Podcasts about Bogle

June 11, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about recent news of funding for Boys and Girls Club summer programming and the struggles of ALICE families when problems occur. Listen to the podcast now!See omnystudio.com/listener for privacy information.

Don and Tom question whether the investment industry—and increasingly Vanguard—keeps creating new products simply to stay relevant rather than solve real investor problems. They critique Vanguard's new Target Retirement Lifetime Income Fund, which combines a target-date fund with an annuity, arguing that it sacrifices liquidity, introduces inflation risk, and obscures costs. They also take aim at Vanguard's new Active/Passive Model Portfolio Series, suggesting it adds unnecessary complexity and market-timing assumptions to what should be a straightforward indexing approach. Listener questions cover the risks of holding 72% of retirement assets in an ESOP and whether a military family should replace a simple Schwab index-fund portfolio for their two-year-old daughter with AVGE. The episode closes with a plug for The Line Uncrossed and a discussion of the real-life Civil War experiences that inspired the novel.0:12 Do investors really need new products and new ideas?2:11 Vanguard's Target Retirement Lifetime Income Fund and annuities in target-date funds4:29 Liquidity, inflation risk, and the tradeoffs of guaranteed retirement income7:44 Why immediate annuities often take years just to return your own principal9:16 Morningstar's skepticism of guaranteed-income retirement products10:46 Vanguard's new Dynamic Active Passive Model Portfolio Series12:42 Are active/passive hybrid portfolios solving a real problem?13:38 Has Vanguard lost its indexing compass?15:30 New Talking Real Money website features and submitting listener questions16:12 ESOP question: 72% of retirement assets tied to employer stock17:59 The dangers of concentrated company-stock positions21:29 Understanding ESOP returns versus traditional investments24:09 Why diversification matters more than past ESOP performance26:49 Using GI Bill benefits, a 529 plan, and a UTMA to fund a child's future28:27 AVGE versus a simple total-market index portfolio for a young child29:42 Why simplicity may be good enough for long-term investing success30:35 Discussion of The Line Uncrossed and its Civil War inspiration31:41 John B. Anderson, Andersonville Prison, and the history behind the bookQuestions? Comments? Click!

W inwestowaniu dostajesz to, za co nie płacisz. To słynny cytat Johna Bogle'a, który zwraca uwagę na znaczenie kosztów w inwestowaniu, zwłaszcza w przypadku funduszy. Ze względu na wysokie opłaty niektórzy mówią wręcz, że "towarzystwa funduszy inwestycyjnych to patologia". To chwytliwe hasło, ale mało precyzyjne. Są przecież TFI, które stosują zarządzanie pasywne i pobierają niższe opłaty.Istotą problemu jest to, że bardzo wiele funduszy aktywnie zarządzanych jedynie udaje, że selekcjonuje najlepsze spółki. W rzeczywistości zarządzają w sposób zbliżony do pasywnego, jednocześnie pobierając od klientów opłaty jak za zarządzanie aktywne. Czyli płacisz za aktywne, a dostajesz pasywne - lub parafrazując Bogle'a: płacisz za coś, czego nie dostajesz.To zjawisko to tak zwane ukryte indeksowanie.To właśnie ono należało do zapalników pasywnej rewolucji. Do tej pory było opisywane przez badaczy na Zachodzie, ale doczekaliśmy się również polskiego opracowania. Dr hab. prof UŁ Tomasz Miziołek wydał książkę „Ukryte indeksowanie”. Pokazuje w niej, jak to zjawisko wygląda w Polsce. Serdecznie zapraszam was na rozmowę z nim, szczególnie jeśli inwestujecie w fundusze aktywnie zarządzane.

June 4, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about the Dawson Civic Leadership Institute open house at The Lodge at Decatur Memorial Hospital, their community investment process, their new ALICE advisor, and ALICE at Work. Listen to the podcast now!See omnystudio.com/listener for privacy information.

May 28, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about ALICE family data, the Decatur Area Arts Council's mid-century modern show, and summer. Listen to the podcast now!See omnystudio.com/listener for privacy information.

May 21, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about the Boys & Girls Club and their community investment process. Listen to the podcast now!See omnystudio.com/listener for privacy information.

► Głosowanie na Herosa Rynku Kapitałowego► "Mała książka zdroworozsądkowego inwestowania"► Pakiet darmowych książek z Saxo BankiemByłem na wrocławskiej konferencji Inteligencja finansowa i tam opowiadałem o finansowych błędach, ze szczególnym naciskiem na inwestowanie. Później jeszcze brałem udział w debacie i też poruszaliśmy tam mocno temat na ile porażki i błędy przeszłości to faktycznie porażki, a na ile po prostu lekcje i element drogi, który czeka każdego inwestora.  Mam dzisiaj dla Was kilka pułapek i ciekawych spostrzeżeń moich i nie tylko – myślę, ze mogą się przydać szczególnie poczatkującym i szczególnie w tym szalonym czasie, gdy inwestowanie wydaje się banalnie proste. W te pułapki wpadałem mocno na samym początku i przed nimi przestrzegam najmocniej młodych adeptów inwestowania. Później też jest masa pułapek, ale nieco innych. To pewnie temat na inny odcinek.W tym odcinku:o pułapkach, w które bardzo łatwo wpaść na starcie, o błędach, które i tak popełnimy jako inwestorzy, o najważniejszym pytaniu aktualnej hossy! Newsletter podcastu: Nic za darmo Extra Zajrzyj do księgarni: https://finansoweksiazki.pl/  

Kitty Bogle-Sherman and Coco Harmon are more than sisters. They are co-founders, mothers, and purpose-driven leaders reshaping how we connect through technology. As the visionary founders behind Endora, they are building a platform designed to deepen human connection in a digitally saturated world, blending innovation with intention.In a time defined by constant input, where we are endlessly consuming, scrolling, and absorbing, they recognized a quiet but critical gap: the need for reflection. What began as an app designed to gamify self-reflection has evolved into something far greater: an ecosystem of tools and experiences that invite individuals to pause, process, and reconnect with themselves and one another. Rooted in both personal insight and a shared vision for collective well-being, their work reframes technology not as a distraction, but as a catalyst for awareness and growth.Endora is more than an app and more than a company. Kitty and Coco are cultivating a movement centered on meaningful connection, conscious technology, and a more human future.Featured in 'The Seen Edition' of AwareNow Magazine: www.awarenowmagazine.comSeries: ALIGNHost: DamkiannaGuests: Kitty Bogle-Sherman & Coco HarmonMusic by: DamkiannaProduced by: AwareNow Media

May 14, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about how the current economic climate is impacting citizens, the joy of helping families find treasure in estate sales, and the upcoming mid-century modern exhibit at the Decatur Area Arts Council. Listen to the podcast now!See omnystudio.com/listener for privacy information.

