rz2cents

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We strive to gain valuable insights through critical thinking and meaningful conversations. Robert has founded a Hedge fund and is also an independent financial adviser, originally from China and now lives in the states. Roy has founded an advertising and marketing agency for cross-border businesses, originally from China, later moved to Canada, and now lives L.A. We both live in beautiful southern California and value critical observations, thinking, and reasoning. One coin has two sides, multiple sides at times. And we hope to share with you our 2 cents on a wide range of topics. Disclaimer: The podcast will mainly be produced in English, since we are both bilingual sometimes we will use mandarin to explain certain cultural specific things. All quotes are original, unless stated otherwise.

Roy & Robert Zhang Jr.


    • Jan 8, 2022 LATEST EPISODE
    • infrequent NEW EPISODES
    • 1h 5m AVG DURATION
    • 48 EPISODES


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    Latest episodes from rz2cents

    Importance of Father Figures/ Connection to Greats of the Past

    Play Episode Listen Later Jan 8, 2022 4:47


    Importance of Father Figures/ Connection to Greats of the PastGod or Science? Or is it Both?

    东亚文化的内卷和压迫性 ( Why Confucius was flawed)

    Play Episode Listen Later Jan 8, 2022 7:56


    东亚文化的内卷和压迫性有毒的儒家文化 ( Why Confucius was flawed)

    Taoism in the modern world

    Play Episode Listen Later Jul 24, 2021 83:22


    In this Ep, Roy and Robert discuss the legendary eastern philosopher Laozi and his famous taoism, why it transcends over centuries and is vital to achieve inner peace in the modern world.

    What inspires you?

    Play Episode Listen Later Feb 8, 2021 76:42


    In this Ep, Roy and Robert dive into the origin of why they do what they do, what gets them out of bed every morning and who they draw inspirations from. This discussion is about giving their own answers to the deep rooted question within all of us, men's search for meaning and inspiration.

    2021 Outlook ( Reasons to be optimistic and risks to be cautious of)

    Play Episode Listen Later Jan 19, 2021 58:52


    In this ep, Roy and Robert started the new year 2021 with a fresh outlook for the decade ahead after an unprecedented 2020 to say the least. What are the things, trends, people we are optimistic about? What are the potential risks to be careful of? Tune in to find out more

    Venture Capital Investing trend

    Play Episode Listen Later Nov 9, 2020 56:01


    In this episode, Roy and Robert discuss venture capital investing trend around the globe. As an asset class and way of funding companies during early stages of their growth, venture capital has caught a lot of hype the last decade. Tune in to find out our take and latest thoughts on the stage of venture capital right now.

    人生的婚姻选择权 ( When to get married? Or should you?)

    Play Episode Listen Later Oct 21, 2020 88:49


    我们意识到当今很多年轻人在被父母逼婚时感到沮丧和纠结,对于组建家庭的愿望,时间和形式有各种不同的意见,同时不同性别的年轻人在不同的阶段也有不同的压力。这一集讨论中,我们努力提供我们的建设性意见和辩证性思考。Arguably one of the most important decisions in one's lifetime, tune in to find out our thoughts on marriage, the if, when and who and so much more beyond. ( Bilingual Episode)

    Marco Economic Outlook in a Post Covid World

    Play Episode Listen Later Oct 13, 2020 129:51


    In this Ep, Roy and Robert catch up on a summer of many economical developments around the world. How will a post Covid world emerge? What can we do on an individual level to prepare for the next years ahead? Tune in to find out!

    Economic events and Financial markets update

    Play Episode Listen Later Jul 15, 2020 72:15


    In this Ep, we just jump back into our Covid-19 special updates. Tune in to hear us discuss the Economical environment we are in, how it impacts financial markets, changing Geo political landscape and implications on the upcoming election in the U.S.

    Civil Rights in 2020 ( How non blacks see it)

    Play Episode Listen Later Jun 24, 2020 50:34


    In this Ep, Roy and Robert discuss the other side of the BLM movement. How do conservative white people see this topic? How do capitalists think about a potential socialism wave in the United States? What defines the American Dream today? We also offer our own honest and objective opinions on various layers of this topic. We believe in using data and facts to back up our statements instead of just letting emotion runs its course.

