Podcasts about candid coffee

Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don't miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It's not the same as “no tax on Social Security” for everyone—and the Social Security tax rules still depend on income thresholds that haven't kept up with inflation. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Mancards & Oven Replacements 3:21 - OBBA & Larger Tax Refunds 10:16 - The $6k Senior Tax Deduction 16:52 - Are You Mega Roth Eligible? 21:18 - The Super Saver Endorphen 24:24 - The Roth Aging Issue 27:25 - Changes in the AMT 30:56 - OBBA & Marginal Rates Will Go Up 36:10 - Candid Coffee Preview ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Dalio at Davos: Calm Markets, Hidden Currents," here: https://youtube.com/live/mippkxiCJQI -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) 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/ #RetirementPlanning #RothIRA #Roth401k #SocialSecurity #TaxPlanning

Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don't miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It's not the same as "no tax on Social Security" for everyone—and the Social Security tax rules still depend on income thresholds that haven't kept up with inflation. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Mancards & Oven Replacements 3:21 - OBBA & Larger Tax Refunds 10:16 - The $6k Senior Tax Deduction 16:52 - Are You Mega Roth Eligible? 21:18 - The Super Saver Endorphen 24:24 - The Roth Aging Issue 27:25 - Changes in the AMT 30:56 - OBBA & Marginal Rates Will Go Up 36:10 - Candid Coffee Preview ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Dalio at Davos: Calm Markets, Hidden Currents," here: https://youtube.com/live/mippkxiCJQI -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) 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/ #RetirementPlanning #RothIRA #Roth401k #SocialSecurity #TaxPlanning

Ray Dalio's Davos comments aren't a “next-week collapse” call—they're a long-cycle warning: rising debt supply can eventually force higher yields and tough policy trade-offs. Meanwhile, the S&P 500 looks calm on the surface, but sector/factor dispersion and low correlations show a fierce rotation under the hood. Lance Roberts & Michael Lebowitz examine the calm index ≠ calm market—watch dispersion and correlations for the next regime shift. 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 0:19 - Economic Reports Show Benefits of AI Data Centers 5:17 - Why The Dow Jones Index Matters Now 9:20 - WalMart Quarterly is Proxy for Staples 12:30 - Why WalMart Valuation Matters 15:53 - Periods of Rolling Bubbles 19:45 - Has AI Cap-ex Already Been Priced-in? 22:20 - The Value-Growth Rotation 24:01 - Fed Meeting Minutes Recap 26:57 - Debunking Dalio 33:13 - Dealing with Negative, Doom & Gloom Headlines 37:10 - Mortgage-backed Bond Exposure 41:18 - Could the Yield Curve Flatten? 43:09 - Is Kevin Warsh just Jerome Powell 2.0? 44:19 - Avoid Worrying About Things Out of Your Control ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mippkxiCJQI ------- Articles Mentioned in Today's Show: "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ ------- Watch our previous show, "Q&A Wednesday: Markets, Money, and Your Questions" here: https://youtube.com/live/3xyx42x5s44 -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy #RayDalio #Davos #MarketRotation #SP500 #RiskManagement

Markets pushed higher Wednesday morning and ran straight into a key technical "traffic jam" as the 20-day and 50-day moving averages converged near the same level. Late-day selling pulled prices back toward the 50-DMA, and with futures slightly lower this morning, the big question is whether buyers step back in—or whether we start to see a more routine digestion of gains. The bigger tell right now may be the Dow Jones Industrial Average. The Dow has notched nine consecutive months of gains, a streak that's historically rare over long market history. When runs like this extend, it doesn't automatically signal a crash—but it does increase the odds of corrective action. If a Dow pullback shows up, it can easily spill into the S&P 500 and NASDAQ through sentiment and positioning. Breadth is improving, with roughly 65% of S&P 500 stocks trading above their moving averages. That's supportive for trend health—yet it's also a double-edged sword. When participation rises broadly, markets can correct broadly as well, even if the primary trend remains intact. Bottom line: we're not talking about a major breakdown. But a 3–5% pullback would be completely normal given the Dow's extended run and the market's proximity to key moving averages. That's why this is a good window to take partial profits, rebalance risk, and maintain discipline. If/when a pullback arrives, it can create a more favorable entry point to put that capital back to work. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/zor3I7w1wLA --- Articles mentioned in this report: "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy

Ray Dalio's Davos comments aren't a "next-week collapse" call—they're a long-cycle warning: rising debt supply can eventually force higher yields and tough policy trade-offs. Meanwhile, the S&P 500 looks calm on the surface, but sector/factor dispersion and low correlations show a fierce rotation under the hood. Lance Roberts & Michael Lebowitz examine the calm index ≠ calm market—watch dispersion and correlations for the next regime shift. 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 0:19 - Economic Reports Show Benefits of AI Data Centers 5:17 - Why The Dow Jones Index Matters Now 9:20 - WalMart Quarterly is Proxy for Staples 12:30 - Why WalMart Valuation Matters 15:53 - Periods of Rolling Bubbles 19:45 - Has AI Cap-ex Already Been Priced-in? 22:20 - The Value-Growth Rotation 24:01 - Fed Meeting Minutes Recap 26:57 - Debunking Dalio 33:13 - Dealing with Negative, Doom & Gloom Headlines 37:10 - Mortgage-backed Bond Exposure 41:18 - Could the Yield Curve Flatten? 43:09 - Is Kevin Warsh just Jerome Powell 2.0? 44:19 - Avoid Worrying About Things Out of Your Control ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mippkxiCJQI ------- Articles Mentioned in Today's Show: "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ ------- Watch our previous show, "Q&A Wednesday: Markets, Money, and Your Questions" here: https://youtube.com/live/3xyx42x5s44 -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy #RayDalio #Davos #MarketRotation #SP500 #RiskManagement

It's Q&A Wednesday—your questions drive the show. Lance Roberts & Danny Ratliff break down what's moving markets right now, key economic and Fed signals to watch this week, and the practical portfolio decisions that matter most (risk, allocations, income, taxes, and retirement timing). Drop your question in the live chatroom and we'll tackle as many as we can. Topics we often cover: market volatility & trend levels, rates/inflation, sector rotation, retirement income, tax strategy, ETFs vs. individual bonds, and avoiding emotional decision-making. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Wrapping Earnings Season w Highest Revenue Growth Ever 4:38 - Markets Bounce off 100-DMA 6:47 - What's Next for Crude Oil & Energy Stocks? 9:40 - How Much Money is "Enough" to Retire On? 17:48 - Study: Coffee & Dementia 19:06 - Work Benefits vs Medicare 20:41 - Capital Allocation in Current Markets 23:19 - How to Plan for 2027 25:14 - Bloom Energy & Fuel Cell Tech 26:21 - Price Floor Effects on Trading, Employment & Metals 29:56 - Extended Car Warranty Pros & Cons 31:27 - How Much Trust in Forward Guidance? 32:55 - Is Palantir Over Sold? (Yes) 33:35 - Datacenter Rage vs Fiber Optics 35:00 - Corporate Stock Buy Backs vs AI Cap-Ex Spending 35:54 - Planning to Retire at 56 36:52 - Should You Wait Until 74 for Social Security? 39:09 - Market Rotation Velocity 40:28 - Coming Attractions ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3xyx42x5s44 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Bank, Brokerage, or Corporate Trustee? (It's a Matter of Trust)," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "1100-DMA Bounce: Range-Bound Markets & Energy Risk," is here: https://youtu.be/EJVtzKwAMG4 ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks #QandAWednesday #MarketOutlook #PortfolioRisk #RetirementPlanning #InvestingEducation

Markets tested the 100-day moving average (100-DMA) and buyers stepped in—exactly where many systematic and algorithmic strategies tend to respond. Futures are pointing higher this morning, but that doesn't automatically mean the selloff is finished. Momentum remains weak and the market is still on a sell signal, which often sets up a choppy, range-bound environment without a clear catalyst. We also discuss why "chasing winners" can get dangerous late in an extended run—highlighted by Walmart's sharp drop after a strong advance. In commodities, crude oil is trying to stabilize, but remains on a sell signal at elevated levels. If support near ~$62 fails, the next downside zone could pull oil into the mid-to-high $50s—potentially helping inflation prints while pressuring Energy stocks. Energy sector momentum is stretched and nearing a sell signal from a high level. If you've been riding Energy higher, this may be a prudent window to rebalance risk and harvest gains—rather than waiting for the market to do it for you. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/EJVtzKwAMG4 --- Articles mentioned in this report: "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks

It's Q&A Wednesday—your questions drive the show. Lance Roberts & Danny Ratliff break down what's moving markets right now, key economic and Fed signals to watch this week, and the practical portfolio decisions that matter most (risk, allocations, income, taxes, and retirement timing). Drop your question in the live chatroom and we'll tackle as many as we can. Topics we often cover: market volatility & trend levels, rates/inflation, sector rotation, retirement income, tax strategy, ETFs vs. individual bonds, and avoiding emotional decision-making. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Wrapping Earnings Season w Highest Revenue Growth Ever 4:38 - Markets Bounce off 100-DMA 6:47 - What's Next for Crude Oil & Energy Stocks? 9:40 - How Much Money is "Enough" to Retire On? 17:48 - Study: Coffee & Dementia 19:06 - Work Benefits vs Medicare 20:41 - Capital Allocation in Current Markets 23:19 - How to Plan for 2027 25:14 - Bloom Energy & Fuel Cell Tech 26:21 - Price Floor Effects on Trading, Employment & Metals 29:56 - Extended Car Warranty Pros & Cons 31:27 - How Much Trust in Forward Guidance? 32:55 - Is Palantir Over Sold? (Yes) 33:35 - Datacenter Rage vs Fiber Optics 35:00 - Corporate Stock Buy Backs vs AI Cap-Ex Spending 35:54 - Planning to Retire at 56 36:52 - Should You Wait Until 74 for Social Security? 39:09 - Market Rotation Velocity 40:28 - Coming Attractions ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3xyx42x5s44 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Bank, Brokerage, or Corporate Trustee? (It's a Matter of Trust)," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "1100-DMA Bounce: Range-Bound Markets & Energy Risk," is here: https://youtu.be/EJVtzKwAMG4 ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks #QandAWednesday #MarketOutlook #PortfolioRisk #RetirementPlanning #InvestingEducation

Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just “lowest fees,” including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) 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/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning

Markets held the 100-DMA on Friday, but that support is in focus again today. The bigger issue is a negative divergence: price has risen while momentum and relative strength have faded. If the 100-DMA breaks, the next key level is the 200-DMA near 6,650—so stay disciplined on allocations, concentration, and risk. Breadth is improving: the gap between market-cap and equal-weight has narrowed, and equal-weight has led over the past six months. Energy, Utilities, Industrials, and Materials have been driving gains, but several are getting extended—take profits and rebalance where needed. Also watch Technology: it's oversold, and even a modest rebound could quickly shift leadership back toward mega-cap performance. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/Qkkl5m8hY7w --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation

Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just "lowest fees," including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) 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/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning

Happy Presidents Day—today's show blends portfolio risk management with real-life planning (and a little chili controversy). We break down margin debt and how leverage turns routine volatility into forced selling and permanent losses. Then we pivot to weddings, pre-nups, and money conversations—what couples should sort out early to protect goals and reduce future stress. Next, we tackle the "one stock forever" question: why the idea is tempting, where concentration risk shows up, and what characteristics investors are really looking for (durable cash flows, pricing power, strong balance sheets). We wrap with the reflation trade—what typically works when growth/inflation narratives heat up, and how valuation can bite when the story gets crowded. Educational only—not individualized investment advice. 0:00 - INTRO 0:22 - Margin Debt & Losing It All 12:08 - Planning Weddings 16:23 - When Should a Pre-nupt be used? 21:20 -The One Stock You'd Buy if You Could Only Buy One 24:32 - The Reflation Trade and Chili: Beans or No Beans Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisors, Danny Ratliff, CFP, & Jonathan Penn, CFP, and w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Duct Tape & WD-40 Your Portfolio Together," here: https://youtube.com/live/EsweZ6GtMvI?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Keeps Stocks Flat," is here: https://youtu.be/8iyhck2LBpY ------- Visit our E-book Library (no library card required!) 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/ #MarginDebt #RiskManagement #FinancialPlanning #ReflationTrade #InvestingPsychology

What happens when the “perfect” financial plan doesn't happen—your kid skips college, your retirement clock is ticking, and the family budget gets ambushed by costs you never saw coming? Jon Penn and Jonathan McCarty connect three real-world money stress points that are showing up everywhere right now: 1) The kid isn't going to college—now what about that 529? 2) Retirement vs. college: the household tug-of-war 3) Hidden car ownership costs: the budget killer after the dealership 0:00 - INTRO 0:21 - Market Futures & Precious Metals 2:33 - Rising Costs of automobiles & maintenance 5:27 - Rising Cost of Auto Insurance 10:45 - Kids' First Cars & Replacements 15:14 - What Happens to 529 Plans Leftover? 22:11 - The Increased Cost of Education 26:39 - Construction Technology 28:26 - Rolling 529 Funds into an "Able Account" 29:14 - Saving for Retirement vs Saving for College 33:45 - Two Themes to Retirement 34:45 - Subsidized vs Unsubsidized Student Loans 36:37 - FAFSA & CCS 38:01 - Rosso's Retirement Plans 39:48 - YouTube Poll 42:49 - Escalating Health Insurance Costs Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Gy9w2-v1EyE ------- Articles mentioned in this report: "BLS Labor Report Defies Consensus" https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/ --- Watch our previous show, "The Value Rotation Illusion," here: https://youtube.com/live/2133YnloEBo?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Rally Risk - Overbought Markets," is here: https://youtu.be/ioOGa5YHzDI ------- Visit our E-book Library (no library card required!) 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/ #529Plan #RetirementPlanning #CollegePlanning #PersonalFinance #CostOfCarOwnership #BucceesBeaverNuggets

What happens when the "perfect" financial plan doesn't happen—your kid skips college, your retirement clock is ticking, and the family budget gets ambushed by costs you never saw coming? Jon Penn and Jonathan McCarty connect three real-world money stress points that are showing up everywhere right now: 1) The kid isn't going to college—now what about that 529? 2) Retirement vs. college: the household tug-of-war 3) Hidden car ownership costs: the budget killer after the dealership 0:00 - INTRO 0:21 - Market Futures & Precious Metals 2:33 - Rising Costs of automobiles & maintenance 5:27 - Rising Cost of Auto Insurance 10:45 - Kids' First Cars & Replacements 15:14 - What Happens to 529 Plans Leftover? 22:11 - The Increased Cost of Education 26:39 - Construction Technology 28:26 - Rolling 529 Funds into an "Able Account" 29:14 - Saving for Retirement vs Saving for College 33:45 - Two Themes to Retirement 34:45 - Subsidized vs Unsubsidized Student Loans 36:37 - FAFSA & CCS 38:01 - Rosso's Retirement Plans 39:48 - YouTube Poll 42:49 - Escalating Health Insurance Costs Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Gy9w2-v1EyE ------- Articles mentioned in this report: "BLS Labor Report Defies Consensus" https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/ --- Watch our previous show, "The Value Rotation Illusion," here: https://youtube.com/live/2133YnloEBo?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Rally Risk - Overbought Markets," is here: https://youtu.be/ioOGa5YHzDI ------- Visit our E-book Library (no library card required!) 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/ #529Plan #RetirementPlanning #CollegePlanning #PersonalFinance #CostOfCarOwnership #BucceesBeaverNuggets

“Value is back,” the headlines say—so investors rush from mega-cap growth into “boring” staples, utilities, and healthcare. But here's the problem: sector labels aren't valuation metrics. In many cases, the so-called “value rotation” is an illusion—because investors may be rotating into expensive stocks while selling the actual value hiding inside “growth.” Lance Roberts & Michael Lebowitz break down why value and growth aren't mutually exclusive, and why the market's favorite shortcut—“defensives = value, tech = growth”—can lead to costly portfolio mistakes. 0:00 - INTRO 0:19 - Employment Numbers Surprise 6:01 - Why We're Setting Up for a Dollar Rally 14:05 - Gasoline Price Comparisons 15:59 - Value Stocks & Market Rotations 19:36 - Defining "Growth" vs "Value" 21:22 - Buying the Future, not the Past 22:38 - The Problem w Forward Earnings 28:06 - How Passive Flows Drive Markets Higher 32:01 - Overbought Markets Can Remain So for a Long Time 35:01 - How the Dow Industrials Have Shifted 37:57 - Employment is Not as Strong as Hoped (It's garbage) 39:57 - Expect Revisions Next Year 43:11 - Friday Inflation-Truflation Report Preview 45:34 - ISM Index Anecdotal Evidence Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2133YnloEBo?feature=share ------- Articles mentioned in this report: "BLS Labor Report Defies Consensus" https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/ --- Watch our previous show, "Q&A Wednesday: You Ask 'em, We'll Answer," here: https://www.youtube.com/watch?v=6sI0zNQTCyE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Dollar Rally Risk - Overbought Markets," is here: https://youtu.be/ioOGa5YHzDI ------- Visit our E-book Library (no library card required!) 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/ #USdollar #MarketTechnicalAnalysis #MeanReversion #PortfolioRiskManagement #GoldAndSilver #ValueInvesting #StockMarket #PortfolioStrategy #Valuation #InvestingEducation

Is the U.S. Dollar setting up for a deeper rally—and what does that mean for markets that have been riding the "weak dollar" trade? Lance Roberts walks through a long-term, monthly chart perspective: when major indexes stretch 2+ standard deviations above long-term means, the odds of a meaningful mean reversion rise. Right now, the S&P 500 is extended, the equal-weight S&P is even more stretched, and several "Dollar-sensitive" areas look extremely overbought—including Basic Materials, Industrials, and Transports. The same setup shows up in international stocks and emerging markets, where foreign flows often chase currency differentials. If the Dollar turns higher from an oversold condition and triggers a buy signal, those rotations can reverse fast. We also cover why gold and silver—classic Dollar trades—can stay extended longer than expected, but rarely hold at 3–4 standard deviations for very long. Bottom line: overbought doesn't mean "crash tomorrow," but it does mean it's time to think about taking profits, rebalancing, and reducing risk before the mean reversion shows up. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/ioOGa5YHzDI --- Articles mentioned in this report: "BLS Labor Report Defies Consensus" https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/

"Value is back," the headlines say—so investors rush from mega-cap growth into "boring" staples, utilities, and healthcare. But here's the problem: sector labels aren't valuation metrics. In many cases, the so-called "value rotation" is an illusion—because investors may be rotating into expensive stocks while selling the actual value hiding inside "growth." Lance Roberts & Michael Lebowitz break down why value and growth aren't mutually exclusive, and why the market's favorite shortcut—"defensives = value, tech = growth"—can lead to costly portfolio mistakes. 0:00 - INTRO 0:19 - Employment Numbers Surprise 6:01 - Why We're Setting Up for a Dollar Rally 14:05 - Gasoline Price Comparisons 15:59 - Value Stocks & Market Rotations 19:36 - Defining "Growth" vs "Value" 21:22 - Buying the Future, not the Past 22:38 - The Problem w Forward Earnings 28:06 - How Passive Flows Drive Markets Higher 32:01 - Overbought Markets Can Remain So for a Long Time 35:01 - How the Dow Industrials Have Shifted 37:57 - Employment is Not as Strong as Hoped (It's garbage) 39:57 - Expect Revisions Next Year 43:11 - Friday Inflation-Truflation Report Preview 45:34 - ISM Index Anecdotal Evidence Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2133YnloEBo?feature=share ------- Articles mentioned in this report: "BLS Labor Report Defies Consensus" https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/ --- Watch our previous show, "Q&A Wednesday: You Ask 'em, We'll Answer," here: https://www.youtube.com/watch?v=6sI0zNQTCyE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Dollar Rally Risk - Overbought Markets," is here: https://youtu.be/ioOGa5YHzDI ------- Visit our E-book Library (no library card required!) 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/ #USdollar #MarketTechnicalAnalysis #MeanReversion #PortfolioRiskManagement #GoldAndSilver #ValueInvesting #StockMarket #PortfolioStrategy #Valuation #InvestingEducation