Michael Green, Chief Strategist and Portfolio Manager for Simplify Asset Management, joins Julia La Roche on episode 366 to break down what he calls the most important and overlooked structural shift in financial history — the rise of passive investing. Green argues that the market isn't broken in the way most people think: it's not fraud or irrational exuberance, it's the mechanical consequence of a regulatory change in 2006 that turned 401k contributions into an automatic, valuation-blind buying machine. With passive now at 55% of the market — and rising 4% per year — Green shares new research showing that somewhere between 65% and 80%, a 1987-style crash stops being a possibility and becomes nearly inevitable. He also connects the dots between our retirement system, the housing crisis, and why both boomers and millennials are scared — just for completely different reasons.Links:Follow Mike on X: https://twitter.com/profplum99Read Mike's Substack: https://www.yesigiveafig.com/Visit Simplify: https://www.simplify.us/Timestamps00:00 Intro and welcome Mike Green1:04 - What "broken markets" actually means today 2:40 - The Costanza market and how Mike's research began 6:21 - Passive went from 2% to 55% of the market since 1992 7:05 - Why passive investing is just momentum with no valuation filter 9:45 - The 2006 Pension Protection Act — the legislation nobody talks about 10:13 - Why Vanguard and Bogle aren't the ones to blame 10:19 - The book: The Greatest Story Ever Sold 10:39 - The academic paper that forced Mike to rewrite the book 13:59 - Type A vs Type B savers — and the snow cone moment 14:35 - Prices don't move because of information. They move because of flows. 15:08 - The threshold: 65–80% passive and the market becomes unstable16:07 - Why the coming crash could be worse than 1987 19:37 - The XIV collapse — and what it taught Mike about predicting crashes 22:00 - Is there a disconnect between markets and the economy right now? 22:19 - Nvidia's margins, vendor financing, and the Cisco parallel 24:10 - The S&P could be worth less than 2,000 on a pure DCF basis 25:29 - Pushing back on the "we've never been better off" narrative 27:21 - The valley of death and the precarity line 28:36 - Why demographics are at the center of everything 29:29 - Why boomers are terrified too — and why that matters for younger people 31:14 - The housing trap: boomers won't sell, millennials can't buy 34:21 - What does all this say about the social fabric? 35:18 - "Tax wealth, not work" — the tax code we had in the 1950s 36:41 - Why a wealth tax is actually the wrong solution 38:11 - Wrap up

May 7, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk her recent visit to Springfield and 211. Listen to the podcast now!See omnystudio.com/listener for privacy information.

James, Rocco and Darragha are back after a beautiful Friday night at Elland Road as Leeds United beat Burnley 3-1 to move up to 14th and on to 43 points - the kind of total that's never seen a Premier League side relegated. Anton Stach opened the scoring with a stunning left-footed strike from outside the box (his fourth goal from range this season), Dominic Calvert-Lewin's outrageous back-heel set up Noah Okafor for a glorious Bogle assist, and DCL bundled in his 13th of the season to put the game beyond Mike Jackson's interim Burnley side. We break down the perfect Stach goal in slow motion, debate whether Calvert-Lewin is now Rocco's favourite striker since Tony Yeboah, and reflect on the form run since the Manchester City defeat - 12 points from 21, including the win at Old Trafford and the Wembley FA Cup semi-final alongside it. There's full appreciation of Daniel Farke's elite-level Premier League management, a debate about the referee, and a look at how Leeds have quietly become one of the best-organised sides in the league. Then it's on to Tottenham away on Monday 11th May, with the small matter of Spurs being in the relegation zone, on their third manager of the season under Roberto De Zerbi, and missing roughly half their squad to injury (Simons, Solanke, Kudus, Odobert, Kulusevski, Romero, Vicario, Maddison and more). Plus: the man who lost his watch in the stand, Michael Jackson on the tannoy at full-time, Dara's surprise summer transfer pick to bring back to Elland Road, and why this Leeds squad genuinely wants to be here. 00:00 Welcome and Bass & Bligh 02:07 Reaction to a beautiful night at Elland Road 06:27 Stach's stunning opener 10:19 DCL's back-heel and Okafor's finish 15:11 Calvert-Lewin appreciation 19:14 The third goal and Farke's "43 points" line 23:23 The watch, Michael Jackson and a full moon 27:01 Struijk's error and the referee debate 30:37 Spurs preview: the injury apocalypse 34:05 Summer ahead and Farke is elite 39:24 Dara's curveball: bring Rutter back 42:11 Final thoughts and sign-off

Transkrypcja:Transkrypcję tego odcinka znajdziesz tutaj. Czy seria omawiająca technologiczne spółki z indeksu S&P 500 zostanie dokończona? TAK! W tym odcinku bierzemy na tapet Alphabet Inc. (Google). #BoCzemuNie ? POBIERZ ODCINEK Partnerzy technologiczni: > iDream – Apple Premium Reseller, Apple Premium Service Provider > Pancernik – Akcesoria do telefonów i nie tylko Partner odcinka: > BETA ETF – pierwszy dostawca polskich funduszy ETF, jest ich już ponad 15! (współpraca płatna) Linki: Zadaj pytanie w odcinku lub zgłoś temat! Newsletter podcastu Myślisz o podcaście? Sprawdź warsztat „Poznaj podcasting” Mateusz Mucha Poprzednie odcinki o spółkach S&P 500 Książka Johna C. Bogle'a Odcinek podcastu „Echa Rynku” – Mała czerwona książka Bogle’a „Złota klatka usług Apple” Bądźmy w kontakcie: X | Facebook | Instagram | kontakt@boczemunie.pl > Prowadzący: Krzysztof Kołacz Mam prośbę: Oceń ten podcast w Apple Podcasts oraz na Spotify i YouTube. Zostaw tyle gwiazdek, ile uznasz. Twoja opinia ma znaczenie! Zainteresowany współpracą? Pogadajmy. > Liczby znajdziesz na boczemunie.pl/partner/ Słuchaj, gdzie chcesz: YouTube | Apple Podcasts | Spotify | Overcast FM i przez RSS Dobrego odbioru! Bo czemu nie? Rozdziały: (00:00:00) PARTNERZY (00:00:27) INTRO (00:01:02) Wstępniak (00:02:33) Gość: Mateusz Mucha (00:07:57) Mała czerwona książeczka (00:24:03) Gadżeciarz? (00:26:46) Pogadajmy o spółce Alphabet Inc. (Google) (01:08:04) Dywersyfikuj!