    Cvil rights in 2020 ( How black America sees it)

    Play Episode Listen Later Jun 10, 2020 75:37


    In this special ep, Roy and Robert invite guest speaker Lorenzo Bernardez from Bronx, New York to discuss the current black lives matter movement. Diving deep into police brutality, social justice, racial discrimination, this episode is a can't miss for sure. There will also be a follow up episode next week with Roy and Robert's own views on the current social unrest, as well as some thoughts after interviewing a white American privately off the record. One coin has two sides, sometimes many sides. We want to have all voices to be heard, left or right, black or white or yellow. No judgement, just to provoke independent critical thinking. That is the purpose of RZ2Cents.

    Navigating through the Financial markets during COVID-19 3.0

    Play Episode Listen Later May 17, 2020 108:53


    Our 3rd special episode on COVID-19's economical impacts and how to make your own investment decisions during this unprecedented time in human history.

    COVID-19 Economical Impact and Opportunities in a Recession 2.0

    Play Episode Listen Later Apr 27, 2020 122:33


    After the highly popular Economical impact episode, here is another one after 1 month since the world went into lockdown. In this Ep, Roy and Robert discuss the short term economical impact from the reopening in May and June as well as the medium term outlook for U.S and the world economy in Q3 and Q4. Then they went on to have an in depth discussion on the long term outlook of the economy with a 12 months plus time frame. Since it is a long episode and a very extensive one, we recommend you to listen to this in 2 pieces. One hour each time.

    Social and political impact of the COVID-19 crisis

    Play Episode Listen Later Apr 2, 2020 91:58


    In this Ep, Roy and Robert discuss various social and political implications that come with this ongoing COVID-19 crisis.

    Economic shutdown and Opportunities in a recession

    Play Episode Listen Later Mar 20, 2020 100:40


    In this week's episode, our 2nd part of the coronavirus special series, Roy interviews Robert about his thoughts on the economic impact of this unprecedented situation. After spending 100+ hours of deep research and studying various industries, Robert gave his insights on the stock market trend and economic forecast. Whether you are in for the personal finance advice or crisis business management tips, this is a can't miss episode for sure.

    In depth discussion on Coronavirus and its impact on 3 levels

    Play Episode Listen Later Mar 7, 2020 87:58


    Roy and I dive into a deep conversation on the biggest event of 2020. The COVID-19 virus outbreak and its impact on our lives. We discussed the impact from three different categories. The human health perspective, the economical impact and its potential longer lasting effect on the progress of globalization.

    6 Principles of Decision Making

    Play Episode Listen Later Feb 4, 2020 73:02


    In this Ep, Roy and Robert share their core principles when it comes to complex situations in life. Hopefully these principles can help you to navigate through your life decisions as well.

    Small business vs Technology start up

    Play Episode Listen Later Jan 6, 2020 73:12


    In this Ep, Roy and Robert discuss the difference between small business ownership versus technology start up companies. The topic covers economy of scale, network effects, branding, including current events study and specific company analysis.

    Life and Death (向死而生)

    Play Episode Listen Later Dec 1, 2019 70:44


    In this Ep, Roy and Robert dive into a deep, serious and very meaningful topic of life and death. Understanding death might sound depressing but it is vital to comprehend life from that perspective. It is the one and only outcome that all of us will face

    How we learn ( Various learning methods and how to achieve optimal result for your life long education)

    Play Episode Listen Later Nov 17, 2019 50:01


    In this Ep, Roy and Robert discuss various learning methods that they use to pursue their goal of life long education. We view education as a journey that never stops. Therefore, diverse, effective and personable learning methods go a long way

    Technology innovation and our future

    Play Episode Listen Later Oct 20, 2019 49:38


    In this Ep, we are glad to invite a guest speaker from the world famous Amazon web services' division. He is an experienced software engineer in cloud computing and has worked at a blockchain start up company as well. We discussed AI, VR, AR and more.

