The Higher Standard

What does it take to walk away from a stable career in engineering and build a boutique wealth advisory firm that manages hundreds of millions? In this episode, Chris and Saied sit down with Parsa Vahid, founder of Strand Life, to unpack that exact journey — from cold calls and 100% commission work to becoming the trusted financial strategist for high-net-worth families. Parsa shares how he navigated the pressure of legacy expectations, ditched a career that didn't fit, and leaned into building a firm that handles everything from investments and tax planning to estate structures designed to protect families from, well… their own kids.➡️ This one goes deep into the real mechanics of building wealth — not just for yourself, but for generations. You'll hear candid takes on how most advisors fall short, what red flags to watch out for, and why financial literacy gaps don't magically disappear when you hit seven figures. Whether you're trying to decide when to hire an advisor, how to leave your safe job, or what happens when you leave a windfall to someone wildly unprepared, this episode will make you think — and maybe even rethink your whole plan.

The Fed held rates steady — again — and while that might not sound sexy, it triggered a deep dive into the uncomfortable parallels between today's economy and some of history's most turbulent wartime recessions. Chris and Saied unpack Powell's post-FOMC “dot plot shuffle,” exposing how forward guidance has become a PR game instead of a reliable economic compass. Spoiler: if you think shelter inflation is cooling fast, you're probably still using a 3G data plan.➡️ From Operation Iraqi Freedom to drone-led wars of tomorrow, the guys explore how conflict has become a recession trap — and not the kind that you wan to get stuck in. With unemployment lagging recession signals and AI creeping into defense strategy, the conversation gets heavy, insightful, and just the right amount of unhinged. Plus, if the U.S. government needs a Microsoft BI subscription to speed up their shelter data, Chris offers to cover it himself. That's service.

In this episode of The Higher Standard, we're joined by viral sensation turned courtroom assassin, Farshad Dehbozorgi, Esq. — or as we like to call him, “The Club-to-Courtroom Closer.” We dig into his unlikely journey from viral TikToks and bottle service to bar prep and building a boutique law firm. If you've ever wondered how roasting your wife online could land you a law license, this one's for you.➡️ Chris, Saied, Rajeil and Farshad get real about the grind of content creation, the misconceptions around being a creator, and how law, social media, and outrageous honesty can collide in one man's career. From being mistaken for a nightclub promoter to now negotiating with insurance companies and personal injury clients, Farshad proves that you really can go from “likes” to litigation — if you're bold (and delusional) enough.

Jerome met Trump, Trump yelled "Cut Rates," and Powell clutched his “Data Dependent” sign like a life raft. In this episode, Chris, Saied and Rajeil dissect the political theater behind a rare Oval Office showdown between the Fed Chair and the former President. Spoiler: Jamie Dimon's lurking in the background muttering “I told you so,” and Uncle Elon's possibly staging a PR divorce from Trump just to win back California Tesla buyers. The guys break it all down — from media optics to real economic implications — with sarcasm, stats, and side-eyes.➡️ Plus, the housing market's got more cracks than your uncle's drywall job. A record-breaking gap between sellers and buyers has the guys asking if affordability is even real anymore, or just something we say to feel better. Sprinkle in some hard truths about wage stagnation, a cameo from Saied's son Adam (who steals the show), and a breakdown of why “the American dream” now requires a $300K salary and a therapist. This one hits hard — and hits funny.

In this episode of The Higher Standard, Chris welcomes longtime friend and digital strategist Jeff Fargo into the freshly minted Black Crown Studios—and it's not just a tour, it's a masterclass in podcasting authenticity. The two chop it up over everything from DIY sound treatment and the obsessive details of studio design to how podcasting unexpectedly hijacked both their lives. But don't let the good vibes fool you. Jeff comes with receipts—calling out fake engagement, bought followers, and the darker side of podcasting's growth hacks. If you've ever wondered how to spot a real digital presence from a rented Lambo flex, this one's for you.➡️ But this isn't just a roast session—it's a revealing look into the heart of real content creators. Chris and Jeff break down everything from fatherhood and financial freedom to algorithm secrets and viral hits, like Jeff's 8.3 million–view clip on Vegas strip clubs. You'll hear Jeff drop gems on how to use Social Blade, why brand trust is everything, and why he believes podcast growth is like compound interest. Add in Saied's silent sniper contributions and a whole lot of witty one-liners, and you've got yourself a high-value hangout with two guys who give a damn—and aren't afraid to say it.

In this high-octane episode of The Higher Standard, Chris and Saied officially welcome Rajeil to the show—and initiate him with a healthy dose of sarcasm and button-pushing. They hop right in to Moody's U.S. credit downgrade. What does it mean when Uncle Sam takes a hit to his credit score? It's not just a bad look—it signals rising debt, inflation, and interest payments spiraling out of control. With 30-year mortgage rates back above 7%, the crew dives into why your rate acts more like a moody teenager than a constant, and how the 10-year Treasury is the true puppet master behind housing affordability.➡️ But wait—there's more. Chris explains why your home isn't an investment, it's a utility (no, you can't charge rent to your shower), and why “marry the house, date the rate” is advice best left in 2019. The guys talk taxes and why today's housing market may be the most unaffordable in U.S. history—yes, even worse than 2006. Whether you're scraping by on Top Ramen or flexing your broker's license, this episode delivers a reality check wrapped in a warm tortilla of wit and wisdom.

What happens when you bring Pejman Ghadimi, the man who turned hacking exotic cars into a six-figure side hustle for thousands, onto The Higher Standard? You get a masterclass in how society has sold us a broken narrative about wealth, success, and “playing it safe.” With Saied riding shotgun at the production desk, Chris pulls back the curtain on Pejman's wildly polarizing—but undeniably effective—philosophy that challenges everything you thought you knew about finance, personal growth, and chasing your dreams without going broke. From flipping Ferraris for profit to dismantling the myth of the American Dream, nothing was off-limits in this unfiltered conversation.➡️ Pejman takes us on a journey through his evolution—from broke immigrant to corporate banker, and ultimately to building his own empire teaching everyday people how to turn luxury assets like watches and cars into investment vehicles. Along the way, the guys dive deep into why most people are addicted to being told what to do, why external validation is a prison, and why true freedom comes from taking uncomfortable, messy action. This is the episode that will either make you curious enough to level up—or angry enough to stay exactly where you are. Either way, you've been warned.

You've heard the headlines, but we're here to break down what they really mean for your wallet. In this episode, Warren Buffett officially announces his retirement as CEO of Berkshire Hathaway, Jerome Powell leaves rates untouched (again), and America's GDP takes a nose dive into negative territory. Meanwhile, the media spins, Wall Street panics, and your buddy on Instagram who just discovered ETFs is suddenly an "economic expert." Don't worry, we've got the real story—served fresh, with a side of wit and sarcasm.➡️ But that's not all. We're diving into the housing market that still refuses to correct, student loan garnishments that are coming for your paycheck, and why UPS is laying off 20,000 people after parting ways with Amazon. Oh, and AI is officially eating white-collar jobs for breakfast—so there's that. Grab your favorite overpriced latte, sit back, and let Chris and Saied help you navigate the chaos with facts, jokes, and just enough cynicism to keep it fun. Welcome to The Higher Standard.

Welcome to a milestone episode of The Higher Standard — our final recording in the studio that saw it all: hot takes, financial rants, emotional confessions, and at least one broken mic stand. In this sendoff, Chris and Saied wax poetic (and sarcastic) about the evolution of the show, what it took to build the brand from a neon-lit cave to a next-gen recording fortress, and why growth — both personal and professional — sometimes requires saying goodbye to comfort. If these walls could talk, they'd probably file for workers' comp.➡️ But this isn't just a trip down memory lane. We tackle the uncomfortable realities of volatility in today's markets, the rise of AI's takeover of traditional labor, and how to stay grounded when the ground keeps shifting. It's a mix of tough love, real talk, and a little nostalgia — delivered in our signature style: punchy, unfiltered, and mildly inappropriate. Buckle up. The future is now, and it's got better lighting.

In this episode of The Higher Standard, Chris and Saied take a wrecking ball to the myths of modern homeownership—armed with caffeine, sarcasm, and a well-earned chip on their shoulder. From the Fed's tightrope act to the slow-motion implosion of consumer confidence, they unpack the real estate market's latest mood swings, including a 5.9% drop in existing home sales and why homebuilder incentives might not be the golden ticket they appear to be. Whether it's mortgage points, ARMs, or the lock-in effect, the guys explain how debt, equity, and psychology are shaping a volatile new paradigm for aspiring homeowners.➡️ But wait—this isn't just economic therapy. It's also gym confessions, cold plunges, burrito-based diet plans, and a hard truth: you're probably not timing the market better than Warren Buffett. The duo dives into the dangers of being house poor, why your credit score isn't as accurate as you think, and why buying a home should be more about life fit than market timing. If you've ever wondered whether intermittent fasting, lifting routines, and homeownership prep could be discussed in the same breath, buckle up. This is The Higher Standard—where financial literacy meets real-life chaos and a lot of unsolicited fitness advice.

Jerome Powell might be the only man in America who can tank the stock market and calm it down—all in the same sentence. In this episode, Chris and Saied break down Powell's most recent cryptic speech (complete with purple tie and Fed-speak flair) and explain why the central bank is stalling like your friend who won't define the relationship. With tariffs looming like a bad sequel and markets reacting like it's a rollercoaster sponsored by Dramamine, the guys dive into the real question: Is this a dip… or just indigestion?➡️ Meanwhile, Nvidia is catching strays, Netflix is crushing it in a recession (because apparently we all just want to binge and cry), and retail sales are peaking like everyone rushed to buy a car before the tariff guillotine drops. Throw in a McLaren parked in general population, some spicy banter about floppy-wrist jump shots, and a side of Zaddy Zandi recession forecasts, and you've got an episode that's equal parts economic insight and comedy gold. Pull up, pour a cold brew, and don't forget your gooseneck.

With the market in full-blown tantrum mode—thanks to headline whiplash over tariffs, Fed drama, and bond sell-offs—we decided it was time to do the unthinkable: relax. That's right. This week, your favorite duo dials back the financial fear porn to take a breather from the endless stream of doomsday news. Don't worry, we still dissect what happened in the markets, how Treasury yields spiked like your heart rate reading economic headlines, and why even Jerome Powell might be asking for a mental health day. But we also peel back the curtain a bit on how we cope with it all, why taking a step back can be the smartest move you make, and how to avoid becoming another casualty of financial anxiety.➡️ This one isn't about panic—it's about perspective. We break down what's real, what's performative, and why everyone suddenly thinks they're an expert on the VIX. Plus, Chris has a few spicy thoughts on media overreach and Saied waxes poetic about cortisol (again). If you're looking for a much-needed reset with just enough macro to keep your edge—this episode is your serotonin shot with a side of smarts.

Chris Naghibi and Saied Omar toss aside their planned topics faster than a politician dodging a question to tackle the economic grenade President Trump just lobbed: tariffs. And not just any tariffs—reciprocal tariffs with the subtlety of a wrecking ball. With import taxes soaring as high as 49%, countries like China, India, and the EU are basically being told, “Nice try, but America first.” As global markets went into panic mode, futures took a nosedive, and investors clutched their portfolios like toddlers clinging to their blankies.➡️ But fear not—Chris and Saied break it all down with historical flair (hello, Smoot-Hawley), modern spice, and a side of "WTF just happened to the stock market?" They explore the ripple effects on jobs, car prices (RIP affordable Jeeps), and even what this might mean for that imported espresso machine you were eyeing. If you've ever wondered how tariffs could impact your wallet, your 401(k), and your stress levels all at once, this episode delivers answers with wit, wisdom, and the economic sass you never knew you needed.

What do a $500 billion Apple flex, Trump's economic record, and your second job all have in common? They're all part of the weird, wild economic moment we're living in—and the guys are breaking it down. Chris and Saied take a sharp, funny, and occasionally savage look at how big companies are hedging political bets, what Trump actually did for the economy, and why more Americans are clocking in after hours just to keep up.➡️ From Elon stirring the pot to AI's role in job-hopping, we unpack what's real, what's media spin, and what it all means for your wallet. And if you're wondering whether taking on a side hustle makes you part of a larger economic trend or just a burnout statistic—yeah, we've got thoughts on that too. This is The Higher Standard, and we're not pulling punches.

If the CEO of Dollar General starts talking like Jerome Powell, it might be time to check your emergency fund. In this episode, Chris and Saied dive headfirst into the weird intersection of retail earnings calls and central bank policy. Spoiler alert: both are saying the same thing — the consumer is tapped out. From February's disappointing 0.2% bump in retail sales to Walmart's CFO basically whispering, "We're screwed", the guys break down why Americans are spending less, stressing more, and maybe reconsidering that $7 oat milk latte.➡️ We also unpack a haunting chart from Bravos Research that only shows up before market crashes (yay!) and revisit the growing wealth gap with Kathryn Anne Edwards' spicy reminder that 154,000 households now earn more than the bottom 77 million. Oh, and mortgage applications? At 30-year lows. But sure, the economy's totally fine. With their signature blend of brutal honesty and sarcastic charm, Chris and Saied connect the dots between inflation fatigue, consumer psychology, and why this might just be the moment to stop pretending everything's “resilient.”

Brace yourselves—this episode is a rollercoaster of wit, wisdom, and a little bit of economic doom. Chris and Saied break down the most contentious topic in finance right now: tariffs. Are they a necessary economic weapon or a sneaky tax on the everyday American? The guys cut through the noise with a no-nonsense breakdown of how these new tariffs on China, Canada, and Mexico are set to shake up prices on everything from your morning avocado toast to the car you (maybe) planned to buy next year. They also take a moment to reflect on their own economic genius—because when you call stagflation a year and a half ahead of time, you deserve some flowers. ➡️ But it's not just economic policy that gets roasted today—Best Buy, Target, and even fresh produce take a hit as the hosts connect the dots between trade wars, inflation, and your dwindling savings account. From the absurdity of avocado pricing to the hidden costs of an iPhone made in China, this episode peels back the layers of financial jargon to show you how these decisions will hit your wallet, your weekend grocery run, and possibly even your job. Oh, and if you thought guacamole was overpriced before, just wait.

In this episode of The Higher Standard, Chris and Saied take a wild ride through financial headlines, questionable government efficiency, and the enigma that is Warren Buffett's ever-growing cash pile. From the SEC's scathing dismissal of meme coins to Elon Musk demanding his employees justify their existence via email, no topic is safe from their razor-sharp commentary. The duo unpacks why the housing market remains stuck in limbo despite lower mortgage rates, and they throw in a little existential dread about government overspending just to keep things interesting. And if you've ever wondered why your health insurance costs an arm and a leg despite your tax dollars funding it, this episode might leave you with more questions than answers.➡️ But don't worry, it's not all doom and gloom—Chris and Saied keep the laughs coming, whether it's dissecting the latest crypto meltdown, debating whether a $5 million "gold card" green card is the ultimate immigration hustle, or reminiscing about their younger, broker days. Plus, they drop a hint about the new studio space and the long-awaited return of guest interviews. If you love unfiltered financial takes, economic deep dives, and a little bit of chaos, this is an episode you don't want to miss.

Chris and Saied break down the ever-misleading jobs report, exposing its flaws as a lagging indicator that fuels misguided Fed decisions. They reveal why unemployment figures don't tell the full story—especially when they ignore discouraged workers and the rise of multiple job holders struggling to keep up. And if you're a government worker in D.C., brace yourself—layoffs are coming. The duo also tackles housing market hysteria, debunking the doomsday headlines with hard data. ➡️ Then, Uncle Jamie (Dimon, that is) drops some *spicy* leaked audio, slamming remote work as an efficiency killer. Is this about productivity, or just a clever way to push employees out? Chris and Saied weigh in. And in classic Higher Standard style, they wrap up with a deep dive into workplace dissatisfaction, hybrid work struggles, and why your mindset might be the biggest factor in your job satisfaction.

This week, Chris and Saied tackle the latest inflation print that came in hotter than a tiger del fuego—and yes, that's the official economic term now. With prices climbing for consumer staples like eggs (who knew you should've invested in chickens?), we dissect what this means for rate cuts, the Fed's next move, and whether we'll all just resort to eating cardboard to save money. And if you thought the government was on top of things, think again—because even regulators are scratching their heads over the latest CFPB drama. A federal agency created to protect consumers is basically getting ghosted by Washington, and let's just say… crypto bros are very excited about this development.➡️ But wait, there's more! We break down the absurdity of credit card interest rates, why Home Alone 2's Plaza Hotel suite now costs more than a used car, and the potential impact of Elon Musk's secret Visa deal. Plus, Saied relives a scandalous youth basketball championship game that involved bad reffing, technical fouls, and one very dramatic post-game car ride. Oh, and Chris is still bleeding money on his studio construction—send thoughts, prayers, and five-star reviews.

In this mind-expanding episode of The Higher Standard, Chris and Saied take a detour from their usual financial deep dives to expose the sinister underbelly of human decision-making. Turns out, the economy isn't broken—our brains are. From Robert Shiller's Narrative Economics to Jonathan Haidt's The Anxious Generation, the duo unpacks how financial markets, political ideologies, and your everyday spending habits are more influenced by viral stories and social media hysteria than by any rational thought process. Long story, short: You're probably not making financial decisions—you're reacting to the subconscious cues planted in your head by algorithms, dopamine hits, and good old-fashioned tribalism.➡️ And just when you thought you were in control, they hit you with The Chaos Machine by Max Fisher, a book that details how social media isn't just ruining dinner-table conversations—it's actively rewiring your brain for extremism and anxiety. From doomscrolling mortgage rate headlines to being emotionally blackmailed into buying gold, Chris and Saied reveal that the only way to escape the manipulation matrix is to step back, slow down, and—dare we say—think. But hey, no pressure! If you'd rather stay plugged into the fear factory, there's always another viral headline waiting to tell you the economy is collapsing.

Strap in, folks! This episode of The Higher Standard dives into the mind-bending world of quantum computing, where traditional computers look like toddlers trying to do calculus compared to these futuristic behemoths. Chris and Saied break down how these machines are poised to change finance, security, and possibly the way your toaster thinks about bread. They also take a moment to discuss actual science before spiraling into side rants about social media trolls, the American dream, and why nobody really understands what venture capitalists do. Spoiler alert: It involves a lot of money and just the right amount of arrogance.➡️ Of course, it wouldn't be The Higher Standard without a healthy dose of banter. Saied gets existential about how much control private equity really has over the economy, while Chris exposes his deep-seated frustration with home prices and tax loopholes. They also take a moment to roast each other over everything from past financial missteps to the secret lives of CEOs who think they're rich but are actually just playing in the minor leagues. Oh, and if you've ever wondered whether a broom by the front door is just "decorative" or a sign that witchcraft is officially taking over the household—Saied has some thoughts. Tune in for a hilarious, informative deep dive into the future of computing and the financial chaos of today.

The Jeff Goldbum of podcasting, Chris Naghibi, and the Louie Anderson of podcasting, Saied Omar, are back, and this time they're tackling the economy with unfocused and unstructured charm. Starting with a light-hearted critique of Chris' newfound love for wearing green—a strategy he swears is to win favor at home but admits has been a complete flop. From there, the duo launches into the harsh realities of wage stagnation and rising home prices, painting a vivid picture of how even modest salary increases are devoured by the ever-growing beast of inflation. They break down why the average American is essentially on a financial hamster wheel, running faster but getting nowhere.➡️ Amid the numbers and economic analysis, Chris and Saied keep it relatable with personal anecdotes, like Chris recounting his transition from being overly sensitive to criticism to leaning into the jokes—a move that's made life a lot more enjoyable (even if Saied insists he still hasn't fully let go). The conversation turns to actionable advice, encouraging listeners to take charge of their financial futures by stepping out of their comfort zones and treating financial growth like fitness: intimidating at first, but life-changing with consistency. If you've ever wanted a masterclass in turning financial stress into a strategy, this episode is your comedic and educational golden ticket.

In this episode of The Higher Standard, Chris and Saied embark on a laugh-out-loud journey into the brave new world of artificial intelligence, quantum computing, and why you might want to rethink your TikTok algorithm. From discussing how AI is turning banks into crystal ball-wielding financial wizards to debating whether robots will steal your job (spoiler: they're coming for the lawyers first), it's a rollercoaster of insight and hilarity. Oh, and if you think your browsing history is private, think again. AI is watching, and it knows you binge-watched that prison cooking channel.➡️ But wait, there's more! Dive into the existential crises caused by quantum computing tapping into other dimensions (yes, really) and the terrifying potential of AI deciding which car accident is “best” for your family. If that doesn't keep you up at night, maybe the realization that your digital assistant knows your buying habits better than you do will. Tune in for all this, plus shocking revelations about how AI is creating, saving, and possibly obliterating jobs across industries. And remember, your data is the product, folks—don't let the chatbots tell you otherwise!

In this episode of The Higher Standard, Chris and Saied tackle the growing emotional toll of money management and the chaos of California's insurance market. Against the backdrop of the devastating Los Angeles fires, they unpack how insurers are fleeing high-risk areas, leaving homeowners with overpriced, bare-bones policies like the California Fair Plan. With homes underinsured and rebuilding costs skyrocketing, the financial stress for affected residents is a wildfire of its own.➡️ But it's not all doom and gloom! Chris and Saied bring their signature wit to dissect the psychology of money stress, sharing practical strategies to stop freaking out about your finances and start taking control. From reevaluating your beliefs about money to understanding how your childhood shaped your spending habits, they keep it real and relatable. Whether you're overwhelmed by rising costs or just tired of flex culture on social media, this episode offers a roadmap to finding clarity and a little peace of mind.

Happy New Year! In this special year-end episode, Chris and Saied dive deep into the wild ride that was 2024, recapping the economy quarter by quarter with their signature mix of insight and banter. From the "pensive" start of the year where the Fed played cat-and-mouse with rate cuts to the real estate market's affordability crisis and the Magnificent Seven's domination of Wall Street, this episode is packed with more twists and turns than a rollercoaster at an abandoned theme park. Whether it's debating AI's transformative potential, lamenting high mortgage rates, or pointing out the "Jersey Shore" dynamics of the Federal Reserve, Chris and Saied break it all down with wit, wisdom, and the occasional mocktail reference.➡️ As they toast to a new year (mocktail in hand), the duo doesn't shy away from discussing the highs and lows of 2024, from soaring office vacancies to spiraling service costs. And as tradition dictates, they leave you with a little financial humor to ring in 2025: "Remember, folks, economic resolutions are like gym memberships—great in theory, but it's the follow-through that counts! Stay sharp, stay savvy, and don't let inflation shrink your New Year's champagne budget." Here's to another year of keeping it real, financial nerds. Cheers!

In this episode, Chris and Saied break down the Federal Reserve's latest rate cut, and let's just say, it's got everyone—from Wall Street to your wallet—feeling some kind of way. With a 25 basis point cut to the Fed Funds rate, inflation still refusing to play nice, and the bond market throwing a full-on tantrum, it's clear: the Fed's decisions are anything but boring. Oh, and don't miss Chris's hot take on how housing affordability has officially hit “you-can't-make-this-up” levels of absurdity. Spoiler alert: the 10-year Treasury and your dreams of a lower mortgage rate aren't on speaking terms.➡️ From the VIX spiking a jaw-dropping 74% to why shrinkflation has you paying more for less Doritos, the duo dives into why markets have gone wild. Is the Fed's “data dependency” just another way of saying “we're winging it”? And what does this all mean for you, dear listener? Whether you're a seasoned investor or someone just trying to figure out why eggs are still so damn expensive, Chris and Saied deliver insights with their signature blend of smarts and sass. Tune in for all the juicy details, and remember, it's not the size of the rate cut—it's how you use it!

You know what they say – the first $100,000 is the hardest, and it feels like scaling Mount Everest in flip-flops. In this episode of *The Higher Standard*, Chris and Saied unpack why breaking that six-figure milestone is such a struggle and how even Charlie Munger (RIP) called it a "b*tch." But once you hit that $100K, things start compounding faster than your excuses for skipping leg day. It's like flipping a switch to rocket toward $1 million – or so we tell ourselves between sweet cream nitros and existential dread.➡️ The boys also explore childhood money habits that might be sabotaging your wallet and dive into the *Case Shiller Index* to understand the warning signs of recessionary bubbles. From historical asset crashes to the 2008 housing crisis, they highlight why economic indicators are more than just fancy graphs. Saied's expressions are priceless – equal parts shock, dread, and "I need a drink." So buckle up, hit play, and see if you're on a path to wealth or just another bubble waiting to burst. Smash that like button, ring the bell, and remember: the road to wealth is paved with memes, mindset shifts, and maybe a little less avocado toast.

Buckle up, folks—it's a wild week for the economy, and The Higher Standard crew is here to navigate the chaos so you don't have to. Chris and Saied tackle the avalanche of data from the ISM, JOLTS, and the much - anticipated Jobs Report. (Haroon is still out on paternity leave.) Will these numbers flex harder than a bodybuilder at the beach, or are cracks starting to show? And don't worry, Fed Chair Powell made sure to sprinkle some cryptic wisdom into the mix, like a monetary-policy Gandalf reminding us that "You shall not politicize!"➡️ Meanwhile, the housing market predictions for 2025 are wilder than a Florida hurricane forecast. With Sun Belt cities building apartments like they're going out of style, rents are dropping faster than your self-esteem at an open mic night. And the predictions? They range from Apollo's optimistic “We're all gonna be rich!” +10.8% to Moody's pessimistic “Yeah, no” at -0.4%. Which regions will boom, and where will your real estate dreams get a reality check? Tune in to get the laughs, the insights, and maybe a crystal ball for 2025!

The American Dream is increasingly being questioned as financial challenges mount for many Americans. With 84% of the population believing it's a bad time to buy a home, the podcast dives into the shocking statistics surrounding homeownership costs, credit card debt, and the soaring rejection rates for loans. ➡️ Hosts Saied and Chris share their candid thoughts on the current economic landscape, including the burdens of rising prices and stagnant wages. As they navigate the complexities of the housing market and consumer debt, they highlight the importance of financial literacy in these turbulent times. Join them for a sexy yet insightful conversation that blends laughter with valuable lessons on navigating today's economy.

In this episode, hosts Chris, Saied, and Haroon tackle the behemoth that is U.S. government spending. With deficits skyrocketing 287% year-over-year and the national debt now exceeding $33 trillion, the hosts break down how this level of fiscal mismanagement impacts everything from mortgage rates to Social Security. They also delve into Elon Musk and Vivek Ramaswamy's bold new roles in the Department of Government Efficiency, dissecting what their proposed agency cuts mean for the average American. Spoiler: The Department of Education and IRS might be on the chopping block.➡️ As always, the conversation is packed with sharp humor and insightful analysis. Whether you're intrigued by the $250 billion deficit balloon in just one month, or curious about how Treasury bond issuance influences your car loan, this episode has you covered. By the end, you'll have a deeper understanding of why "balancing the budget" isn't just a catchy slogan—it's a necessity. Plus, a sprinkle of conspiracy theories and Musk's Dogecoin-inspired department name makes this one a must-listen.

The average age of U.S. homebuyers has soared to 56, proving that owning a home now requires both age and a level of patience previously reserved for waiting in line at the DMV. Saied, Chris, and Haroon hilariously dissect this trend, blaming skyrocketing home prices, nosebleed mortgage rates, and a painfully thin housing inventory for forcing younger buyers to stay on the sidelines—or back in their parents' basements.➡️ With a cocktail of sharp humor and real talk, the hosts unpack how these shifts impact everything from family planning to the American Dream itself (spoiler: it's expensive). They also debate whether "strategic investing" is just code for "hope and prayer" in this market. Tune in as they turn these bleak economic trends into laughs while giving you the lowdown on navigating the financial jungle without losing your sanity—or your sense of humor.

As the U.S. approaches Election Day on November 5th, the trio dives deep into the intersection of politics and economics, exploring how election outcomes could impact the market and your wallet. With rising anxiety reflected in the VIX index, your hosts discuss the historical volatility seen during previous elections, particularly in 2008 and 2020, and how this year's political climate feels different yet uncertain. They dissect the implications of potential policy shifts and the Fed's monetary strategies, all while keeping the conversation light and humorous.➡️ Anecdotes and witty banter interlace the serious discussions, making complex financial concepts more relatable. Join Saied, Chris, and Haroon as they navigate these critical topics with their signature blend of insight and levity, ensuring you're informed and entertained as you head to the polls.

In this episode of The Higher Standard, Chris and Saied take the stage as a dynamic duo, flying solo without their third musketeer, Haroon, who's off on PTO (probably in a pickleball tournament or hiding from the Fed). With no one to keep them in check, the two dive headfirst into a whirlwind of financial insights, market predictions, and why the MAG 7 tech giants are carrying the S&P 500 on their backs like Atlas — except Tesla, whose latest earnings had investors buzzing despite mixed results. It's a "two wise men" operation this week, and things get as real as inflation at a gas pump on payday. ➡️ Chris and Saied break down the love-hate relationship between the markets and the Fed — one's bullish, the other's just a buzzkill. They riff on whether inflation is here to stay, question if we're headed for stagflation, and poke fun at economists trying to predict a recession like it's the weather. Along the way, they tackle rising insurance premiums, paycheck-to-paycheck living, and the surreal cost of burritos ($46 for breakfast?!). With humor, hard-hitting insights, and a few Monopoly references thrown in for good measure, this episode is a wild ride through the tangled mess of today's economy.

Consumers might have to wait two to three years for their perceptions of inflation to normalize, as highlighted by Fed's Daly, leaving many still wincing at higher prices. Meanwhile, falling home prices are causing significant distress, particularly in ten states where mortgage balances now exceed property values. ➡️ Episode 252 of The Higher Standard podcast dives into the alarming drop in US mortgage applications, which saw a 17% decrease—the largest since April 2020—along with potential benefits for homeowners in certain cities as interest rates tumble. The discussion also covers the anxiety surrounding credit card debt among Americans and JPMorgan's new strategy to attract affluent clients with enticing branch experiences. Wrapping up, Chris, Saied and Haroon tackle why so many companies are firing Gen-Z employees, emphasizing a disconnect between workplace expectations and work ethic in today's job market.

The hosts take a hilarious trip down memory lane, reminiscing about the good old days of AIM (AOL Instant Messenger). They crack up over their embarrassingly bad usernames—ones that should probably never see the light of day again. You know that cringe-worthy online persona you thought was behind you? Turns out, it never really leaves! They dive into how their AIM alter-egos might still be haunting their present-day selves, proving once again that the internet never forgets. It's a delightful mix of awkward nostalgia and a gentle reminder of how those early days of the internet shaped us all.➡️ But it's not all goofy usernames and AIM nostalgia. The conversation gets deeper (but still funny!) when they tackle how social media has made us all professional curators of our own lives. The hosts poke fun at the gap between the online versions of ourselves and the real deal, dropping truth bombs about authenticity and how everyone's just trying to “fit in” online. And just when you think things couldn't get more entertaining, they throw in some absurd ideas about modern marketing, suggesting brands take on the wild task of marketing to the homeless. It's a genius blend of sharp social commentary and laugh-out-loud moments that'll keep you thinking—and chuckling—long after the episode's over.

The 250th episode of The Higher Standard podcast marks a significant milestone packed with our unique style of humor and engaging discussions on financial literacy. Hosts Chris, Saied, and Haroon navigate the complexities of budgeting and personal finance with an entertaining twist. They delve into the nitty-gritty of establishing a payday routine, breaking it down into digestible segments for their audience. The conversation emphasizes the importance of a 60/30/10 budgeting rule, where 60% of income is allocated to essentials, 30% to savings, and 10% to discretionary spending. ➡️ Chris and Saied share their personal experiences, illustrating how small daily habits, like enjoying a morning coffee, can contribute to overall financial well-being. The episode captures the essence of making finance relatable and fun while equipping listeners with actionable strategies to improve their monetary management. Additionally, the episode features a lively segment discussing the ramifications of the recent port strike, highlighting its potential impact on the economy and consumer prices. With witty banter and insightful commentary, your favorite anti-economist hosts create a lighthearted atmosphere, making financial literacy feel accessible and engaging for everyone.

Chris takes the helm for episode 249 of The Higher Standard podcast, delivering an insightful solo deep dive into the economic landscape. The episode kicks off by addressing the Federal Reserve's unexpected 50 basis point rate cut and its implications for the U.S. economy, drawing parallels to previous cuts in 2001 and 2007 that preceded recessions. ➡️ With a focus on the housing market, Chris unpacks the complexities of mortgage rates, home prices, and why current market conditions make rental property investments less profitable. He also delves into the intricacies of bond market reactions, providing listeners with a comprehensive understanding of the current financial climate and what it may mean for the future.

Episode 248 of The Higher Standard is here and Saied, Chris and Haroon break down the key takeaways from the Fed's decision to cut a full 50bps for its first rate cut of the cycle. The last two times this happened historically was in 2001 and 2007. After each of those was a notable recessionary economy. ➡️ Real estate agents are also dropping like flies already, falling to the lowest number of reported employed agents since 2014. Almost as shocking is that the 23andMe CEO Anne Wojicicki has lost her entire board of directors in a single day. Lastly, as tragic as the Diddy situation may be, you know they guys had to unpack it and cover some of the absolutely stunning and strange revelations.

In episode 247 of The Higher Standard, Saied, Chris and Haroon dive deep into a lighthearted discussion about the unexpected appearance of cockroaches in their studio. As they transition into the financial content, the team tackles a listener question on how to find the best real estate agent. And of course they had to cover the guaranteed rate cut happening this week when the FOMC announces their decision on Wednesday, September 18th. ➡️ The second half of the episode shifts gears with a robust debate about LeBron James and his impact on the economy, comparing his legacy to other sports icons like Tom Brady. They also touch on pop culture, covering everything from the Bad Boys movie franchise to Jackie Chan's unique quirks.

In this episode of The Higher Standard, your charming hosts Chris, Saied, and Haroon dive deep into the habits that might be holding you back from financial freedom, inspired by Humphrey Yang's insightful YouTube video “The Middle Class Habits Keeping You in the Rat Race.” The trio dissects the habits that seem harmless but might be chaining you to mediocrity, and they share their own witty takes on breaking free and creating real wealth. Get ready for some laughs, real-talk advice, and actionable steps to escape the rat race for good. Spoiler: It's not just about skipping that morning latte!➡️ Expect a dynamic conversation that balances humor and depth, with takeaways like the importance of investing in yourself, mastering delayed gratification, and rethinking the way you approach money management. Whether you're just starting your financial journey or a seasoned pro, there's something in here for everyone — and as always, it's delivered with the signature banter that keeps you coming back.

In episode 245 of The Higher Standard podcast, Chris, Saied, and Haroon dive into the latest market-moving headlines. They start with a bombshell from Jerome Powell, who finally hints that the Fed might cut interest rates. But before you get too excited, they break down why rate cuts tied to a looming recession might spell trouble for your stock portfolio. The hosts then shift gears to the housing market, discussing how U.S. home prices have hit a record high, making it tougher than ever to afford your dream home.➡️ And if that wasn't enough, they expose some jaw-dropping admissions from Mark Zuckerberg that could change the way you see Big Tech. Lastly, they take a fascinating detour into the lucrative (and risky) world of professional whistleblowing—spoiler alert: you can make millions if you play your cards right!

In this episode of The Higher Standard podcast, Chris, Saied, and Haroon dive into the timeless lessons of Robert Kiyosaki's "Rich Dad, Poor Dad," reflecting on the book's enduring insights into wealth-building strategies. While they acknowledge the value of its principles, the hosts candidly express their mixed feelings about Kiyosaki's modern-day social media persona, suggesting that his transformation might have taken some of the shine off his original teachings.➡️ The conversation then shifts gears to current events, where the trio tackles the latest Bureau of Labor Statistics data, followed by a deep dive into the startling news that the U.S. economy created 818,000 fewer jobs than initially reported. They discuss the implications of this revision, including the Fed confronting the reality of potentially losing up to a million jobs in their forecast. On a lighter note, the hosts sprinkle in some pop culture commentary, from Ashanti and Nelly's baby news to the potential $550 million fallout from a rumored Jennifer Lopez and Ben Affleck divorce, and even a nod to Lil Jon's surprise appearance at the DNC. As always, Chris, Saied, and Haroon deliver sharp insights with their signature wit.

In episode 243 of The Higher Standard podcast, hosts Chris, Saied, and Haroon dive headfirst into the world of social media financial influencers, giving a no-holds-barred critique of those you should avoid at all costs. They call out big names like Grant Cardone, Pace Morby, Kris Krohn, Luke Belmar, Albert Preciado and more.➡️ As the conversation shifts gears, the hosts tackle some of the hottest financial news floating around Instagram. They break down the cooling inflation rates, the credit card debt that's soaring to dizzying heights, and Starbucks' bold move of poaching Chipotle's CEO like it's a new menu item. It wouldn't be The Higher Standard without a little pop culture flair, the hosts wrap up with a whirlwind tour through the latest celebrity news and jaw-dropping headlines—from Adele's engagement to Rich Paul to Tom Cruise's Olympic-sized stunt planning.

The stock market's recent nose dive has everyone buzzing, and The Higher Standard crew is here to break it all down. Chris, Saied, and Haroon dig into the fleeting positivity of the 2Y/10Y spread—did it really mean anything, or was it just a tease? Meanwhile, Dave Ramsey's relentless “buy, buy, buy” mantra gets a skeptical side-eye as the hosts question whether it's time to pump the brakes instead of the gas.➡️ As if things weren't shaky enough, U.S. credit card debt hits a staggering $1.14 trillion, and job growth falls way short of expectations. With unemployment creeping up to 4.3%, the guys explore whether we're headed for a full-blown recession or just a rough patch. Buckle up—this episode is a wild ride through the latest financial turbulence.

Getting rich can happen a lot of different ways, but very few instances are quick or by chance. Most people build wealth over time by following the principles that Chris, Saied and Haroon lay out for you at the top of episode 241 of The Higher Standard podcast.➡️ But don't stop there, the boys jump in to all the financial information you need to know in order to stay abreast of what is going on in the economy. The only other thing they can do to make it easier to build wealth is just give you the money.

We get it. Some times on The Higher Standard podcast we throw around a lot of financial terms that not everyone is familiar with. Chris, Saied and Haroon aim to fix that, in part, by practically defining a lot of financial terms for you that you didn't know you needed to know in episode 240 of the show.➡️ From balance sheets to high yield savings accounts. From securities to bonds. From EPS to P/E ratios. We got you covered.

Episode 239 of The Higher Standard podcast starts off with Chris, Saied and Haroon diving in to some of the top financial mistakes people make. Some of these may sound basic or simple, but you would be shocked at how many people are impacted by these problems every single day.➡️ For the second segment of the show, the boys go deep on the first strong probability of a Fed Funds rate cut. See, we told you that we don't only bring you bad news.

In this jam-packed episode of The Higher Standard, Chris, Saied, and Haroon dive headfirst into the fiery debate of 529 plans versus brokerage accounts for kids. With Chris hilariously comparing brokerage accounts to the wild west and Haroon trying to make 529 plans sound as exciting as a superhero origin story, this segment is both informative and entertaining. ➡️ And just when you thought things couldn't get crazier, Saied drops the bombshell that US bankruptcies have hit their highest level in 14 years. It's the perfect mix of financial advice and economic drama you didn't know you needed. Don't miss this rollercoaster of an episode that turns financial turmoil into pure podcast gold.