"Mała książka zdroworozsądkowego inwestowania" wraca do sklepu:► https://finansoweksiazki.pl/p/mala-ksiazka-zdroworozsadkowego-inwestowania-ksiazka/ Książki za darmo, wspomniane w odcinku:► https://finansoweksiazki.pl/p/inwestor-starter-zestaw-darmowe-ebooki/W ostatnim newsletterze za wykres tygodnia uznałem odbicie w kształcie V na amerykańskim indeksie Sp500, ale tak naprawdę mogłem dać tam kilka innych wykresów, bo te podążyły za amerykańską giełdą. A dlaczego podążyły? Bo koniec problemów, może koniec wojny, generalnie narracja zawsze ta sama – kupuj dołki i jazda na nowe ATH.  Jak wiecie, jestem przeciwnikiem szukania co chwilę scenariuszy katastroficznych, ale rozumiem czemu wiele osób nie może przejść do porządku dziennego z filozofią „kupuj dołki - to się zawsze udaje”. I dzisiaj spróbujemy rozszyfrować czemu tak jest i skąd się to przekonanie wzięło. Trzeba tu sięgnąć głębiej i dalej niż wykresy, zajrzę do historii banków centralnych, ekonomii kryzysów i kilu zjawisk, które prowadza do podobnych w wniosków.  W tym odcinku:o co chodzi z odbiciem V,dlaczego wierzymy, że kupowanie dołków zawsze działa,i kiedy nie działa i faktycznie jest pułapką.Newsletter podcastu: Nic za darmo Extra Zajrzyj do księgarni: https://finansoweksiazki.pl/  

Two married colleagues slip away after a New Year's Eve party—but by morning, both are found dead by a quiet riverbank. Their bodies are strangely arranged, with no signs of violence and no clear explanation. What happened in those final hours remains one of Australia's most haunting mysteries. Huge thanks to our sponsors for making this episode possible: Acorns: Sign up now and Acorns will boost your new account with a $5 bonus investment. Head to⁠⁠⁠ ⁠acorns.com/crimehub⁠⁠⁠⁠ or download the Acorns app to get started. Shopify: Sign up for your $1 per month trial today at ⁠shopify.com/crimehub⁠ Quince: Go to ⁠quince.com/crimehub⁠ for free shipping and 365-day returns.  Writer: Samantha Davis * * * CONTENT DISCLAIMER: This episode contains explicit content intended for mature audiences. Parental guidance is advised for children under the age of 18. Listen at your own discretion. #truecrime #truecrimestories #truecrimepodcast #crimehub Learn more about your ad choices. Visit megaphone.fm/adchoices

On April 9, 2015, 28-year-old single mother Heather Bogle was last seen leaving the parking lot after working a night shift. The day after she disappeared, her body was found inside the trunk of her car. The lead investigator pursued three innocent people of color while the real killer walked free. CBS News Correspondent Jim Axelrod reports. This classic "48 Hours" episode last aired on 6/6/2020. Watch all-new episodes of “48 Hours” on Saturdays and stream on demand on Paramount+. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

April 9, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about The Power of the Purse and what is planned for the evening that will raise money for the Dolly Parton Imagination Library. Listen to the podcast now!See omnystudio.com/listener for privacy information.

April 2, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about current challenges facing families, how the United Way is helping, and their upcoming Power of the Purse event. Listen to the podcast now!See omnystudio.com/listener for privacy information.

At 82 years old, I still work. Not because I have to, but because I want to.I joined Brian Herriot and Kirby Denison on “The Time Freedom Podcast” to talk about exactly that. But we ended up covering a lot more than I expected.Here's something that might surprise you: I managed money for thousands of people over 30 years and built a firm to $1.6 billion under management. And I have never once managed my own money.Why? Because I know myself too well. When the market drops, I would second-guess everything. I'd probably hesitate to put more money in, even though that's exactly what I teach people to do. So I let someone else handle it. I don't even check how I did last year.We also got into my disagreement with John Bogle. I had the privilege of sitting with him for about 90 minutes earlier in my career. Bogle preached Enough and it's even the title of one of his books.I respectfully disagree. I believe the goal should be more than enough. Because life gets in the way. Bad things happen. And they often happen during retirement, when you have the least ability to recover. If you stop working the moment you have just enough, you're one bad year away from trouble.

March 26, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about impacting families with assistance and remembers the community rallying to help those impacted by the ice storms in 2006. Listen to the podcast now!See omnystudio.com/listener for privacy information.

In this Renthal Reaction, Matthes and Perebijnos discuss Nick Romano to Pro Circuit Kawi and Justin Bogle to PMS Suzuki, how they'll do, the mindset of each and more. Then we break down the upcoming Showdown.

In this special 400th episode, the Rational Reminder hosts reflect on 50 years of index investing and the profound impact it has had on financial markets, investor behavior, and the cost of investing. The episode features a panel moderated by Ben Felix at the New York Stock Exchange—hosted by Vanguard and S&P Dow Jones Indices—bringing together leading voices in the indexing world to explore how passive investing evolved and what it means for the future of capital markets. Ben is joined on the panel by Tim Edwards (S&P Dow Jones Indices), Jim Rowley (Vanguard), and Shelly Antoniewicz (Investment Company Institute) to discuss the mechanics of indexing, the myths surrounding passive investing, and the evidence on how index funds affect markets. They unpack questions about market concentration, price discovery, and whether indexing is changing the structure of capital markets. Key Points From This Episode: (0:00:04) Introduction to the Rational Reminder podcast and the hosts from PWL Capital. (0:00:24) Celebrating the 400th episode and reflecting on nearly eight years of podcasting. (0:01:09) Dan Bortolotti discusses the early days of podcasting and the transition from the Couch Potato podcast. (0:02:11) The rise of podcasts and YouTube as major sources of financial education for investors. (0:02:49) How Rational Reminder grew after Dan ended his previous podcast and the demand for Canadian investing content. (0:03:47) The podcast reaches a record audience with over 384,000 views and downloads in January 2026. (0:04:19) Institutional investors—foundations, endowments, and unions—show increasing interest in PWL's low-cost index approach. (0:06:20) Why indexing can still be a difficult sell for institutional investment committees. (0:08:25) Peer effects in institutional investing: committees often hesitate to adopt strategies that seem unconventional. (0:09:11) 2026 marks 50 years since Vanguard launched the first retail index fund in 1976. (0:10:08) Ben moderates a panel at the New York Stock Exchange on the future of index investing. (0:11:55) Overview of the panel participants from Vanguard, S&P Dow Jones Indices, and the Investment Company Institute. (0:13:07) Discussion of research papers presented at the event examining index investing's market impact. (0:14:32) Historical context: the S&P 500 is currently as concentrated as it was in the mid-1960s. (0:15:36) The largest companies in 1965—AT&T, Kodak, GM, IBM—eventually faded from dominance. (0:17:43) A hidden advantage of cap-weighted indexing: investors automatically own future winners. (0:20:59) Debate about whether today's tech-heavy market concentration differs from past cycles. (0:23:30) The explosion of index funds and ETFs has created thousands of ways to implement passive strategies. (0:26:42) Technical improvements in ETF implementation, including lower tracking error and better hedging. (0:29:02) The "Vanguard Effect": index investing has driven massive reductions in investment fees. (0:29:38) Index funds account for about 23% of total U.S. market capitalization, not the commonly cited 50%. (0:32:48) Evidence suggesting index funds have not increased large-cap concentration in markets. (0:34:25) Passive funds represent only about 1–2% of daily trading activity. (0:36:16) Dispersion in stock returns remains high, meaning opportunities for active management still exist. (0:38:12) Panel begins: defining passive investing and why the term is more complex than it seems. (0:42:13) Who invests in index funds? Millions of households using them primarily for retirement savings. (0:45:22) How advisors and institutions use ETFs to build diversified long-term portfolios. (0:46:19) The surprising role of ETFs in trading and market liquidity. (0:48:30) The proliferation of niche ETFs raises questions about whether indexing has strayed from Bogle's vision. (0:49:49) Academic research offers conflicting views on indexing's effect on market efficiency. (0:52:27) Evidence suggests index fund growth has not increased market volatility. (0:54:25) Dispersion data shows indexing does not eliminate opportunities for stock picking. (0:57:15) Index funds own only about 30% of the U.S. stock market, leaving the majority in active hands. (0:59:42) Historical perspective: high market concentration has occurred before and eventually declined. (1:02:14) Research remains inconclusive about whether indexing harms markets. (1:05:25) Over 20 years, 94% of actively managed U.S. equity mutual funds underperformed the S&P 500. (1:06:20) Post-panel reflections and discussion with the Rational Reminder hosts. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

March 12, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about Power of the Purse and the community investment process. Listen to the podcast now!See omnystudio.com/listener for privacy information.

Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed in a Box 14:14 - What's Going to Happen to Yields? 15:38 - Risk Management Matters 16:59 - Narratives Work Both Ways 20:28 - Cheerios & Lucky Charms' 21:59 - Passive-Aggressive Markets 25:17 - The Rotation of Assets 29:34 - Taking Stock of Volatility 33:01 - Retail Investors are Trading the Market 34:07 - Options Trading - Much more speculative 39:49 - Fixed Income, Bonds, & Yields ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jbpipFjnakQ ------- Watch our previous show, "Q & A Wednesday: Ask Us Anything," here: https://youtube.com/live/uFdhcR6QBKI -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle

Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed in a Box 14:14 - What's Going to Happen to Yields? 15:38 - Risk Management Matters 16:59 - Narratives Work Both Ways 20:28 - Cheerios & Lucky Charms' 21:59 - Passive-Aggressive Markets 25:17 - The Rotation of Assets 29:34 - Taking Stock of Volatility 33:01 - Retail Investors are Trading the Market 34:07 - Options Trading - Much more speculative 39:49 - Fixed Income, Bonds, & Yields ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jbpipFjnakQ ------- Watch our previous show, "Q & A Wednesday: Ask Us Anything," here: https://youtube.com/live/uFdhcR6QBKI -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle

February 19, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about helping ALICE families, ALICE for Work, and Power of the Purse. Listen to the podcast now!See omnystudio.com/listener for privacy information.

February 12, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about Power of the Purse, their new website, and helping ALICE families. Listen to the podcast now!See omnystudio.com/listener for privacy information.

February 5, 2026 - Debbie Bogle joined Byers & Co to talk about the world of estate sales, her passion for the hobby, and all that goes into an estate sales business. Listen to the podcast now!See omnystudio.com/listener for privacy information.

In this powerful message, we're reminded that spiritual drift rarely happens all at once - it happens slowly, through small, subtle choices. We unpack how the double-edged sword of discipline and the calibration of community keep us in alignment with God's purposes, and how a simple one-degree adjustment can reposition our lives for everything He has promised.

January 22, 2026 - Debbie Bogle of the United Way joined Byers & Co to talk about help for ALICE families, early fundraisers and the new year. Listen to the podcast now!See omnystudio.com/listener for privacy information.

This week, Amber covers the devastating murder of Melissa Lamesch and her unborn son Barrett. Then, Naomi tells the story of one of Australia's most persistent and fascinating mysteries: who killed Gilbert Bogle and Margaret Chandler? For this episode, Amber was drinking a blood orange San PellegrinoAmber's Sources:  People Magazine Investigates S E  8 “Inferno of Lies”Illinois firefighter accused of staging a house fire to cover up a murder — and a secret - CBS News‘48 Hours' episode details 2020 murder of Mt. Morris womanNaomi's Sources: https://en.wikipedia.org/wiki/Bogle%E2%80%93Chandler_casehttps://www.australiangeographic.com.au/history-culture/2025/01/great-aussie-mysteries/https://www.museumoflost.com/the-bogle-chandler-case/https://www.abc.net.au/two-women-may-hold-answer-to-bogle-chandler-casehttps://dictionaryofsydney.org/blog/the_bogle_chandler_mysteryhttps://www.smh.com.au-twist-in-gilbert-bogle-margaret-chandler-murder-mystery  Support the showGo check out our patreon page athttps://www.patreon.com/crimewineandchaosFor more information about Crime, Wine & Chaos, or to simply reach out and say "hi,"https://www.crimewineandchaos.comCrime, Wine & Chaos is produced by 8th Direction Records. Music by Jeremy Williams. Artwork by Joshua M. DavisAmber is the vocalist in the band, Tin Foil Top Hat. You can find more of her work on all of the music streaming platforms or athttps://www.tinfoiltophat.comNaomi has a twenty year career in tech, and a lifetime interest in all things macabre. She walked away from #startuplife to strike a new path rooted in service. You can find out more about the work she's focused on, support those initiatives, and keep up on her socials here: https://linktr.ee/missgnomers

