Podcasts about Betterment

Growth mindset sounds simple until life, leadership, relationships, and fear put it to the test. Nikki and David get real about the difference between believing in growth and actually practicing it when failure, criticism, comfort zones, and self-doubt show up. Together, they unpack how fixed mindsets sneak into finances, relationships, leadership, goals, and even the way we talk to ourselves. From embracing failure as a teacher to surrounding yourself with people who challenge you, Nikki and David share practical ways to sharpen your mindset, lead others toward growth, and stop letting fear of judgment drive the story. This conversation is a powerful reminder that you only get one shot, so you might as well bet on yourself.   Additional Resources: Follow Addicted to Betterment wherever you listen to podcasts! Connect with Nikki on LinkedIn Connect with David on LinkedIn Watch Gut + Science (and more) on YouTube! Connect with Nikki on LinkedIn Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Key Takeaways: Growth requires leaving your comfort zone. Failure is feedback, not final. Self-talk shapes your growth mindset. Critics reveal where confidence needs strengthening. Supportive people help you level up.  

What happens when you've been sprayed nine times in the face by a skunk? Part 2 with Mephitologist Dr. Jerry Dragoo answers that question. Also on the agenda: pet skunks, lavender skunks, skunk family planning, Pepe Le Pew on trial, why some of us enjoy the stench, how to handle a skunk approach, if skunks can smell themselves, and the very bizarre circumstances by which this guest first rose to international skunk fame. Also: the proper way to watch a skunk. Check out the Dragoo Institute for the Betterment of Skunks and Skunk Reputations A donation went to Friends of Big Bear Valley “We Meet At Last” skunk shirt by jbstink.com More episode sources and links Other episodes you may enjoy: Zoohoplology (ANIMAL DEFENSES), Procyonology (RACCOONS), Sciuridology (SQUIRRELS), Lutrinology (OTTERS), Mammalogy (MAMMALS), Road Ecology (ROAD KILL), Discard Anthropology (GARBAGE), Indigenous Fashionology (NATIVE CLOTHING), Literary Olfactology (THE POLITICS OF SMELL), Disgustology (REPULSION TO GROSS STUFF), Meteorology (WEATHER & CLIMATE) 400+ Ologies episodes sorted by topic Smologies (short, classroom-safe) episodes Sponsors of Ologies Transcripts and bleeped episodes Become a patron of Ologies for as little as a buck a month OlogiesMerch.com has hats, shirts, hoodies, totes! Follow Ologies on Instagram and Bluesky Follow Alie Ward on Instagram and TikTok Editing by Mercedes Maitland of Maitland Audio Productions and Jake Chaffee Managing Director: Susan Hale Scheduling Producer: Noel Dilworth Transcripts by Aveline Malek  Website by Kelly R. Dwyer Theme song by Nick Thorburn Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan.  Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices.  He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage.  Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning.  Episode Page: GetRichEducation.com/620 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education.   Keith Weinhold  0:29   What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower.   Keith Weinhold  4:02   Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim.    Hayden Weston  5:19   The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent.   Keith Weinhold  6:02   A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it?   Keith Weinhold  7:54   The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming.   Keith Weinhold  9:32   Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more.   Keith Weinhold  11:39   You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts.   Keith Weinhold  15:00   Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Keith Weinhold  17:22   Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing.   Keith Weinhold  20:46   I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  21:23   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Robert Kiyosaki  22:26   This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man.   Keith Weinhold  22:47   Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds.   Keith Weinhold  25:11   It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible.   Keith Weinhold  26:58   Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment.   Keith Weinhold  28:09   Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation.   Keith Weinhold  30:59   Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code.   Keith Weinhold  33:41   Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live.   Keith Weinhold  36:46   The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can.    Keith Weinhold  38:24   That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not.   Keith Weinhold  39:34   But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific.   Keith Weinhold  42:23   Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  44:14   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  44:42   The preceding program was brought to you by your home for wealth building. getricheducation.com.

It's here. SKUNKS. My dream guest, Dr. Jerry Dragoo of the Institute for the Betterment of Skunks and Skunk Reputations is finally on Ologies, and I can barely contain myself. Come to Albuquerque to meet this Mephitological legend. In this very special and precious 2-part series, we'll explore tiny baby skunks, spotted ones, cartoon skunks, skunk spray remedies, skunks and astronauts, how to get sprayed by a skunk, how *not* to get sprayed, what skunk spray tastes like, how much it costs to purchase, how their populations are doing, skunks vs. snakes, who eats skunks, island skunks, rehabbing skunks, pet skunks, actress skunks, mating trivia, and so much more. Also: the nipples you never want to meet.  Check out the Dragoo Institute for the Betterment of Skunks and Skunk Reputations A donation went to Friends of Big Bear Valley “We Meet At Last” skunk shirt by jbstink.com More episode sources and links Other episodes you may enjoy: Zoohoplology (ANIMAL DEFENSES), Procyonology (RACCOONS), Sciuridology (SQUIRRELS), Lutrinology (OTTERS), Mammalogy (MAMMALS), Road Ecology (ROAD KILL), Discard Anthropology (GARBAGE), Indigenous Fashionology (NATIVE CLOTHING), Literary Olfactology (THE POLITICS OF SMELL), Disgustology (REPULSION TO GROSS STUFF) 400+ Ologies episodes sorted by topic Smologies (short, classroom-safe) episodes Sponsors of Ologies Transcripts and bleeped episodes Become a patron of Ologies for as little as a buck a month OlogiesMerch.com has hats, shirts, hoodies, totes! Follow Ologies on Instagram and Bluesky Follow Alie Ward on Instagram and TikTok Editing by Mercedes Maitland of Maitland Audio Productions and Jake Chaffee Managing Director: Susan Hale Scheduling Producer: Noel Dilworth Transcripts by Aveline Malek  Website by Kelly R. Dwyer Theme song by Nick Thorburn Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When the world feels divided and overwhelming, how do we lead well? David sits down with Katie Donovan, CEO of CAMP Digital, for an honest conversation about navigating fear, tension, and uncertainty in real time. No politics. No sides. Just a focus on people. Katie shares what it's like leading 80 employees through emotional highs and lows, creating space for disagreement without dehumanizing each other, and choosing small acts of care that ripple outward. Together, they explore how grounding yourself, reaching out, and leading with love can transform your corner of the world. If you've felt unsure how to show up lately, this conversation will remind you that compassion is still the strongest leadership move you can make.   Additional Resources: Connect with Katie on LinkedIn Follow Addicted to Betterment wherever you listen to podcasts! Connect with Nikki on LinkedIn Connect with David on LinkedIn Watch Gut + Science (and more) on YouTube! Connect with Nikki on LinkedIn Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Key Takeaways: Lead with love, especially in tense moments. Ground yourself before engaging hard conversations. Disagreement requires curiosity, not hostility. Small actions create meaningful community impact. Look for helpers and become one.

(Jul 10, 2026) Food insecurity is a real challenge in the North Country. The food bank in Albany is helping families over the summer when school's not in session. Also: An audio postcard from the Paddle for Betterment, a charity cruise for canoes and kayaks in the Thousand Islands. The 25th annual event is Saturday.

Lumida Wealth founder and CEO Ram Ahluwalia joins Chris Lustrino to discuss how the company is building an AI-powered wealth management platform for sophisticated investors. Ram frames Lumida as a next-generation investing platform designed to combine the best parts of brokerage accounts, financial advisors, market intelligence, and AI-powered portfolio tools into one experience. The conversation explores why traditional 60/40 portfolios may not fit the next generation of investors, how Lumida uses AI agents and factor models to surface investment ideas, and why Ram believes investors increasingly want more control, better insights, access to pre-IPO opportunities, and a stronger sense of community. Chris and Ram also discuss Lumida's growth, revenue traction, customer profile, business model, and long-term vision for an AI wealth advisor that can eventually understand an investor's full financial picture, goals, risk tolerance, and portfolio needs.

Women are great savers, but 70% of their money sits in cash, while it has to last longer because women live longer. Dr. Sylvia Kwan has built her career closing that gap. Dr. Sylvia Kwan joins Laurie McGraw on Inspiring Women for a conversation about money, power, and why the financial industry has been quietly failing women for decades. Sylvia is the CEO and Chief Investment Officer of Ellevest, a women-founded, women-led investment advisory firm dedicated to closing the gender wealth gap. The firm has grown to 3 million members and manages over $1 billion in assets. Her path was not obvious. She studied applied mathematics and computer science at Brown University, planning a career in technology, before a final rotation in a quantitative investment group changed everything. She went on to earn a PhD in engineering-economic systems at Stanford, where her dissertation on how social interaction and investor behavior shape markets became one of the earliest works in behavioral finance. As Sylvia and Laurie discovered on the episode, they both share roots in Providence. Sylvia took the reins as sole CEO after succeeding Ellevest founder Sallie Krawcheck, and this episode goes deep on what she has built and where the industry is heading. She walks through the first-of-its-kind gender-aware investing algorithm she created, built on the real data of women's lives: salaries that peak roughly 15 years earlier than men's, career breaks, and longer lifespans. She also makes the case for "wealthcare," her term for shifting financial services away from the assumption that more is always better and toward quality of life, peace of mind, and goals that actually matter to a client. Plus the strategic decision to move Ellevest's digital investing business to Betterment so the firm could focus on private wealth and financial planning, and how she is preparing women for the $124 trillion great wealth transfer now underway. TOPICS COVERED - Why 70% of women's portfolios sit in cash and what it costs them - The gender wealth gap and why women are not set up for financial success the way men are - Building the first gender-aware investing algorithm - Why women's salaries peak 15 years earlier and why career breaks cost far more than lost salary - "Wealthcare" and measuring success by quality of life, not just returns - The $124 trillion great wealth transfer and who is prepared for it - Why 86% of widows fire their financial advisor within a year - Leading Ellevest through a major leadership transition - Investing for both returns and impact - Her one piece of advice for women: don't wait, and don't delegate Dr. Sylvia Kwan's advice to every woman watching: don't wait to claim your financial power, and don't fully delegate it. Get engaged, stay informed, and know what your money is doing. Inspiring Women is hosted by Laurie McGraw, spotlighting the women leaders shaping business, healthcare, and beyond.

Should you expense a rental property cost immediately or capitalize and depreciate it over time? It's one of the most misunderstood areas of real estate investing and getting it wrong can cost you thousands in missed deductions or IRS headaches. In this episode, Thomas Castelli and Nate Sosa break down the decision framework every real estate investor needs to understand when dealing with repairs, renovations, improvements, appliances, HVAC systems, roofs, and other property expenses. You'll learn: - When an expense can be deducted immediately - How the De Minimis Safe Harbor works - The difference between repairs and capital improvements - When the BAR Test applies (Betterment, Adaptation, Restoration) - How cost segregation impacts your deductions - Bonus depreciation vs. Section 179 and when each makes sense - Common tax myths that trip up landlords and short-term rental owners Request a consultation from Hall CPA at go.therealestatecpa.com/3KSEev6 Get the FREE Ultimate STR Tax Strategy Bundle: go.therealestatecpa.com/strbundle Register for the FREE Investing Debate: go.therealestatecpa.com/debate Submit your question for Tom & Nathan: go.therealestatecpa.com/question The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

The dream is calling, but so are the doubts, the expenses, the uncertainty, and maybe even the outhouse. Nikki and David get real about chasing a big life vision while standing right in the messy middle of it, unpacking what it means to believe that "the obstacle is the way." From vision boards and growth mindset to panic moments and perspective shifts, they share how reconnecting to your deeper why can turn fear into fuel.

We're celebrating PFN's birthday by shining a light on the partners who have been part of our journey toward people-first leadership, meaningful work, and purpose-driven impact. This special feature from Addicted to Betterment with Nikki and David Gregory captures the heart of their work and the shared mission that brings us together. Enjoy! — Your thoughts are either working for you or quietly working against you. Nikki and David Gregory unpack the power of perspective and the daily practice of choosing the "good one" when life feels chaotic, heavy, or uncertain. From lost client deals to unexpected change, they explore how pausing, reframing, and asking better questions can shift fear into possibility. This conversation is a reminder for people-first leaders that mindset is not just personal, it ripples into how we lead, decide, recover, and show up. When you can catch the thought, choose gratitude, and reframe the moment, you create space for something better to emerge.   Additional Resources: Listen to Addicted to Betterment wherever you get your podcasts! Connect with Nikki on LinkedIn Connect with David on LinkedIn Subscribe to the PFN YouTube Channel for daily leadership insights! Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Key Takeaways: Perspective shapes peace, progress, and possibility. Pause before reacting to difficult moments. Reframe failure as a beginning, not an ending. Gratitude helps shift negative thought patterns. Choose thoughts that work for you.  

Ever found yourself mid-argument thinking, "Why am I so worked up right now?" What if the real culprit… is your ego? David is joined by Amy Woodall for a conversation that feels more like a mirror than a mic. Together, they pull back the curtain on ego, and how it sneaks into your relationships, hijacks your reactions, and disguises itself as righteousness. Amy shows us where ego lurks and how asking one simple question, "What would love do?", can change the tone, the outcome, and maybe even the world. Expect to feel called out, cracked open, and challenged to stop forwarding that podcast to "someone who really needs to hear it"… and instead, take it personally. This is your invitation to check your ego, rewire your reactions, and step into leadership with radical love, not loud opinions. ❤️   Additional Resources: Subscribe to Conscious Habit on YouTube! Join the "Conscious Conversations" Community! Sign Up for the Conscious Habit Newsletter Connect with Amy on LinkedIn Learn more about Conscious Habit Follow Addicted to Betterment wherever you listen to podcasts! Connect with Nikki on LinkedIn Connect with David on LinkedIn Watch Gut + Science (and more) on YouTube! Connect with Nikki on LinkedIn Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Key Takeaways: Ego reacts; love responds with curiosity and grace. Judging others mirrors unhealed parts of ourselves. Agreement isn't required for acceptance and compassion. Triggered? That's your ego, not your highest self. Love is not weak. It's the ultimate active force.

Welcome to the What's Next! Podcast with Tiffani Bova. I'm thrilled to welcome you back to a series I did with my dear friend, Roger Martin. He's the author of the amazing book, Playing to Win. In this episode, we discuss how your current actions impact your strategy.   THIS EPISODE IS PERFECT FOR…leaders, executives, entrepreneurs, and teams trying to improve results without getting stuck chasing the "perfect" strategy.   TODAY'S MAIN MESSAGE…whether you claim it or not, you already have a strategy. It's reflected in the choices you're making every day. In this episode, Roger and Tiffani unpack one of the biggest misconceptions in business: the belief that strategy is something you create from scratch during a planning session. Roger explains that every company already has a strategy because every organization is making choices about investments, hiring, marketing, products, customers, and priorities. The real question is whether those choices are producing the results you want.   KEY TAKEAWAYS… Your current results are the outcome of the strategic choices you've already made. Strategy fails when leaders expect immediate results from long-term decisions. Chasing the "perfect strategy" often delays meaningful progress. Betterment comes from continuously improving the biggest problems first. Writing down assumptions helps leaders evaluate whether a strategy is truly working over time.   WHAT I LOVE MOST…Roger's emphasis on "betterment" over perfection. Instead of trying to engineer one flawless strategy that solves everything forever, he encourages leaders to continuously improve the choices creating the biggest pain points.   Running Time: 27:38   Subscribe on iTunes     Find Tiffani Online: LinkedIn Facebook X    Find Roger Online: LinkedIn Website   Show Summary on Substack  

On episode 462 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss: how AI will impact wealth management, a stock market boom for the ages, why the Fed never created a financial crisis, an ode to Tim Cook, the world's biggest ETF, ridiculous car payments, AI job market winners and losers, surveys are broken, the dreaded mid-life crisis and more. This episode is sponsored by Betterment Advisor Solutions and ClearBridge. Learn more about Betterment at https://www.betterment.com/advisors Rising geopolitical tensions, continued market uncertainty, stocks backed by can offer more predictable cash flows as volatility increases. Visit https://www.clearbridge.com/ to learn more. Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever felt like your calendar is running your life instead of the other way around? Nikki and David tackle the ultimate challenge: protecting your time before it slips away. They get real about the pain of saying "yes" when you should've said "hell no," the stress of back-to-back meetings that could've been emails, and the guilt of letting your true priorities, family, health, and dreams, slip through the cracks. But it's not all pain stories. They share how to get back in the driver's seat of your days, from using the Life Wheel to create clarity, to building systems that actually support you, to confidently saying "no" without apology. If you're ready to stop coasting through your schedule and start thriving in it, this conversation is your reminder that time is your most precious commodity… make it count. ⏳   Additional Resources: Follow Addicted to Betterment wherever you listen to podcasts! Connect with Nikki on LinkedIn Connect with David on LinkedIn Watch Gut + Science (and more) on YouTube! Connect with Nikki on LinkedIn Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Key Takeaways: Time is our most valuable resource. Clear priorities come from regular reflection. Strong systems protect energy and focus. Saying "no" keeps you in control. Auditing your calendar shows real priorities.  

Join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for another episode of What Are Your Thoughts and see what they have to say about: financials, stock market bottoms, Amazon, technical analysis, SBC's and more. This episode is s sponsored by Betterment Advisor Solutions and ClearBridge Investments. Learn more at http://Betterment.com/advisors Companies with physical assets, predictable cash flows and durable moats are well-positioned in a volatile, high‑valuation market. Learn more at https://www.clearbridge.com/  Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Kim Rosenblum, CMO of investment app Betterment, unpacks her "anti‑marketing" playbook, which involves telling customers not to engage and shifting away from chasing cheap CAC to prioritizing lifetime value.

On episode 217 of Ask The Compound, Guest Host Bill Sweet and Duncan Hill are joined by Ritholtz Wealth Director of Tax Services Bill Artzerounian, Ritholtz Wealth Investment Analyst Sean Russo and Data Research Associate and founder of Exhibit A Matt Cerminaro to discuss Trump accounts vs 529 plans, government bonds, social security, moving to NYC in 2026, AI and taxes and more. Submit your Ask The Compound questions to ⁠⁠⁠askthecompoundshow@gmail.com! This episode is sponsored by Betterment Advisor Solutions. Learn more at http://Betterment.com/advisors Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

The results you're seeing today are a direct reflection of seeds you planted long ago, and if that hits a nerve, this episode is for you. Nikki and David are getting real about the wild truth that what you plant is what you get. From the legendary patience it takes to grow a Chinese bamboo tree to the behind-the-scenes grind of podcasting and showing up as your best self each day, this convo hits deep. They break down how to audit your daily "seeds," why choosing your crop before planting is the move, how AI is just like soil, and why protecting your energy is non-negotiable. Oh, and if you've ever doubted yourself during the slow seasons, this is your sign to keep going. The bamboo might just be about to shoot up. Betterment takes time, but with intention, patience, and a little self-awareness, your growth is coming

On episode 213 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Barry Ritholtz and Blair duQuesnay to discuss: the current market environment, the importance of the market to the Trump admin, odds of a recession, and more! Submit your Ask The Compound questions to ⁠⁠⁠askthecompoundshow@gmail.com⁠⁠⁠  This episode is sponsored by Betterment for Advisors. Learn more at https://betterment.com/advisors

What if courage wasn't something you either had or didn't, but something you could build? Nikki and David open up about the real journey of courage, not as a Hollywood moment, but as a daily practice. From David's vulnerability in asking for help after a major injury, to Nikki's story of taking the stage during the emotional turbulence of divorce, they strip courage down to its core. The duo introduces a four-step framework rooted in faith, values, support systems, and taking action, even when it's scary. This episode is a call to action for anyone stuck in self-doubt or fear of failure. Whether you're facing a personal crossroads or seeking to lead others with more heart, you'll walk away inspired to become a courage builder, not a courage killer.   Additional Resources: Follow Addicted to Betterment wherever you listen to podcasts! Connect with Nikki on LinkedIn Connect with David on LinkedIn Watch Gut + Science (and more) on YouTube! Connect with Nikki on LinkedIn Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Key Takeaways: Courage starts with knowing you're not alone. Core values anchor brave decisions and actions. Borrowed belief powers you through tough times. Trying new things builds your courage muscle. Be a courage builder, not a courage killer.  

Are we running ourselves like startups?We're tracking sleep, optimizing mindset, managing money, and using AI like a second brain. Life is starting to feel less like living and more like performance management.Is optimization actually giving us freedom, or just better ways to pressure ourselves to perform?This week on House of Content, we unpack personal KPIs, Betterment Burnout, delulu-as-strategy, and how creators, algorithms, and AI are quietly reshaping what “normal” looks like.Key Discussion Points:When life started coming with KPIsOptimizing mindset, body, and financesWearables & AI: empowerment or pressure?“Sum of five friends” vs “sum of creators you follow”Betterment Burnout & the mental health trade-offs

This week's episode is a meditation on partnership and all the ways there are to both attend to your partner and to fail. In his new book Choreplay, author Jordan Carlos calls himself out for some of his shortcomings as a husband, but also explores ways he can and does show up for his wife. Grant and Brooke reveal their own thoughts about how they measure up as spouses, and also consider memoirs like these that are explorations of how we can do better—as humans, as partners, as parents, and in all the ways we show up in the world. Jordan Carlos is a comedian, thank God, because he's able to take this seemingly fraught topic and make it funny and fun. Enjoy!Jordan Carlos is a stand up comedian and actor based in New York. He recently wrote for and starred in the first season of Phoebe Robinson's “Everything's Trash”, and stars in the forthcoming animated series Motel Translyvania, coming to Netflix in Fall 2025. He is perhaps best known for his work as a writer and on-air contributor for The Nightly Show With Larry Wilmore, has written for Divorce and “The White House Correspondents' Dinner” (in 2016) as well as “The Not The White House Correspondent's Dinner” with Samantha Bee (in 2017). He has also appeared on Black Mirror, Nora From Queens, Party Down, Broad City, and The Colbert Report , among others. Jordan lives in Brooklyn with his wife and children, and Choreplay is his first book.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for another episode of What Are Your Thoughts and see what they have to say about the biggest topics in investing and finance! This episode is sponsored by Betterment Advisor Solutions and ClearBridge Investments. Learn more about Betterment by visiting: http://Betterment.com/advisors  International and emerging market stocks outperformed the U.S. in 2025. At ClearBridge, we believe this momentum can continue. Find out more at  https://www.clearbridge.com/ Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus, Jon's take on why now is a good time to start a business — in spite of market uncertainty. Today's callers: Dan from Washington considers new offerings beyond his core loose leaf yerba mate product. Then, Mike from New Hampshire wants to expand his woodworking business beyond his basement, without taking on debt. And Maggie from Georgia wonders how to respond to rising customer acquisition costs for her soccer-themed dog brand.Thank you to the founders of Heretic Yerba, MTS Woodworking, and Floofball for being a part of our show.If you'd like to be featured on a future Advice Line episode, leave us a one-minute message that tells us about your business and a specific question you'd like answered. Send a voice memo to hibt@id.wondery.com or call 1-800-433-1298.And be sure to listen to Betterment's founding story as told by Jon on the show in 2018. This episode was produced by Noor Gill with music by Ramtin Arablouei. It was edited by John Isabella. Our audio engineer was Kwesi Lee.You can follow HIBT on X & Instagram and sign up for Guy's free newsletter at guyraz.com and on Substack.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Cyber weapons knock out Iranian air defenses during strikes on nuclear sites. ShinyHunters dump more than a million stolen records from Harvard and Penn. Betterment confirms a breach exposing data from roughly 1.4 million accounts. Researchers uncover a sprawling scam network impersonating law firms. Italy blocks cyberattacks aimed at Olympics infrastructure. Critical bugs put n8n and Google Looker servers at risk of full takeover. A state-backed Shadow Campaign hits governments worldwide. OpenClaw shows how AI-powered attacks are becoming faster, cheaper, and harder to stop. Our guest is Tony Scott, CEO of Intrusion and former federal CIO, sharing his perspective on evolving regulation and the realities behind critical policy shifts. Your smartphone may testify against you. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Our guest today comes as a segment from our Caveat podcast. Tony Scott, CEO of Intrusion and former federal CIO, joins Dave Bittner to share his perspective on evolving regulation and the realities behind critical policy shifts. You can listen to Tony and Dave's full conversation on this week's episode of Caveat, and catch new episodes of Caveat every Thursday on your favorite podcast app. Selected Reading Exclusive: US used cyber weapons to disrupt Iranian air defenses during 2025 strikes (The Record) Personal data stolen during Harvard and UPenn data breaches leaked online - over a million details, including emails, home addresses and more, all published (TechRadar) Data breach at fintech firm Betterment exposes 1.4 million accounts (Bleeping Computer) Researchers Expose Network of 150 Cloned Law Firm Websites in AI-Powered Scam Campaign (SecurityWeek) Italy Averted Russian-Linked Cyberattacks Targeting Winter Olympics Websites, Foreign Minister Says (SecurityWeek) n8n security woes roll on as new critical flaws bypass December fix (The Register) LookOut: Discovering RCE and Internal Access on Looker (Google Cloud & On-Prem) (Tenable) Cyberspy Group Hacked Governments and Critical Infrastructure in 37 Countries (SecurityWeek) The Rise of OpenClaw (SECURITY.COM) Smartphones Now Involved in Nearly Every Police Investigation (Infosecurity Magazine) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Today, Ellyn and Amanda are joined by our newest book club host Alex Kretzinger. We're so excited to learn more about Alex's new book club and hear which books he's recommending. Cultural expectations around masculinity pose many challenges for boys and men as they struggle to find belonging and healthy connections in relationships, family roles, education, and the workforce. The BetterMENt Book Club aims to explore those challenges through works of nonfiction and fiction, creating a community for participants to discuss how boys and men can better connect in their relationships and their communities and find the motivation to become forces for good in the world. Check out what the BetterMENt book club is reading HERE Ellyn's Currently Reading | One Dark Window by Rachel Gillig Amanda's Currently Reading | Country People by Daniel Mason Alex's Currently Reading | There's Nothing Like This by Kevin Evers Show Notes: Of Boys and Men by Richard V. Reeves The Anxious Generation by Jonathan Haidt Raising Cain by Dan Kindlon, PhD & Michael Thompson PhD Rebels With A Cause by Niobe Way Germinal by Emile Zola The Road by Cormac McCarthy ______________________________________________________________________ Make sure to subscribe and rate the Bubbles & Books Podcast. And don't forget to share it with your friends. Follow us on Instagram: @bubblesandbookspodcast Follow Dog-Eared Books on Instagram: @dogearedbooksames Shop Dog-Eared Books and pick up your books in store or have shipped HERE. Interested in audiobooks? Listen while supporting Dog-Eared Books HERE. Interested in e-books? Listen while supporting Dog-Eared Books HERE. Learn more about a Dog-Eared Books book subscription HERE. Visit us! www.dogearedbooksames.com

What if the biggest barrier to the outcomes we crave... is us? Nikki and David Gregory pull no punches as they unpack how we often create the very problems we're frustrated by. From a disastrous family lunch to missed health goals and tense business meetings, they share vulnerable stories that hit close to home. This episode isn't about blame, but about the power to shift our mindset, manifest better outcomes, and pivot with purpose when things go sideways. With practical tools and honest reflection, this conversation challenges us all to stop playing checkers with our lives and start playing chess. Because betterment begins when we own our part and choose better, one move at a time.   Additional Resources: Follow Addicted to Betterment wherever you listen to podcasts! Connect with Nikki on LinkedIn Connect with David on LinkedIn Watch Gut + Science (and more) on YouTube! Connect with Nikki on LinkedIn Follow PeopleForward Network on LinkedIn Learn more about PeopleForward Network   Key Takeaways: Mindset shapes every outcome we experience We often manifest the problems we complain about Clear intention + action = new results Resilience matters when things derail Celebrate small wins to fuel momentum  

On episode 207 of Ask The Compound, Ben Carlson and Duncan Hill discuss the 4% rule, emerging markets, tax-advantaged accounts, diversification, selling a home with a low rate and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Betterment Advisor Solutions. Learn more at http://Betterment.com/advisors Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

On this episode of Live From the Compound, Downtown Josh Brown hosts Cullen Roche, founder of Discipline Funds and author of the new book, Your Perfect Portfolio. Cullen walks investors through the most important points about 60/40 strategies, risk parity, investing like Buffett and other popular strategies. Get Cullen's book here: https://www.amazon.com/Your-Perfect-Portfolio-investing-strategies/dp/1804091928 This episode is sponsored by Betterment Advisor Solutions. Learn more at http://Betterment.com/advisors  Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

My guest this week is Joseph Perello, founder and CEO of Props. Props is a performance-based creator marketing platform built around a simple belief. The best marketing still comes from people, not metrics. Instead of chasing follower accounts, Props uses AI to match brands with creators based on storytelling strength, trust, and audience authenticity. So campaigns are both data-driven and deeply human.AI does the heavy lifting in the background, brand safety, workflow and precision, while real human creators stay in front and center. Before launching Props, Joe built and ran a digital agency serving brands like Nike, HP, Lowe's Hotels, Betterment, and even Michelle Obama. And earlier in his career, he served as New York City's first CMO under Mayor Bloomberg, helping to revitalize tourism and launching the city's first self-sustaining marketing agency. Finally, Joe sits at the intersection of brand, policy, tech, and creative. I'm so happy I spent a few minutes with him at advertising week not long ago, and we're gonna continue that great conversation.

On this special episode of Live from The Compound, Josh Brown is joined by George Kurtz, President, CEO, and co-founder of CrowdStrike to discuss: the state of cybersecurity in 2026, how AI is reshaping the threat landscape, how AI agents, non-human identities, and browser-based workflows expand the attack surface, common root causes of modern breaches and how defenders can reduce risk, CrowdStrike's announced acquisitions and the move toward continuous identity and zero standing privilege. They will also cover why the browser has become a primary control plane for enterprise security, securing AI workloads, agents, and data with Falcon AI Detection & Response, the shift from AI copilots to autonomous, agentic security operations and why unifying endpoint, identity, cloud, and browser security matters in the AI era. Disclosure: Josh Brown is a long-term investor and shareholder in the CrowdStrike company. This episode is sponsored by Betterment Advisor Solutions. Learn more at http://Betterment.com/advisors Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for another episode of What Are Your Thoughts and see what they have to say about the biggest topics in investing and finance! This episode is sponsored by Betterment Advisor Solutions.  Learn more at http://Betterment.com/advisors  Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Cybercrime Wire, hosted by Scott Schober, provides boardroom and C-suite executives, CIOs, CSOs, CISOs, IT executives and cybersecurity professionals with a breaking news story we're following. If there's a cyberattack, hack, or data breach you should know about, then we're on it. Listen to the podcast daily and hear it every hour on WCYB. The Cybercrime Wire is brought to you Cybercrime Magazine, Page ONE for Cybersecurity at https://cybercrimemagazine.com. • For more breaking news, visit https://cybercrimewire.com

What if your biggest money block was invisible… and inherited? Welcome to a groundbreaking kickoff of a new Addicted to Betterment series with Nikki and David, and the incomparable financial coach, Roya Mattis. Together, they dive deep into the subconscious programming most of us never question: the invisible money stories we inherited long before we even earned our first dollar.

Lunar Outpost was founded on the belief that resources from the moon can be used for the betterment of humankind. The space mobility company has recently unveiled its new Eagle Space Truck and has plans for new vehicles to traverse the lunar surface. Find out more from  Lunar Outpost Cofounder and Chief Strategy Officer, Forrest Meyen. You can connect with Forrest on LinkedIn, and learn more about Lunar Outpost on their website. Remember to leave us a 5-star rating and review in your favorite podcast app. Be sure to follow T-Minus on LinkedIn and Instagram. Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at space@n2k.com to request more info. Want to join us for an interview? Please send your pitch to space-editor@n2k.com and include your name, affiliation, and topic proposal. T-Minus is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like life's flame is flickering out? Whether it's a bad day, a tough quarter, or a rocky relationship, what's your go-to lighter fluid to reignite your fire?

On this TCAF Tuesday, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! For more from special guest Sam Ro, check out: https://www.tker.co/ This episode is sponsored by Betterment Advisor Solutions and Rocket Money. Grow your RIA, your way by visiting: https://Betterment.com/advisors  Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://rocketmoney.com/compound today. Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Wharton FinTech Podcast, host Vaibhav sits down with Sarah Levy, CEO of Betterment and former executive at Disney, Viacom, and Nickelodeon. Sarah shares her insights on the evolution of financial services, why trust is the cornerstone of financial decision-making, how Betterment balances simplicity with expanding investor choice, and how AI is shaping the future of wealth management. Sarah emphasizes the significance of fiduciary responsibility and the role of simplicity in financial tools, while also providing advice for aspiring entrepreneurs in the wealth management space. She also shares key insights from Betterment's latest Retirement Readiness Report, including why Gen Z is both confident and deeply anxious about the future. A wide-ranging conversation that blends behavioral finance, product strategy, and the future of wealth tech.

What if the only thing standing between you and your big dream was… just starting? Nikki and David tackle the excuses, fears, and perfection traps that keep us stuck on the sidelines. From the myth of "not being ready yet" to the fear of failing in front of others, they share real stories and reframes that prove you're good enough to start right now. You'll hear why momentum builds confidence, how failure is really just feedback, and why declaring your goals out loud creates unstoppable energy. Whether it's launching a podcast, building a business, or finally chasing that thing you've been putting off, this conversation is your nudge to stop waiting and start doing.

On this TCAF Tuesday, Josh sits down with Charles Lemonides, founder of ValueWorks, to discuss the future of flight and how soon we might see flying cars taking to the skies. Charles makes the case for Joby and dives deep into why he thinks it stands above the rest in the eVTOL space. Then at 35:26 hear an all-new episode of What Are Your Thoughts with special guest Ed Yardeni joining ⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors   Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 215 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Stephanie Roth, Chief Economist at Wolfe Research, to discuss: the economy, tech earnings, the Fed, the wealth effect, AI and the labor market, and much more! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this TCAF Tuesday, Josh Brown is joined by Nick Colas and Jessica Rabe of DataTrek Research to discuss: the key to understanding Q3 reporting season, the seasonality of S&P highs, a financial analysis of Big Tech, and more! Then at 39:40, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors   Sign up for ⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 433 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss the melt-up phase of the AI boom, there is a bubble in bubble predictions, no one is going to call the top, hyperscalers vs. the labor market, international stocks are outperforming, Taylor Swift, junk stocks, the top 1% vs. the bottom 90% and more. This episode is sponsored by Betterment Advisor Solutions and Vanguard. Grow your RIA, your way by visiting: https://Betterment.com/advisors Learn more about Vanguard at: https://www.vanguard.com/audio Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this TCAF Tuesday, Josh Brown welcomes Telis Demos, writer for Heard on the Street and co-host of The Wall Street Journal's Take on the Week podcast to discuss: mortgage rates falling, the TikTok deal, record margin debt, JPMorgan credit card spending, the new threat facing active fund managers, Private market investments coming into 401(k)'s, and much more! Then at 43:22 hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors Sign up for ⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this TCAF Tuesday, Josh and Michael sit down with Coinbase Chief Financial Officer, Alesia Haas, and Chief Legal Officer, Paul Grewal, to dive into what's next for the world's largest digital asset exchange. Then at 45:23, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions and Rocket Money. Grow your RIA, your way by visiting: https://Betterment.com/advisors Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://rocketmoney.com/compound today. Sign up for ⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 203 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Sam Ro and Luke Kawa to discuss: AI dominating the economy, crypto and PE in 401(k)s, consumer spending, the BLS, and much more! This episode is sponsored by Betterment Advisor Solutions and Vanguard. Grow your RIA, your way by visiting: https://Betterment.com/advisors  Learn more about Vanguard at: https://vgi.vg/3GbOsYM. Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this TCAF Tuesday, Josh Brown is joined by Nick Colas and Jessica Rabe, co-founders of DataTrek Research. They take a look at the current earnings and valuation of the S&P 500 to determine whether or not there is still upside for investors buying stocks today. Jessica points out a nearly perfect parallel between the current AI driven rally and the original Dot Com boom from 25 years ago. Then at 39:57, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠ and ⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions and Rocket Money. Grow your RIA, your way by visiting: https://Betterment.com/advisors Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://rocketmoney.com/compound today.   Sign up for ⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices