Podcasts about Compound

On episode 221 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Joe Weisenthal and Tracy Alloway to discuss: Dow 50,000, AI and the market, cash on the sidelines, the Fed's latest move, 10 years of Odd Lots, and much more! This episode is sponsored by Neuberger Berman and Apex Fintech Solutions. Learn more about NBSD and get important information at https://www.nb.com/nbsd. NBSD from Neuberger. Learn more at https://apexfintechsolutions.com/augmented-advice Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NB Disclosure: Investors should consider the Fund's investment objectives, risks, fees, and expenses carefully before investing. This and other important information can be found in the Fund's prospectus, and, if available, summary prospectus, which you can obtain by calling 877.628.2583. Please read the prospectus, and, if available, the summary prospectus, carefully before making an investment. Neuberger Berman BD LLC, is the distributor of the Fund and a FINRA member. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 442 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss huge losses in the Nasdaq 100, 2026 outlooks, OpenAI, 401k millionaires, consumer spending vs. a slowing labor market, money without meaning, price cuts on housing are accelerating, baby boomer riches, Netflix and Paramouns vie for Warner Brothers and more. This episode is sponsored by NEOS Investments, Exhibit A, and Fidelity Trader+. Explore NEOS Investments' award-winning lineup at https://neosfunds.com. To book a 20 minute demo of Exhibit A with Chart Kid Matt, click this link: https://calendly.com/matt-exhibitaforadvice/20min. Or, start a risk free 7-day free trial: https://exhibitaforadvice.com/register. Learn more about Fidelity Trader+ at: https://www.Fidelity.com/TraderPlus Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. NEOS Disclosure: Investors should carefully consider the investment objectives, risks, charges and expenses of Exchange Traded Funds (ETFs) before investing. To obtain an ETF's prospectus containing this and other important information, please call (866) 498-5677 or view/download a prospectus at https://neosfunds.com. Please read the prospectus carefully before you invest. An investment in NEOS ETFs involve risk, including possible loss of principal. NEOS ETFs are distributed by Foreside Fund Services, LLC. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 213, Sarah and Chrissie (@ChrissieWhitley) wrap up the year with the Best Books of 2025 Genre Awards. They reveal their Overall Best Books (Fiction and Nonfiction) and a full breakdown by genre, including: Best Literary Fiction, Best Romance, Best Brain Candy, Best Genre Mash-Up, and more! Plus, they share the winners for these same genres as chosen by the Sarah's Bookshelves Live Member Community. This post contains affiliate links through which I make a small commission when you make a purchase (at no cost to you!). CLICK HERE for the full episode Show Notes on the blog. Announcements The 2026 Reading Tracker is out! This year brings upgraded features across the board — including NEW average star rating and 5-star book tracking for every stat on the Dashboard — plus an updated Lite Tracker for those who prefer a streamlined version. Both Trackers are ONLY available to paid Patreon or Substack subscribers ($7/month) and is no longer sold separately. To avoid Apple's 30% fee, be sure to join directly from the Patreon website (mobile or desktop). Join our Patreon Community (here) OR become a Substack Paid Member (here)! Highlights Podcast reflections from 2025 — including top episodes based on download stats. A brief overview of Sarah's and Chrissie's 2025 year in reading. Their favorite books of the year: overall and by genre, including the SBL Member Community's picks. 2025 Genre Awards [12:39] Sarah The River Is Waiting by Wally Lamb (2025) | Amazon | Bookshop.org  [12:45]  The Favorites by Layne Fargo (2025) | Amazon | Bookshop.org  [16:32]  The Death of Us by Abigail Dean (2025) | Amazon | Bookshop.org  [20:13]  One Good Thing by Georgia Hunter (2025) | Amazon | Bookshop.org   [23:48]  The Compound by Aisling Rawle (2025) | Amazon | Bookshop.org  [28:47]  August Lane by Regina Black (2025) | Amazon | Bookshop.org  [36:03]  The Road to Tender Hearts by Annie Hartnett (2025) | Amazon | Bookshop.org  [41:54]  Family of Spies by Christine Kuehn (2025) | Amazon | Bookshop.org  [45:36] This American Woman by Zarna Garg (2025) | Amazon | Bookshop.org  [50:00] Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org  [52:59] The Bright Years by Sarah Damoff (2025) | Amazon | Bookshop.org  [54:44]  Finding Grace by Loretta Rothschild (2025) | Amazon | Bookshop.org  [56:29] Next of Kin by Gabrielle Hamilton (2025) | Amazon | Bookshop.org   [1:00:10]  The Elements by John Boyne (2025) | Amazon | Bookshop.org  [1:03:10] Chrissie Fox by Joyce Carol Oates (2025) | Amazon | Bookshop.org  [13:42]  Joy Moody Is Out of Time by Kerryn Mayne (2025) | Amazon | Bookshop.org [17:36]  Marble Hall Murders (Susan Ryeland, 3) by Anthony Horowitz (2025) | Amazon| Bookshop.org  [21:39]  The Pretender by Jo Harkin (2025) | Amazon | Bookshop.org  [25:51]  What We Can Know by Ian McEwan (2025) | Amazon | Bookshop.org  [30:28]  To Clutch a Razor (Curse Bearer, 2) by Veronica Roth (2025) | Amazon | Bookshop.org  [32:39]  The Love Haters by Katherine Center (2025) | Amazon | Bookshop.org  [37:03]  These Heathens by Mia McKenzie (2025) | Amazon | Bookshop.org  [43:31]  The Zorg by Siddarth Kara (2025) | Amazon | Bookshop.org  [47:11]  Misbehaving at the Crossroads by Honorée Fanonne Jeffers (2025) | Amazon | Bookshop.org  [51:09] A Sea of Unspoken Things by Adrienne Young (2025) | Amazon | Bookshop.org [53:38]  Awake in the Floating City by Susanna Kwan (2025) | Amazon | Bookshop.org[55:11] Heartwood by Amity Gaige (2025) | Amazon | Bookshop.org  [57:16]  Future Boy by Michael J. Fox (2025) | Amazon | Bookshop.org  [1:01:23]  Reports of His Death Have Been Greatly Exaggerated by James Goodhand (2025) | Amazon | Bookshop.org  [1:06:07]  SBL Member Community The Correspondent by Virginia Evans (2025) | Amazon | Bookshop.org [15:43] The Road to Tender Hearts by Annie Hartnett (2025) | Amazon | Bookshop.org  [19:02] Heartwood by Amity Gaige (2025) | Amazon | Bookshop.org  [22:52]  Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org [27:21] The Compound by Aisling Rawle (2025) | Amazon | Bookshop.org [31:28]  The River Has Roots by Amal El-Mohtar (2025) | Amazon | Bookshop.org [35:23]  One Golden Summer by Carley Fortune (2025) | Amazon | Bookshop.org [38:39] Witchcraft for Wayward Girls by Grady Hendrix (2025) | Amazon | Bookshop.org  [40:57] Big Dumb Eyes by Nate Bargatze (2025) | Amazon | Bookshop.org  [45:15] Hot Air by Marcy Dermansky (2025) | Amazon | Bookshop.org  [45:17] Jane and Dan at the End of the World by Colleen Oakley (2025) | Amazon | Bookshop.org  [45:19] The Road to Tender Hearts by Annie Hartnett (2025) | Amazon | Bookshop.org  [45:22] Run for the Hills by Kevin Wilson (2025) | Amazon | Bookshop.org  [45:24] So Far Gone by Jess Walter (2025) | Amazon | Bookshop.org  [45:27] This American Woman by Zarna Garg (2025) | Amazon | Bookshop.org [45:28] Everything is Tuberculosis by John Green (2025) | Amazon | Bookshop.org [48:20] Ordinary Time by Annie Jones (2025) | Amazon | Bookshop.org  [52:32] Wild Dark Shore by Charlotte McConaghy (2025) | Amazon | Bookshop.org [54:31]  Among Friends by Hal Ebbott (2025) | Amazon | Bookshop.org  [59:25] Awake by Jen Hatmaker (2025) | Amazon | Bookshop.org  [1:02:33] Other Books Mentioned Leaving by Roxana Robinson (2024) [13:51]  Heart the Lover by Lily King (2025) [15:35]  Wild Dark Shore by Charlotte McConaghy (2025) [15:58]  Audition by Katie Kitamura (2025) [16:09]  The Names by Florence Knapp (2025) [16:11] Dream State by Eric Puchner (2025) [16:13] Lenny Marks Gets Away with Murder by Kerryn Mayne (2023) [17:45]  Great Big Beautiful Life by Emily Henry (2025) [18:46]  Say You'll Remember Me by Abby Jimenez (2025) [18:56]  The Academy by Elin Hilderbrand and Shelby Cunningham (2025) [19:18] Abigail and Alexa Save the Wedding by Lian Dolan (2025) [19:23] Bright Young Women by Jessica Knoll (2023) [21:28]  The Ghostwriter by Julie Clark (2025) [23:03] The Impossible Fortune by Richard Osman (2025) [23:07]   Dead Money by Jakob Kerr (2025) [23:13] The Boomerang by Robert Bailey (2025) [23:15]   We Were the Lucky Ones by Georgia Hunter (2017) [24:09]  Tell Me an Ending by Jo Harkin (2022) [26:03] What Kind of Paradise by Janelle Brown (2025) [26:55] Atmosphere by Taylor Jenkins Reid (2025) [27:06]   The Stolen Queen by Fiona Davis (2025) [27:12] Isola by Allegra Goodman (2025) [28:13]  Merge by Grace Walker (2025) [31:35] The Memory Collectors by Dete Meserve (2025) [31:43]  Sunrise on the Reaping by Susanna Collins (2025) [31:48] Death of the Author by Nnedi Okorafor (2025) [31:01] The Strange Case of Jane O. by Karen Thompson Walker (2025) [32:05] When Among Crows by Veronica Roth (2024) [33:05]  Katabasis by R. F. Kuang (2025) [34:23] Babel by R. F. Kuang (2022) [34:36] Yellowface by R. F. Kuang (2023) [34:37] A Drop of Corruption by Robert Jackson Bennett (2025) [34:49] The Tainted Cup by Robert Jackson Bennett (2024) [34:54] Onyx Storm by Rebecca Yarros (2025) [34:58] The Everlasting by Alix E. Harrow (2025) [35:05] Bury Our Bones in the Midnight Soil by V. E. Schwab (2025) [35:31] The Art of Scandal by Regina Black (2023) [36:49] The Favorites by Layne Fargo (2025) [38:54]  The Buffalo Hunter Hunter by Stephen Graham Jones (2025) [40:30] Hungerstone by Kat Dunn (2025) [40:37] We Love You, Bunny by Mona Awad (2025) [40:42] The Staircase in the Woods by Chuck Wendig (2025) [41:19] Bat Eater and Other Names for Cora Zeng by Kylie Lee Baker (2025) [41:30] When the Moon Hits Your Eye by John Scalzi (2025) [44:56] The Wager by David Grann (2023) [47:34]  Replaceable You by Mary Roach (2025) [49:04] The Gales of November by John U. Bacon (2025) [49:11] Careless People by Sarah Wynn-Williams (2025) [51:58] All the Way to the River by Elizabeth Gilbert (2025) [52:08] Awake by Jen Hatmaker (2025) [52:24] Nobody's Girl by Virginia Roberts Giuffre (2025) [52:28] One Day, Everyone Will Always Have Been Against This by Omar El Akkad (2025) [52:49] The God of the Woods by Liz Moore (2024) [53:22] Broken Country by Clare Leslie Hall (2025) [54:21] Life, and Death, and Giants by Ron Rindo (2025) [54:27] Woodworking by Emily St. James (2025) [56:16] Buckeye by Patrick Ryan (2025) [58:57] The Elements by John Boyne (2025) [59:15]   Deep Cuts by Holly Brickley (2025) [59:49] My Friends by Fredrik Backman (2025) [59:51] The Heart's Invisible Furies by John Boyne (2017) [1:05:51] James by Percival Everett (2024) [1:08:07]  Top Podcast Episodes Ep. 199: Best Books of 2025 (So Far) with Catherine (@GilmoreGuide) and Susie (@NovelVisits) Ep. 184: Best Books of 2024 Genre Awards with Susie (@NovelVisits) Ep. 185: Winter 2025 Book Preview with Catherine (@GilmoreGuide) Ep. 205: Fall 2025 Book Preview with Catherine (@GilmoreGuide) Ep. 192: Spring 2025 Book Preview with Catherine (@GilmoreGuide) Ep. 198: Best of Thrillers with Anderson McKean of Page & Palette (@PagePalette) Ep. 188: Best of Fantasy with Chrissie (@ChrissieWhitley) Ep. 193: Clare Leslie Hall (author of Broken Country) Ep. 187: State of the Industry in 2024 with Kathleen Schmidt (@KathMSchmidt), author of the Publishing Confidential Substack Ep. 208: Best of Narrative Nonfiction with Elizabeth Barnhill of Fabled Bookshop (@FabledBookshop)