Questions? Comments?You and Tom spend this episode unpacking a surprisingly liberating idea for investors: that average is good enough. Kicking off with your own story about a two-star podcast rating, you two stumble into a bigger truth—most people are chasing a level of portfolio perfection that doesn't matter. Christine Benz's Morningstar piece becomes the backbone of the discussion, contrasting “maximizers” (engineers, tinkerers, over-optimizers) with “satisfizers” (simple, diversified, sane). From there you hit Tesla's trillion-dollar pay package drama, Bito's goofy “dividends,” SGOV vs. CD ladders, fears about private equity sneaking into retirement plans, and a few classic Don-and-Tom tangents. The message: stop overthinking, build a sensible portfolio, and go live your life.0:04 Don's two-star review existential crisis and the epiphany about doing things for joy1:16 Why being “average” in investing (and life) is perfectly fine1:45 Elon Musk compensation debate and ETF shareholders not getting a vote3:12 Don's “brilliant raving lunatic” take on Elon and Tesla's dominance4:38 The kings of tangentiality finally introduce the show5:55 Christine Benz and the “Good Enough Portfolio” philosophy6:36 Maximizers vs. satisfizers explained (plus Bogle bobbleheads)8:53 Why over-optimization rarely improves results9:56 Happiness and second-guessing: satisfizers win11:22 Time costs, tax worries, and the illusion of finding a perfect portfolio12:33 Two-fund vs. ten-fund portfolios and why simplicity works13:55 Working harder doesn't usually make you richer—your job does14:25 Listener letter: long-time fan from Silverdale reminisces about 198815:26 Tom recalls being put on the air after several glasses of wine16:03 Acorns user asks about BITO's wild “dividends”18:10 Why BITO's payouts are actually return of capital and cannibalization19:58 BITO's volatility roller-coaster (standard deviation 53)20:12 SGOV vs. CD ladders for short-term retirement cash22:07 Why emergency funds shouldn't sit in a Roth IRA22:58 Listener concerned about private equity creeping into 401(k)s23:52 PE risks, political pressure, and greater-fool concerns25:27 Don thanks listener “AlwaysLearning1953” for the positive review26:49 Murder of Crows, sound effects, and the power of scary crows27:36 New Tales Told update—more stories on the way28:38 Saturday live show reminder and flyover banter28:58 Don's Kansas/Leavenworth childhood story detourLearn more about your ad choices. Visit megaphone.fm/adchoices

You and Tom spend this episode unpacking a surprisingly liberating idea for investors: that average is good enough. Kicking off with your own story about a two-star podcast rating, you two stumble into a bigger truth—most people are chasing a level of portfolio perfection that doesn't matter. Christine Benz's Morningstar piece becomes the backbone of the discussion, contrasting “maximizers” (engineers, tinkerers, over-optimizers) with “satisfizers” (simple, diversified, sane). From there you hit Tesla's trillion-dollar pay package drama, Bito's goofy “dividends,” SGOV vs. CD ladders, fears about private equity sneaking into retirement plans, and a few classic Don-and-Tom tangents. The message: stop overthinking, build a sensible portfolio, and go live your life. 0:04 Don's two-star review existential crisis and the epiphany about doing things for joy 1:16 Why being “average” in investing (and life) is perfectly fine 1:45 Elon Musk compensation debate and ETF shareholders not getting a vote 3:12 Don's “brilliant raving lunatic” take on Elon and Tesla's dominance 4:38 The kings of tangentiality finally introduce the show 5:55 Christine Benz and the “Good Enough Portfolio” philosophy 6:36 Maximizers vs. satisfizers explained (plus Bogle bobbleheads) 8:53 Why over-optimization rarely improves results 9:56 Happiness and second-guessing: satisfizers win 11:22 Time costs, tax worries, and the illusion of finding a perfect portfolio 12:33 Two-fund vs. ten-fund portfolios and why simplicity works 13:55 Working harder doesn't usually make you richer—your job does 14:25 Listener letter: long-time fan from Silverdale reminisces about 1988 15:26 Tom recalls being put on the air after several glasses of wine 16:03 Acorns user asks about BITO's wild “dividends” 18:10 Why BITO's payouts are actually return of capital and cannibalization 19:58 BITO's volatility roller-coaster (standard deviation 53) 20:12 SGOV vs. CD ladders for short-term retirement cash 22:07 Why emergency funds shouldn't sit in a Roth IRA 22:58 Listener concerned about private equity creeping into 401(k)s 23:52 PE risks, political pressure, and greater-fool concerns 25:27 Don thanks listener “AlwaysLearning1953” for the positive review 26:49 Murder of Crows, sound effects, and the power of scary crows 27:36 New Tales Told update—more stories on the way 28:38 Saturday live show reminder and flyover banter 28:58 Don's Kansas/Leavenworth childhood story detour Learn more about your ad choices. Visit megaphone.fm/adchoices

In this power-packed message, Rich exposes the subtle grip of spiritual complacency - the quiet force that dulls our passion, derails our assignment, and drains the fire from our faith. He unpacks how to break free from passivity and step into purpose, reigniting a faith that engages and endures to create a legacy that lasts. Because legacy begins, where apathy ends.

Support the Roman Forum: https://www.romanforum.org/What is the Roman Forum: https://youtu.be/gwNSwFUsd7ARoman Forum 2025 Playlist https://www.youtube.com/playlist?list=PL68P1D5BPUmelJajzKn_Oz8_b1EBGCeqDFollow us on Rumble! https://rumble.com/c/c-390435Twitter: https://x.com/CFNonX#catholic #traditionallatinmass #traditionalcatholic #sspx #latinmass #fssp

This just in! Social Security announced the Cost of Living Adjustment for 2026. Listen on the ASG podcast for the official numbers and how the COLA increase impacts your clients.   Read the text version  

I keep hearing how the industry has to change, how Gen Z is aren't drinking wine, how the trade is slow to do anything....until you speak with Abby Bogle. She is the type of enthusiasm and drive that is needed to move with the times. You have all heard me say that "time will tell" and that "all generations come around to the proper glass of wine." What Abby is doing is making the proper glass of wine more accessible.  Be careful, she is a bit infectious. Abby Bogle is not your average disruptor—she's bottling up tradition, cracking open innovation, and pouring new life into the wine industry one mini-bottle at a time. You'll discover how Abby moved from the heart of Texas wine country to leading a revolution in single-serve wine formats that could change how generations experience wine. This conversation uncorks why classic 750ml bottles are struggling to captivate younger drinkers and what it will take for wine to rival the convenience of seltzers and cocktails. Abby reveals the secrets behind fractionalization—how her company, Small Lot Bottles, transforms wines into TSA-friendly miniatures for education, gifting, and direct-to-consumer sales. You'll learn why canned wines fizzled, why PET plastic just doesn't cut it, and how glass keeps wine's integrity intact. The discussion dives into the technical challenges of bottling, shelf life, and the sophisticated use of Coravin's argon technology to preserve taste and tradition. Paul and Abby muse on the frustrations of shipping wine, navigating legal hurdles, and why Gen Z consumers might grab a can of hard seltzer before ever considering a can of wine. As the conversation flows, you'll gain a behind-the-scenes look at how wineries are adapting, how industry innovators like Paul Mabray are influencing change, and why experience matters more than size. You'll come away understanding how the wine world is responding to declining sales, changing demographics, and the demand for something different—plus, you'll hear about Texas' own pioneering vineyards and what it means for the future. If you're wondering where wine is headed, pull up a glass—this episode will give you more than just a taste of tomorrow's wine culture.     Small Lot Bottles Abby Bogle is owner and CEO of Small Lot Bottles. Their website is: https://smalllotbottles.com Napa Valley Wine Academy https://napavalleywineacademy.com Coravin https://coravin.com Wine Foundry https://www.winefoundry.com Oakville Grocery (Oakville Grocer) https://oakvillegrocery.com Culinary Institute of America https://www.ciachef.edu Quarter Masters of America's  Wine education partner: https://www.mastersommeliers.org Knox & Dobson https://knoxanddobson.com #wineindustry #fractionalization #smallformatbottles #wineinnovation #GenZwine #winetrends #winepackaging #wineexperience #directtoconsumer #wineeducation #NapaValleyWineAcademy #winesampling #Coravin #miniwinebottles #Texaswine #ONDseason #winesustainability #winewastesolutions #alternativewineformats #winerymarketing #winegifting #podcastinterview

Questions? Comments?Don and Tom open with banter about the weather, baseball playoffs, and studio quirks before diving into what it means to be a “millionaire” today versus in 1890. They explore how much of modern net worth is illiquid, why home equity and retirement funds can trap wealth, and how planning for liquidity and income is crucial. The conversation transitions into a discussion of market volatility, rare earth trade tensions with China, and Brett Arends' critique of index investing. They counter with historical perspective, humor (and potato chips), and advice about risk, rebalancing, and human behavior. Later, listener calls cover portfolio structure, Empower vs. Vanguard advisor options, and evaluating advisor fees and fund costs. The show closes with their classic blend of education, sarcasm, and fiduciary realism.0:04 Opening banter, phone number, Florida “cold front,” and baseball chatter2:33 Topic intro: What a million dollars means now vs. 18903:58 Comparing historic vs. modern millionaires and net worth equivalency4:43 The illusion of wealth—why 70% of assets are often inaccessible5:30 Planning for liquidity: why paying off a mortgage too early can backfire6:37 Don's retirement planning promo7:39 Historical comparison: 1890s Gilded Age vs. today's millionaire stats8:19 Market globalization and modern wealth concentration9:43 Rare earths and the U.S.–China tariff skirmish10:22 Market check: stocks, bonds, and gold all dip; volatility talk12:04 Don's “unnamed thing” (Bitcoin) drops 10.5%; discussion on risk and rebalancing13:48 Don shifts to 60/40 allocation—explains rationale near retirement14:34 Brett Arends' “Dumbest Stock Market in History” critique discussed16:00 Debate: Are index investors stabilizing markets through consistency?17:19 Potato chip tangent and investor psychology18:32 Arends' bearishness vs. evidence-based investing20:00 Protecting your psyche, not every dollar, from market declines20:20 Podcasting history—when Talking Real Money began21:32 Caller Samir (Virginia): $4M net worth, suffering from “hodgepodge-itis”24:15 Don and Tom's prescription: stop investing until you have a plan25:42 Margin loan temptation and why 10.5% interest kills the idea27:00 Tom reinforces the need for a fiduciary planner27:32 Caller Chris (Texas): moving from Empower to Vanguard PAS29:21 Vanguard vs. Empower: conflicts, fund choices, and planning gaps31:46 “Half-pregnant” advice models and Bogle's legacy examined34:20 Broader critique: single-provider risk and investor behavior35:54 Caller Dave (Olympia): evaluating returns, fees, and portfolio costs37:50 What's a reasonable expense ratio and advisor fee range39:24 Final takeaway: judge portfolios by structure, not short-term returnsLearn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom open with banter about the weather, baseball playoffs, and studio quirks before diving into what it means to be a “millionaire” today versus in 1890. They explore how much of modern net worth is illiquid, why home equity and retirement funds can trap wealth, and how planning for liquidity and income is crucial. The conversation transitions into a discussion of market volatility, rare earth trade tensions with China, and Brett Arends' critique of index investing. They counter with historical perspective, humor (and potato chips), and advice about risk, rebalancing, and human behavior. Later, listener calls cover portfolio structure, Empower vs. Vanguard advisor options, and evaluating advisor fees and fund costs. The show closes with their classic blend of education, sarcasm, and fiduciary realism. 0:04 Opening banter, phone number, Florida “cold front,” and baseball chatter 2:33 Topic intro: What a million dollars means now vs. 1890 3:58 Comparing historic vs. modern millionaires and net worth equivalency 4:43 The illusion of wealth—why 70% of assets are often inaccessible 5:30 Planning for liquidity: why paying off a mortgage too early can backfire 6:37 Don's retirement planning promo 7:39 Historical comparison: 1890s Gilded Age vs. today's millionaire stats 8:19 Market globalization and modern wealth concentration 9:43 Rare earths and the U.S.–China tariff skirmish 10:22 Market check: stocks, bonds, and gold all dip; volatility talk 12:04 Don's “unnamed thing” (Bitcoin) drops 10.5%; discussion on risk and rebalancing 13:48 Don shifts to 60/40 allocation—explains rationale near retirement 14:34 Brett Arends' “Dumbest Stock Market in History” critique discussed 16:00 Debate: Are index investors stabilizing markets through consistency? 17:19 Potato chip tangent and investor psychology 18:32 Arends' bearishness vs. evidence-based investing 20:00 Protecting your psyche, not every dollar, from market declines 20:20 Podcasting history—when Talking Real Money began 21:32 Caller Samir (Virginia): $4M net worth, suffering from “hodgepodge-itis” 24:15 Don and Tom's prescription: stop investing until you have a plan 25:42 Margin loan temptation and why 10.5% interest kills the idea 27:00 Tom reinforces the need for a fiduciary planner 27:32 Caller Chris (Texas): moving from Empower to Vanguard PAS 29:21 Vanguard vs. Empower: conflicts, fund choices, and planning gaps 31:46 “Half-pregnant” advice models and Bogle's legacy examined 34:20 Broader critique: single-provider risk and investor behavior 35:54 Caller Dave (Olympia): evaluating returns, fees, and portfolio costs 37:50 What's a reasonable expense ratio and advisor fee range 39:24 Final takeaway: judge portfolios by structure, not short-term returns Learn more about your ad choices. Visit megaphone.fm/adchoices

We press forward through trials. A faith that preserves is a faith that takes down giants, and stands victorious when the dust settles. In this faith-filled message, Rich encourages us to trust in our God, who doesn't need perfect conditions to do powerful things. 

Don and Tom break down the overhyped expectations around recent market returns, referencing Jason Zweig's analysis of 230 years of stock market data. They emphasize that spending and saving habits matter more than chasing 15% returns, and explain why realistic planning using a 3–6% real return assumption over 30-year rolling periods is more prudent. They also tackle questions about RMD strategies from Vanguard IRAs and the TSP's F and G bond funds. The show ends with a tongue-in-cheek breakdown of NFL team valuations—yes, the Raiders rank surprisingly high. 0:04 Welcome, fatuousness defined, and realistic investing begins 0:52 Why you shouldn't expect 15% returns forever—even if you got them 1:52 What Jason Zweig's long-term data reveals about stock returns 2:51 Bogle warned us not to expect high returns—now what? 4:16 Spending and saving: more important than investing performance 5:08 Don's “prepaid gains” analogy for future expectations 7:00 Real market returns since 1793—spoiler: they're not 15% 8:58 Stocks might only beat inflation by 3%—and that's still a win 9:45 Start saving early: waiting until 50 is a losing game 10:18 How to plan with lower expected returns (realistic scenarios) 11:56 Use expected return to guide your savings rate (3% = save 20%) 13:45 “You weren't smart. You were lucky.” Now diversify. 15:31 Tom's wife dreads football season—Don celebrates Chiefs loss 18:42 Listener RMD question: Which ETFs get tapped at Vanguard? 19:29 Bonds are back: fixed income up ~6% this year 20:24 Rebalancing vs. just selling: how to handle RMDs smartly 21:04 Raiders rank #4 in NFL valuations… but why? 24:36 Top NFL team values: Cowboys rule, Cardinals drool 27:27 Arizona sports: low attendance, low valuations 28:59 TSP question: F fund vs. G fund—what to use, when 30:25 Don favors the G fund for simplicity and ballast 31:45 Tom and Don disagree—F fund might return more, but… 32:26 Don's vegetable-spiked coffee and Justin's final TSP allocation 34:13 Listener Barbara has multiple annuities—Don and Tom say, “Yikes” 35:47 Why you probably talked to a salesperson, not a fiduciary 37:04 The free Appella consultation is steak-free and no-pressure Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?Don and Tom break down the overhyped expectations around recent market returns, referencing Jason Zweig's analysis of 230 years of stock market data. They emphasize that spending and saving habits matter more than chasing 15% returns, and explain why realistic planning using a 3–6% real return assumption over 30-year rolling periods is more prudent. They also tackle questions about RMD strategies from Vanguard IRAs and the TSP's F and G bond funds. The show ends with a tongue-in-cheek breakdown of NFL team valuations—yes, the Raiders rank surprisingly high.0:04 Welcome, fatuousness defined, and realistic investing begins0:52 Why you shouldn't expect 15% returns forever—even if you got them1:52 What Jason Zweig's long-term data reveals about stock returns2:51 Bogle warned us not to expect high returns—now what?4:16 Spending and saving: more important than investing performance5:08 Don's “prepaid gains” analogy for future expectations7:00 Real market returns since 1793—spoiler: they're not 15%8:58 Stocks might only beat inflation by 3%—and that's still a win9:45 Start saving early: waiting until 50 is a losing game10:18 How to plan with lower expected returns (realistic scenarios)11:56 Use expected return to guide your savings rate (3% = save 20%)13:45 “You weren't smart. You were lucky.” Now diversify.15:31 Tom's wife dreads football season—Don celebrates Chiefs loss18:42 Listener RMD question: Which ETFs get tapped at Vanguard?19:29 Bonds are back: fixed income up ~6% this year20:24 Rebalancing vs. just selling: how to handle RMDs smartly21:04 Raiders rank #4 in NFL valuations… but why?24:36 Top NFL team values: Cowboys rule, Cardinals drool27:27 Arizona sports: low attendance, low valuations28:59 TSP question: F fund vs. G fund—what to use, when30:25 Don favors the G fund for simplicity and ballast31:45 Tom and Don disagree—F fund might return more, but…32:26 Don's vegetable-spiked coffee and Justin's final TSP allocation34:13 Listener Barbara has multiple annuities—Don and Tom say, “Yikes”35:47 Why you probably talked to a salesperson, not a fiduciary37:04 The free Appella consultation is steak-free and no-pressureLearn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom mark Labor Day weekend with a lively discussion of the so-called September Effect—Wall Street's superstition about historically negative returns in September. They remind listeners that short-term market timing is a losing strategy and that knowing (not guessing) your risk tolerance and asset allocation matters most. The conversation ranges from Florida's endless summer and biblical rains to ETF overload, collective investment trusts, tax quirks, and the futility of dodging volatility. Along the way, there's humor about Costco, fertilizer, wrong numbers, and shameless plugs for Don's LitReading podcast. 0:04 Labor Day banter, Florida heat, biblical rains, Asheville trip 2:12 September Effect explained—history and hype 4:41 Why you should know, not do, with your portfolio 6:15 Average September returns since 1928 and investor psychology 8:28 Market timing pitfalls and missing best days 10:28 Costco's Jim Sinegal quote and life's sugar vs. manure metaphor 12:29 Bogle wisdom: don't peek at your portfolio 14:05 Listener correction: senior deduction phase-out details 19:14 Don plugs LitReading's return with an O. Henry story 20:34 ETF explosion—4,300 funds in U.S., 12,000 worldwide 26:15 How to eliminate bad ETFs (fees, leverage, active management) 29:11 Don tests a new GPS analogy ad for Appella Wealth 31:12 Listener question on state tax burdens (California vs. Washington) 34:05 Call-in about 401(k) funds converting to CITs 37:19 CIT regulations, reporting, and transparency explained 39:39 Apple vs. Spotify podcast listener demographics Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?Don and Tom mark Labor Day weekend with a lively discussion of the so-called September Effect—Wall Street's superstition about historically negative returns in September. They remind listeners that short-term market timing is a losing strategy and that knowing (not guessing) your risk tolerance and asset allocation matters most. The conversation ranges from Florida's endless summer and biblical rains to ETF overload, collective investment trusts, tax quirks, and the futility of dodging volatility. Along the way, there's humor about Costco, fertilizer, wrong numbers, and shameless plugs for Don's LitReading podcast.0:04 Labor Day banter, Florida heat, biblical rains, Asheville trip2:12 September Effect explained—history and hype4:41 Why you should know, not do, with your portfolio6:15 Average September returns since 1928 and investor psychology8:28 Market timing pitfalls and missing best days10:28 Costco's Jim Sinegal quote and life's sugar vs. manure metaphor12:29 Bogle wisdom: don't peek at your portfolio14:05 Listener correction: senior deduction phase-out details19:14 Don plugs LitReading's return with an O. Henry story20:34 ETF explosion—4,300 funds in U.S., 12,000 worldwide26:15 How to eliminate bad ETFs (fees, leverage, active management)29:11 Don tests a new GPS analogy ad for Appella Wealth31:12 Listener question on state tax burdens (California vs. Washington)34:05 Call-in about 401(k) funds converting to CITs37:19 CIT regulations, reporting, and transparency explained39:39 Apple vs. Spotify podcast listener demographicsLearn more about your ad choices. Visit megaphone.fm/adchoices

On January 1st, 1963, the bodies of Dr. Gilbert Bogle and Margaret Chandler were found on the banks of the Lane Cove River in Sydney, Australia. The “Bogle-Chandler Mystery” became infamous due to the circumstances in which the bodies were found and because the cause of death could not be established. Join Mike and Gibby as they discuss the Bogle-Chandler mystery. Affairs, open marriages, an unidentified third person, and the way the two deceased individuals were found made this a very salacious case. The mystery lies in the fact that the medical examiner couldn't say for sure how the couple died, although he did rule their deaths unnatural. All of this had led to a multitude of theories over the years, with one seemingly gaining more traction than the rest.You can help support the show at patreon.com/truecrimeallthetimeVisit the show's website at truecrimeallthetime.com for contact, merchandise, and donation informationAn Emash Digital productionSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Clay shares John Bogle's timeless philosophy of passively investing in low-cost index funds. Bogle, the founder of Vanguard, helped spark a global movement that has made investing more accessible and cost-effective. Today, Vanguard manages over $10 trillion in assets, and Bogle's simple approach has been adopted by millions worldwide, collectively saving investors trillions of dollars in fees over the years. IN THIS EPISODE YOU'LL LEARN: 00:00 - Intro 03:34 - How John Bogle's index fund philosophy revolutionized investing. 05:46 - Why most active mutual fund managers underperform the S&P 500 over time. 25:11 - How to estimate realistic future returns for the S&P 500. 31:50 - How fees and taxes quietly erode investment returns. 50:23 - Why index funds are easier to hold onto during market crashes. 52:11 - Why Clay chose not to invest in index funds at this point in his investment journey. Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join Clay and a select group of passionate value investors for a retreat in Big Sky, Montana. Learn more ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. John Bogle's book, The Little Book of Common Sense Investing. Nick Magguilli's book, Just Keep Buying. Related Episode: MI167: The Bogle Effect w/ Eric Balchunas. Related Episode: TIP709: The Art of Long-Term Investing w/ Francois Rochon. Related Episode: TIP734: My Investment Philosophy w/ Clay Finck. Follow Clay on X and LinkedIn. Check out all the books mentioned and discussed in our podcast episodes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy ad-free episodes when you subscribe to our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We Study Billionaires Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes (complete with transcripts) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance Tool⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORS Support our free podcast by supporting our ⁠sponsors⁠: SimpleMining Hardblock AnchorWatch Human Rights Foundation Cape Unchained Vanta Shopify Onramp Abundant Mines HELP US OUT! Help us reach new listeners by leaving us a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rating and review⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support our show by becoming a premium member! ⁠⁠⁠⁠⁠https://theinvestorspodcastnetwork.supportingcast.fm⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

Don and Tom dive headfirst into the wild world of bad financial predictions—specifically, the apocalyptic ramblings of Rich Dad Poor Dad author Robert Kiyosaki. They dissect his decades-long streak of failed forecasts, poke holes in his fear-fueled pitch for gold, silver, and Bitcoin, and remind listeners that gurus don't predict the future—they profit from pretending they can. Listener questions cover 529 plan choices, 457(b) vs Roth IRA, the small-cap allocation in AVGE, and a plea for Don to never give up managing his own money. 0:04 Tom banned from pushing buttons—again 1:00 Why do we idolize financial “gurus” who are chronically wrong? 2:21 Enter Robert Kiyosaki: The doomsayer who keeps getting richer 3:05 Don confronts Kiyosaki over his bogus “guarantee” ad 3:53 His silver and market crash predictions: A 23-year flop fest 5:16 Latest Kiyosaki fear-pitch: Gold, silver, Bitcoin… again 6:37 His one right prediction (Bitcoin hitting $100K) 7:55 Critical reviews: Conspiracies, platitudes, and risky advice 9:22 Can Buffett, Lynch, or Bogle be called “gurus”? 10:24 Listener Q1: Fidelity 529 target date fund—too expensive? 11:26 UTANX and low-cost age-based 529 alternatives (like Utah's plan) 14:02 Listener Q2: Roth 457(b) with high fees vs Roth IRA 16:47 Listener Q3: Does AVGE need a separate small-cap fund? 19:10 Listener Q4: Should Don stop managing his own money? 21:08 Why everyone needs a backup advisor—even advisors 22:17 Don's voice acting love: Mighty Man Season 3 teaser 22:34 Listener Q5: AVUV vs AVGE—when and why to use each 24:20 AVGE asset breakdown—15 funds in one 26:12 Explaining the podcast schedule (Monday–Friday layout) 27:34 International listeners, Spotify vs Apple, and how to tune in Learn more about your ad choices. Visit megaphone.fm/adchoices

On New Year's Day in Sydney, Australia, two dead bodies are discovered near a river. Dr. Gilbert Bogle and Margaret Chandler are married – but not to each other. And both of their spouses have strong alibis.They're found just hours after dying, and yet experts can't determine what led to their deaths. There are no signs of violence; no trace of deadly substances. Were they killed by a jealous spouse, accidental poisoning, or an international conspiracy targeting Dr. Bogle, a renowned physicist who, some allege, was working on a top-secret project? Keep up with us on Instagram @theconspiracypod! Learn more about your ad choices. Visit podcastchoices.com/adchoices

When the bodies of Doctor Gilbert Bogle and Margaret Chandler were found along the banks of Sydney's Lane Cove River on New Year's Day 1963, scandal and suspicion erupted. The two were married – but not to each other – raising immediate questions of foul play. Yet as investigators peeled back the layers of this bizarre case, they found themselves tangled in a mystery far stranger than anyone had imagined.---Narration – Anonymous HostResearch & writing – Elsha McGillCreative direction – Milly RasoProduction & music – Mike MigasAudio editing – Anthony TelferSign up for Casefile Premium:Apple PremiumSpotify PremiumPatreonFor all credits and sources, please visit https://casefilepodcast.com/case-316-gilbert-bogle-margaret-chandler Hosted on Acast. See acast.com/privacy for more information.