    Humanity: Kindness or Evil?

    Play Episode Listen Later Oct 11, 2019 74:17


    In this Ep, Roy and Robert sit down to discuss a deep and meaningful topic: Are we humans fundamentally good or bad? Do we have more kindness in us or more evil? What can we learn from history and how is humanity evolving? Tune in to think deep with us

    Sound and Branding

    Play Episode Listen Later Sep 10, 2019 100:20


    In episode 28, we invited a special guest onto our podcast to explore the relationship between sound branding and consumers. We wanted to discuss how companies use sound as a medium to communicate with consumers. Freddy J. Nager is an award-winning creative professional and marketing professor with over two decades of business experience. Currently serving as the Entrepreneurial Communication Expert in Residence at the USC Annenberg School for Communication and Journalism. and speaks at conferences nationwide.

    Economical Cycles and Trade war impact

    Play Episode Listen Later Sep 4, 2019 49:37


    In this Ep, Roy and Robert discuss the current Economical cycle we are in, whether it could continue despite Geopolitical conflicts. Robert also shares his insight from his studies on patterns predicting Economical cycles and historical market behaviors.

    Various communication methods and their impact on different relationships

    Play Episode Listen Later Aug 6, 2019 54:36


    In this Ep, Roy and Robert discuss how different communication methods change the way we live in today's society.

    Mental Health in Modern Society

    Play Episode Listen Later Jul 18, 2019 66:05


    In this Ep, Roy and Robert discuss a issue that is common among modern day individuals but not often addressed. Mental health and well being and the complex reasons behind how to maintain these is our topic for this week.

    Moat in Business

    Play Episode Listen Later Jul 4, 2019 53:11


    In this Ep, Roy and Robert discuss moats ( core competitive advantages) in today's business world. The word is famously used by Warren Buffet to describe his favorite businesses to invest in. Now we take our shot at it from investing and marketing angles

    Emotional Intelligence

    Play Episode Listen Later Jun 18, 2019 51:50


    In this Ep, Roy and Robert discuss the definition of emotional intelligence, various ways of increasing emotional intelligence and the strategies to implement these into our daily lives.

    Marketing and advertising strategies for businesses

    Play Episode Listen Later Jun 13, 2019 54:43


    In this Ep, Robert interviews Roy regarding his expertise on marketing strategies for growing businesses. Roy goes into detail on how to build a formidable system around an enterprise's marketing plan.

    渣男的定义

    Play Episode Listen Later Jun 6, 2019 45:49


    In this Ep, Roy and Robert interview a surprise guest speaker regarding a cultural phenomenon in today's dating culture. It is mainly conducted in Mandarin with some English references.

    Fear, Anxiety, and Jealousy

    Play Episode Listen Later May 22, 2019 54:26


    In this Ep, We dive into the emotions we all experience but often choose not to talk about. How should we face fear, anxiety and jealousy? More importantly how do we embrace and take advantage of these emotions since we can't avoid them?

    Capitalism vs Socialism

    Play Episode Listen Later May 15, 2019 80:51


    In this Ep, Roy and Robert discuss one of the most debated topics of 2019, Capitalism vs Socialism. Which structure works better? Is Capitalism always exploitative? Does Socialism always result in tyrannical rule? We take our best shot at this crucial topic.

    Our Favorites

    Play Episode Listen Later Apr 24, 2019 72:29


    In this episode, Roy and Robert answers questions from each other regarding their favorite books, movies, kind of music, style choices, career preferences and so forth. Tune in and get to know your favorite Podcast hosts' favorite things!

    实力 VS 资源 ( Meritocracy vs Resources)

    Play Episode Listen Later Apr 16, 2019 90:23


    In this thrilling and bilingual episode, Roy and Robert get into the debate between meritocracy vs resources( capital, connections etc).

    Power of Habits

    Play Episode Listen Later Apr 8, 2019 86:11


    In this episode, Roy and Robert discuss how we, humans are creature of habits and how powerful our habits shape who we are, both good and bad. We also share our own routines in this one as well as the routines of people we admire.

    Problems with Higher Education

    Play Episode Listen Later Mar 27, 2019 94:32


    In EP 15, Robert and Roy dive into the pitfalls of higher education ( College level). We also discuss the potential people have these days to learn outside of classrooms and what the future of education may look like.

    What should a Founder or CEO focus on?

    Play Episode Listen Later Mar 11, 2019 48:26


    In ep14, Roy and Robert discuss various leadership styles in Business, and what the Founder or CEO of a company should be focusing on. They also explore how similar leadership qualities transcend industries, nations, and history.

    Old Money vs New Money

    Play Episode Listen Later Feb 26, 2019 24:28


    In this episode, Roy and Robert discuss the differences and similarities between old money and new money. We also dive into the heart of capitalism, how it works differently in various countries. There's a discussion on social class well.

    只有能挣钱的知识才有用么?

    Play Episode Listen Later Feb 14, 2019 33:58


    -

    The importance of Self Criticism

    Play Episode Listen Later Feb 7, 2019 19:35


    Contrary to mainstream belief, self-encouragements don't always work in our favor. The notion that "You're special" sound all good but isn't always productive. Follow Roy and Robert to dive into the myths of self-empowerment and discover the benefits of self-criticism.

    世界公民

    Play Episode Listen Later Jan 15, 2019 76:03


    Roy和Robert在最新的一集里第一次尝试用中文讨论一个中国人都很关心的话题,毕业后是留美还是回国?由此而衍生到一个更深刻全面的21世纪话题,什么是世界公民?

    Finance Industry and Personal Investments ( How to create wealth over the long term)

    Play Episode Listen Later Jan 8, 2019 88:44


    In this episode, Robert answers questions from Roy regarding the finance industry and how to create long term steady return for personal investments. Financial freedom is what everyone wants in their lives so tune in take a listen!

    Masculinity pt2

    Play Episode Listen Later Dec 19, 2018 65:14


    The part II of our conversation regarding masculinity and the empowerment of men. Welcome our guest Jingwen Liao! She's a PhD Biotech student at UCSD. We are glad to have her on to bring a woman's perspective to our conversation.

    Masculinity pt1

    Play Episode Listen Later Dec 19, 2018 22:56


    This episode Roy and Robert explore the modern-day definition of masculinity and the importance of empowering men. Feel free to join our conversation by leaving a comment below!

    Entrepreneurship: Nature or Nurture?

    Play Episode Listen Later Nov 29, 2018 47:19


    Are entrepreneurs born with traits that most of humanity lacks, or can they be made with the right ingredients in place? In this Episode, we explore this question with our very first guest on the show, Rishi Thomas. Rishi Thomas is a venture partner at Contrary Capital and the president of USC's premier entrepreneurship society - Sigma Eta Pi. He co-founded an online consulting platform for the Indian job market called Qdero during his sophomore year, and the company was incubated at NASSCOM in India. He has also worked with Microsoft Accelerator and Investopad (Founded by two under 30 members) in the past. Rishi has a passion for entrepreneurship and a keen interest in emerging technologies - especially blockchain - and is always willing to engage people in a discussion surrounding society and technological development.

    Avoid victim mindset, Adopt winner mentality

    Play Episode Listen Later Nov 9, 2018 75:52


    This episode talks about the proactive mindsets that allow individuals to thrive, succeed and maximize potentials. "Our deepest fear is not that we are inadequate; Our deepest fear is that we are powerful beyond measure."-Nelson Mandela 正,善,勤 Robert Sr.

    Social Media (Benefits & Pitfalls)

    Play Episode Listen Later Nov 3, 2018 41:12


    This episode, Roy & Robert discussed the role of social media in today's society. How it influences our generation's way of living, thinking and socializing. As always, we try to examine the issues critically and touch on both opportunities and obstacles.

    Delayed Gratification

    Play Episode Listen Later Oct 22, 2018 39:56


    Delayed gratification, or deferred gratification, describes the process that the subject undergoes when the subject resists the temptation of an immediate reward in preference for a later reward.

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