It's Q&A Wednesday: You ask 'em, we'll answer—and today's episode covers the questions investors actually wrestle with when markets get noisy. Lance Roberts & Danny Ratliff start with a preview of upcoming economic reports and what recent data may be signaling about slowing growth and the next bout of market volatility. From there, we dig into real portfolio decisions—especially for investors heading into retirement—including how to think about allocation changes, managing risk, and avoiding the behavioral traps that derail long-term outcomes. Lance & Danny also hit the big evergreen topics: recency bias, whether there's truly a “one stock to own forever,” what buffered ETFs do (and don't) protect you from, and the mechanics behind the bond yield / interest-rate relationship. We also tackle timely portfolio choices like metals, tax-deferred vs. taxable accounts, seasonality, foreign currency trades, and how to invest in individual bonds. We wrap with practical tradeoffs around high-yield savings, the reality of beating the market consistently, and a broader discussion on growth modeling—plus a curveball question: Is AI going to take our jobs? 0:00 - INTRO 0:19 - Economic Reports Preview: More Weakness? 4:59 - Markets Do What They Do - More Volatility? 11:04 - How Should I Change My Portfolio Going Into Retirement? 17:48 - Dealing with Recency Bias 21:04 - The One Stock to Own Forever 24:20 - The Thing About Buffered ETF's 28:19 - Inverse Relationship Between Bond Yields vs Interest Rates 34:10 - Metals: Selling Today? 35:50 - Tax-deferred vs Taxable brokerage Accounts 39:16 - Using Seasonality When Investing 40:48 - Dealing with Foreign Currency Trades 44:00 - How to Invest in Individual Bonds? 47:01 - The Pro's & Con's of High Yield Savings 48:11 - Do You Consistently Beat the Market? 53:36 - Defining Magnitude and Modeling Growth 55:31 - Is AI Going to Take Our Jobs? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=6sI0zNQTCyE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Duct Tape & WD-40 Your Portfolio Together," here: https://youtube.com/live/EsweZ6GtMvI?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Keeps Stocks Flat," is here: https://youtu.be/8iyhck2LBpY ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #MarketOutlook #SectorRotation #TreasuryYields #Volatility #QandAWednesday #RetirementInvesting #MarketVolatility #BondMarket #TaxPlanning

Markets are stuck in the same rhythm: rally, pull back, test support, and bounce again. After Tuesday's dip, futures are mildly higher this morning—but the bigger story is consolidation. Under the surface, leadership is rotating: Energy, Financials, and Value have held the upper hand, while Growth has started to perk up. That internal rotation can keep the index "flat" even as specific sectors trend. The setup still leans toward an upside breakout, but the market hasn't shown the momentum needed to follow through—yet. Meanwhile, 10-year Treasury yields have been sliding for several sessions. A bounce back toward 4% wouldn't be surprising given where inflation sits and what yields are "supposed" to reflect. If incoming inflation or employment data disappoints, yields could push lower again. Finally, volatility is quietly grinding higher as turnover and leadership churn continue. No fear-spike yet—but this is often the type of prelude we see before volatility eventually makes a sharper move. Manage risk, stay disciplined, and let the market prove the breakout. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/8iyhck2LBpY --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #StockMarket #MarketOutlook #SectorRotation #TreasuryYields #Volatility

It's Q&A Wednesday: You ask 'em, we'll answer—and today's episode covers the questions investors actually wrestle with when markets get noisy. Lance Roberts & Danny Ratliff start with a preview of upcoming economic reports and what recent data may be signaling about slowing growth and the next bout of market volatility. From there, we dig into real portfolio decisions—especially for investors heading into retirement—including how to think about allocation changes, managing risk, and avoiding the behavioral traps that derail long-term outcomes. Lance & Danny also hit the big evergreen topics: recency bias, whether there's truly a "one stock to own forever," what buffered ETFs do (and don't) protect you from, and the mechanics behind the bond yield / interest-rate relationship. We also tackle timely portfolio choices like metals, tax-deferred vs. taxable accounts, seasonality, foreign currency trades, and how to invest in individual bonds. We wrap with practical tradeoffs around high-yield savings, the reality of beating the market consistently, and a broader discussion on growth modeling—plus a curveball question: Is AI going to take our jobs? 0:00 - INTRO 0:19 - Economic Reports Preview: More Weakness? 4:59 - Markets Do What They Do - More Volatility? 11:04 - How Should I Change My Portfolio Going Into Retirement? 17:48 - Dealing with Recency Bias 21:04 - The One Stock to Own Forever 24:20 - The Thing About Buffered ETF's 28:19 - Inverse Relationship Between Bond Yields vs Interest Rates 34:10 - Metals: Selling Today? 35:50 - Tax-deferred vs Taxable brokerage Accounts 39:16 - Using Seasonality When Investing 40:48 - Dealing with Foreign Currency Trades 44:00 - How to Invest in Individual Bonds? 47:01 - The Pro's & Con's of High Yield Savings 48:11 - Do You Consistently Beat the Market? 53:36 - Defining Magnitude and Modeling Growth 55:31 - Is AI Going to Take Our Jobs? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=6sI0zNQTCyE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Duct Tape & WD-40 Your Portfolio Together," here: https://youtube.com/live/EsweZ6GtMvI?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Keeps Stocks Flat," is here: https://youtu.be/8iyhck2LBpY ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #MarketOutlook #SectorRotation #TreasuryYields #Volatility #QandAWednesday #RetirementInvesting #MarketVolatility #BondMarket #TaxPlanning

Markets rallied back into positive territory today, but the real risk-management lesson isn't the chart—it's behavior. Lance Roberts & Jon Penn unpack the “WD-40 & Duct Tape” framework: WD-40 reduces emotional friction when headlines and volatility try to lock up decision-making, and duct tape is the discipline that keeps your portfolio plan intact (allocation, diversification, rebalancing rules, time horizon, liquidity). We also hit real-life planning topics investors ignore until it's urgent—pre-nups, trusts, board liability, and why you shouldn't scrimp on estate planning. Because protecting wealth isn't just about returns—it's about structure, documents, and decisions made before stress shows up. 0:00 - INTRO 0:19 - Valentine's PSA & Earnings Recaps 4:25 - Markets Rally Back Into Positive Territory 9:21 - Christmas Lights, Roofers, & Racoons 12:31 - Engagements, WD-40, & Duct Tape 18:35 - Investors Getting Emotional w Markets 26:57 - When Should a Pre-Nup Be Used? 31:57 - Will a Trust Protect One's Assets? 39:27 - Don't Scrimp on Estate Planning 42:58 - Can I Get Sued on a Board of Directors? 45:22 - Updating an Estate Plan Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/EsweZ6GtMvI?feature=share ------- Articles Mentioned in Today's Show: "Speculative Narrative Unwinds" https://realinvestmentadvice.com/resources/blog/speculative-narrative-unwinds/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Technology Stocks: Dead… or the Next Opportunity?" here: https://youtube.com/live/dkvgydsdn-g?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Signals Melt-up" is here: https://youtu.be/U5PtR83h4qs ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #MarketMeltUp #SectorRotation #TechStocks #BitcoinAnalysis #BehavioralFinance #MarketVolatility #PortfolioDiscipline #EstatePlanning #WealthProtection

Markets rallied back into positive territory today, but the real risk-management lesson isn't the chart—it's behavior. Lance Roberts & Jon Penn unpack the "WD-40 & Duct Tape" framework: WD-40 reduces emotional friction when headlines and volatility try to lock up decision-making, and duct tape is the discipline that keeps your portfolio plan intact (allocation, diversification, rebalancing rules, time horizon, liquidity). We also hit real-life planning topics investors ignore until it's urgent—pre-nups, trusts, board liability, and why you shouldn't scrimp on estate planning. Because protecting wealth isn't just about returns—it's about structure, documents, and decisions made before stress shows up. 0:00 - INTRO 0:19 - Valentine's PSA & Earnings Recaps 4:25 - Markets Rally Back Into Positive Territory 9:21 - Christmas Lights, Roofers, & Racoons 12:31 - Engagements, WD-40, & Duct Tape 18:35 - Investors Getting Emotional w Markets 26:57 - When Should a Pre-Nup Be Used? 31:57 - Will a Trust Protect One's Assets? 39:27 - Don't Scrimp on Estate Planning 42:58 - Can I Get Sued on a Board of Directors? 45:22 - Updating an Estate Plan Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/EsweZ6GtMvI?feature=share ------- Articles Mentioned in Today's Show: "Speculative Narrative Unwinds" https://realinvestmentadvice.com/resources/blog/speculative-narrative-unwinds/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Technology Stocks: Dead… or the Next Opportunity?" here: https://youtube.com/live/dkvgydsdn-g?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Signals Melt-up" is here: https://youtu.be/U5PtR83h4qs ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #MarketMeltUp #SectorRotation #TechStocks #BitcoinAnalysis #BehavioralFinance #MarketVolatility #PortfolioDiscipline #EstatePlanning #WealthProtection

Markets rebounded Monday and nearly tagged new highs—trend remains bullish, but leadership is rotating. After an early-year chase into Value, money is flowing back into Technology and Growth. At the same time, global equity inflows ex-Tech are running hot (over $60B YTD), a classic "melt-up" signal that's worth monitoring for crowding and speculation. Futures are higher again this morning—watch for follow-through. Bitcoin bounced but hasn't regained traction yet. It's still deeply oversold, momentum is flattening, and a tradable setup could emerge if we get confirmation with a momentum turn/buy signal. Not financial advice. Manage risk and avoid chasing extended moves. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/U5PtR83h4qs --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #StockMarket #MarketMeltUp #SectorRotation #TechStocks #BitcoinAnalysis

Technology stocks started February on the back foot as volatility spiked and leveraged trades unwound across markets—crypto first, then metals, then equities. The key question: is this a real breakdown in tech leadership, or a mechanical liquidation that's creating selective opportunity? 0:00 - INTRO 0:19 - Superbowl Recap & Looking for BLS & CPI 4:41 - More Trapped Longs & Volatility to Come 10:38 - Market Volatility May not Be Over Yet 14:28 - The AI Threat to Software Co's 18:12 - Salesforce vs AI 23:20 - Narratives are Justification for Overpaying 26:30 - Technology Sector Analysis & Rotation 29:40 - Value to Growth Rotation 32:05 - Where are Earnings Coming From? 35:08 - Waiting for the Bottom to Buy 37:36 - Fundamentals Then & Now 40:01 - Margin Debt vs DPI (Disposable Personal Income) 41:30 - What Happens When You Lose it All 44:05 Boomer Advice for Younger Investors 48:41 - Learn when Enough is Enough Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dkvgydsdn-g?feature=share ------- Articles Mentioned in Today's Show: "Speculative Narrative Unwinds" https://realinvestmentadvice.com/resources/blog/speculative-narrative-unwinds/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "The Wealth-Health Gap," here: https://youtube.com/live/TynkcovRQIQ?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Holds, Volatility Returns," is here: https://youtu.be/y7ilBZWTrcA ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SP500 #MarketVolatility #TechnicalAnalysis #RiskManagement #TechnologyStocks #Nasdaq #MarketVolatility #SectorRotation #RiskManagement

Technology stocks started February on the back foot as volatility spiked and leveraged trades unwound across markets—crypto first, then metals, then equities. The key question: is this a real breakdown in tech leadership, or a mechanical liquidation that's creating selective opportunity? 0:00 - INTRO 0:19 - Superbowl Recap & Looking for BLS & CPI 4:41 - More Trapped Longs & Volatility to Come 10:38 - Market Volatility May not Be Over Yet 14:28 - The AI Threat to Software Co's 18:12 - Salesforce vs AI 23:20 - Narratives are Justification for Overpaying 26:30 - Technology Sector Analysis & Rotation 29:40 - Value to Growth Rotation 32:05 - Where are Earnings Coming From? 35:08 - Waiting for the Bottom to Buy 37:36 - Fundamentals Then & Now 40:01 - Margin Debt vs DPI (Disposable Personal Income) 41:30 - What Happens When You Lose it All 44:05 Boomer Advice for Younger Investors 48:41 - Learn when Enough is Enough Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dkvgydsdn-g?feature=share ------- Articles Mentioned in Today's Show: "Speculative Narrative Unwinds" https://realinvestmentadvice.com/resources/blog/speculative-narrative-unwinds/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "The Wealth-Health Gap," here: https://youtube.com/live/TynkcovRQIQ?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Holds, Volatility Returns," is here: https://youtu.be/y7ilBZWTrcA ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SP500 #MarketVolatility #TechnicalAnalysis #RiskManagement #TechnologyStocks #Nasdaq #MarketVolatility #SectorRotation #RiskManagement

Why do wealthier households tend to live longer and experience fewer chronic diseases? Richard Rosso & Jonathan McCarty break down the Wealth-Health Gap—how income, savings, and environment shape health through housing quality, access to care, and financial resilience. We also flip the lens: poor health can reduce earnings, drain savings, and create a vicious cycle that widens disparities across generations. Finally, we discuss systemic factors that amplify the gap and practical policy ideas aimed at improving both economic stability and health outcomes. 0:00 - INTRO 0:20 - Uncle Floyd & Chuy Intro 3:06 - The Health-Wealth Connect 6:05 - Diet, Lifestyle, & Spending Choices 7:32 - Kevin O'Leary's Health-Wealth Regimen 9:40 - Lifestyle Matters 12:48 - The Cost of Healthy Eating 20:02 - The Revolution in Health in Wealth Planning 22:02 - Younger Generations Want to Know 27:15 - Planning for Healthy Retirement 28:30 - Information for Better Health 31:56 - Planning for Healthcare Costs in Retirement 34:14 - Why Not Know? 38:40 - Stack the Odds in Your Favor 44:15 - Candid Coffee Teaser Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TynkcovRQIQ?feature=share ------- Watch our previous show, "Truflation vs CPI: What Inflation Is Really Doing Today," here: https://youtube.com/live/Ojlx_IPrDUg?feature=share -------- The latest installment of our new feature, Before the Bell, "Markets Set Up for Rotation Trades is here: https://youtu.be/IKsm6U2CK8w ------- Visit our E-book Library (no library card required!) 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/ #WealthHealthGap #SocialDeterminantsOfHealth #HealthEquity #FinancialPlanning #WealthInequality

Why do wealthier households tend to live longer and experience fewer chronic diseases? Richard Rosso & Jonathan McCarty break down the Wealth-Health Gap—how income, savings, and environment shape health through housing quality, access to care, and financial resilience. We also flip the lens: poor health can reduce earnings, drain savings, and create a vicious cycle that widens disparities across generations. Finally, we discuss systemic factors that amplify the gap and practical policy ideas aimed at improving both economic stability and health outcomes. 0:00 - INTRO 0:20 - Uncle Floyd & Chuy Intro 3:06 - The Health-Wealth Connect 6:05 - Diet, Lifestyle, & Spending Choices 7:32 - Kevin O'Leary's Health-Wealth Regimen 9:40 - Lifestyle Matters 12:48 - The Cost of Healthy Eating 20:02 - The Revolution in Health in Wealth Planning 22:02 - Younger Generations Want to Know 27:15 - Planning for Healthy Retirement 28:30 - Information for Better Health 31:56 - Planning for Healthcare Costs in Retirement 34:14 - Why Not Know? 38:40 - Stack the Odds in Your Favor 44:15 - Candid Coffee Teaser Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TynkcovRQIQ?feature=share ------- Watch our previous show, "Truflation vs CPI: What Inflation Is Really Doing Today," here: https://youtube.com/live/Ojlx_IPrDUg?feature=share -------- The latest installment of our new feature, Before the Bell, "Markets Set Up for Rotation Trades is here: https://youtu.be/IKsm6U2CK8w ------- Visit our E-book Library (no library card required!) 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/ #WealthHealthGap #SocialDeterminantsOfHealth #HealthEquity #FinancialPlanning #WealthInequality

Is inflation actually cooling—or just being measured differently? Lance Roberts & Michael Lebowitz break down Truflation's real-time inflation readings (built from millions of point-of-purchase prices across multiple providers) versus the official CPI/PCE framework, which relies far more on surveys and sampling. We'll also address the big caveat: neither CPI/PCE nor Truflation perfectly captures what you feel “in the shops,” because inflation varies by geography, income group, and what you actually buy. The aggregate number can hide the lived experience. 0:00 - INTRO 0:19 - Employment Data Continues to Weaken 4:10 - Finishing up Earnings Season 10:36 - Truflation & Kevin Warsh's Hawkishness 12:36 - The Truflation Conundrum vs CPI 16:12 - The Reflation Trade vs Real Economy 20:49 - Cheaper Fritos & Texas Chili (no beans) 21:48 - Tariff Impact on Inflation 23:33 - Value vs Growth 26:11 - Why Portfolio Positioning Matters 28:05 - More Chili (with beans & Broccoli) 29:27 - Software Services vs AI 30:29 - The Risk Facing Oracle 35:22 - Leverage Kills 40:11 - The Lesson in Narratives 41:37 - Warsh vs Powell - Is there a difference? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "Q&A Wednesday: Your Questions, Real Answers," here: https://www.youtube.com/live/dLVV-H-lG3A?si=Ej0Pl1nUuYmKYpFG -------- The latest installment of our new feature, Before the Bell, "Markets Set Up for Rotation Trades is here: https://youtu.be/IKsm6U2CK8w ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #MarketRotation #SP500 #NASDAQ #TechnicalAnalysis #Inflation #CPI #PCE #Truflation #Economy

Is inflation actually cooling—or just being measured differently? Lance Roberts & Michael Lebowitz break down Truflation's real-time inflation readings (built from millions of point-of-purchase prices across multiple providers) versus the official CPI/PCE framework, which relies far more on surveys and sampling. We'll also address the big caveat: neither CPI/PCE nor Truflation perfectly captures what you feel "in the shops," because inflation varies by geography, income group, and what you actually buy. The aggregate number can hide the lived experience. 0:00 - INTRO 0:19 - Employment Data Continues to Weaken 4:10 - Finishing up Earnings Season 10:36 - Truflation & Kevin Warsh's Hawkishness 12:36 - The Truflation Conundrum vs CPI 16:12 - The Reflation Trade vs Real Economy 20:49 - Cheaper Fritos & Texas Chili (no beans) 21:48 - Tariff Impact on Inflation 23:33 - Value vs Growth 26:11 - Why Portfolio Positioning Matters 28:05 - More Chili (with beans & Broccoli) 29:27 - Software Services vs AI 30:29 - The Risk Facing Oracle 35:22 - Leverage Kills 40:11 - The Lesson in Narratives 41:37 - Warsh vs Powell - Is there a difference? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "Q&A Wednesday: Your Questions, Real Answers," here: https://www.youtube.com/live/dLVV-H-lG3A?si=Ej0Pl1nUuYmKYpFG -------- The latest installment of our new feature, Before the Bell, "Markets Set Up for Rotation Trades is here: https://youtu.be/IKsm6U2CK8w ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #MarketRotation #SP500 #NASDAQ #TechnicalAnalysis #Inflation #CPI #PCE #Truflation #Economy

Markets sold off again Wednesday, closing right on the S&P 500's 50-day moving average (50-DMA). While the index is still riding its underlying support line and working off an overbought condition, the momentum trade has largely been wrung out. Despite the turbulence, the broader uptrend remains intact—just with a lot more internal rotation. Wednesday's damage was concentrated in mega-cap momentum and "growth leadership," while much of the rest of the market held up better. That matters because Value vs. Growth has become increasingly overextended over the last several sessions—conditions that often precede a mean-reversion move and create rotation trade opportunities. The NASDAQ is also telling a different story. It's broken down through the 20-, 50-, and 100-day moving averages during a consolidating/topping process and remains on a sell signal. However, after the persistent selling in Technology, the index is now extremely oversold. Historically, oversold extremes have often aligned with short-term bottoms and tradable reflex rallies—even if the bigger-picture backdrop stays choppy. Bottom line: a rotation back from Value into Growth over the coming days and weeks wouldn't be surprising. As investors, the goal isn't to chase what worked yesterday, but to watch for setups where price has moved too far, too fast—and where improving risk/reward can favor disciplined entries, position sizing, and clear stop/target levels. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/IKsm6U2CK8w --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #StockMarket #MarketRotation #SP500 #NASDAQ #TechnicalAnalysis

Today's live YouTube Chat Q&A covers the full spectrum—earnings season takeaways, the selloff-to-rebound pattern, and the big debate around Big Tech, AI, and margins. We walk through where tech and AI leadership stand now, whether AI is pressuring software profitability, and the “real world” constraint markets may be underpricing: power demand (including what ERCOT could mean for data-center expansion). We also hit the energy transition angle—why wind/solar intermittency matters, the critical minerals push, and why fundamentals still matter when narratives run hot. On the positioning side, we discuss whether metals look oversold, how to think about “rebound rallies,” and why investor discipline (process, rebalancing, and risk controls) beats chasing headlines. Finally, we shift to planning questions that come up constantly in the chat: Medicare timing (age 65 vs. later), enrolling in your 70s, key pitfalls with Medicare Advantage, and how COBRA fits into the transition. 0:00 - INTRO 0:19- Earnings Season Recap 4:05 - Markets Sell off to Rebound 9:05 - Tech Stocks & AI - Where are We? 10:17 - Is AI Destroying Software Profit Margins? 16:26 - Will ERCOT Pump the Brakes of Data Centers? 19:22 - Wind & Solar Are Not Consistent or Reliable 20:42 - The Critical Mineral Push 22:33 - Fundamentals Matter a Lot 24:19 - Are Metals Over Sold? 27:41 - Investor Discipline & Having a Plan 29:10 - This was Not a Forced Manipulation 30:45 - Leverage on Bitcoin 31:47 - Jumping on Medicare at age 65? 38:44 - Signing Up for Medicare in 70's 40:32 - Be Careful with Medicare Advantage 42:56 - The Thing About COBRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "The Trap of Chasing Returns," here: https://youtube.com/live/sKXpfWf8oRs?feature=share -------- The latest installment of our new feature, Before the Bell, "Dip Buyers Step In" is here: https://youtu.be/EY04EexrThs ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing #BuyTheDip #EarningsSeason #ArtificialIntelligence #BigTech #RiskManagement #Medicare

Markets sold off sharply Tuesday, then bounced into the close—continuing a familiar pattern: when price tests the 50-day moving average (50-DMA), dip buyers step in. That's been working, but it's also how traders get trapped when the "buy-the-dip" playbook finally fails—so risk management matters. This morning, futures are pointing higher as the market tries to reclaim the 20-day moving average (20-DMA). Tuesday's weakness was concentrated in mega-cap tech (NVDA, MSFT, GOOGL), and early action suggests a bounce attempt. Meanwhile, the "heat map" continues to highlight rotation: value and defensives (WMT, COST, PG) plus energy have been outperforming while growth digests valuations. That rotation can persist, but value is getting overbought/overextended, raising the odds of a rotation back toward growth as we move through earnings season. Seasonally, February can be volatile, and we're watching the VIX closely as volatility's trendline remains elevated. Bottom line: expect choppy, sloppy trading—keep allocations disciplined, avoid chasing stretched moves, and stay focused on process over predictions. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/EY04EexrThs --- Articles mentioned in this report: "Precious Metals Aren't Predicting Economic Collapse" https://realinvestmentadvice.com/resources/blog/precious-metals-arent-predicting-economic-collapse-draft/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #DipBuyers #BuyTheDip #SP500 #Premarket #RiskManagement

Today's live YouTube Chat Q&A covers the full spectrum—earnings season takeaways, the selloff-to-rebound pattern, and the big debate around Big Tech, AI, and margins. We walk through where tech and AI leadership stand now, whether AI is pressuring software profitability, and the "real world" constraint markets may be underpricing: power demand (including what ERCOT could mean for data-center expansion). We also hit the energy transition angle—why wind/solar intermittency matters, the critical minerals push, and why fundamentals still matter when narratives run hot. On the positioning side, we discuss whether metals look oversold, how to think about "rebound rallies," and why investor discipline (process, rebalancing, and risk controls) beats chasing headlines. Finally, we shift to planning questions that come up constantly in the chat: Medicare timing (age 65 vs. later), enrolling in your 70s, key pitfalls with Medicare Advantage, and how COBRA fits into the transition. 0:00 - INTRO 0:19- Earnings Season Recap 4:05 - Markets Sell off to Rebound 9:05 - Tech Stocks & AI - Where are We? 10:17 - Is AI Destroying Software Profit Margins? 16:26 - Will ERCOT Pump the Brakes of Data Centers? 19:22 - Wind & Solar Are Not Consistent or Reliable 20:42 - The Critical Mineral Push 22:33 - Fundamentals Matter a Lot 24:19 - Are Metals Over Sold? 27:41 - Investor Discipline & Having a Plan 29:10 - This was Not a Forced Manipulation 30:45 - Leverage on Bitcoin 31:47 - Jumping on Medicare at age 65? 38:44 - Signing Up for Medicare in 70's 40:32 - Be Careful with Medicare Advantage 42:56 - The Thing About COBRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=dLVV-H-lG3A&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Trap of Chasing Returns," here: https://youtube.com/live/sKXpfWf8oRs?feature=share -------- The latest installment of our new feature, Before the Bell, "Dip Buyers Step In" is here: https://youtu.be/EY04EexrThs ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing #BuyTheDip #EarningsSeason #ArtificialIntelligence #BigTech #RiskManagement #Medicare

Most investors don't blow up because they “didn't know enough.” They blow up because they frame the decision wrong. Lance Roberts & Jonathan Penn break down narrow framing—the behavior where investors judge one investment in isolation (“Why don't I own that?”) instead of evaluating results through the entire portfolio and a long-term plan. When something becomes “hot,” it feels obvious, safe, and inevitable. But return-chasing often ends the same way: buying after a big run, then selling after the first real drawdown. That cycle turns investing into reaction instead of strategy—headlines instead of planning, emotion instead of discipline. 0:00 - INTRO 0:19 - ISM Manufacturing Feed Reflation Narrative 4:15 - Sector Rotations Worth Watching 8:20 - Markets Continue in Rising Trend 13:24 - The Trap of Cahasing Returns 15:58 - The Trouble w Investor Complacency 18:20 - The Flaw in Framing 22:09 - Momentum Drives Price 23:21 - Leverage Unwinding & Volatility 24:42 - It's Silver Profit Taking Time 25:47 - Risk Tolerance vs Risk Capacity 28:03 - A Portfolio is Like a Car 31:12 - The Misconception Between Risk & Volatility 34:23 - Risk is the Destruction of Capital 35:58 - Markets Do Not Compound Returns 37:31 - Would You Rather... 42:33 - Everybody Idolizes Warren Buffett 43:30 - Establish a Discipline 45:52 - Have a Plan - Write it Down 48:51 - E-book Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/sKXpfWf8oRs?feature=share ------- Watch our previous show, "Bears Are an Endangered Species," here: https://www.youtube.com/live/NAyXnrquGiQ -------- The latest installment of our new feature, Before the Bell, "Reflation Rotation" is here: https://youtu.be/9f2tn_O1BUc ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing

Most investors don't blow up because they "didn't know enough." They blow up because they frame the decision wrong. Lance Roberts & Jonathan Penn break down narrow framing—the behavior where investors judge one investment in isolation ("Why don't I own that?") instead of evaluating results through the entire portfolio and a long-term plan. When something becomes "hot," it feels obvious, safe, and inevitable. But return-chasing often ends the same way: buying after a big run, then selling after the first real drawdown. That cycle turns investing into reaction instead of strategy—headlines instead of planning, emotion instead of discipline. 0:00 - INTRO 0:19 - ISM Manufacturing Feed Reflation Narrative 4:15 - Sector Rotations Worth Watching 8:20 - Markets Continue in Rising Trend 13:24 - The Trap of Cahasing Returns 15:58 - The Trouble w Investor Complacency 18:20 - The Flaw in Framing 22:09 - Momentum Drives Price 23:21 - Leverage Unwinding & Volatility 24:42 - It's Silver Profit Taking Time 25:47 - Risk Tolerance vs Risk Capacity 28:03 - A Portfolio is Like a Car 31:12 - The Misconception Between Risk & Volatility 34:23 - Risk is the Destruction of Capital 35:58 - Markets Do Not Compound Returns 37:31 - Would You Rather... 42:33 - Everybody Idolizes Warren Buffett 43:30 - Establish a Discipline 45:52 - Have a Plan - Write it Down 48:51 - E-book Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/sKXpfWf8oRs?feature=share ------- Watch our previous show, "Bears Are an Endangered Species," here: https://www.youtube.com/live/NAyXnrquGiQ -------- The latest installment of our new feature, Before the Bell, "Reflation Rotation" is here: https://youtu.be/9f2tn_O1BUc ------- Visit our E-book Library (no library card required!) 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/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing

Raising money-smart kids is one of the most valuable lessons you can give them for life. Richard Rosso & Jonathan McCarty break down how to teach kids about money, from saving and budgeting to making smart financial decisions early on. You'll learn practical strategies for financial literacy for children, including: Simple ways to explain money to kids How to teach kids to save money and set goals Smart money habits that last a lifetime Real-world lessons for raising financially responsible kids Whether you're a parent, grandparent, or educator, these tips will help you set the foundation for your child's financial future. 1 - Financial Literacy Starts in the Home 2 - The Danger of On-line Shopping 3 - The Marshmello Experiment on Delayed Gratification 4 - The Dilemma of the Four Quarters 5 - The Four Categories of Money Scripts 6 - The Disney Trip 7 - The Problem with Under-spending 8 - When Your Advisor Gets Stale 9 - Know Yourself: Your Kids are Like Columbo 10 - Allow Your Kids to Learn from Your Mistakes 11 - Money Books We Recommend Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP , w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=SvLHCd84WNw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Bad News is not New News" is here: https://bit.ly/4lwwFtH -------- Our previous show, "Speculative Frenzy - Fading or Re-fueling?," can be viewed here: https://bit.ly/4mrXcJW -------- Articles mentioned in this report: "Five Ways to Raise Money-Smart Kids: Part One" https://realinvestmentadvice.com/resources/blog/five-ways-to-raise-money-smart-kids-part-one/ "Raising Money-Smart Kids: Part Two" https://realinvestmentadvice.com/resources/blog/raising-money-smart-kids-part-two/ ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #MoneySmartKids #FinancialLiteracy #TeachKidsMoney #SmartMoneyHabits #KidsAndMoney #InvestingAdvice #Money #Investing

Raising money-smart kids is one of the most valuable lessons you can give them for life. Richard Rosso & Jonathan McCarty break down how to teach kids about money, from saving and budgeting to making smart financial decisions early on. You'll learn practical strategies for financial literacy for children, including: Simple ways to explain money to kids How to teach kids to save money and set goals Smart money habits that last a lifetime Real-world lessons for raising financially responsible kids Whether you're a parent, grandparent, or educator, these tips will help you set the foundation for your child's financial future. 1 - Financial Literacy Starts in the Home 2 - The Danger of On-line Shopping 3 - The Marshmello Experiment  on Delayed Gratification 4 - The Dilemma of the Four Quarters 5 - The Four Categories of Money Scripts 6 - The Disney Trip 7 - The Problem with Under-spending 8 - When Your Advisor Gets Stale 9 - Know Yourself: Your Kids are Like Columbo 10 - Allow Your Kids to Learn from Your Mistakes 11 - Money Books We Recommend Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP , w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=SvLHCd84WNw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Bad News is not New News" is here:  https://bit.ly/4lwwFtH -------- Our previous show, "Speculative Frenzy - Fading or Re-fueling?," can be viewed here: https://bit.ly/4mrXcJW -------- Articles mentioned in this report: "Five Ways to Raise Money-Smart Kids: Part One" https://realinvestmentadvice.com/resources/blog/five-ways-to-raise-money-smart-kids-part-one/ "Raising Money-Smart Kids: Part Two" https://realinvestmentadvice.com/resources/blog/raising-money-smart-kids-part-two/ ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- 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/ #MoneySmartKids #FinancialLiteracy #TeachKidsMoney #SmartMoneyHabits #KidsAndMoney #InvestingAdvice #Money #Investing

Markets are showing signs of a speculative frenzy once again—but is the fire burning out or just getting started? Danny Ratliff & Michael Lebowitz break down the latest stock market speculation, shifts in investor sentiment 2025, and the risks of a potential market bubble forming. We'll look at how speculative trading trends are driving prices higher, what this means for long-term investors, and where financial market volatility could take markets next. If you're looking to understand whether the rally is sustainable—or if risk is quietly building beneath the surface—this discussion will give you the insights you need to stay informed and positioned wisely. 1 - Retailers Are Seeing Diminished Consumer Spending 2 - What Sector Rotation is Telling Us 3 - Speculative Bull Markets Can Go On for a Long Time 4 - The Fed is Contending With Weak Employment 5 - The Full Impact of Tariff is Still Unknown 6 - Jackson Hole & the Rate Cut Conundrum 7 - The Truth About Fed Meeting Minutes 8 - Lisa Cook & The Politicization of The Fed 9 - Fed Rate Cuts - 50 or 25? 10 - The Starbuck's Indicator of Consumer Sentiment 11- The Surprising Side Benefits of Paying with Cash 12 - Looking at the Positives 13 - Keeping Perspectives on Interest Rates 14 - Mortgage Rates vs Treasury Rates 15 - What Lowerd Rates Might Imply 16 - UPS: Value or Value Trap? Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://bit.ly/4mrXcJW -------- The latest installment of our new feature, Before the Bell, "Bad News is not New News" is here: https://bit.ly/4lwwFtH -------- Our previous show, "John Tamny - Money is Ruthless," can be viewed here: https://youtu.be/Hm6yNkNtC0Q -------- Articles mentioned in this report: "Greg Mankiw's Solutions Would Expand Federal Debt" https://www.realclearmarkets.com/2025/08/12/greg_mankiws_solutions_would_expand_federal_debt_1128148.html ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #BitCoin #JacksonHole #FederalReserve #JeromePowell #LisaCook #MarketCorrection #MarketRisk #AIstory #MarketWeakness #AllTimeHighs #SectorRotation #StockMarket #InvestorSentiment #MarketBubble #SpeculativeTrading #MarketVolatility #InvestingAdvice #Money #Investing

Target's earnings report was not good, and guidance was weaker; the chain is blaming the consumer for not spending in their stores. This is nothing new: We've heard from other retailers like Chipotle, Starbuck's, and Cava that consumers are holding back on spending. Additionally, a look at GDP reveals consumption, which is 2/3rds of the economy, dropping a lot. AI infrastructure building has offset this somewhat, but it underscores the importance of the consumer in the economy. WalMart's report today will be similarly intriguing as a barometer of the consumer. This may be the calm before the storm of this week's Jackson Hole meeting, and the actions of the Fed seeming to be more political and economic. Meanwhile, Bitcoin has dropped about 10% over the last couple of weeks. Bitcoin, NASDAQ, and speculative stocks have been very highly correlated. Whether or not you're a Bitcoin fan, it IS a gauge of sentiment and speculative appetite. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO  Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=bU-QunzVoco&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1------- Articles mentioned in this report: "UPS Is At Pandemic Lows: Value Or Value Trap?" https://realinvestmentadvice.com/resources/blog/ups-is-at-pandemic-lows-value-or-value-trap/ ------- Get more info & commentary:  https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- 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/ #BitCoin #JacksonHole #FederalReserve #JeromePowell #LisaCook #MarketCorrection #MarketRisk #AIstory #MarketWeakness #AllTimeHighs #SectorRotation #NASDAQ #20DMA #50DMA #100DMA #200DMA #InvestingAdvice #Money #Investing

Markets are showing signs of a speculative frenzy once again—but is the fire burning out or just getting started?  Danny Ratliff & Michael Lebowitz break down the latest stock market speculation, shifts in investor sentiment 2025, and the risks of a potential market bubble forming. We'll look at how speculative trading trends are driving prices higher, what this means for long-term investors, and where financial market volatility could take markets next. If you're looking to understand whether the rally is sustainable—or if risk is quietly building beneath the surface—this discussion will give you the insights you need to stay informed and positioned wisely. 1 - Retailers Are Seeing Diminished Consumer Spending 2 - What Sector Rotation is Telling Us 3 - Speculative Bull Markets Can Go On for a Long Time 4 - The Fed is Contending With Weak Employment 5 - The Full Impact of Tariff is Still Unknown 6 - Jackson Hole & the Rate Cut Conundrum 7 - The Truth About Fed Meeting Minutes 8 - Lisa Cook & The Politicization of The Fed 9 - Fed Rate Cuts - 50 or 25? 10 - The Starbuck's Indicator of Consumer Sentiment 11- The Surprising Side Benefits of Paying with Cash 12 - Looking at the Positives 13 - Keeping Perspectives on Interest Rates 14 - Mortgage Rates vs Treasury Rates 15 - What Lowerd Rates Might Imply 16 - UPS: Value or Value Trap? Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://bit.ly/4mrXcJW -------- The latest installment of our new feature, Before the Bell, "Bad News is not New News" is here:  https://bit.ly/4lwwFtH -------- Our previous show, "John Tamny - Money is Ruthless," can be viewed here: https://youtu.be/Hm6yNkNtC0Q  -------- Articles mentioned in this report: "Greg Mankiw's Solutions Would Expand Federal Debt" https://www.realclearmarkets.com/2025/08/12/greg_mankiws_solutions_would_expand_federal_debt_1128148.html ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- 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/ #BitCoin #JacksonHole #FederalReserve #JeromePowell #LisaCook #MarketCorrection #MarketRisk #AIstory #MarketWeakness #AllTimeHighs #SectorRotation #StockMarket #InvestorSentiment #MarketBubble #SpeculativeTrading #MarketVolatility #InvestingAdvice #Money #Investing

Lance Roberts interviews John Tamny, author, economist, and editor of RealClearMarkets. Tamny's provocative new book, Deficit Delusion, reframes how we think about debt and growth. He makes a bold case: Trump-style protectionism and fear-driven immigration policies are economically self-defeating—even for conservatives. Trade is the greatest foreign policy mankind has ever devised, plus it's great for workers as is any scenario that expands the division of labor. $36.1 trillion Government Debt is not a crisis—it's a sign of U.S. strength & investor confidence about the U.S.'s future, it's not weakness. 1:55 - Will the Debt Spiral spark a financial crisis? 4:03 - What is the debt relative to economic growth? 5:18 - The Uber Analogy & Expectations of Debt 8:40 - What are we NOT doing because of Excessive Government Debt? 12:30 - The Premise of Productive Debt & Economic Growth 16:33 - The Danger of Government Spending Cuts 18:40 - The Dark Side of the Flat Tax 22:25 - GDP: The Most Fraudulent Number in Economics 25:58 - What is the "right" tax rate? 28:46 - We Need to Fund the 'nut jobs' 31:09 - Why taxes should be cut for everyone 33:33 - How long before the first, one-man "unicorn" $1B company? 37:13 - The Debt Crisis Isn't the Thing to Worry About Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w John Tamny, Editor/Real Clear Markets Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://youtu.be/Hm6yNkNtC0Q -------- Articles mentioned in this report: "Greg Mankiw's Solutions Would Expand Federal Debt" https://www.realclearmarkets.com/2025/08/12/greg_mankiws_solutions_would_expand_federal_debt_1128148.html ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #JohnTamny #GovernmentDebt #DeficitDelusion #Budget #InvestingAdvice #Money #Investing

Lance Roberts interviews John Tamny, author, economist, and editor of RealClearMarkets. Tamny's provocative new book, Deficit Delusion, reframes how we think about debt and growth. He makes a bold case: Trump-style protectionism and fear-driven immigration policies are economically self-defeating—even for conservatives. Trade is the greatest foreign policy mankind has ever devised, plus it's great for workers as is any scenario that expands the division of labor.   $36.1 trillion Government Debt is not a crisis—it's a sign of U.S. strength & investor confidence about the U.S.'s future, it's not weakness. 1:55 - Will the Debt Spiral spark a financial crisis? 4:03 - What is the debt relative to economic growth?  5:18 - The Uber Analogy & Expectations of Debt 8:40 - What are we NOT doing because of Excessive Government Debt? 12:30 - The Premise of Productive Debt & Economic Growth  16:33 - The Danger of Government Spending Cuts   18:40 - The Dark Side of the Flat Tax  22:25 - GDP: The Most Fraudulent Number in Economics 25:58 - What is the "right" tax rate? 28:46 - We Need to Fund the 'nut jobs' 31:09 - Why taxes should be cut for everyone 33:33 - How long before the first, one-man "unicorn" $1B company? 37:13 - The Debt Crisis Isn't the Thing to Worry About Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w John Tamny, Editor/Real Clear Markets Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://youtu.be/Hm6yNkNtC0Q  -------- Articles mentioned in this report: "Greg Mankiw's Solutions Would Expand Federal Debt" https://www.realclearmarkets.com/2025/08/12/greg_mankiws_solutions_would_expand_federal_debt_1128148.html ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- 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/ #JohnTamny #GovernmentDebt #DeficitDelusion #Budget #InvestingAdvice #Money #Investing

Do you really need a local financial advisor to manage your money? Geography doesn't matter anymore when it comes to building wealth and securing your financial future. Lance previews this week's Jackson Hole consortium; what will Jerome Powell Infer? Lance Roberts & Jonathan Penn cover the conundrum of local vs virtual financial advisors; how college students are lured by credit card offers, and the dangers of credit accounts. This leads to a discussion of personal budgeting, and how deceptively easy it is to begin a culture of savings; the "B-word" is Budget; the importance of controlling discretionary spending and leakage of money; Lance shares an example by working with an income of only $50k; the surprising result of pre-tax contributions and their impact on income; 401k's vs Roth; the benefits of speaking with a "coach" about money, i.e., a financial advisor. SEG-1a: Jackson Hole Preview - What's the Fed going to do? SEG-1b: Negative Divergences are Increasing SEG-2a: Local vs Virtual Financial Advisors SEG-2b: Do You Need a Financial Advisor? SEG-2c: Getting Started So You Can Save & Invest SEG-2d: Stay Away from Credit Cards SEG-2e: Everything's on a Payment Plan SEG-2f: Addressing the "B-word" (Budgeting) SEG-2g: What's Your Number? SEG-2h: Controlling Your Discretionary Spending SEG-2i: Budgeting w $50k SEG-2j: 401k's vs Roth's SEG-2k: Why Should You Speak With a Financial Advisor? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=yNJaSxQqghA&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=2&t=6s -------- Articles mentioned in this report: "Inflation Data Sends Markets To New Highs" https://realinvestmentadvice.com/resources/blog/inflation-data-sends-markets-to-new-highs/ "Excess Bullishness & 10-Rules To Navigate It" https://realinvestmentadvice.com/resources/blog/excess-bullishness-10-rules-to-navigate-it/ ------- The latest installment of our new feature, Before the Bell, "What is Bitcoin Telling Us Now?" is here: http://bit.ly/463MS4b ------- Our previous show is here: "Ten Rules for Navigating Excessive Market Bullishness" https://www.youtube.com/watch?v=ogzk5Y4D7b0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #BitCoin #JacksonHole #FederalReserve #JeromePowell #MarketCorrection #MarketRisk #FinancialAdvisor #VirtualAdvisor #OnlineFinancialPlanning #InvestingTips #PersonalFinance #InvestingAdvice #Money #Investing

Markets have been very slowly climbing a wall of worry over the past few weeks. While August tends to be a weaker month for markets, such has not been the case thus far. However, negative divergences in relative strength, money flows, and momentum have belied an underlying weakness in the markets. The NASDAQ has been doing well with the drive to chase technology stocks, but that trend has weakened even more than the S&P 500, creating a divergence between the two indexes. A look at Bitcoin, which is a proxy for risk-taking, and for which there is a high correlation with the NASDAQ, also shows some weakening. Bitcoin has triggered a sell signal, and is starting to show a downtrend in relative strength. This doesn't mean markets are about to crash; this could be just a prelude as investors remove risk ahead of the Jackson Hole symposium later this week. IF Jerome Powell comes out more-dovish, we could see markets strengthen. Remember, this has been a market driven by the top ten stocks; performance has been concentrated in Tech and Financials. That kind of bifurcation in the markets is worth paying attention to. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO  Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=CWwtLllMsS8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Articles mentioned in this report: "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- Get more info & commentary:  https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- 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/ #BitCoin #JacksonHole #FederalReserve #JeromePowell #MarketCorrection #MarketRisk #AIstory #MarketWeakness #AllTimeHighs #SectorRotation #NASDAQ #20DMA #50DMA #100DMA #200DMA #InvestingAdvice #Money #Investing

Are investors too optimistic right now? Lance Roberts breaks down ten rules for navigating excess market bullishness so you can protect your portfolio while still participating in market gains. Also in today's show: Lance's assessment of earnings season so far, and the role Nvidia will play in determining market moods. We've got a special interview segment planned for Wednesday's (8/20) show [Premier link is below]; Lance reveals yet another saga by the Roberts' children, and how we can learn from our mistakes, whether we're dishwashers or investors. The reason markets look great can be traced to 7-stocks. The inherent risks of the future; the double edged sword of margin debt, and what's really driving earnings growth. Lance reviews his Ten Rules for Navigating excess bullishness in the market, earnings growth forecast justification, and why retail investors are the last resort for Wall Street. SEG-1a: Earnings Season is Almost Done SEG-1b: Nvidia is one of the Last Supports for Markets SEG-2a: John Tamny Interview Tease [ https://youtu.be/Hm6yNkNtC0Q ] SEG-2b: Bullish Sentiment for the Young & Lance's Daughter SEG-2c: Learning from Our Mistakes SEG-2d: Investors' Ability to Forget Pain SEG-2e: Things Look Great...but only because of 7-stocks SEG-2f: The Spread Between Market Cap vs Equal Weight Indexes SEG-2g: The Risk of Not Knowing Crypto, AI future SEG-2h: Margin Debt is a Double-edged Sword SEG-2i: What/Who's Really Driving Earnings Growth SEG-2j: The CoreWeave Story SEG-2k: Ten Rules for Navigating Excess Market Bullishness SEG-2l: Proper Position Sizing in Portfolios SEG-2m: Behind the Scenes with Economic Growth SEG-2n: Justifying Earnings Growth Forecasts SEG-2o: You're the Cannon Fodder for Wall Street SEG-2p: Smart Money vs Dumb Money SEG-2q: Bullish Market Sentiment Driven by Narrow Framework Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=ogzk5Y4D7b0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Articles mentioned in this report: "Inflation Data Sends Markets To New Highs" https://realinvestmentadvice.com/resources/blog/inflation-data-sends-markets-to-new-highs/ "Excess Bullishness & 10-Rules To Navigate It" https://realinvestmentadvice.com/resources/blog/excess-bullishness-10-rules-to-navigate-it/ ------- The latest installment of our new feature, Before the Bell, "What Risks are Posed in AI Story?" is here: https://www.youtube.com/watch?v=ZXO6sFR3mCc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Money Playbook for Young Millionaires" https://www.youtube.com/watch?v=fOXqIaMP8RY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2&t=3s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #MarketBullishness #StockMarketRisk #InvestorPsychology #MarketSpeculation #PortfolioStrategies #InvestingAdvice #Money #Investing

Becoming a millionaire at a young age (take Sydney Sweeny. Please.) is an incredible achievement—but keeping and growing that wealth is a whole different game. Richard Rosso & Jonathan McCarty break down The Money Playbook for Young Millionaires—the proven strategies high net worth young investors use to safeguard their money, build lasting wealth, and avoid costly mistakes. Everything from wealth protection for young investors, asset protection strategies, and tax planning for young wealthy individuals, to the critical mindset shifts needed to grow your net worth in any market...whether your success came from business, investing, or inheritance, this guide will help you protect your wealth for decades to come. If you're a high net worth millennial or a young investor ready to play the long game, this is your roadmap. 1 - Sydney Sweeney's Worth "only" $40-Mil 2 - Taylor Swift's Financial Plan 3 - Health & Wealth 4 - Basic Trust Planning 5 - Tax Planning & Strategies 6 - The Most Important Decision You Can Make 7 - Estate Tax Planning 8 - Trust Planning & Taylor Smith 9 - Where There's a Will... 10 - Charitable Giving & Linda Blair 11 - Investing in Opportunity Zones 12 - Final Wishes & Abandoned Assets Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=fOXqIaMP8RY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Market Breadth Expands," is here: https://www.youtube.com/watch?v=2gfnyTW59w8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Will the Fed Cut Rates NOW??" https://www.youtube.com/watch?v=D1vTkvEIUxg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #WealthProtection #YoungInvestors #HighNetWorth #AssetProtection #FinancialPlanning #SydneySweeny #TaylorSwift #InvestingAdvice #Money #Investing

Will the Federal Reserve blink and cut rates now? Lance Roberts & Michael Lebowitz break down the latest inflation data, economic trends, and market signals that could force the Fed's hand and what it means for your portfolio. Lance previews today's PPI report, which could reveal tariff inflation producers are having to pay. More importantly will be any trend PPI numbers reveal. Markets continue to touch all time highs amid fundamental weaknesses. Following Wednesday's CPI number, is the Fed going to be forced to lower rates? Lance and Michael discuss pro's & con's and the "Sneaky" Inflation index; why PPI is a more accurate gauge of tariff inflation. Markets have already pried-in the next rate cut. Forward earnings expectations are very elevated...and deviated from economic realities. Michael Reviews the "UPS Barometer" of activity; only ten companies are driving market gains presently; the S&P 490 are struggling. What if Nvidia stumbles in next report? (This is NOT the end of the AI cycle.) Markets over-estimate growth; are rotating sectors more rapidly; how long will the rotations stick? Fundamentals matter more to small- and mid-cap companies, more susceptible to economic changes. WHat will the Fed be thinking following PPI, PCE, & Nvidia report next week? SEG-1a: PPI & Retail Sales Preview - Will Tariff Inflation Appear? SEG-1b: Sector Rotation Beginning to Appear SEG-2a: What Are the Odds of a 50 vs 25 Rate Cut? SEG-2b: The Shoe Price Index & "Sneaky" Inflation SEG-2c: Why PPI Data is Important Tell of Tariff Inflation SEG-2d: What Would Market Response Be to 1/2-pt. cut? SEG-2e: Earnings Growth is Being Driven By Only Ten Companies SEG-2f: What If Nvidia Stumbles? SEG-2g: Markets Are Richly Priced on a Narrative SEG-2h: How Long Will This Rotation Stick? SEG-2i: The Fundamental Realities of Small- & Mid-Caps SEG-2j: The SimpleVisor Thematic Portfolio Tools SEG-2k: Wait to Gauge the Fed Post-PPI, PCE, & Nvidia Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=D1vTkvEIUxg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Articles mentioned in this report: "The Index Isn't Always Accurate: Factors Influencing Yields" https://realinvestmentadvice.com/resources/blog/the-index-isnt-always-accurate-factors-influencing-yields/ "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Market Breadth Expands," is here: https://www.youtube.com/watch?v=2gfnyTW59w8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Portfolio Concentration: Hidden Risks That Can Sink Your Returns," https://www.youtube.com/watch?v=OJh3DN2dGg0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #MarketBreadth #MarketRally #MarketWeakness #AllTimeHighs #SectorRotation #FederalReserve #RateCut #InterestRates #USEconomy #StockMarketNews #InvestingAdvice #Money #Investing

Many investors unknowingly take on portfolio concentration risk—placing too much money in one stock or sector. Lance Roberts & Danny Ratliff break down why concentrated stock portfolios can be dangerous, how lack of investment diversification can magnify losses, and what smart risk management investing looks like. Whether you're building long-term wealth or protecting what you've earned, understanding the hidden dangers of over-concentration is critical. We'll share practical tips to improve your stock diversification strategy, reduce downside risk, and strengthen your portfolio's resilience in volatile markets. SEG-1a: CPI Print Offers Hope for September Rate Cut SEG-1b: Small- & Mid-Cap Performance SEG-2a: Blood Tests & Caffeine SEG-2b: Market Capitalization Concentrations SEG-2c: Is there an Ideal Number of Stocks for a Portfolio? SEG-2d: What is the Goal? SEG-2e: Over-weighting or Under-weighting Positions SEG-2f: The Pain Trade SEG-2g: What Happens Next w Sector Rotation? SEG-2h: Portfolios Are Like NASCAR SEG-2i: What is Your Goal? SEG-2j: Investing Without a Plan is Like Throwing Darts in the Dark SEG-2k: Portfolio Construction for Returns & Taxes SEG-2l: YOLO vs Planning SEG-2m: Importance fo Risk Management Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=OJh3DN2dGg0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- Articles mentioned in this report: "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Market Internals Remain Weak," is here: https://www.youtube.com/watch?v=3v7e03zkoWs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Two Dads on Money - Meme Stock Trading & Jesse Livermore's Timeless Rules for Speculation," https://www.youtube.com/watch?v=ZVH-DHO81pk&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=2&t=2s------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #MarketCorrection #MarketRally #MarketWeakness #AllTimeHighs #PortfolioRisk #Diversification #StockMarketTips #InvestingStrategy #WealthManagement #InvestingAdvice #Money #Investing

Meme stocks meet Jesse Livermore's timeless trading rules — Lance Roberts & Jonathan Penn discover how classic speculation strategies apply to today's market frenzy. Lance preview's today's CPI print and a Goldman Sachs report on who exactly is shouldering the increased costs of tariffs; a look at markets' up/down pattern, and weakness within; Lance and Jonathan discuss meme stocks, speculative risk, and what the Old Masters of investing had to say about it. Also commentary and guidance for younger investors and those who would like to begin investing: How to get the discipline started. SEG-1a: CPI Preview - It's Always .2% SEG-1b: Who's Footing the Bill for Tariffs? SEG-2a: Meme Stock Frenzy SEG-2b: Speculative Trading Index Examined SEG-2c: Two Old Dudes' Pudding & Protein Paks SEG-2d: The Risk of Speculative Trading SEG-2e: Benjamin Graham on Risk SEG-2f: Jesse Livermore on Market Dynamics & Risk SEG-2g: Ten Rules for Investing SEG-2h: Think Ahead SEG-2i: Needs vs Wants for Younger Generation SEG-2j: First Apartments, First Phones SEG-2k: Getting Started w Savings Plans SEG-2l: Time Flies SEG-2m: What Index Investing Teaches SEG-2n: It's a Different Game for 40-50-year olds Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=ZVH-DHO81pk&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=2&t=2s -------- Articles mentioned in this report: "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Watch the Weakness in the Rally," is here: https://www.youtube.com/watch?v=R2kE4pk9IMA&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "US GDP Shows Cracks - Why You Should Pay Attention" https://www.youtube.com/watch?v=Fszx_pdp-sA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #MarketCorrection #MarketRally #MarketWeakness #AllTimeHighs #NASDAQ #MemeStocks #StockMarketTrading #JesseLivermore #TradingStrategy #MarketSpeculation #JesseLivermore #BenjaminGraham #NeedsWants #SavingMoney #InvestingAdvice #Money #Investing

August may be a seasonally-weaker month for markets, but for Summer Weather in Texas, it's hot! Lance shares weekend wedding events, and previews this week's economic data reports: Will inflation stoked by tariffs appear in the numbers? The only question that matters to investors his how the news will affect forward earnings estimates. There is now a 90% probability of a Fed rate cut by September; much will hinge on this week's CPI, PPI, and Retail Sales data. Lance reviews the similarities and differences between the Dot Com bubble and the AI boom. (Lance's ADD is triggered by a story on a TV monitor about adult pacifiers.) Revenues are key to economic growth, and employment is critical. Commentary on debts, deficits, and student loan defaults. Markets are sitting in a contraction zone: 80% of market is not growing. Global growth forecasts are dismal; debt is not the problem. Debts and deficits are a feature of the economy, not a bug. SEG-1a: August Weather & Weddings in Texas SEG-1b: CPI, PPI, & Retail Sales: Will Tariff Inflation Show Up? SEG-2a:The Only Question That Matters - How Does it Affect Earnings? SEG-2b: AI Today is a Lot Like 1999 SEG-2c: Adult Pacifier Distraction SEG-2d: Revenue is What Generates Earnings SEG-2e: Wage Growth Isn't Increasing SEG-2f: IMF Growth Projections SEG-2g: The Debt & Deficits Problem Isn't What You Think Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=Fszx_pdp-sA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- Articles mentioned in this report: "US Economic Growth Shows Cracks" https://realinvestmentadvice.com/resources/blog/us-economic-growth-shows-cracks/ "Meme Stock Trading & Livermore's Approach To Speculation" https://realinvestmentadvice.com/resources/blog/meme-stock-trading-livermores-approach-to-speculation/ ------- The latest installment of our new feature, Before the Bell, "Markets are Set Up for Correction" is here: https://www.youtube.com/watch?v=ajVPyWtMA9I&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What Would a 20% Social Security Reduction Mean for Your Retirement?" https://www.youtube.com/watch?v=2eRpXL4yYQI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=55s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- 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/ #MarketCorrection #MarketRally #AllTimeHighs #USDollar #Gold #USEconomy #EconomicGrowth #MarketOutlook #GDPTrends #RecessionRisk #InvestingAdvice #Money #Investing