On episode 201 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Jurrien Timmer to discuss: where we are in this bull market's cycle, how the AI bubble compares to past bubbles, the right level of inflation, rethinking traditional allocations, financial markets and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Grayscale. Find out more about Grayscale by visiting: ⁠⁠https://www.grayscale.com/ Learn more about Fidelity Trader+ at: ⁠https://www.Fidelity.com/TraderPlus Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

From ‘The Compound' (Subscribe Here): On this week's episode of the Compound Podcast with Ian Happ, the guys discuss the big moves coming out of the Winter Meetings, including Kyle Schwarber staying in Philly and Edwin Diaz to LA. Plus, will Mike Trout be on Team USA for the WBC and the AL East is making moves! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Charlie Rose from Invesco to discuss: investing in private real estate, credit in real estate as an asset class, the different types of real estate investments and more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

EP305Charles Worden (IG @cleannuff) returns to the Hard Parking Podcast after a 2-year hiatus. From beating 10 street-racing charges in Tempe, Arizona then getting shredded in bodybuilding, and plotting generational wealth — Charles explains why he disappeared, how he rebuilt himself, and why Cleannuff is coming back bigger than ever. The monster Stradman × Houston Hot Chicken event was just the start. Private supercar cruises, The Compound burnout spot, and huge 2026 plans with Lambos, 918s, GT3s and more.Subscribe for more car culture every Monday!IG: @hardparkingpodcast |@cleannuffChapters 00:00 – Intro + Why Charles vanished for 2 years02:26 – Beating the Tempe “kingpin” case (10 charges → 0 convictions)05:12 – The insane Stradman x Houston Hot Chicken comeback event09:50 – 270 lbs bodybuilding bulk, now shredded “Jacked Ghost”14:04 – Private supercar cruises & why cities still fear him19:02 – The Compound: legal burnouts, photoshoots & 2026 plans45:28 – New supercar(s), YouTube launch & Cleannuff foreverMain Show Sponsors:Right Honda:⁠⁠⁠ ⁠⁠https://righthonda.com/Right Toyota: ⁠⁠⁠⁠⁠https://www.righttoyota.com/⁠⁠⁠⁠⁠Arcus Foundry: ⁠⁠⁠⁠⁠https://arcusfoundry.comAutocannon Official Gear: ⁠⁠⁠⁠⁠https://shop.autocannon.com/⁠⁠⁠⁠⁠⁠⁠Contact Hard Parking with Jhae Pfenning: email: Info@HardParking.com Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.Hardparking.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.patreon.com/hardparkingpodcast/Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/hardparkingpod/YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@HardParking

In this episode, host Minter Dial sits down with Chris O'Neill, a proud Canadian business leader with a rich and varied background that includes leadership roles at Google, Evernote, and multiple startups across Silicon Valley. Chris O'Neill opens up about his formative experiences working in retail, the value of hard work, and how these lessons shaped his approach to business and parenting. Their conversation dives deep into themes of resilience, team-building, and the importance of staying grounded—even while navigating the pressures of high-profile roles in tech and business. They explore the ways AI is impacting work and society, what it truly means to build strong company culture, and why purpose and authenticity make brands stand out in today's crowded landscape. Whether you're curious about leadership, the future of technology, or how personal values shape a career, this episode is packed with insights on playing the long game, fostering meaningful connections, and thriving through change. So grab your headphones and join us for a thought-provoking dialogue that's equal parts practical advice and inspiration.

Stackwell founder Trevor Rozier-Byrd joins David Bank to talk about how public financial markets can become a real wealth-building tool for people who've historically been left out. Stackwell's model: culturally resonant education, behaviorally informed nudges like recurring deposits, and seed investment programs that help “multicultural emerging wealth builders” get into the market and stay there.

On episode 220 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Vlad Tenev to discuss: the Robinhood story, the retail trading landscape, GameStop, prediction markets, and much more! Today's show is brought to you by Goldman Sachs Asset Management. With Goldman Sachs Active ETFs, you gain more than an investment, you gain access to the innovation, expertise and service of Goldman Sachs. Find out more at https://am.gs.com/relentless. Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 441 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss why boring plain vanilla portfolios are hard to beat, predicting the 2026 stock market, Robinhood is Netflix, teens investing in stocks, all-time highs in rich people, the case against an AI crash, the crypto crash, how expensive housing is changing behaviors, ranking the best Disney rides, YouTube is eating TV, the joys of homeownership and more. This episode is sponsored by YCharts and Fabric by Gerber Life. Register for the December 9th Charts That Defined 2025 webinar with Josh Brown, here https://get.ycharts.com/resources/webinars/the-charts-that-defined-2025/ And start your free YCharts trial through Animal Spirits (new customers only) at https://go.ycharts.com/animal-spirits Join the thousands of parents who trust Fabric to help protect their family. Apply today in just minutes at: https://meetfabric.com/SPIRITS Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In Ep. 212, Sarah and Catherine of Gilmore Guide to Books start wrapping up 2025 with the first of the two year-end episodes: Best Books of 2025 Superlatives. In this episode, they share their picks for over 25 superlative categories, including Weirdest 5-Star Read of 2025, The Book That Made Us Furious, Most Underrated Gem, Too Dark Even for Me, and so much more! This post contains affiliate links through which I make a small commission when you make a purchase (at no cost to you!). CLICK HERE for the full episode Show Notes on the blog. Highlights Our best books of the year from over 25 categories, including: My First 5-Star 2025 Release of the Year Weirdest 5-Star Read of 2025 The Book That Made Us Furious Most Underrated Gem Most Perplexing Book Best Book to Be Made into a Reality Series Too Dark Even for Me Most Crushingly Depressing Book I Loved Best Horror Book in the Victorian-Feminist-Gory Category The Crime Novel That Hit Me Hardest Emotionally 2025 Superlatives [7:32] Sarah Penitence by Kristin Koval (2025) | Amazon | Bookshop.org [7:58] What Kind of Paradise by Janelle Brown (2025) | Amazon | Bookshop.org[12:38] Culpability by Bruce Holsinger (2025)| Amazon | Bookshop.org [13:22]  Maggie; a Man and a Woman Walk Into a Bar by Katie Yee (2025) | Amazon | Bookshop.org [17:43]  The Slip by Lucas Schaefer (2025) | Amazon | Bookshop.org [19:25]  Audition by Katie Kitamura (2025) | Amazon | Bookshop.org  [24:22]  The Dinner Party by Viola Van de Sandt (2025)  | Amazon | Bookshop.org[29:25]  Fox by Joyce Carol Oates (2025) | Amazon | Bookshop.org [33:35] When the Cranes Fly South by Lisa Ridzén (US release 2025) | Amazon | Bookshop.org [36:37]  Dominion by Addie E. Citchens (2025) | Amazon | Bookshop.org [41:30] What Happened to the McCrays? by Tracey Lange (2025) | Amazon | Bookshop.org [44:53] Dream State by Eric Puchner (2025) | Amazon | Bookshop.org [47:52] Heart the Lover by Lily King (2025) | Amazon | Bookshop.org [51:06] The Boomerang by Robert Bailey (2025) | Amazon | Bookshop.org [54:38] Awake by Jen Hatmaker (2025) | Amazon | Bookshop.org [57:07] Catherine What Kind of Paradise by Janelle Brown (2025) | Amazon | Bookshop.org[9:58] The Staircase in the Woods by Chuck Wendig (2025) | Amazon | Bookshop.org[14:37] The Compound by Aisling Rawle (2025) | Amazon | Bookshop.org [21:31] Murderland by Caroline Fraser (2025) | Amazon | Bookshop.org [26:53] Heart, Be At Peace by Donal Ryan (2025) | Amazon | Bookshop.org [31:07] The Names by Florence Knapp (2025) | Amazon | Bookshop.org [35:13] Wild Dark Shore by Charlotte McConaghy (2025) | Amazon | Bookshop.org[38:31] The Correspondent by Virginia Evans (2025) | Amazon | Bookshop.org [43:12] Sweet Fury by Sash Bischoff (2025) | Amazon | Bookshop.org [45:45] Muse of Nightmares (Strange the Dreamer, 2) by Laini Taylor (2018) | Amazon | Bookshop.org [49:40] Let's Call Her Barbie by Renée Rosen (2025) | Amazon | Bookshop.org [52:39] Victorian Psycho by Virginia Feito (2025) | Amazon | Bookshop.org [55:31] The Death of Us by Abigail Dean (2025) | Amazon | Bookshop.org [1:00:18] Other Books Mentioned Defending Jacob by William Landay (2012) [8:59]  All That Is Mine I Carry With Me by William Landay (2023) [9:00] Pretty Things by Janelle Brown (2020) [10:40]  I'm Thinking of Ending Things by Iain Reid (2016) [30:25]  The Spinning Heart by Donal Ryan (2012) [33:08] Buckeye by Patrick Ryan (2025) [45:20]  The Connellys of County Down by Tracey Lange (2023) [45:39]  Tender Is the Night by F. Scott Fitzgerald (1934) [46:13] The Paper Palace by Miranda Cowley Heller (2021) [48:34] Shotgun Lovesongs by Nickolas Butler (2013) [48:35]   Writers and Lovers by Lily King (2020) [51:32]

On episode 200 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Ritholtz CFO and ATC legend Bill Sweet to discuss: housing prices in 2026, retirement tax strategies, Gen Z loves Roth, renting during retirement, trading in the military and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Compound Insider. Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

From ‘The Compound' (Subscribe Here): On this week's episode of the Compound Podcast with Ian Happ, the guys discuss former Cubs farmhand Dylan Cease's big 210 million dollar deal with the Blue Jays. After that, they discuss how college athletics have evolved since Ian and Dakota were in college. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Technically known as glucagon-like peptide-1 receptor agonists, or GLP-1, these drugs have been around for years for treating diabetes. Now it seems most people think of GLP-1 drugs as medications to lose weight, and these medications are so popular that for a time, supply could not meet demand, leaving many to seek compounded GLP-1 medications, which were more accessible and affordable. However, compounded medications are not FDA-approved, and there are questions regarding their safety and efficacy. What do doctors and patients need to know when considering using compounded obesity medications? To help answer this, host Aaron Lohr talks with Michael Weintraub, MD, an endocrinologist at NYU Langone Division of Endocrinology. Dr. Weintraub serves on the exam writing committee for the American Board of Obesity Medicine. Support for this episode was provided by Lilly. Show notes are available at https://www.endocrine.org/podcast/enp107 — for helpful links or to hear more podcast episodes, visit https://www.endocrine.org/podcast

Stack or Stall: Why Credentials Collapse but Ecosystems CompoundLast year's Chemistry Nobel went to non-chemists. The lasting power of domain-specific credentials is collapsing - but David Julian has seen this pattern before across four technological revolutions and knows what compounds instead. From Hotjobs.com to Google's global EdTech partnerships, Julian identified what separates transformative innovations from footnotes: they teach users something new, reduce friction, and fundamentally improve lives. Now on Harvard's Galileo Project steering committee, he's applying ecosystem logic to AI-powered astrophysics - and discovering why stacking beats selecting.The insight: Skills stack. Modular, complementary, and interoperable capabilities stack. Liberal arts + AI certifications compound income dramatically. Universities aren't obsolete - their business models are. Survivors become platforms for compounding, not gatekeepers of credentials.Paradigm Shifts:

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Troy Cates, Co-Founder, Managing Partner at NEOS Investments to discuss: options-based income ETFs, why investors love yield so much, how to hedge using options and more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

BUFFALO, NY — December 1, 2025 — A new #research paper featured on the #cover of Volume 17, Issue 11 of Aging-US was #published on October 30, 2025, titled “SAMP-Score: a morphology-based machine learning classification method for screening pro-senescence compounds in p16 positive cancer cells.” In this study led by first author Ryan Wallis along with corresponding author Cleo L. Bishop, from Queen Mary University of London, researchers developed a machine learning tool to identify compounds that induce cancer cells into senescence. The tool, called SAMP-Score, offers a new strategy for drug discovery in cancers with poor treatment options like basal-like breast cancer. Senescence is a process where damaged or aged cells stop dividing. In cancer therapy, inducing senescence is an approach to control tumor growth. However, it is difficult to detect true senescence in cancer cells that already appear aged. These cancers, often called Sen-Mark+ cancers, include basal-like breast cancer and typically lack reliable markers to confirm senescence. SAMP-Score was designed to address this problem. Instead of relying on traditional markers, the researchers built a machine learning model trained to recognize patterns based on senescent cells' shape and structure under a microscope. These visual patterns, known as senescence-associated morphological profiles (SAMPs), allowed the model to distinguish real signs of aging from other effects such as toxicity or normal variation. By analyzing thousands of cell images, the model learned to classify whether a cell had truly entered senescence. “To demonstrate the potential application of SAMP-Score in p16 positive cancer therapeutic discovery, we assessed a diversity screen of 10,000 novel chemical entities in MB-468 cells (p16 positive BLBC).” The team used SAMP-Score to screen more than 10,000 experimental compounds. One compound, QM5928, consistently triggered senescence in several cancer cell types without killing them, making it a promising candidate for further study. Importantly, it worked in cancers resistant to known drugs like palbociclib, which are often ineffective in cancers with high p16 expression like basal-like breast cancer. Further analysis revealed that QM5928 caused the p16 protein to move into the nucleus of cancer cells, a possible sign that the protein is helping stop cell division. This subtle effect was only detectable using the detailed imaging and analysis made possible by SAMP-Score, highlighting the tool's ability to distinguish true senescence from toxic responses and making it a powerful resource in cancer drug discovery. By combining machine learning with high-resolution imaging, this study introduces a new way to find and evaluate cancer therapies. SAMP-Score could accelerate efforts to develop treatments that exploit the body's natural aging processes to fight cancer, especially for patients with resistant tumors. The tool is openly available at GitHub, making it accessible for other researchers exploring senescence-based cancer therapies. DOI - https://doi.org/10.18632/aging.206333 Corresponding author - Cleo L. Bishop - c.l.bishop@qmul.ac.uk Abstract video - https://www.youtube.com/watch?v=qXI_KI3EgHE Subscribe for free publication alerts from Aging - https://www.aging-us.com/subscribe-to-toc-alerts To learn more about the journal, please visit https://www.Aging-US.com​​ and connect with us on social media at: Facebook - https://www.facebook.com/AgingUS/ X - https://twitter.com/AgingJrnl Instagram - https://www.instagram.com/agingjrnl/ YouTube - https://www.youtube.com/@Aging-US LinkedIn - https://www.linkedin.com/company/aging/ Bluesky - https://bsky.app/profile/aging-us.bsky.social Pinterest - https://www.pinterest.com/AgingUS/ Spotify - https://open.spotify.com/show/1X4HQQgegjReaf6Mozn6Mc MEDIA@IMPACTJOURNALS.COM

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Logan Mohtashami to talk about first-time homebuyers, how to fix the housing market, housing myths, how often housing prices fall and much more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisemen Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 219 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Peter Boockvar to discuss: why talk of the AI bubble is overblown, inflation expectations, the housing market, Thanksgiving food, and much more! This episode is sponsored by KraneShares. Learn more at https://kraneshares.com/KOID Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn TAF #116, Teryn breaks down one of the BIGGEST struggles in Permanent Makeup: oily skin — and why it affects stretch, grip, pigment implantation, numbing absorption, and ultimately… your healed results.For 25 years, artists have been told to “just blot more,” “stretch harder,” or “work faster.” But none of that fixes the REAL issue: surface oil AND subsurface oil working against you during every procedure.In this episode, Teryn reveals the science behind oily skin and explains how it sabotages brows and eyeliner results — even for highly skilled artists. She also shares the 2.5-year journey behind creating D'Oil™, the industry's first solution formulated specifically for PMU artists to control oily skin safely, effectively, and professionally.What You'll Learn in This Episode:• Why oily skin causes patchy healed brows & uneven saturation• The difference between surface oil vs. subsurface oil• How oil dilutes pigment the second it enters the skin• Why numbing doesn't absorb well on oily clients• How slippage affects stretch, depth, and needle control• Why this issue does NOT mean you're inexperienced• The formulation & testing behind D'Oil™• How D'Oil™ improves mapping, pigment implantation, numbing, and healed resultsAbout D'Oil™ — OMG's New PMU Innovation:The first-ever PMU solution designed to:✔ Remove surface + subsurface oil✔ Improve pigment implantation✔ Improve numbing absorption✔ Reduce glove slippage✔ Maintain hydrated, pliable skin✔ Support better healed results✔ Work in under 2 minutes✔ Safe for brows + eyeliner (pH 6)No oil. No slip. No problem.Black Friday Sale• D'Oil™ Intro Price: $16.50Shop: GirlzInk.comStay ConnectedInstagram: @girlzinkstudio | @teryndarlingNewsletter: Free PMU education & updates at GirlzInk.com

