and early signs of economic slowdown that could pressure consumers and corporate margins over time. There is a growing disconnect between market performance and economic reality, warning of potential earnings compression as higher costs and weakening demand squeeze companies. Remain cautious and selective, as the market is difficult to handicap. Right now, patience may be the most prudent strategy. Today we discuss...  Markets are behaving unusually in 2026, driven more by sentiment and geopolitical events than consistent trends. War has disrupted typical market patterns, yet equities have rebounded back to all-time highs. Distinct "pre-war, war, and post-war" paradigms have created sharp, month-to-month sector rotations. Tech and semiconductors have led the recent rally, despite broader inconsistency across sectors. A major earnings week showed mixed results, with strong performance overall but clear winners and losers. Economic data signals a slowing economy, though not yet strong enough to confirm a recession. Rising oil prices and geopolitical tensions are increasing inflationary pressures and economic uncertainty. Consumers are beginning to feel pressure from higher costs, especially energy, which could impact spending. A "margin squeeze" risk is emerging as companies face rising costs and slowing revenue growth. Markets remain resilient despite weakening underlying fundamentals, creating a growing disconnect. Big Tech continues to generate strong cash flow but faces uncertainty due to heavy AI-related capital spending. Emerging markets and rate-sensitive sectors face elevated risks in the current environment. Corporate earnings quality may deteriorate through lowered expectations or financial adjustments. Housing and consumer data remain weak, signaling underlying fragility in the economy. The biggest forward risk to markets is earnings compression rather than inflation or the war itself. Seasonality and historical patterns suggest potential weakness in the coming months.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/war-investing-wisdom-patience-and-caution-813 

Dylan Taylor is here to talk about the space economy. As CEO of Voyager Technologies and a commercial astronaut, he shares his journey into the space industry and outlines the rapidly evolving opportunities within it. Dylan highlights commercial space stations as a major frontier, enabling breakthroughs in microgravity research that can drive advancements in pharmaceuticals, materials science, and manufacturing by producing higher-quality inputs that improve processes back on Earth. Dylan underscores the economic and technical challenges of scaling space-based industries, the likely consolidation of space companies, and the critical role of reusable heavy-lift rockets in unlocking growth, while projecting realistic timelines for lunar return and Mars missions. Ultimately, he frames space not just as an investment frontier, but as a transformative domain that can reshape humanity's perspective and deliver meaningful benefits back on Earth.  We discuss...  Dylan Taylor shares his background as CEO of Voyager Technologies, commercial astronaut, and founder of Space for Humanity. His early fascination with space was inspired by science fiction and the idea of expanding humanity's potential. The rapid increase in satellite launches is creating massive datasets, linking space opportunities with AI-driven insights. Commercial space stations like Starlab are emerging as key platforms for research and manufacturing in microgravity. Microgravity enables higher-quality outcomes in pharmaceuticals, materials science, and fiber optics by reducing defects. Space-based research often produces intellectual property and "seed" inputs that enhance production back on Earth. Commercial space stations will operate through shared lab capacity across industries, especially biopharma. Automation, astronaut rotation, and future robotic avatars will make long-duration space experimentation more feasible. Orbital data centers are an emerging opportunity due to natural cooling and abundant solar energy. Water extraction on the moon could support fuel production and sustained human presence. Economic viability will determine the pace of lunar development and broader space commercialization. Landing and returning from the moon remain the primary technical challenges, not reaching orbit. Competition between the U.S. and China is likely to accelerate lunar exploration and development. The space industry is expected to undergo consolidation similar to early railroad expansion. Reusable, low-cost heavy-lift rockets are the key bottleneck being solved, primarily by SpaceX. Chemical rockets are highly inefficient for deep space, making nuclear propulsion a likely future solution. Human missions to Mars could realistically occur around 2030, though timelines remain uncertain. Asteroid mining is technically possible but more likely to be executed by autonomous robots than humans. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Diana Perkins | Trading With Diana Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/the-space-economy-dylan-taylor-812 

As war continues on, we talk the impact of oil on the economy. Ongoing and often confusing geopolitical developments are driving sharp, sentiment-driven market swings. Markets initially following a "great rotation" into defensive sectors were shifting into broad selloffs during war uncertainty, and now are in a rapid "chase" back into growth and tech as investors repositioned after being caught offside. Despite strong headline earnings underlying data shows slowing economic activity, mixed sector performance, weakening housing, and uneven credit conditions, suggesting a late-cycle environment. With correlations breaking down, traditional diversification less effective, and tech valuations complicated by rising capital expenditures, caution and incremental positioning are important. We discuss...  Markets reacted sharply to conflicting war headlines, showing how sentiment, not fundamentals, is driving short-term moves. Rely on frameworks rather than predictions, since forecasting the future is inherently unreliable. Current market strength is concentrated in tech, while most other sectors remain flat or weak. Strong earnings reports are being driven in part by lowered expectations rather than true outperformance. Economic data is softening, with slowing manufacturing, services, and forward-looking business activity. Credit markets show mixed signals, with business borrowing strong but housing and consumer trends uneven. The economy appears to be in a late-cycle phase, marked by narrow growth and increased fragility. Traditional diversification is less effective as stock and bond correlations have turned positive. Big tech faces scrutiny due to rising capital expenditures and uncertain returns on AI investments. Market behavior is increasingly driven by positioning, psychology, and institutional flows. Upcoming earnings from major companies are expected to add further volatility to markets. Midterm election cycles historically bring choppy market conditions, reinforcing uncertainty. The current rally may be a temporary bounce rather than a confirmed long-term trend. Investors are encouraged to avoid chasing gains and instead scale into positions. Holding cash and waiting for clearer signals is presented as a valid strategy. Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/the-impact-of-oil-811 

Dan Passarelli joins us to share his best billionaire investing secrets as he takes us on his journey from trading on the Chicago Board Options Exchange floor to becoming an educator. He explains how options have evolved from a niche tool into a widely used strategy for investors seeking to both reduce risk and enhance returns. He emphasizes that while traditional diversification helps manage volatility, options can further "tilt the scale" by generating income and smoothing returns. We explore the common misconception that options are purely speculative, highlighting instead their flexibility for income generation, hedging, and tailoring trades to specific market views. The key takeaway is that options are powerful but nuanced tools, capable of improving long-term outcomes when used with education, risk awareness, and a structured approach. We discuss... Options have grown significantly in popularity as investors recognize their ability to enhance returns while managing risk. Risk is often measured by volatility (standard deviation), and while diversification helps, options can further reduce portfolio swings. Covered calls allow investors to generate consistent income by selling the right for others to buy their stock at a higher price. Cash-secured puts enable investors to collect premium while setting target prices to potentially buy stocks at a discount. The "wheel" strategy cycles between covered calls and cash-secured puts to continuously generate income and manage positions. Options can be used strategically for income, hedging, or directional views rather than just speculation or gambling. Complexity is a major barrier, but investors can start small, learn incrementally, and build skill over time. More advanced strategies like spreads allow similar returns with lower capital but introduce trade-offs such as capped upside. Market makers differ from retail traders by focusing on liquidity and pricing rather than directional bets. Liquidity and bid-ask spreads play a critical role in execution quality and overall profitability in options trading. The rise of meme stocks and platforms like Robinhood brought new participants into options trading, often with mixed results. While some traders treat options as speculation, disciplined investors can use them as a structured risk management tool. There is debate around whether selling options has an inherent edge due to risk premiums, though both buying and selling can be profitable. Successful options trading requires understanding trade-offs, time horizons, volatility, and personal risk tolerance. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/billionaire-investing-secrets-for-normal-people-with-dan-passarelli-810 

The war is over? Next we were off to the moon! Today we talk geopolitical tensions in the Middle East and their impact on global markets. Markets have reacted optimistically despite underlying economic realities such as rising inflation, delayed energy shocks, and weakening global growth that have yet to fully materialize. Market movements are currently driven more by sentiment and positioning than fundamentals, with unusual sector reversals and shifting correlations adding to the complexity. Patience and caution are always the most important thing: markets are overstretched, earnings reactions matter more than the results themselves, and delayed economic impacts are likely to surface in coming months, meaning investors should focus on how markets respond to new information rather than blindly chasing momentum. We discuss... Reports of a ceasefire and the Strait of Hormuz reopening have boosted market optimism, though confirmation remains unclear. Markets have rallied sharply, pricing in a best-case scenario despite limited improvement in underlying fundamentals. Energy markets remain volatile, with oil shocks expected to impact the global economy with a delayed effect. Emerging markets are facing greater strain due to reliance on energy imports and policy responses like subsidies and rationing. Inflation pressures are rising again, driven largely by energy costs and sector-specific factors. Global growth expectations are being revised lower, with downside risks increasing amid geopolitical uncertainty. Market behavior has shifted from fear-driven to misaligned, where optimism is outpacing economic reality. Sector performance has flipped compared to pre-war trends, with previous leaders now lagging and vice versa. Correlations between asset classes have tightened, reflecting stress and leverage in the system rather than normal rotation. The market is acting as a forward-looking mechanism, already pricing in expected future disruptions. Earnings season should be evaluated based on market reaction rather than headline results. Delayed economic impacts, especially from energy supply chains, are expected to show up in future quarters. Labor market data shows cooling job and wage growth, adding pressure alongside rising costs. Consumer spending is slowing, which could weigh on corporate profits moving forward. Rapid market gains have created overbought conditions, increasing the risk of consolidation or pullback. Investor positioning and short-covering have contributed to the recent rally. Caution is advised against chasing momentum, particularly in an overstretched market. Market conditions remain messy and difficult to interpret, with few clear trends emerging.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/the-war-is-over-809 

Neal Bawa is here today to discuss the investing intersection of real estate with ai science. Neil explains how he transitioned from a tech career into real estate by applying data science to identify high-performing markets, emphasizing that factors like job growth, population growth, income growth, home price trends, and crime reduction can significantly improve investment outcomes. He outlines how his team uses advanced analytics and AI tools to rank cities, analyze deals, and uncover insights that humans often miss, while also integrating AI deeply into company operations through structured systems like EOS. He highlights selective opportunities in distressed multifamily assets and emerging areas like senior housing, while cautioning that single-family and industrial assets remain expensive. We discuss...  Neil Bawa transitioned from tech to real estate, using it as a tax-efficient path to build long-term wealth. Key drivers of real estate performance include job growth, population growth, income growth, home price trends, and crime reduction. He developed a data-driven system to rank U.S. cities and identify high-performing markets like Madera, California. AI is deeply integrated into his company, with employees required to use it daily and contribute to building internal tools. AI improves efficiency and insight generation, even if it occasionally makes calculation errors. He expects modest interest rate declines in 2026, with mortgage rates around 6–6.3%. Home prices are likely to remain flat or grow slightly (1–2%) due to improving supply and demand dynamics. The "lock-in effect" from ultra-low pandemic-era mortgages has constrained housing supply and prevented price declines. As rates ease, more sellers and buyers are expected to re-enter the market, balancing prices. Multifamily real estate saw price declines with rising rates, unlike the single-family market. Distressed multifamily deals present niche opportunities, especially in overleveraged markets. The office sector is likely near a bottom, with gradual recovery driven by return-to-office trends and limited new supply. Private credit is growing but carries elevated risk, requiring careful selection of managers. Real estate overall is in a transitional phase after several challenging years, particularly for commercial sectors. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Marc Walton | Forex Mentor Pro Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/real-estate-with-ai-science-neal-bawa-808 

Today we have war updates... patience and caution are needed as we focus on recent headlines. From inflation data and Fed commentary to geopolitical tensions and a temporary ceasefire, there has been surprisingly little lasting impact on markets. Underlying market weakness existed before the war and the conflict has mainly reshuffled sector performance leaving markets stuck in a fragile, uncertain range. While some areas like energy, materials, and staples showed prior strength, others such as software and parts of financials remain weak. Conflicting signals from interest rates, the dollar, and inflation expectations, along with continued volatility driven by political narratives rather than fundamentals, make it difficult to form a high-conviction outlook.  We discuss...  Markets largely ignored major news on inflation, Fed policy, and geopolitics, suggesting underlying uncertainty and indecision. The market was already weakening before the war, meaning the conflict mainly shifted trends rather than creating new ones. Current price action reflects a choppy trading range with no clear directional trend emerging. Software and parts of technology remain notably weak, even compared to pre-war levels. Semiconductor stocks have held up better, creating divergence within the tech sector. Financials are showing signs of stress, partly due to concerns around private credit and hidden risks. Lack of transparency in financial system exposures poses a greater risk than the size of the problem itself. The yield curve is flattening, reducing profitability for banks and signaling potential economic pressure. Interest rates, the dollar, and inflation expectations are sending mixed and unreliable signals. Oil price dynamics and futures markets suggest expectations of declining prices despite short-term spikes. Inflation impacts from higher energy costs may not be fully felt for several months. Geopolitical developments, particularly involving Trump's negotiation style, add unpredictability to market behavior. Sitting in cash is a valid strategy in uncertain environments despite inflation concerns. Missing small upside moves is preferable to being exposed to sudden market drawdowns. Elevated valuations and lingering macro risks suggest markets may not be as stable as they appear. Relief rallies can occur even while underlying economic and market stress persists. There are currently very few high-conviction investment opportunities across markets. Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/war-updates-patience-and-caution 

Have you ever thought about getting rich with music royalties? Jon Gestal explains how music royalties function as an alternative investment and the complex ecosystem where songwriters, artists, publishers, and labels earn income from licensing, streaming, radio, and live performances. He shares how platforms like Royalty Exchange create liquidity by allowing creators to sell partial or full rights to those cash flows. Royalty streams vary in structure and stability, often following a lifecycle where earnings spike early and then settle into more predictable long-term income, making seasoned catalogs attractive for passive income investors seeking diversification from traditional markets. We discuss... Music royalties consist of multiple income streams, including performance, mechanical, and sound recording royalties. Artists earn money from a mix of royalties, live performances, advances, and synchronization deals like TV, movies, and commercials. Streaming platforms like Spotify pay royalties based on a share of revenue rather than a fixed rate per play. Music catalogs typically follow a lifecycle where earnings spike early and then decline into a more stable, predictable long-term cash flow. Older, "seasoned" catalogs tend to be more attractive to investors seeking consistent passive income. Investors can purchase royalties from individual songs, groups of songs, or entire catalogs depending on the seller's needs. The growth of global streaming and emerging markets continues to expand the overall music royalty pool. Technology and social media have changed how artists are discovered, but success remains just as difficult as before. Artists today have more independence and flexibility, reducing reliance on traditional record label deals. The conversation highlighted the increasing financialization of entertainment assets, including music, sports, and film. Fractional ownership allows smaller investors access to royalties but often reduces returns due to multiple layers of fees. "Vanity investing" and emotional attachment can influence decisions when investing in entertainment assets. Music royalties can serve as a diversification tool since they are largely uncorrelated with traditional financial markets. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Marc Walton | Forex Mentor Pro Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/getting-rich-with-music-royalties-jon-gestal-806 

Today we talk the war impact on the US Economic cycle. Global uncertainty is distorting market behavior and the gap between perception and reality, particularly in areas like oil supply, emphasizes that prices, not narratives, are the most reliable signal. We explore rising oil prices, shifting interest rates, and a flattening yield curve, while stressing the importance of adapting investment theses as new information emerges rather than clinging to outdated views. We also talk sector performance, valuation concerns, global energy vulnerabilities, and how different economies are reacting to supply shocks. Investors cannot control external events but must remain flexible, focus on market signals, manage risk, and avoid emotional decision-making, especially in uncertain environments where sitting on the sidelines may be the most prudent strategy. We discuss...  Markets are currently being driven more by narratives, geopolitics, and sentiment than by traditional fundamentals. There is a significant disconnect between public perception and reality, especially in areas like global oil supply. Rising oil prices and war-related uncertainty are pushing inflation expectations and interest rates higher. The yield curve is flattening, signaling changing economic conditions and potential stress in lending and growth. Market price action is the most reliable indicator of truth, reflecting collective positioning and expectations. Many stocks are experiencing deeper drawdowns than headline indexes suggest, masking underlying weakness. Certain sectors like energy and value stocks are outperforming, while growth and tech are under pressure. Global energy disruptions are exposing the fragility of supply chains and impacting economies unevenly. Emerging markets and energy-dependent countries are feeling the effects of the crisis more quickly. Valuation concerns remain, particularly in high-multiple companies where earnings may not support prices. Historical data suggests Q1 performance does not strongly predict the rest of the year's market returns. Economic cycles influence which asset classes perform best, requiring shifts in portfolio allocation over time. War conditions disrupt normal market cycles, making traditional frameworks less reliable in the short term. Investors should prioritize risk management, flexibility, and avoiding emotional decision-making.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/war-impact-on-the-us-economic-cycle-805

Marc Walton shares his journey from running traditional businesses in the UK to working in forex trading. His investing work expands across forex, crypto, and global markets, emphasizing the importance of adaptability and recognizing market cycles. We talk how institutional players like Wall Street often manipulate narratives and markets, creating opportunities for informed investors who understand positioning and sentiment. Marc highlights key areas of opportunity he sees today, including gold and silver, rare earth metals, uranium, energy, and select crypto assets. We also explore skepticism around AI as a potential bubble similar to the dot-com era, debates its real-world utility versus hype, and how macro forces, politics, and investor psychology drive markets more than fundamentals. Success comes from staying flexible, thinking independently, managing risk, and aligning with larger market forces rather than trying to fight them. We discuss...  Marc Walton transitioned from running traditional UK businesses to full-time trading and investing across forex, crypto, and global markets. Early retirement led him to forex trading, where he initially lost money before finding success through mentorship and disciplined learning. A major wealth inflection point came from early crypto investments, particularly in Bitcoin, Ethereum, and Cardano. Wall Street firms frequently criticize assets like crypto publicly while quietly positioning to profit from them. Marc stresses the importance of taking profits and managing risk, especially in volatile assets like crypto. Energy demand, particularly driven by AI and electrification, is seen as a major long-term investment theme. Markets are increasingly driven by sentiment, politics, and liquidity rather than traditional fundamentals. Forex trading is described as complex but manageable if approached professionally rather than as gambling. Retail investors often struggle due to lack of financial education, discipline, and follow-through on investment decisions. Geopolitical factors, including China's control of rare earths, are shaping long-term investment opportunities. Speculative sectors like cannabis and high-yield ETFs were explored with caution around risk and sustainability. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Diana Perkins | Trading With Diana Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/forex-trading-marc-walton-804 

What is happening in the markets right now? Today we focus on how war, geopolitical uncertainty, and shifting economic conditions are driving unusual market behavior. Markets are increasingly reacting to narratives, sentiment, and positioning rather than clear fundamentals. There is a repeating weekly pattern of short-term gains followed by declines, emphasizing that market reactions are the most reliable signal of truth amid widespread misinformation. Rising oil prices are fueling short-term inflation expectations and inflation may ultimately prove temporary unless conflict persists. We also talk structural shifts in markets, including weakening breadth, a transition from emotional reactions to repricing, pressure on technology stocks due to AI concerns, and a gradual move by consumers toward essentials. It's important to adapt your strategy to market regimes and use risk management, smaller position sizing, and cash for optionality. The current environment is a volatile, tactical market where active management, liquidity awareness, and flexibility are critical. We discuss...  Market reactions are the most reliable indicator of what information is actually meaningful. Rising oil prices are driving short-term inflation expectations through higher energy and transportation costs. Inflation may prove temporary if conflict resolves quickly, but could persist if disruptions last several months. Volatility remains elevated, but panic has faded as investors adjust positioning. Technology stocks are weakening due to concerns about AI disrupting traditional software business models. Market breadth is deteriorating, with fewer stocks supporting overall index performance. Consumers are shifting spending from discretionary items toward essential goods. Housing markets are stagnating, with high mortgage rates freezing transaction activity. Liquidity risks are building across sectors including private credit, commercial real estate, and banking. Geopolitics is now a primary market driver, impacting supply chains, energy, and global capital flows. Investors are experiencing narrative fatigue, becoming desensitized to headlines despite rising underlying risks. The current environment favors active, tactical investing over passive buy-and-hold strategies. Fundamentals are less reliable in the short term, with price action driven more by sentiment and positioning. Risk management, smaller position sizing, and quick decision-making are critical in volatile markets. Holding cash provides optionality and the ability to deploy capital during market dislocations. Options and technical trading strategies may offer opportunities in a high-volatility environment. Secular and cyclical market cycles require different approaches, with potential transition into a longer-term bear phase. Avoiding overleveraged assets and rate-sensitive sectors is key as financial conditions tighten.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/happening-in-the-markets-803 

Medicare madness solved! Join us as Sylvia Gordon demystifies retirement planning, explaining how Medicare and Social Security actually work, highlighting key age milestones and emphasizes that there is no one-size-fits-all strategy. Descisions depend heavily on individual health, finances, and lifestyle goals. We break down Medicare's complex structure, contrasts private Medicare Advantage plans with traditional coverage, and explores common (and costly) misconceptions while also addressing broader systemic issues such as rising healthcare costs, doctor shortages, and policy uncertainty. Personalized planning is the most important thing you can do as there is no one-size-fits-all set up. Early education and understanding nuanced rules like spousal and ex-spousal Social Security benefits can help you avoid leaving money on the table. We discuss... Sylvia Gordon explained her background training insurance agents and simplifying retirement topics through short-form educational content. Many people misunderstand that taking Social Security early permanently reduces benefits and that Medicare does not begin at the same time. There is no universal "rule of thumb" for claiming Social Security, as decisions depend on the individuals goals. Medicare enrollment at 65 is optional if you continue working with qualifying employer coverage, which can prevent unnecessary costs. Prescription drug coverage now includes a capped out-of-pocket maximum, though costs have shifted for many users. Healthcare system challenges such as doctor shortages and low Medicare reimbursement rates were discussed as reasons providers limit Medicare patients. Rising healthcare costs and inefficiencies are major pressures on the long-term sustainability of retirement systems. Future changes to Social Security and Medicare are likely to include higher retirement ages and reduced benefits due to demographic trends. Policy changes are often phased in gradually to avoid political backlash and protect current retirees. The conversation explored potential reforms like lowering drug prices and reducing U.S. subsidization of global pharmaceutical costs. Medical tourism and international drug purchasing are discussed as cost-saving strategies not typically covered by Medicare. Medicare generally does not cover alternative or functional medicine, requiring out-of-pocket spending for those services. Incentives within healthcare, such as provider bonuses and system constraints, can influence treatment recommendations. Many retirees miss benefits or make suboptimal decisions due to lack of education and reluctance to discuss finances within families. Starting retirement planning in your 50s, and helping parents navigate the system, can improve outcomes and understanding. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/medicare-madness-solved-sylvia-gordon-802 

WAR… and no market crash… Are we in a bear market or a bull market? Rapidly shifting narratives, once centered on a soft landing, rate cuts, and strong consumers, have been disrupted by war, oil volatility, and weakening economic data, creating widespread uncertainty and "busted brackets" for investors. Markets are behaving irrationally, often reacting more to expectations and propaganda than clear fundamentals, making prediction unreliable and reinforcing the importance of scenario-based thinking rather than conviction. There will either be a quick end to the conflict that could drive lower oil, falling rates, and a rebound in bonds and staples, or a prolonged war leading to higher inflation, economic strain, and limited upside across most assets. With elevated correlations, fragile financial systems, and a stalled market that has gone largely sideways, traditional diversification may not provide protection. The key takeaway is caution and avoiding emotional decisions! As always, adaptability and risk management matter more than trying to predict outcomes in a highly unstable environment. We discuss... Markets are behaving like March Madness, with unpredictability, momentum shifts, and broken narratives replacing earlier optimism around a soft landing. Geopolitical conflict and unclear information flows are driving volatility, making it difficult to distinguish truth from market-moving narratives. The market appears to be pricing in a short-lived conflict, despite ongoing uncertainty and mixed signals. Traditional diversification is less reliable as correlations between stocks and bonds have increased in recent years. Energy has emerged as the primary outperformer, while most other sectors struggle amid rising costs and uncertainty. Financial system risks are building, particularly in private credit and banking exposure, signaling potential stress beneath the surface. Consumer strength is weakening as higher costs and debt begin to pressure spending behavior. Housing remains a major concern, with rising supply and weak demand due to elevated mortgage rates. Market movements often contradict headlines, reinforcing the need to observe price action rather than rely on media narratives. "Buy the dip" strategies are risky in uncertain or potentially bearish environments. Sitting in cash or staying defensive can be a strategic choice when market direction is unclear. Predictions from Wall Street are often overly optimistic and fail to account for downside risks. Volatility and confusion in markets are often the result of mispriced uncertainty rather than clear economic deterioration. Successful investing in this environment requires adaptability, patience, and disciplined risk management rather than bold predictions.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/war-and-no-market-crash-801 

Elliott Holland is back with us to help us explore today's investing landscape. We discuss concerns about illiquidity, continuation funds, and efforts to expand private equity access into retirement accounts such as 401(k)s, as those moves may be driven by a need for liquidity rather than investor benefit. We also talk how investor psychology, ego, and exclusivity often influence capital allocation, while experienced investors should focus instead on fundamentals like who has better information in a transaction and whether there are multiple ways to win in an investment. We dive into emerging areas like search funds, small business acquisitions, and roll-up strategies, highlighting both their potential and risks. There is importance to patience in investing, as technologies like AI may reshape research, decision-making, and competitive advantages for investors and business owners. We discuss... Whether private equity still deserves its reputation as producing the smartest investors and best returns in finance. Private equity returns have declined over the past decade and in many cases barely outperform the S&P 500. Mezzanine debt is highlighted as an alternative that has historically produced better returns with less risk and shorter lockups than private equity. Continuation funds and other mechanisms allow private equity firms to extend holding periods when they cannot find buyers. Some private equity firms are struggling with liquidity because they cannot exit deals at the valuations they promised investors. Illiquid investments with mediocre returns may not be worth the long lockup periods required. How exclusivity and the desire to invest alongside prestigious managers can lead investors to overlook fundamentals. How Wall Street often profits regardless of whether the underlying investments succeed. The Stanford model of funded search funds is historically producing strong reported returns. Increased competition for small business deals may be inflating prices and reducing returns. In some cases sellers may misrepresent financial performance to attract inexperienced buyers. Roll-ups can work when a larger buyer eventually acquires the combined platform at a premium valuation. Real estate is an example where multiple exit paths can justify accepting illiquidity. Periods of market stress often create the best opportunities for patient investors. Investors often regret not having enough capital ready during market downturns. The conversation also examines how smaller investors may have advantages over large institutions in finding niche deals. How new technologies and economic changes may create opportunities for the next generation of investors. AI is described as a productivity tool that can accelerate research and idea development, though AI outputs are not always reliable and require human judgment. Experienced professionals who combine domain knowledge with AI tools may gain a major advantage. Leaders should ensure someone within their organization is actively monitoring AI developments. Investors and entrepreneurs should stay curious, patient, and disciplined while adapting to changing markets and technologies. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/todays-investing-landscape-elliott-holland-800 

Private credit could be the next black swan and we're going to break it down for you. We also discuss the ongoing war and how geopolitical uncertainty is affecting financial markets, investor psychology, and economic conditions. Misinformation, AI-generated content, and media bias make it difficult to know what is actually happening amidst the "fog of war", which increases market uncertainty. Markets have reacted with volatility rather than a sharp crash, highlighting unexpected moves such as a stronger U.S. dollar, mixed performance across sectors, and spikes in oil prices that could fuel inflation. Risk management is of the upmost importance during uncertain periods and investors should reassess their theses, reduce exposure when necessary, and consider holding cash until clearer trends emerge. We also talk broader economic risks including rising credit balances, potential policy mistakes by central banks, and structural concerns in areas like private credit and financial sector exposure. We discuss...  The ongoing war has created uncertainty and a wide range of opinions about its political and economic implications. The S&P 500 has only modestly declined so far, suggesting markets have not fully priced in the potential risks. Traditional market expectations have been challenged, such as the U.S. dollar strengthening instead of weakening. Oil prices have spiked due to geopolitical tensions, raising concerns about inflation and broader economic impacts. Energy has been the strongest-performing sector while many other sectors have struggled. Risk management should come before return-seeking when uncertainty is high. Investors should not hesitate to move to cash when market conditions become unclear. Crowded trades in war-related assets like energy, defense, and gold could reverse if sentiment shifts. The potential for consumer stress is highlighted, including rising credit card balances and higher costs from energy prices. Rising mortgage rates are a factor that could freeze housing activity during the spring selling season. Geopolitical risk is increasingly being priced into markets after years of relative stability. The current environment may represent a shift away from the low-rate, liquidity-driven market regime of the past decade. Policy mistakes by governments or central banks could become a bigger risk than the war itself. There are potential risks in the private credit sector, particularly due to limited regulation and transparency. Private credit has replaced some traditional bank lending since the 2008 financial crisis. Redemption freezes in private credit funds could signal stress in the system. Patience, discipline, and careful portfolio management are essential during periods of geopolitical and economic uncertainty.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/the-next-black-swan-799 

Jade Miller is here to discuss the pros and cons of alternative investments. Jade shares her journey to becoming the CEO of the Alternative & Direct Investment Securities Association (ADISA), her background in private markets, and ADISA's role in advocating for and expanding access to alternatives for financial advisors and investors. We explore the growing push to include alternative investments in 401(k) plans, investor misunderstanding, and potential regulatory challenges. We also talk the importance of thorough due diligence, common red flags, and the need for greater transparency from fund managers.  We discuss... Jade Miller discusses her background in private markets, primarily real estate, and her transition to becoming the first CEO of the ADISA. ADISA's mission is to advocate for alternative investments, provide education and due diligence standards, and connect financial advisors with alternative investment managers. The alternatives industry is shifting from limited access for wealthy investors toward broader availability, including potential inclusion in 401(k) retirement plans. Large institutional managers are likely to dominate 401(k) alternative offerings rather than smaller private fund sponsors. Liquidity constraints and fund structures such as interval and tender-offer funds will likely shape how alternatives are implemented inside retirement plans. Illiquid investments in retirement accounts can carry a higher risk of fraud or poor diligence because the capital is often locked up for long periods. Increased transparency and reporting expectations from investors are pushing alternative fund managers to provide more detailed disclosures. Financial advisors play a key role in helping investors assess alternative opportunities and navigate complex investment structures. Unrealistically high projected returns and lightly vetted crowdfunding deals can be major warning signs for investors. Real estate is highlighted as a foundational alternative asset due to its tangible nature, income potential, and long-term demand. Alternative investments can offer meaningful tax advantages, including depreciation benefits, opportunity zone incentives, and oil and gas deductions. Roth conversion strategies can sometimes be enhanced through private investments that temporarily reduce valuation during development stages. Investors and financial advisors who ignore alternative investments risk falling behind as the asset class becomes a larger part of diversified portfolios.   Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Marc Walton | Forex Mentor Pro Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

There's war in the middle east and there will be huge impacts on your portfolio! Today we talk about how war-related uncertainty and conflicting economic signals are creating unusual market behavior, making it difficult for investors to interpret short-term movements. Broad market declines across many asset classes can indicate de-leveraging rather than money simply rotating elsewhere, and geopolitical tensions, rising oil prices, weakening job data, and potential stagflation risks are adding pressure to the economy. While some sector rotation into energy, commodities, and defensive assets is occurring, be wary that wartime conditions disrupt normal market trends, making strategies like "buying the dip" risky. Now is the time for risk management as preserving capital during periods of uncertainty is often more important than trying to time short-term market moves.  We discuss... How misinformation, AI-generated content, and limited reliable sources make it difficult to understand what is actually happening during geopolitical conflicts. How negative political messaging often backfires psychologically because the human brain tends to ignore the word "not" and focus on the core concept. The unusually volatile week in markets, where prices swung sharply day-to-day despite ongoing geopolitical tensions. Markets do not always react logically to major events like wars, with assets sometimes moving in unexpected directions. A key explanation for broad market declines was de-leveraging, where leveraged positions are unwound and excess liquidity effectively disappears from the system. Investors rarely know the full reasons behind short-term market movements because many institutional trades occur behind the scenes. "Buying the dip" works in bull markets but can lead to significant losses during bear markets or uncertain environments. During wartime conditions traditional market frameworks often break down, making predictions especially unreliable. Reduce risk exposure and avoid aggressive trades until geopolitical uncertainty becomes clearer. Recent economic data show job losses and rising unemployment, which adds pressure to an already fragile economic outlook. Capital is rotating into defensive areas such as energy, commodities, defense stocks, and gold. Market rotations are normal in healthy markets but can become distorted when geopolitical shocks occur. Holding cash can be a strategic decision during uncertain markets rather than a missed opportunity. How falling interest rates could eventually lower mortgage rates and trigger more activity in the housing market. Investors should focus on protecting capital and managing downside risk during periods of extreme uncertainty.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investors-are-fleeing-into-this-sector-797 

Jose Mayora, author of Wall Street's Blind Spots, a new book about the realities of value investing in a market dominated by mega-cap growth stocks, explains that true value investing is not about low P/E ratios but about buying businesses at a meaningful discount to intrinsic value. He emphasizes disciplined, bottom-up research, geographic and sector diversification, and concentrated portfolios to uncover overlooked opportunities. We also explore the psychological challenges of investing through crashes and euphoric markets, the tension between patience and performance when managing other people's money, and the risks of over-investment.  We discuss...  Jose Mayora shares his background in investment banking, economics, earning the CFA, and co-founding DeVita Valley Growth Fund with a disciplined value-oriented philosophy. The discussion highlights how traditional value strategies have lagged during the dominance of mega-cap tech stocks, particularly the "Magnificent Seven," over the past decade. Mayora emphasizes that avoiding high-multiple stocks purely on valuation optics can cause investors to miss strong businesses compounding at high rates. The conversation underscores the importance of remaining impartial and avoiding confirmation bias from sell-side research, headlines, or popular narratives. Mayora argues that concentrated portfolios of 10–16 positions are more realistic for true value investing, as finding dozens of genuine bargains in expensive markets is unlikely. We examine how broad market crashes create opportunity because markets become indiscriminate, often punishing high-quality companies alongside weaker ones. Historical examples like Google during the 2008–2009 crisis illustrate how strong businesses temporarily trade at compelling valuations during downturns. The psychological challenge of buying low-quality "junk" stocks for sharper rebounds versus sticking with durable high-quality companies is debated. They discuss how long recoveries—such as after the dot-com crash—can test investor patience even when valuations are compelling. Mayora explains that maintaining close communication and philosophical alignment with investors helps navigate inevitable periods of underperformance. They debate missed opportunities in large-cap tech and the difficulty of staying disciplined when high-momentum stocks dominate returns. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Mergent College Advisors Marc Walton | MarcWalton.com Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/wall-street-blind-spots-jose-mayora-796