Andy’s Brave New World: Part 3 The group leaves Yosemite, encounters Crystal. Based on a post by the hospital. Listen to the Podcast at Explicit Novels. They were halfway through clearing the third floor's residential wing when the smell hit them, that too-familiar sweet-sour scent they'd encountered far too many times in the past week. They found him in one of the bedrooms, a middle-aged man in diplomatic attire, Juyeon John Chu, collapsed across his bed as if he'd simply laid down for a moment's rest. "I'll take care of it," Andy said quietly, already moving toward the body. "We can't bury him here, we might need the soil for growing food later. I'll take him to the sea tomorrow morning." No one argued. They'd all seen too many bodies to be truly shocked anymore, but finding one in what was meant to be their sanctuary cast a pall. "Let's get the water system running," Andy suggested after they'd wrapped the body and moved it to the yard. "But hold off on the generator for now. No sense advertising our presence with lights until we're more settled." They chose their rooms quickly. Daniela picked a corner room with good sightlines to the street. Sarah chose one near the bathroom, while Crystal selected a smaller room. Andy took the room nearest the stairs, positioning himself between potential threats and the others. The work of unloading their supplies took the rest of the daylight hours, their movements becoming more efficient as they learned the building's layout. They gathered on the roof as the sun began to set, their camp stoves and rehydrated meals spread out on a foldable plastic table scavenged from the kitchen. The view was breathtaking, the Golden Gate Bridge silhouetted against the darkening sky, the bay waters reflecting the last orange rays of sunlight. Despite everything, despite the silence that had fallen over the city and the scattered signs of candlelight appearing in distant windows, the vista remained stubbornly, achingly beautiful. "It's so pretty here," Crystal offered softly. "And it has everything we need. Good choice." She smiled at Andy. "Yeah, I'm glad this place has a gym," Sarah said, picking at her camping meal. "If I could just order my Korean skincare products, I'd be set." She sighed. "God, my skin is going to be a disaster without my routine." Andy chuckled, leaning back against the low wall. "For me, it's Netflix and H B O, I'll miss most. And streaming new music." He shrugged at their surprised looks. "I know, I know, I'm a park ranger, I should be all about nature. And I am! But there's nothing like unwinding with a good show or a new album after a long day." "Ice cream," Daniela said suddenly, her voice softer than usual. "I really miss ice cream. It's probably all melted now. And YouTube. Dad and I used to;" she paused. "Watch together all the time. I learned so much from tutorial videos. How to fix things, how to make stuff." She stared at her bowl. Crystal set down her bowl and touched Daniela softly on the arm. "For me, a proper hot shower," she said wistfully. "And getting my hair done at the salon. Just the whole experience of it, someone washing your hair, the massage;" "Oh god, yes," Sarah groaned. "My colorist in L A, she was an artist. These highlights?" She tugged at a strand of her expertly highlighted hair. "They're going to grow out and look awful." "Who did you go to?" Crystal asked, perking up slightly. "In L A, I mean?" "Sadie at Salon Santa Monica," Sarah replied. "Once I could afford it." Crystal's eyes lit up with recognition. "Oh! I knew some girls who went there. The agency had me going to Maurice at Atelier." She named one of the most exclusive salons in Los Angeles. "I mean, I couldn't afford it myself, it was part of the modeling contract." "Maurice?" Sarah's eyes widened. "I dream about getting an appointment there. Their balayage technique is incredible." They spent the next few minutes trading stories about L A salons and beauty treatments, their voices growing more animated as they compared experiences. Andy and Daniela exchanged bored glances, letting them have their moment of nostalgia. Finally, the conversation lulled naturally. Andy cleared his throat, his expression growing more serious. "For tonight, we'll get the Starlink array set up, then everyone can get some rest. Maybe have a shower." He gave Crystal a small smile. "Though it'll be cold for now, the water heater runs on natural gas, so that's going to take some time to sort out." He set his empty bowl aside. "Tomorrow morning, we should head to the Presidio, see what kind of organization is forming there. But before that, we need to think about security. Daniela, those anti-personnel mines you brought; think you can set up a perimeter?" Daniela nodded. "I also want to do a more thorough sweep of the building," he continued. "Check every desk, every shelf. Might find keys, documents, anything useful." The setting sun cast long shadows across the roof as he laid out his thoughts. "This place makes sense as a long-term base. The off-grid water and power should last us months, hopefully long enough to find renewable sources. If we can track down someone who knows electrical work, maybe get some solar panels up here on the roof with a battery bank, we'll be set." Sarah nodded, her expression open. "So we're staying?" A series of quick nods around the group confirmed their agreement. "In that case," Andy continued, "we should start doing serious scavenging runs. Stock up on preserved food, drinks, medical supplies, anything useful we can find. Crystal, can you look up all the grocery stores and restaurants, anywhere we might find food, and put them on a map? I saw a framed map of SF downstairs, we can use that for now." "Of course, glad to. I found a janitorial closet earlier too," Crystal said, her voice careful but eager to contribute. "But most of the cleaning equipment is electric. If we could get some manual supplies I could help maintain the place properly." "Good thinking," Andy acknowledged. "Add that to the list." He paused, considering. "You know, looking at our group, we've got, survival skills, combat expertise, " he nodded toward Daniela, "and you two are both eager and resourceful. But we're missing a lot. No medical knowledge beyond basic first aid. No electrical or mechanical experience. Nobody who knows construction or farming." He looked around the circle. "If we find people with those skills, we should consider inviting them to join us. This place is big enough." "What about the water situation long-term? We'll go through it faster if more join." Daniela asked. "Once our storage runs out, going down to the bay to refill with our trucks and purify would be inefficient. Maybe dangerous too." Andy nodded approvingly at her foresight. "You're right. But that's a problem we share with other survivors, so we can keep an eye out for solutions, maybe try to organize something collectively. A well, maybe? Or a water truck, get someone who knows how to swap its engine for a Tesla electric one." He paused and rubbed his chin. "Solar panels and batteries can last 25-30 years with minimal maintenance. Medium-term, we should look to electrify everything we can. Long-term;" he shrugged. "Hopefully society gets organized enough to restart battery and solar panel production or something." He sat up straighter. "Actually, that should be our top priority, medium term, reducing fuel dependency. All our fuel will degrade within a year anyway." He started counting off on his fingers. "Find an electrician. Scavenge solar panels and batteries. Track down some electric vehicles." A pause. "Everything else we need, food, medicine, weapons, we can stockpile, but fuel? That's our biggest vulnerability right now." "Makes sense," Sarah said, rising from her spot on the roof. "I'm going to set up the array and then hit the gym before bed." She glanced at Andy, her voice taking on a playful tone. "Want to join? I could use a spotter." Andy met her gaze, a slight smile playing at his lips. "Sure. Could use a workout after all that driving." Day 7, Evening The gym felt different in the dim glow of their camping lantern, shadows playing across the equipment. Sarah had changed into a matching set of compression shorts and sports bra in deep purple, the material clinging to every curve as she began her warm-up stretches. Why she felt the need to change from athleisure to athleisure was beyond Andy's comprehension, but he appreciated seeing her in yet another fitness-influencer outfit. She positioned herself where Andy could clearly see her, making each movement deliberately graceful, arching her back slightly more than necessary. "I usually focus on targeted exercises," she said, moving to the cable machine for some standing rows that emphasized her toned back and shoulders. She adjusted her stance, making sure he had a perfect view of her form. "You know, for the gains. But I guess those days are done." Andy let his gaze linger appreciatively on her athletic figure, toned legs, and firm ass. "Those isolation exercises clearly worked for you," he said, moving closer ostensibly to watch her form. "But with everything we're dealing with now, functional strength might be more important." Sarah adjusted her position, deliberately brushing against him as she moved. "Oh? What would you suggest?" "Compound lifts," Andy said, pointing to the power rack. "Deadlifts, squats, bench press. Works multiple muscle groups at once, builds practical strength." He walked over and demonstrated the deadlift form with an empty bar, aware of her eyes on him. Sarah approached the rack, copying his stance but imperfect. "Like this?" she asked, looking back at him over her shoulder. Andy stepped behind her to adjust her position, his hands firm but gentle as they guided her shoulders and hips into proper alignment. He stayed close, his breath warm on her neck. "Keep your back straight," he said, his voice low and intimate. "Engage your core." She completed the lift, then turned to face him, still holding the bar, their bodies inches apart. "That definitely feels different," she said, looking up at him. "More; intense." "It's better for overall fitness," Andy said, making no move to step back. "Not just for show." Sarah set the bar down carefully, letting her hand brush his arm as she straightened. "Well, I trust your expertise. As long as I don't get too bulky." She moved toward the bench press, adding an extra sway to her hips. Looking back at him, she smiled. "Though I have to admit, I don't think I'll be able to stop caring about aesthetic results too." "It really is impressive," Andy said sincerely, his eyes meeting hers. "You'd still be hot if you got bulky though. Amazonian." He said with a flex. She laughed. They worked out a few more minutes, then Sarah approached him, dabbing at her neck with a towel. After a moment's hesitation, she started. "Andy; can we talk serious for a sec?" He nodded, giving her his full attention. "Look, I'm just going to be honest," she said. "I'm attracted to you. How could I not be? You've kept us safe, led us through this nightmare;" She gave a small laugh. "Plus, you know, the whole ranger thing really works for you." Andy smiled, and let her continue, anticipating a "but". "But, well, we only met a few days ago, even if it does feel like it's been weeks. And with everything that's happened," She motioned vaguely at the world outside. "I'm not ready to jump into bed yet. I don't even know what a relationship would look like now. I hope you understand." "Of course," Andy said gently. "I'm attracted to you too, Sarah. Very much. But you're right, we're all still processing everything that's happened. There's no rush." Sarah stepped closer, a playful glint returning to her pretty almond eyes. "That said; maybe we could explore things gradually?" She glanced toward the gym shower. "For instance, I'm gonna shower right now. I need someone to wash my back." She gave him a flirtatious smile before biting her lip. "Though I can't promise you won't end up a little; frustrated." Andy's smile widened. "I think I can handle that risk." "Yeah?" Sarah asked, already backing toward the shower, her eyes sparkling with anticipation. "Yeah," Andy replied, following her lead. They walked together to the shower area, exchanging eager smiles. "Me first," Sarah said playfully, turning her back to him. She slowly peeled off her sports bra, exaggerating her movements and swaying her hips. The compression shorts followed, sliding down her toned legs with deliberate sensuality, revealing a plump and juicy ass. When she turned back, she had one arm draped across her tits and the other hand covering herself below. The lantern light played across her athletic figure; toned, gently muscled stomach, curved hips tapering to strong thighs, and a natural tan line from her usual workout attire. Her skin glowed golden in the dim light, a light sheen of sweat from their workout making her practically shimmer. Seeing Andy's appreciative gaze, she giggled and dropped her arm from her chest. Her cute B-cup tits were perfectly perky, defying gravity even uncovered, with small rosy nipples standing at attention. "Your turn," she said coyly, still covering herself below. Andy laughed and simply pulled off his tank top. "Aww, I give you a show and you just do it like that? No; ceremony?" Grinning, Andy turned and mimicked her earlier performance, slowly working his shorts down with exaggerated movements. When he turned back, he had one hand strategically placed over his junk. They both laughed at the playful awkwardness of the moment before simultaneously revealing themselves fully. "Oh," Sarah said appreciatively, her eyes widening slightly. "Nice; proportions." "Thanks, you too." He said, eyeing her up and down. Sarah laughed and led him into the shower by his arm, both of them very aware of his erect hardness brushing against her waist. She reached for the tap, and sighed luxuriously as the cold stream hit her. "Ahh, that's nice. I always shower cold. It's better for skin and post-workout inflammation." "What about this inflammation?" Andy quipped, making her giggle. They swapped places and as the ice-cold water hit him, Andy tensed slightly, trying not to show it. Sarah noticed anyway. "What kind of ranger isn't used to cold showers?" she teased, reaching for the soap. "Actually, I have the Korean no-B O gene," Andy admitted. "So I usually just skipped showers if there was no hot water." "Gross" Sarah said, as she began soaping herself. "Could you get my back?" she asked innocently, turning around. Andy's hands moved across her shoulders and down her spine. She turned back to face him. "Oh, and I think I missed a spot in front too;" Andy's breath caught as his hands cupped her tits. They were perfectly sized for his palms, simultaneously firm yet yielding, with hard nipples pressing against his fingers as he explored them. Sarah giggled at his expression of sacred reverence. "Are they that nice?" she asked playfully, mewling gently at his touch. "Yes, they are," he breathed. She took the soap and returned the favor, working her way down his back and across his stomach. When she reached his waist, she paused, looking up at him questioningly, her hazel eyes wide and innocent despite her intentions. At his smile, she wrapped her delicate fingers around his shaft, exploring every inch with careful attention. Andy watched as she traced the length with feather-light touches, circled the sensitive head with her thumb, stroked the tender underside, and gently cupped his balls. Her eyes never left his face, studying his reactions to each touch, noting every subtle change in his expression to learn what pleased him most. Turning off the water, she pressed closer, her wet skin sliding against his. "Think you can finish like this?" Her voice was soft but confident. "Yes," Andy managed, already breathing harder from her exploratory touches. She gripped him with both hands now, quickly establishing a rhythm. The soap acted as a perfect lubricant, letting her fingers and palms glide smoothly up and down his shaft. Her technique was precise, one hand working his base while the other focused on his sensitive head, occasionally twisting slightly in a way that made his knees weak. Her gaze was intense as she worked him harder and faster, her eager face showing clear enjoyment of the power she held over him. Water droplets ran down her face and neck, across her perfect tits, making her skin glisten in the dim light. She varied her pressure and speed expertly, reading his reactions and adjusting accordingly. When his hips began to thrust involuntarily, she matched his rhythm, her small hands providing the perfect amount of friction and pressure. Just as he felt his orgasm build, she shifted her approach, her left hand maintaining a steady stroke while her right hand moved lower to gently massage his balls. The change in sensation made him gasp, bringing him back from the edge while introducing a new kind of pleasure. She grinned at his reaction as she rolled and squeezed him gently. "Please, I was getting close" Andy breathed. With a mischievous wink, she resumed jacking him with both hands, drawing another sigh from Andy as he enjoyed the feeling of her soft fingers rubbing his shaft. Andy's breathing grew increasingly ragged as the pressure built. His hands gripped the shower wall for support as Sarah worked him relentlessly toward his peak. She seemed to sense when he was close, her movements becoming more focused and deliberate. Her eyes locked onto his face, eager to watch his expression as he came. When he finally reached his climax, it was intense, thick ropes of warm white cum erupting from his cock, splashing across her toned stomach and thighs. His whole body shuddered with each pulse as she continued to stroke him through his orgasm, maintaining perfect pressure to draw out every last wave of pleasure. She watched in fascination as his seed painted her skin, her expression one of satisfaction and pride at bringing him such intense release. "Wow, that's so hot." Sarah said, looking at the impressive volume. "Someone's been storing that up, huh?" Andy closed his eyes and smiled deeply. "Yeah." he breathed. "Been a while. Thanks." He ran a hand down her shoulder, savoring the feeling of her soft, cold skin, the post-nut clarity heightening his awareness. She examined her cum-covered hands and smirked. "Hey loves!" she chirped in her best content-creator voice. "Today, I'm so excited to share this amazing new product with you!" She winked at Andy. "Make sure to swipe up for the full review!" She delicately touched her finger to her tongue, then assumed a thoughtful expression. "Hmm, nice thick consistency, slightly sweet with just a hint of salt. Ten out of ten would recommend!" She sucked on her finger erotically, then dissolved into giggles at Andy's amused expression. "Don't forget to like and follow for more cum content!" She turned the water back on, laughing as Andy visibly flinched at the cold. "Really, some ranger you are!" The water washed away the evidence of their activities, and they stepped out to dry off. Andy felt wonderfully relaxed, tension draining from his shoulders. "What about you?" he asked softly. "Don't worry about me," Sarah smiled, toweling her hair. "I don't think I could anyway. Too much tension, and;" she paused, "I'd need to feel more emotionally connected." Andy looked puzzled. "Wait, so you're comfortable showering together, giving me a handjob, and even tasting my cum, and we haven't even held hands? Or kissed? Actually," he realized, "we haven't even hugged." Sarah giggled. "Those things are about love and emotional connection," she explained. "And for me, so is sex. This?" she giggled again, mimicking a handjob in the air. "This was just making sure my fearless protector," she emphasized those words with a sultry voice "is thinking with his brain and not his cock!" She gave him a playful grin. "And; tasting a new Korean sauce. If you're really good to me, maybe I'll be trying a new Korean skincare next time." They both laughed. She paused, letting the towel drop. "Although; I wouldn't mind a hug now, if you want." Andy opened his arms and she stepped into them. They held each other, feeling the warmth of skin on skin, this simple embrace feeling somehow far more intimate than what they'd just done. Day 7, Late Night Andy lay in bed, his phone's glow illuminating his face as he scrolled through Beacon. A soft, barely audible knock at his door caught his attention. He opened it to find Crystal standing in the dark hallway. Even in the dim light cast by his phone, her stunning figure was unmistakable. She wore a delicate black lace bra that cupped and lifted her full tits, creating an enticing cleavage. A matching garter belt hugged her narrow waist, leading to sheer stockings that emphasized her long, toned legs. High-cut lace panties completed the ensemble, leaving little to the imagination. The scent of her expensive perfume, a light, floral fragrance, wafted towards him, adding to the intoxicating effect of her presence. "May I come in?" Crystal whispered, her voice barely audible. Andy nodded, stepping aside to let her enter. As she passed, he couldn't help but notice how the lace hugged the curve of her perfect, heart-shaped ass. Crystal closed the door behind her, hesitated for a brief moment, then turned to face him. "I thought I might; fulfill my end of the bargain," she said softly, her posture shifting to emphasize her curves. She took a step closer, her blue eyes locked on his. "I'm here to show my appreciation, in whatever way you'd like." Andy smiled ruefully, taking in her body but thinking about his encounter with Sarah only a few minutes ago. He knew he almost certainly wouldn't be able to get hard so soon. Not wanting to reveal this, he decided to try to play it off, raising a hand to stop her. "Hey, relax, we just got here. You don't have to worry about that right now." He forced his eyes away from her perky tits and up to her eyes. Crystal's demeanor deflated slightly, a mix of surprise, relief and disappointment crossing her face. "Are you sure?" she asked, her voice small. "I; I wanted to be useful to you. I even put on this outfit, just for you, sir." She raised her arms above her head and twirled slowly like a ballerina, showing off her body from all angles. As she rotated, Andy's eyes were drawn to her long, shapely legs. The sheer stockings accentuated every curve, from her delicate ankles to her toned calves and up to her perfectly proportioned thighs. The high-cut panties drew attention to the junction where her legs met her torso, emphasizing the enticing curve of her hips. Her backside was a work of art, two rounded globes, neither too large nor too small, but ideally suited to her frame. The lace of her panties clung to the curves, outlining the heart shape of her ass and hinting at the soft valley between. Unable to help himself, Andy reached out, giving her ass an affectionate squeeze. His hand was met with an enticing balance of firmness and give, soft enough to be incredibly inviting, yet firm enough to maintain its shape, smooth and warm to the touch. Crystal jumped slightly at the contact but quickly tried to play it off, her body instinctively pressing back into his hand for a brief moment before she caught herself. "I appreciate it, truly," Andy said. "But there's no hurry. I'm sure there will be plenty of time for that later." He paused. "If you want to be useful, maybe you could start by making us all coffee in the morning." "I see," Crystal said, turning to face him again. She took a moment to regain her composure, a small smile playing on her lips. "Well, I promise it will be the best coffee you've ever had. The most mind-blowing, hot, tight, wet coffee ever." She winked. Leaning in close, she whispered in his ear, her breath hot against his skin. "If you ever change your mind, you know where to find me." With that, she turned and left the room, the soft click of the door the only sound in the quiet night. Andy sat on the edge of the bed, running a hand through his hair as he processed what had just happened. The image of Crystal in that lingerie was seared into his mind, and he knew it would be a long time before he could forget it. Day 8, Morning The early morning silence in the consulate was profound. Andy woke to sunlight filtering through the curtains, casting long shadows across his room. The building's stillness felt almost reverential, as if the world itself was holding its breath. He rose and headed to the bathroom, splashing cold water on his face and quickly freshening up. The morning routine felt almost normal, a small piece of civilization preserved in their diplomatic sanctuary. Through the window, he could see fog rolling in from the bay, wreathing the silent city in gray. The building's old pipes groaned softly as he washed, the sound echoing through the empty corridors. Andy made his way downstairs to the break room adjacent the kitchen, settling into one of the chairs. Moments later, Crystal appeared carrying a tray with coffee and sugar. She wore loose-fitting silk pajamas that somehow managed to look both casual and elegant, the fabric draping softly over her curves. The absence of a bra was subtle but noticeable, with her perky tits shaking beautifully, and her hard nipples sticking up proudly. "I wasn't sure how you liked your coffee, sir. Unfortunately we don't have milk," she said, putting a soft emphasis on the word "sir" that sent a shiver down his spine. "This is fine, I like it black, thank you," Andy replied, reaching for the cup. "You're going to work on the map of scavenging sites in the area today, right?" "Yes sir. I'll get started on it after my yoga this morning," Crystal responded with a small smile before turning to leave. She paused at the doorway. "Enjoy your coffee, I'll be in my room if you need me." Andy sipped his coffee, appreciating its rich flavor, momentarily distracted by thoughts of Crystal, before returning to scrolling through Beacon on his phone. The posts about San Francisco painted a slowly emerging picture: survivors were gradually congregating at the Presidio, though organization remained loose. Someone had started cataloging available medical supplies across the city's hospitals. Another person was working on getting a solar array functioning at the city hall. A post from the Presidio account caught his attention, they'd designated Land's End as a mass grave site, with plans to begin proper burials soon. Several volunteers with construction equipment were already clearing space. Andy made a mental note, it would be a better option than his original plan of taking the diplomat's body to the sea. He composed a quick message to Mike: "Made it to SF. Secured shelter @ Korean consulate. How's drive north? Your mom?" A few more posts mentioned growing communities forming in Marin and the East Bay, but nothing substantial yet. Most survivors seemed to be following the same instinct, head toward major population centers, look for others, try to rebuild. The Presidio's natural defensive position and former military infrastructure made it an obvious rallying point. Andy finished his coffee, letting the now familiar routine of morning research ground him in this strange new world. The sound of footsteps on the stairs drew his attention. Sarah and Daniela appeared, both looking refreshed despite their slightly sleepy expressions. The consulate's secure walls had clearly provided them their first proper rest in days. "Morning," Sarah said, stifling a yawn. She wore her usual athletic wear, while Daniela was already dressed in camo pants and a t-shirt. "Crystal made coffee, there's some in the kitchen if you want some," Andy offered, gesturing with his empty cup. "Oh god, yes please," Sarah replied, heading for the kitchen. She paused, noticing Daniela's hesitation. "Have you never had coffee?" Daniela shook her head. "Dad said I was too young." "Well, you're basically living adult life now," Sarah said gently. "Might as well try it. Here, I'll make you one." They returned moments later, Sarah handling her cup with ease while Daniela examined hers with suspicion. She took a careful sip and grimaced. "It's; intense," she said diplomatically. Sarah laughed. "Try adding some sugar. Most people don't start with it black." Daniela followed the suggestion, her expression softening as she tasted it again. "Better," she admitted. "I can see why you like it." "Have either of you checked Beacon this morning?" Andy asked. Both shook their heads, so Andy summarized what he'd learned. They listened intently. He watched as a dark expression cast over them both when he brought up the Land's End grave. "Yeah, speaking of which," he added, his tone growing more serious, "we should probably deal with the, ah, body outside. Wrap it properly until we can take it to Land's End." "I'll help," Sarah offered, squaring her shoulders slightly. "I need to get better at handling this kind of thing. Can't be squeamish anymore." Daniela set down her coffee. "I know where the large garbage bags are. They're heavy-duty, should work until we can get something better." Day 8, Midmorning "You sure you don't want to wear something more; practical?" Andy asked, watching Sarah adjust her deep blue Lululemon set in the hallway mirror. "This is practical," she insisted, giving him a little view. The tight sports bra and leggings left little to the imagination, showing off her gentle abs and toned curves. She then covered herself in the North Face jacket he'd selected for her from their scavenged supplies. "Besides, first impressions matter. We want to seem approachable." Andy checked his holstered Glock, making sure it was secure but not too visible under his jacket. "Fine, but at least wear your boots instead of those running shoes." They'd packed their backpacks thoughtfully, bottles of antibiotics carefully wrapped in cloth, and several dozen apples from the fruit stand. "The medicine is what they really need," Andy explained as they prepared to leave, "but I think fresh fruit will mean more to them emotionally. A lot of it in the city will have spoiled by now." "Makes sense," Sarah nodded, shouldering her pack. "A little taste of normal." Andy turned to Daniela, who was studying a building layout. "You good here? Remember, no answering the door-" "Unless it's you guys, I know," she cut him off with a hint of teenage exasperation. "I'll figure out the best spots for the mines and come up with a defense plan." She pointed at a few spots she had already marked on the layout. "I've already found a few spots here." Crystal looked up from where she was marking locations on a large map of San Francisco. "I've marked three promising grocery stores within walking distance," she offered, her braless chest hanging downward as she bent over the map. "I'll have a full scavenging map ready by the evening." "Perfect," Andy said. "We shouldn't be more than a few hours. Mainly just want to get a sense of what's happening at the Presidio, make some connections." He glanced at Sarah. "Ready?" Sarah nodded, and they headed out into the quiet streets of their new city. The morning fog had mostly burned off, revealing a neighborhood frozen in time. Expensive cars sat in driveways, morning newspapers still sat on pristine lawns, and recycling bins waited patiently for a pickup that would never come. The silence was absolute except for the occasional bird call and the whisper of wind through untended gardens. "Look," Sarah pointed, "A Tesla, Model Y. And it's plugged in." Andy marked the location on his phone. "Good catch. That'll be useful later when we're looking for vehicles that don't need gas." They turned onto Jackson Street, where a dark blue Rivian R1T sat parked beneath a row of cherry trees. Andy added its coordinates to their growing list of resources. The houses stood as silent witnesses to the abrupt end of normalcy, gardens still meticulously maintained, windows spotlessly clean, patio furniture arranged for evening cocktails that would never be served. Just eight days ago, this had been one of San Francisco's most exclusive neighborhoods. Now it was a museum piece, preserved in perfect, haunting detail. "It's so weird," Sarah said softly, eyes scanning the immaculate homes around them. "Everything looks exactly like it did before. Like any minute now, people will start coming out to get their mail or walk their dogs." As they walked past another row of silent houses, Sarah glanced at Andy with a playful smile. "Sleep well?" Andy caught her eye and winked. "Very well. Mind's quite clear and focused today, thank you." "Good," she said softly, reaching for his hand and giving it a quick squeeze. "Maybe we can go for round two later today." Their fingers lingered together for a moment before separating, both of them smiling as they continued their walk through the quiet neighborhood. Movement ahead caught their attention, another woman walking alone toward the Presidio. She was in her early thirties, wearing expensive yoga pants and a Patagonia fleece that had seen better days. Her brown hair was pulled back in a messy ponytail, and she kept glancing around nervously as she walked. "Hey," Andy called out softly, not wanting to startle her. She jumped slightly anyway, then relaxed a bit when she saw Sarah. "Oh! Hi," she replied, maintaining a careful distance. Her wedding ring glinted in the morning light, though she was obviously alone. "Would you like an apple?" Andy offered, already reaching into his pack. "We just picked them yesterday." Her eyes lit up. "Really? Fresh fruit?" She stepped closer, accepting the apple with trembling hands. "Thank you. I've been living on protein bars and coconut water from my pantry." She took a bite immediately, closing her eyes briefly at the taste. "I'm Rachel, by the way." "I'm Andy, this is Sarah," Andy replied. "Heading to the Presidio?" Rachel nodded, wiping juice from her chin. "Yeah. I've been holed up in my apartment, but;" She gestured vaguely. "I figured I should see what's happening, maybe find other people. It's getting a little scary being alone. Are you two staying nearby?" "Yeah, we just got into the city," Andy said carefully. "We're a small group, set up at the Korean consulate." He made a mental note, another survivor with no immediately obvious useful skills for their core group. "Oh," Rachel said, seemingly hoping for an invitation that didn't come. "Well, I'm at 2740 Jackson if you; if anyone needs anything. Though I don't have much to offer." "Thanks." said Andy. "Let us know if you need anything as well." "Well, to be honest I could use some food. That's mostly why I'm going to the Presidio." "We don't have a ton to spare right now, but we are planning to go on some scavenging runs soon. We have a truck. If you wanted to join us, we could offer you a split of what we recover." "Oh, that would be great." said Rachel. "Let me get your Beacon handle, let me know when you decide to go." They walked together in silence for a few moments before Rachel spoke again. "Did either of you lose much family?" she asked quietly. "My husband was in New York for meetings when, you know." She twisted her ring absently. "We all lost people," Sarah said gently but firmly, cutting off that line of conversation. Rachel nodded, understanding the boundary. The walk continued in silence. They emerged from the tree line, and the main parade ground of the Presidio opened up before them. What had once been a pristine lawn had transformed into a makeshift settlement of perhaps four or five hundred survivors. Colorful camping tents dotted the grass in loose clusters, many bearing high-end outdoor brand names, testament to San Francisco's wealthy outdoor enthusiast population. Larger military-style tents had been erected at strategic points, including a prominent medical station marked by a red cross fashioned from spray paint. Two nurses in scrubs moved between cots visible through the open flaps. A row of folding tables had been set up near the old barracks, forming an impromptu marketplace. Someone had already established a basic trading post, advertising "batteries, solar chargers, and medicine." Next to it, a woman stood behind a table of sorted electrical equipment, carefully logging exchanges in a notebook. Hand-painted signs stuck in the ground advertised various needs and corresponding Beacon handles: "Needed: Electricians for solar project" "Volunteers wanted, water purification" "Medical Skills? Report to Tent 4" "Engineers needed, power grid planning" The gender disparity was immediately apparent, women outnumbered men significantly, matching the pattern they'd seen elsewhere. A few men in partial military or police uniforms walked the perimeter, rifles slung across their backs. One carried himself with particular authority, speaking into a handheld radio as he made his rounds. A group of women was setting up what looked like a communal kitchen, sorting through boxes of supplies. Nearby, someone had rigged a solar panel to charge phones and laptops, with a small crowd gathered around it. The air smelled of campfire smoke and cooking food, punctuated by the distinctive scent of unwashed bodies and physical labor. "Oh my god," Rachel breathed, taking in the scope of the settlement. "I had no idea there were this many," she noted, eyes wide. Andy studied the scene carefully, noting the mix of organization and chaos. While some basic systems were clearly being established, there was no real sense of central authority yet. Just people with useful skills trying to help where they could, while others waited for direction. A woman with a clipboard approached them, her manner friendly but professional. "Welcome to the Presidio Settlement. Are you here to join us or just checking in?" "The two of us are just checking in," Andy said, gesturing to Sarah. As another volunteer stepped forward to speak with Rachel, he continued, "We arrived in San Francisco yesterday, we've set up in the Korean consulate building. We brought antibiotics and some apples we snagged on the way here, wanted to offer them as a donation." He offered her one of the apples. "Donations are greatly appreciated," the clipboard woman said warmly, accepting the apple. "I'm Alice, by the way." "Are you a volunteer here?" Andy asked. "Yep, been here three days now. We're trying to make a directory of people in the area, if you're okay with me taking down your information?" Sarah glanced at Andy, who nodded. "Sure." "Okay, great." Alice flipped to a fresh page. "Name and age?" "Andy Rhee, 28." She nodded, writing. "We're cataloging useful skills. I'll read through the list, just let me know which apply: Medical training? Engineering? Electrical? Plumbing? Construction? Military experience? Hunting? Navigation? Survival skills? Agriculture? Animal husbandry? Radio operations? Vehicle maintenance? Water treatment? Solar installation?" "I was a park ranger before all this," Andy replied. "So yes to navigation, survival skills, and hunting. Basic first aid training. I'm good with radios too, amateur operator license." Alice made several check marks, nodding appreciatively. "That's actually really useful, we don't have many people with real wilderness experience. A lot of the survivors here worked in tech, myself included." She gestured at the camp. "Lots of programmers, not many who can track game or build shelters." "I'm sure," Andy said dryly. Alice turned to Sarah. "And you?" "I was;" Sarah hesitated, "just a biology student. UCLA, second year. Nothing really useful like Andy." "Hey, don't sell yourself short," Alice said kindly. "Most people here were also doing jobs that don't matter anymore. We're planning to set up training groups, teaching practical skills. Biology could be helpful with agriculture, medicine, lots of things." Sarah simply nodded, looking slightly relieved. "We have two others in our group," Andy added. "Daniela's fourteen, but she has extensive survival, hunting, and military training from her father, he was a Marine, and a; ah; prepper. She can do some vehicle maintenance too I think. And Crystal;" he paused, realizing he didn't know her age. "Well, she'd also need to reskill." Alice's eyebrows rose as she made notes. "A teenager with military training? Interesting." She flipped through her papers. "You should talk to Guillermo Herrera; he was in the Army. He's been trying to organize some basic defense planning for the Presidio. And Diana Wells has been looking for people with hunting experience, trying to put together expeditions to supplement our food supplies." She made a final note. "Do you have a Beacon handle? We're trying to keep a communication network going." Andy gave her his handle, which she copied down carefully. "Well, welcome to the Presidio," Alice said warmly. "We're glad to have people with real survival skills join the community. Even if they're not living here directly," she added with a smile. "Thanks. Oh also, you said 'We're trying to make a directory' earlier. Who is we? Some kind of leadership?" "Nothing formal yet, but there's a group. Mostly people with different types of expertise. I don't know all of them, but Megan Lunn is the one coordinating us. She's great, I trust her a lot." "Great, thanks." As they walked deeper into the settlement, Sarah moved closer to Andy, lowering her voice. "Are you sure it was smart to tell them so much? About where we're staying, our skills, Daniela's training?" Andy considered her question thoughtfully. "Well, here's what I'm thinking. The Presidio is almost certainly going to become the, or at least one of, the centers of power in San Francisco. It's inevitable. The location, the infrastructure, the natural defenses, and it's already starting to get established before anywhere else. If we ever get to a point where we regret having told them our information," He shrugged. "Well, by then we'd already be pretty screwed. We'd probably need to leave the city entirely anyway." "So little downside to being open?" Sarah asked, watching a group of women organizing supplies nearby. "Exactly. I think I'm going to try to talk to Megan and get myself involved early, try to shape how things develop." Andy kept his voice low but confident. "Being cooperative and open now gives us more influence later. If we tried to stay completely separate or, like, secretive, we'd just look suspicious. Then we'd be outsiders trying to affect things from the margins instead of a respected part of the community." Sarah nodded slowly, processing his logic. "If the Presidio is going to be the power here, might as well join it and be a leader within it. I get it." "Yeah. Don't worry," Andy assured her. To be continued. Based on a post by the hospital, for Literotica.

On episode 440 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss stocks moving on no news, reasons today's market is not like the 90s, the Fed needs to cut, Google's breakout, thoughts on Disney, Cembalest's favorite movies, and much more. This episode is sponsored by Invesco & KraneShares Visit  https://www.invesco.com/ to learn more. Invesco. Let's rethink possibility. To learn more about KraneShares' KOID ETF visit, https://kraneshares.com/etf/koid/?adsource=compound Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 199 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Corey Hoffstein, co-founder, CEO and CIO at Newfound Research to discuss: what return stacking is, how the 4 year rule works, leveraging BNPL, making up for lost investing time, and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Public. Fund your account in five minutes or less by visiting http://public.com/ATC Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

From ‘The Compound' (Subscribe Here): On this week's episode of the Compound Podcast with Ian Happ, the guys welcome Ian's Postural Therapist Tyler Skovron on to the show. Ian works with Tyler every single day during the season to get his body ready to play in the games, and Tyler has a unique perspective on how the human body connects. Plus, the guys look at several big trades from around the bigs. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode of the Be Wealthy Podcast, Brett Tanner and co-host Katelyn Mitchell break down one of the most important concepts in wealth building: The Path of Money.Brett walks through how wealthy people think about income, cashflow, reserves, investing, and the compounding machine that ultimately builds long-term freedom. Using real examples — including short-term lending deals, mid-term investments, and legacy real estate — Brett shows how anyone can move from human-capital income to capital-asset income.This episode goes deep into cashflow systems, passive vs. active investments, creating a wealth plan, managing reserves, and understanding the psychology behind spending, saving, and investing. It's a complete roadmap for anyone serious about achieving financial independence.

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Krista Lynch, Senior Vice President, ETF Capital Markets at Grayscale to discuss: the crypto ETF landscape, how staking works, what's coming next in this space and much more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

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On episode 218 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Warren Pies to discuss: Nvidia earnings, how the market will end the year, solutions to America's housing affordability crisis, and much more! This episode is sponsored by Public and Vanguard. Fund your Public account in five minutes or less by visiting ⁠https://public.com/compound⁠ Learn more about Vanguard at: ⁠https://www.vanguard.com/audio Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. See terms and conditions of Public's ACATS & IRA Match Program. Matched funds must remain in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *Rate as of 9/26/25. APY is variable and subject to change. Learn more about your ad choices. Visit megaphone.fm/adchoices

DMSO is an "umbrella remedy" capable of treating a wide range of challenging ailments. It has a unique affinity for the eyes, resulting in DMSO frequently treating a wide range of visual disorders that frequently cannot be treated with conventional therapeutic options — including blindness DMSO's potent anti-inflammatory properties allow it to treat a variety of challenging inflammatory eye conditions throughout the eye, including uveitis, iridocyclitis, and iritis, along with releasing the troublesome adhesions (synechia) associated with them DMSO's ability to restore fluid circulation and protect compromised nerves allows it to rapidly reduce intraocular pressure and protect the optic nerves of glaucoma patients DMSO's unique ability to stabilize proteins and solubilize misfolded ones allows it to eliminate a variety of pathologic protein deposits in the eyes, such as floaters and cataracts. Likewise, users often report that their eyes become much sharper and clearer as less obvious deposits are eliminated DMSO's ability to normalize the shape of the eyes also frequently results in users reporting their eyes regain the ability to focus and glasses no longer being needed (particularly for nearsightedness). This article will review how DMSO can treat these conditions and how those healing properties allow it to treat many other challenging eye conditions, such as eye strain, dry eyes, vision loss, and macular degeneration

What happens when you chase success without a personal philosophy strong enough to hold you steady? In today's episode, Kevin and Alan reveal the core mindset that has carried them through years of unseen work, delayed validation, and relentless consistency. You'll learn why identity-driven mantras matter, how they protect your focus when progress is invisible, and why serious growth only comes from serious standards.If you're committed to long-term improvement but feel stuck in the gap between effort and results, this will give you the clarity and fire you've been missing.Learn more about:Your first 30-minute “Business Breakthrough Session” call with Alan is FREE. This call is designed to help you identify bottlenecks and build a clear plan for your next level. - https://calendly.com/alanlazaros/30-minute-breakthrough-sessionJoin our private Facebook community, “Next Level Nation,” to grow alongside people who are committed to improvement. - https://www.facebook.com/groups/459320958216700_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.

If you're asking someone else about the market - it's not the market that's wrong - it's your portfolio. It's not suited for your risk tolerance or you have the wrong tools. Something isn't right so evaluate that before asking someone about the market because even the most qualified market participant can't 100% determine the direction of the market. This may be the start of a huge downturn or the "discount" on stocks you've been waiting for since April. You just don't know - but charts tell a MUCH clearer story. LEARN THEM! BLACK FRIDAY SALES END SOON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER - Up to 68% off and 52 trainings for the next year. HUGE SALE saving you over $1,000. ⁠⁠⁠⁠SEEKING ALPHA BUNDLE - Save over $200⁠⁠⁠⁠Seeking Alpha Premium - FREE 7 day trial ⁠⁠⁠⁠Alpha Picks - Save $100 ⁠⁠⁠⁠Seeking Alpha Pro - for the Pros ⁠⁠EPISODE SUMMARY

On episode 439 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss: the Degen Dow pain trade, the lack of euphoria, AI skepticism, long bear markets, Michael Burry's crash calls, the great stuff transfer, the Bitcoin crash, first-time homebuyers, Blue Owl and much more. This episode is sponsored by Nuveen & YCharts Invest like the future is watching. Visit https://www.nuveen.com/future to learn more. Register for the November 19th webinar with Nick Maggiulli here: WEBINAR REGISTRATION and get 20% off your initial YCharts Professional subscription HERE when you start your free YCharts trial through Animal Spirits (new customers only). Animal Spirits audience survey: https://www.surveymonkey.com/r/P6T79NB Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 198 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Ritholtz CFO Bill Sweet to discuss: 50% losses in your portfolio, stock concentration, 401k optimization, HELOC, Roth, and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! Visit: https://exhibitaforadvice.com/ for all your charting needs! Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

From ‘The Compound' (Subscribe Here): On this week's episode of the Compound Podcast with Ian Happ, the guys welcome back Ian from New York and discuss the Cubs team gold glove win and Kyle Hendricks retirement. After that, we get a live reaction to Shota Imanaga accepting the qualifying offer and returning to the Cubs in 2026. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this conversation, Marshall and Nick discuss the evolving landscape of automotive detailing, focusing on the rise of ceramic coatings, the impact of AI on content creation, and the importance of quality products in the detailing industry. They explore the challenges faced by small business owners, the misconception of busyness versus profitability, and the significance of having a structured approach to detailing. The discussion also touches on the maintenance of electric vehicles and the necessity of choosing the right products for optimal results.Chapters00:00 The State of Automotive Journalism02:52 The Impact of AI on Content Creation06:12 The Evolution of Detailing Practices09:10 The Role of Social Media in Car Culture12:01 Pad Washing Techniques and Preferences15:07 Insights on EVs and Maintenance17:56 Kia Paint and Detailing Solutions22:00 Optimizing Detailing Techniques27:58 The Business of Detailing: Profitability vs. Busyness32:33 Understanding Profitability in Business39:34 The Myth of Busyness in Business46:00 Maximizing Efficiency Over Cost-Cutting

Robert Leshner — the mind behind Compound, and now the founder of Superstate — believes the next trillion-dollar shift will come from bringing the world's assets on-chain.In this episode, Cami sits down with one of DeFi's earliest pioneers to unpack:Why DeFi itself shouldn't change — but assets willHow tokenized T-bills, basis strategies, and even equities are finally getting institutional tractionWhy regulatory “tailwinds,” not new laws, unlocked the RWA boomThe two competing models of tokenized stocks — and why both will winWhat happens when DeFi becomes the infrastructure powering TradFiWhat he'd do differently after Compound's messy transition to decentralized governanceRobert also gives us a candid breakdown of how Superstate is building “canonical tokenization” — letting public companies turn their actual stock into blockchain-native assets — and why the real breakthrough won't come from issuance… but from DeFi use cases.

For this week's episode of the Clinician's Corner, we've gone into the archives to pull out another clinical pearl from one of our favorite episodes - and today we discuss the powerful healing properties of sulforaphane with David Roberts & Dr. John Gildea, from Mara Labs.   This interview first aired in 2023, and the full interview can be viewed here.   Clinical pearls we extracted from the original interview: The story behind BrocElite, a stabilized sulforaphane supplement The motivation behind the research  The scientific background on sulforaphane (e.g., its development and stabilization) How sulforaphane plays a role in cancer and chemotherapy  The Clinician's Corner is brought to you by the Institute of Restorative Health. Follow us: https://www.instagram.com/instituteofrestorativehealth/   Connect with Mara Labs: Website: https://mara-labs.com/ Instagram: https://www.instagram.com/themaralabs/?hl=en Facebook: https://www.facebook.com/themaralabs/    Speaker bios: David Roberts holds a MPH from Johns Hopkins, a Masters in BME from the UVA, and a Bachelors in EE and BME from Duke. David has more than 20 years of public health experience on three continents. In 2014 David cofounded the gut supplement, RESTORE, now called ION.    Dr. John Gildea is Cell Pathophysiologist and Molecular Geneticist with 33 years of scientific research experience at the bench in both industrial and academic labs.  A guiding principle of his work is to establish innovative optimized model systems and assays in order to robustly investigate both normal and pathological states. He has extensive expertise establishing and investigating in-vivo, ex-vivo, primary and immortalized cell culture systems, molecular biology, antibody based and nucleic acid based diagnostic assay development, electron and fluorescence microscopy and flow cytometry. Dr. Gildea has published 63 peer reviewed articles, 3 book chapters, 3 reviews, 3 patents, and has 3173 citations.    Keywords: functional health, sulforaphane, broccoli, breast cancer, oncology, chemosensitizer, glucoraphanin, myrosinase, supplement, restorative health, anti cancer, clinical skills, chronic disease, cancer models, NRF2, antioxidant system, chemotherapy, metastasis, Mara Labs, Baroque Elite, broccoli sprouts, juicing, practitioner training, case studies, gastrointestinal healing, functional medicine, curriculum, certification, clinical mastery, immune system, detoxification Disclaimer: The views expressed in the IRH Clinician's Corner series are those of the individual speakers and interviewees, and do not necessarily reflect the views of the Institute of Restorative Health, LLC. The Institute of Restorative Health, LLC does not specifically endorse or approve of any of the information or opinions expressed in the IRH Clinician's Corner series. The information and opinions expressed in the IRH Clinician's Corner series are for educational purposes only and should not be construed as medical advice. If you have any medical concerns, please consult with a qualified healthcare professional. The Institute of Restorative Health, LLC is not liable for any damages or injuries that may result from the use of the information or opinions expressed in the IRH Clinician's Corner series. By viewing or listening to this information, you agree to hold the Institute of Restorative Health, LLC harmless from any and all claims, demands, and causes of action arising out of or in connection with your participation. Thank you for your understanding.  

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Michael Arone, Chief Investment Strategist and Managing Director at State Street Investment Management to discuss: government spending, bailouts, SPY, stock market concentration, the AI bubble and much more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Important Risk Information Investing involves risk including the risk of loss of principal. ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns. The views expressed in this material are the views of Mike Arone through the period ended November 3, 2025 and are subject to change based on market and other conditions. This document contains certain statements that may be deemed forward-looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Before investing, consider the funds' investment objectives, risks, charges, and expenses. To obtain a prospectus, which contains this and other information, call 1.866.787.2257 or visit www.ssga.com. Read it carefully. ALPS Distributors, Inc. (fund distributor); State Street Global Advisors Funds Distributors, LLC (marketing agent). Adtrax Code: 8567100.1.1.AM.RTL / SPD004287 Expiration: 11/30/26 Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ keynote the financial planning association's annual event. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 217 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Joe Terranova to discuss: the market pullback, AI CapEx, historical trends in the market, rules based investing, and much more! *Filmed in front of a live audience in NYC on 11/13/25* This episode is sponsored by VanEck. Learn more about the VanEck Rare Earth and Strategic Metals ETF here: http://vaneck.com/REMXCompound Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 438 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss the problem with the K-shaped economy narrative, are young people screwed, the benefits of bubbles, the rate cutting cycle, OpenAI, Las Vegas, how to fix the housing market, restaurant stocks are getting killed, the degen economy and more. Today's show is brought to you by Xtrackers by DWS Find out more at https://xtrackers.com Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's show Patrick Gray and Adam Boileau discuss the week's cybersecurity news, including: The KK Park scam compound in Myanmar gets blasted with actual dynamite China sentences more scammers TO DEATH While Singapore is opting to lash them with the cane Chinese security firm KnownSec leaks a bunch of documents Necromancy continues on NSO Group, with a Trump associate in charge OWASP freshens up the Top 10, you won't believe what's number three! This week's episode is sponsored by Thinkst Canary. Big bird Haroon Meer joins and, as usual, makes a good point. If you're going to trust a vendor to do something risky like put a box on your network, they have an obligation to explain how they make that safe. Thinkst has a /security page that does exactly that. So why do we let Palo Alto and Fortinet get away with “trust me, bro”? This episode is also available on Youtube. Show notes Myanmar Junta Dynamites Scam Hub in PR Move as Global Pressure Grows China sentences 5 Myanmar scam kingpins to death | The Record from Recorded Future News Law passed for scammers, mules to be caned after victims in Singapore lose almost $4b since 2020 | The Straits Times KnownSec breach: What we know so far. - NetAskari Risky Bulletin: Another Chinese security firm has its data leaked Inside Congress Live The Government Shutdown Is a Ticking Cybersecurity Time Bomb | WIRED Former Trump official named NSO Group executive chairman | The Record from Recorded Future News Short-term renewal of cyber information sharing law appears in bill to end shutdown | The Record from Recorded Future News Jaguar Land Rover hack hurt the U.K.'s GDP, Bank of England says Monetary Policy Report - November 2025 | Bank of England SonicWall says state-linked actor behind attacks against cloud backup service | Cybersecurity Dive Japanese media giant Nikkei reports Slack breach exposing employee and partner records | The Record from Recorded Future News "Intel sues former employee for allegedly stealing confidential data" Post by @campuscodi.risky.biz — Bluesky Introduction - OWASP Top 10:2025 RC1

On episode 197 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Ritholtz Sr. Advisor Jonathan Novy to discuss: portfolio allocation, insurance products, structuring withdrawals, the 50-year mortgage, career advice, and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Public. Fund your account in five minutes or less by visiting http://public.com/ATC Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jase and Al reminisce about their family's brief history as teenage “runaways,” when no one bothered to send a search party—and how that hands-off parenting style turned out to be pretty effective. Guests Jeremy and Melissa Souza of Good Simple Living share how they built an off-grid homestead from scratch, raised their kids with purpose and grit, and found real community beyond the internet. The guys, Jeremy, and Melissa laugh about learning self-reliance the hard way, surviving on wit and curiosity long before homesteading was cool. Check out Jeremy and Melissa's new children's book Made to Be Ludo as a way to support and give back to children battling cancer—100% of proceeds go to the Childhood Cancer Coalition, and Brave Books is matching donations. Learn more at https://gslbook.com! “Unashamed” Episode 1205 is sponsored by: Stand firm for values that matter. Join the fight & give today at https://www.frc.org/unashamed https://www.puretalk.com/unashamed — Get PureTalk for just $25 a month. Make the switch today! https://ruffgreens.com — Get a FREE Jumpstart Trial Bag for your dog today when you use promo code Unashamed! https://tomorrowclubs.org/unashamed — Jor a limited time, all donations to this “Binga Blitz” will be matched! Join us now and double your impact! https://donewithdebt.com — Start building the life you deserve and talk with one of their strategists today. It's FREE! http://unashamedforhillsdale.com/ — Sign up now for free, and join the Unashamed hosts every Friday for Unashamed Academy Powered by Hillsdale College Listen to Not Yet Now with Zach Dasher on Apple, Spotify, iHeart, or anywhere you get podcasts. Check out At Home with Phil Robertson, nearly 800 episodes of Phil's unfiltered wisdom, humor, and biblical truth, available for free for the first time! Get it on Apple, Spotify, Amazon, and anywhere you listen to podcasts! https://podcasts.apple.com/us/podcast/at-home-with-phil-robertson/id1835224621 Chapters: 00:00-9:46 Jase's “tapper” won't tap 09:47-20:19 Willie is Bigfoot's mascot 20:20-29:58 Robertsons & Souza's are peas in a pod 29:29-38:18 Helping kids with cancer brings people together 38:19-45:49 Compound living is biblically sound 45:50-55:11 Is “sheltering” your kids a bad thing? — Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Jonathan Shelon, Chief Operating Officer at KraneShares to discuss: the AI opportunity set, how to invest in private companies in an ETF, the differences between now and the dot-com bubble and the Kraneshares Artificial Intelligence & Technology ETF. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this week's Stansberry Investor Hour, Corey welcomes Josh Brown to the show. Josh is the CEO and co-founder of investment advisory firm Ritholtz Wealth Management, as well as an author and co-host of The Compound and Friends podcast. Josh kicks things off by discussing how his lack of formal education in economics sets him apart in the world of financial media, the importance of relying on your own instincts, and what it was like interviewing legendary investor Peter Lynch. He also talks a bit about how he got to where he is today, including falling in love with the stock market from a young age and the "anti-mentors" he had growing up who showed him firsthand what not to do. Plus, he shares his thoughts on financial media. (0:00) Next, Josh explores what's happening with today's bull market – why it's not 1999 all over again, how folks are underestimating the power of earnings, and AI being in a bubble that will inevitably end. After that, he discusses how he helps his clients, why investors should take on risk earlier in life rather than later, and how Ritholtz withstood losing its biggest client a week before launch to grow to where it is today, with more than $6 billion in assets under management. He notes that being able to scale the business responsibly is a balancing act. (12:32) Finally, Josh explains an important lesson he learned from Shake Shack founder Daniel Meyer about putting your employees first, why he wrote his latest book (You Weren't Supposed to See That), and what's different about today's market versus past markets. He points out that even when the Federal Reserve was hiking rates aggressively, the economy was just fine, so clearly our current market doesn't adhere to previous norms. And Josh closes things out with a discussion about why we might never again get a cyclical recession and what worries him about today's market. (26:51)

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Ara Kharazian, Economist at Ramp to discuss: how companies run their finances, trends in artificial intelligence usage and why tariffs are so confusing. This episode is brought to you by VanEck. Learn more about the VanEck Rare Earth and Strategic Metals ETF: ⁠⁠http://vaneck.com/REMXCompound⁠⁠ Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 216 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Eric Jackson to discuss: searching for 100 baggers, the case for Opendoor, Eric's legendary Carvana call, OpenAI's wild week, and much more! This episode is sponsored by Victory Capital & Apex Fintech Solutions. Learn more about GFLW and get important information at http://www.victoryshares.com/ Learn more about Apex at https://apexfintechsolutions.com/augmented-advice Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices