Podcasts about dimensional

Don and Tom examine the coming wave of blockbuster IPOs, including rumored offerings from SpaceX, Anthropic, and OpenAI, and explain why investor excitement often leads to disappointing results. Drawing on research from Dimensional Fund Advisors and examples such as Uber, Facebook, and Groupon, they discuss the historical underperformance of IPOs and the dangers of buying into hype. They then answer a listener's question about assets-under-management fees, explaining the broader planning, tax, behavioral, and retirement services provided by fiduciary advisors beyond portfolio construction. The episode concludes with a look at the growing number of highly speculative ETFs, including UFO-themed and meme-stock funds, and a warning that investors should focus on diversification and discipline rather than chasing the latest financial product.0:05 Summer IPO mania: SpaceX, Anthropic, OpenAI, and the hype machine1:24 SpaceX's massive valuation and why investors are excited3:05 Anthropic and OpenAI join the trillion-dollar IPO conversation4:29 Comparing today's IPO wave to the dot-com boom5:09 Why hot IPOs are usually a bad investment6:27 Dimensional research on IPO underperformance and liquidity concerns7:51 Uber, Facebook, Groupon, and other IPO cautionary tales8:50 Why even great companies can be poor investments at the wrong price9:45 Why disciplined firms delay adding IPOs to portfolios10:59 How to submit questions to Talking Real Money13:17 Listener question: Is a 1% AUM fee really worth it?15:20 What advisors actually do beyond portfolio management16:44 Vanguard's research on advisor value17:12 Why large portfolios shouldn't pay a flat 1% on all assets18:24 The emotional and behavioral benefits of professional advice20:29 How advisors help investors stay diversified21:45 The explosion of bizarre new ETFs22:49 UFO ETFs, meme-stock funds, and speculative product launches25:05 Why investors should be skeptical of niche ETFs and high feesQuestions? Comments? Click!

Milyssa interviews Andi Saucerman who is the editor and publisher of "Remember Who You Are: A Spiritual Adventure", a book written by author Karen Alexander that explores her experiences with a mysterious entity named Daniel.Andi also has a Master's Degree  in Adult Learning and spent 15 years with the Hoffman Institute working as a teacher and trainer. She is the founder of Universoul Foundations where she helps guide people through deep personal and spiritual transformation. Her own experiences with Dasniel has shaped her understanding of her true spiritual self.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

Don and Tom tackle some of the most common retirement planning mistakes, with a particular focus on taxes and the danger of becoming overly obsessed with them. They discuss taxable Social Security benefits, the importance of diversifying across account types, Roth conversion considerations, tax-loss harvesting, and why most retirement decisions ultimately fall into the category of “it depends.” They also answer a listener question about navigating poor 403(b) plan options and the advantages of a 457 plan for educators. Finally, they dive deep into a thoughtful challenge from a listener regarding Avantis and Dimensional factor funds versus traditional Vanguard index funds, examining the evidence for factor tilts, the role of risk premiums, costs, and whether higher expected returns justify modestly higher expense ratios.0:05 Retirement planning mistakes, taxes, retirement income, financial independence, retirement readiness1:58 Tax obsession, retirement taxes, income planning, financial priorities, wealth management2:43 Social Security taxation, taxable benefits, retirement income, Social Security myths, tax planning5:14 Tax diversification, traditional 401(k), Roth accounts, brokerage accounts, retirement savings7:57 Roth IRA, young investors, compound growth, retirement investing, tax-free income9:11 Tax-loss harvesting, brokerage accounts, capital gains, tax strategy, investment management10:03 Roth conversions, Medicare IRMAA, retirement taxes, financial planning, tax efficiency12:03 Inherited IRAs, heirs, estate planning, retirement accounts, legacy planning13:35 403(b) plans, 457 plans, retirement savings, school employees, listener question15:29 403(b) Wise, 457B Wiser, educator retirement plans, high fees, retirement options18:35 Roth IRA investing, small-cap funds, emerging markets, diversification, asset allocation19:38 Avantis funds, Dimensional funds, Vanguard funds, factor investing, index investing23:55 Fama-French research, small-value premium, indexing, active management, factor premiums26:08 Rules-based investing, passive investing, factor tilts, portfolio construction, diversification27:02 Small-cap value investing, fund performance, index comparisons, advisor value, investment returns30:25 International small value, emerging markets, factor premiums, diversification, expected returns32:55 Academic investing research, Nobel Prize economics, risk premiums, value investing, factor investing35:18 Portfolio construction, asset allocation, diversification, retirement planning, investment strategy36:16 Free portfolio review, financial advice, portfolio allocation, retirement readiness, fiduciary planningQuestions? Comments? Click!

M-Theory and The Tree of Death History and Properties of M-TheoryEngineering Made Easy: 11 Dimensions Explained (Eleven Dimensions) | What are Dimensions & How Many Dimensions are thereOn the Nature of the QlippothFeedback : blackgirlcouch@gmail.com (audio/written)Tumblr: blackgirlcouchYoutube: ChristinaBGC

How can advisors play a more meaningful role in helping affluent families make informed, values-driven decisions? In his debut episode, Dimensional host Stephen de Man welcomes Dave Specht and Jeff Coyle to explore wealth management for highly affluent families. Dave is the Senior Fellow of the Center for Family Business and Entrepreneurs, author of The Family Business Whisperer, and founder of Advising Generations. Jeff is the Founder and CEO of Libretto, and founder of Monograph Wealth.  They discuss how advisors can move beyond portfolio management to guide families on the broader purpose and responsibilities of wealth. Key themes include optimizing the intent behind wealth, prioritizing thoughtful questions over technical expertise, and knowing when to engage specialists. The speakers also highlight the importance of engaging all family members in matters of business ownership, generational transitions, and wealth building.  More from Jeff: Starting to Advise Ultra-Rich Clients? Don't Rebuild Your Firm, Just Rethink It The opinions expressed herein represent the personal views of the author and not necessarily those of Dimensional Fund Advisors LP or its affiliates, and they are subject to change continually (including due to changes in the law) and without notice of any kind. Dimensional makes no representation as to the suitability of any advisor, and we do not endorse, recommend, or guarantee the services of any advisor.

Tom and Don tackle the impossible task of spotting market bubbles in real time, leaning on insights from Jason Zweigand Eugene Fama to argue that if bubbles were truly predictable, they wouldn't exist. They discuss soaring semiconductor and AI-related stocks, speculative manias from tulips to SPACs to Bitcoin, and why diversification and disciplined rebalancing beat emotional market timing every time. Listener questions cover tax-loss harvesting and wash sales involving VT, VTI, and VXUS ETFs, family conversations about money, Roth conversion strategy for a wealthy near-retiree, and Dimensional's refusal to chase hot IPOs despite the S&P 500's changing rules. Along the way, there's plenty of classic TRM banter about giant brains, vacation boredom, and the dangers of trying to outsmart markets that are probably smarter than all of us combined.0:05 Bubble noises, market mania, and why everyone thinks they can spot bubbles1:11 Jason Zweig on semiconductor stocks soaring nearly 40% in a month2:23 Emerging markets, small value, and global stocks compared to AI-driven speculation3:39 Eugene Fama explains why bubbles are impossible to identify in real time4:26 Dot-coms, Bitcoin, SPACs, and the legendary tulip bulb bubble5:03 Why “doing nothing” often beats reacting emotionally to market fears5:51 Jason Zweig's sign of a bubble: when critics get attacked instead of debated7:15 Rebalancing, diversification, and why the S&P 500 alone isn't enough9:41 Listener question on tax-loss harvesting, wash sales, and replacing VT with VTI and VXUS14:05 Why families should talk openly about money instead of outsourcing financial education to TikTok17:44 Near-retiree with $7.3 million asks about Roth conversions and paying taxes from IRAs20:36 Dimensional responds to S&P rule changes allowing earlier IPO inclusion21:15 Why Dimensional avoids IPOs during their first year after going public22:39 Allbirds' collapse from a $2.2 billion IPO to a $39 million sale24:47 Why waiting before buying IPOs may reduce riskQuestions? Comments? Click!

Don opens this Friday Q&A episode with a personal reflection on finally releasing his historical fiction novel The Line Uncrossed, inspired by his great-great-grandfather's imprisonment at Andersonville during the Civil War. Listener questions then cover the wisdom (or insanity) of converting millions from a traditional IRA to a Roth all at once, the evolving role of “538” savings accounts, why covered calls and options strategies often disappoint despite sounding clever, skepticism over the show's repeated praise of Avantis and Dimensional funds, and the surprisingly massive dollar amounts collected in ETF management fees. Throughout, Don leans hard into skepticism, simplicity, evidence-based investing, and the dangers of overcomplicating portfolios or tax planning.0:05 Friday Q&A tradition and how listeners submit spoken questions1:28 Don talks about releasing The Line Uncrossed next week2:22 Andersonville inspiration and writing historical fiction3:29 Listener asks about converting $4.1M traditional IRA to Roth to avoid RMDs5:55 Why a massive one-time Roth conversion could be financially disastrous7:17 RMD misconceptions and the need for professional tax planning8:13 Discussion of proposed “538” accounts and Roth conversion possibilities10:40 Listener asks about covered calls, selling puts, and options strategies12:06 Why buying options is gambling and covered calls eventually fail13:28 The illusion of downside protection with covered calls14:58 Skeptic questions repeated mentions of Avantis and Dimensional funds17:31 Don explains factor investing, Fama/French research, and fee tradeoffs20:30 Why TRM recommends Avantis and Dimensional despite higher costs20:38 Don responds directly to accusations of compensation or sponsorship21:47 Listener shocked by millions paid in ETF management fees22:26 What ETF management fees actually pay for behind the scenes23:27 Why large ETF operations require huge staffs and compliance teams24:33 Final call for listener questions and advisor meetingsQuestions? Comments? Click!

Skunkworks, broken physics, and family issues, oh my! Shaun Duke and Paul Weimer are joined by John Chu for a discussion about his new novel, The Subtle Art of Folding Space! Together, they explore John’s treatment of food, the real and fantastical science in the book, weird family dynamics, and much more! Thanks for listening. We hope you enjoy the episode! Show Notes: John Chu’s Things: Website Bluesky The Subtle Art of Folding Space (available now!) Video versions of our episodes appear on our handy YouTube channel! Sub and watch! Don’t forget to catch our live format every Friday at 7 PM Central on Twitch at AlphabetStreams! If you have a question you'd like us to answer, feel free to shoot us a message on our contact page. Our new intro and outro music comes from Holy Mole. You can support his work at patreon.com/holymole. See you later, navigator!

Milyssa talks with author, medium and spiritual healer Christi Clemons Hoffman about her book Real Life Angel Encounters and other interesting metaphysical stories.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

Don and Tom take aim at the booming annuity industry, arguing that most annuities are sold through fear, confusion, and unrealistic promises rather than honest financial planning. They explain why indexed annuities are especially problematic, why annuities should be viewed strictly as income tools rather than investments, and how even “good” annuities often return your own money back to you first. The episode also covers smarter retirement income strategies, including maximizing Social Security benefits, plus listener questions on “Trump accounts” and youth retirement accounts, taxable investing with DFAW vs. VT, factor investing, and whether U.S. government bonds remain safe despite soaring national debt. Along the way, the hosts detour into a spirited discussion about Pacific Northwest town pronunciations and Sacagawea.0:14 Why annuities are booming as baby boomers retire0:38 The illusion of “market returns with no risk”2:11 How annuities are actually sold through fear and seminars3:22 Why annuities should be viewed as income products, not investments4:17 Immediate vs. deferred vs. variable vs. indexed annuities5:03 Indexed annuities and the “no risk, stock market returns” pitch5:36 What people really want from annuities: guaranteed income6:17 Liquidity, guarantees, and the hidden costs of annuities6:50 Why single premium immediate annuities can disappoint7:29 How SPIAs often return your own principal first8:03 Inflation riders, survivor benefits, and reduced payouts9:13 Longevity fears and unrealistic retirement assumptions9:47 Social Security as the best inflation-adjusted annuity most people underuse10:13 How to submit questions to Talking Real Money10:45 Listener question: “Trump accounts” and YRAs explained11:57 Why YRAs are not especially tax-advantaged12:40 529 plans vs. youth retirement accounts14:25 Listener question: DFAW vs. VT in taxable accounts15:47 Foreign tax credits and overthinking portfolio optimization16:17 Factor investing, Dimensional, Avantis, and small value tilts17:38 Listener question: Are U.S. bonds safe with $39 trillion in debt?18:31 Why U.S. Treasury bonds remain highly secure19:10 Who actually owns most U.S. government debt20:36 The origin and pronunciation battle over Sedro-Woolley21:33 Lewis and Clark, Sacagawea, and Pacific Northwest pronunciationsQuestions? Comments? Click!

Tricia tells us about her very unique Bigfoot encounter! Seen a cryptid or something weird? Email us . info@cryptidcreatures.co

This Q&A episode of Talking Real Money covers a wide range of listener questions, from proposed “youth retirement accounts” and 529 plans to the deceptive marketing tactics behind indexed annuity steak dinners. Don also shares details about his upcoming Civil War novel, The Line Uncrossed, releasing May 22. Other topics include Vanguard's ETF stock split, the difference between quantitative investing and factor-based investing used by firms like Dimensional and Avantis, and a bizarre Apple Podcasts glitch that incorrectly labeled a recent episode as explicit content. Along the way, Don delivers a passionate takedown of indexed annuity sales tactics and marvels at modern AI audio cleanup tools0:05 Q&A episode kickoff and listener question backlog talk1:13 Don discusses dictation vs typing and listener engagement2:21 Announcement of Don's debut Civil War novel The Line Uncrossed3:35 Decoration Day origins and Memorial Day history4:38 Question about proposed youth retirement accounts and 529 plans6:30 Why proposed 530A accounts currently cannot fund 529s7:40 Reminder about free fiduciary advisor meetings at TalkingRealMoney.com8:09 Listener reports attending a free steak dinner annuity seminar9:47 Indexed annuity “54% bonus” pitch dissected11:29 Why indexed annuity charts are misleading13:25 Hidden caps, fine print, and low long-term returns14:49 The truth behind “bonus” annuity money15:51 Don unloads on indexed annuity sales tactics and commissions17:26 Vanguard's mega-cap ETF stock split explained18:40 Why ETF stock splits can help small investors19:30 Difference between quantitative investing and factor investing20:49 Demonstration of AI audio cleanup software21:23 How Dimensional and Avantis use evidence-based investing rules23:33 Listener reports Apple Podcasts flagged “War vs. Markets” as explicit24:06 Don investigates the mysterious Apple Podcasts explicit label25:34 Apple appears to have manually overridden the explicit setting27:02 Request for more listener questions and podcast sharing27:55 Final reminder about Don's novel presale availabilityQuestions? Comments? Click!

In Episode 39 of The Unholy Podcast, host Doug Owen welcomes paranormal researcher and experiencer Milyssa Leigh for a chilling discussion exploring the strange world of transdimensional phenomena. Together, they examine encounters that blur the line between hauntings, interdimensional entities, spiritual oppression, and unexplained realities that may exist just beyond human perception.From personal experiences to disturbing investigative accounts, Milyssa Leigh shares her insights into phenomena that challenge conventional paranormal theories and raise deeper questions about what may truly exist beyond our understanding.This episode dives into:Transdimensional encountersShadow entities and unexplained manifestationsParanormal attachment and oppressionTheories surrounding alternate realities and spiritual gatewaysThe psychological and emotional impact of extreme paranormal experiencesDark, thought-provoking, and deeply unsettling, Episode 39 explores the possibility that some paranormal encounters may not originate from the dead at all… but from something far more unknown.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

Dami Roelse is a certified life coach and author. Born and raised in Holland, Dami has traveled the world extensively, lived on different continents and studied with different spiritual teachers. Dami has learned to use her travel as an inspiration for living. Dami has used her passion for long distance hiking and backpacking as a means to deepen her connection with nature and the universe. Her inner spiritual journey has evolved right along with her outer journey. Her new book is entitled, “Body and Grace: A Woman's Hike to Wholeness on the Pacific Crest Trail”.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

Do you want to clearly express who you are, process your feelings and emotions, and be able to engage with the world in a way that is grounded but also clear, meaningful, and purposeful? This week, we move from the fluid, emotional depths of the sacral into the Heart Chakra—the sacred bridge between our physical reality and our highest consciousness. Right now, we are collectively being asked to move from the "Human Doing" back into the "Human Being." In this episode of Soul Sessions, Amanda explores how the heart is far more than just a center for kindness; it is an electromagnetic powerhouse and the gateway to 5th Dimensional energy. When we clear the heart, we stop living from our conditioning and start living from our essence, allowing manifestation to click into place with multi-dimensional speed. This episode explores: The Bridge Between Worlds: Understanding the heart as the meeting place between your lower physical chakras and your upper spiritual centers. The Paradox of Expansion: Why touching your deepest pain and suppressed sadness is the exact key to experiencing infinite love and oneness. Human Being vs. Human Doing: Shifting from the "administration" of your life to the legacy of your soul. Why are you really here? The DNA of the Heart: The physical connection between the heart’s anatomy, your DNA, and how breathing into your chest clears the pineal gland to activate intuition. Breaking Time and Space: How to recognize those "glitch in the matrix" moments of pure bliss where the 5D frequency takes over. Clearing the Log Jam: How to identify ancestral, karmic, and genetic conditioning that manifests as tension in the ribs, lungs, and thoracic spine. The Witness Effect: The science of "Paying it Forward" and why witnessing kindness provides a bigger energetic spike than even receiving it. WORK WITH THIS EPISODE For the next 7 days, focus on the bridge of your Heart Chakra: The 4-Second Inhalation: Inhale deeply through your nose for 4 seconds. Feel your chest expand and visualize your spinal fluid traveling from your sacrum up into your brain, washing your pineal gland and clearing the "log jam." Body Awareness: Notice any tightness in your intercostal muscles (between the ribs), shoulder blades, or chest. When you feel tension, acknowledge the emotion behind it—whether it’s sadness or joy—without bypassing it. Acts of High Frequency: Perform one random act of kindness with "no strings attached." Notice how the energetic exchange shifts your frequency and the frequency of those who witness it. Visualize Emerald Green: During your morning routine, envision a vibrant green light (Jade or Emerald) emanating from your chest, acting as a signal to the field that you are open to receive and ready to lead from love. Reclaim your agency and authority by standing in your truth—whether that is the weight of sadness or the radiance of joy. By refusing to bypass your emotions, you bridge the gap to the mystical and the otherworldly. Embrace your frequency, live it honestly, and watch how it transforms everything you touch! Additional Resources: Ready to go deeper? Join Amanda’s Conscious Community for May: The Frequency Field What Are The 6 Dimensions of Consciousness? (watch here) Root Chakra: Is It Anxiety or Activation? (watch here) Sacral Chakra: Are You Leaking Energy? (watch here) Solar Plexus: What Are You Unconsciously Broadcasting? (watch here) Host: Amanda Rieger Green Subscribe to Amanda's YouTube HERE! Follow Amanda on Instagram: @soulpathology Check out Amanda's Website: SoulPathology.com Send Amanda an Email: Podcast@soulsessions.meFollow Amanda on Instagram: https://www.instagram.com/soulpathology/See omnystudio.com/listener for privacy information.

On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Ben Felix to break down one of the most debated topics in long-term investing: small cap value investing. Ben explains the research behind factor investing, the Fama-French multi-factor model, and why investors continue to look at small cap value ETFs like AVUV and Dimensional funds as potential upgrades to traditional index fund portfolios.  If you've ever wondered whether AVUV, Dimensional ETFs, or small cap value funds can outperform broad market index funds like VTI over the long run, this episode gives you a deep evidence-based framework for deciding. Connect with Ben Felix! Website: https://www.pwlcapital.com/?ki-cf-botcl=1 YouTube: https://www.youtube.com/@BenFelixCSI Podcast: https://rationalreminder.ca/podcast Resources from today's episode: https://zbib.org/669127c48e994c818f42b4354a84ed21 To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Global ETF assets have climbed to roughly $20 trillion, and one structure is drawing fresh attention: dual share classes, where a single portfolio can be accessed as both a mutual fund and an ETF. Funmi Osiyale, from J.P. Morgan's ETF sales team, sits down with Dimensional's Joel Schneider and Lauren Olson to explore how the model works and what benefits investors could see — from potential cost savings and tax efficiency to broader access and simpler product lineups. The conversation also covers day-to-day market mechanics, liquidity considerations and what's next for Dimensional's ETF platform.    This episode was recorded on April 14, 2026.   This podcast is intended for institutional clients only. The views expressed in the podcast may not necessarily reflect the views of J.P. Morgan Chase & Co, and its affiliates, together J.P. Morgan, and do not constitute research or recommendation advice or an offer or a solicitation to buy or sell any security or financial instrument. Referenced products and services in this podcast may not be suitable for you and may not be available in all jurisdictions. J.P. Morgan may make markets and trade as principal in securities and other asset classes and financial products that may have been discussed. For additional disclaimers and regulatory disclosures, please visit www.jpmorgan.com/disclosures. Copyright 2026 JPMorgan Chase & Co. All rights reserved.

In this "Past Life" regression of Brad Of Arc we visited other dimensions and viewed our 3D world through a lens the way someone from the 5th dimension might see it! A weird and wild rabbit hole for this one, Stay Weird!To find Brad—> https://linktr.ee/bradofarcTo Follow Us On Patreon—> https://www.patreon.com/c/MetaMysticsEmail Us!—> MetaMystics@yahoo.comSubscribe to our Youtube—> http://www.youtube.com/@MetaMysticsTo Follow Us On TikTok—> https://www.tiktok.com/@metamysticsGive us a follow on Instagram—> @MetaMystics111Become a supporter of this podcast: https://www.spreaker.com/podcast/meta-mystics--5795466/support.You Don't Know What You Don't Know!

Milyssa interviews author, researcher and paranormal survivor Doug Owen.Doug Owen is a non-fiction author and independent paranormal investigator, as well as the founder of Authentic Haunted which is based in Idaho. Doug has devoted decades to conducting paranormal research at some of America's most enigmatic and haunted locations. He is the author of The Unholy Silence which chronicles his terrifying experiences living in an extremely haunted house. Doug is also the host of The Unholy Podcast which is now available here on the Paranormal UK Radio Network.wwwe.autherdougowen.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

To access more bonus episodes, other exclusive content, and discounts, join my online community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the Spiritual Awakening Sanctuary⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠In this Bonus Episode we discuss the four new layers of Dimensional Frequency Expansion (DFE), the angelic sound and light language I channel and teach. This powerful sound journey is an exploration of all 11 layers of these quantum healing vibrations.Learn more about DFE here.Check out my ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for many more tools and services to help you grow in your spiritual awakening process.Follow me on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Insight Timer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Music⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Boomers take the blame (with a grin) while unpacking the real retirement mistakes that still trip people up today—failing to plan, claiming Social Security too early, relying on bad advice, and mismatching portfolios to actual needs. The episode leans hard into practical fixes: delay Social Security when it makes sense, build a real financial roadmap, ignore friends-as-advisors, and understand the difference between savings and portfolio strategy. A listener question adds clarity on when (and why) to introduce bonds versus using high-yield savings, followed by a quick dive into Dimensional's factor-based investing approach. The throughline: retirement success isn't about clever products—it's about disciplined planning and avoiding expensive behavioral mistakes.0:05 Boomer blame (playfully) and framing retirement mistakes1:16 Retirement regrets: not saving enough, not starting early2:26 The bigger issue: lack of a real retirement plan3:25 Retirement as the “final quarter” mindset shift4:31 Social Security mistakes and early claiming problem6:04 Why waiting feels shorter than you think6:44 The “8% guaranteed” Social Security advantage7:40 Spousal strategy and survivor benefit risks8:10 Buying products vs. having a plan8:53 Dangerous reliance on friends and family for advice10:10 Why professional advice matters (and the sales trap)12:31 Generational differences in talking about money13:15 Why families should discuss finances openly13:15 Portfolio mismatch and unnecessary risk-taking14:24 Spending honesty (or lack thereof)15:26 Only ~1% of advisors are true fiduciaries17:19 Caller: high-yield savings vs. bonds (age 30, aggressive investor)18:50 Role of bonds as portfolio stabilizers20:53 When to add bonds and how much21:38 Importance of diversification within stocks22:31 Dimensional vs. traditional target date funds24:14 Factor investing: small, value, profitability26:34 Risk and return—no free lunchQuestions? Comments? Click!

​Watch how top coaches escape the grind and scale to £100K/month using systems that run without them: https://www.7fss.com/7fss-vsl-a?el=5dimensionalpodcastWant a FREE copy of our 5C Million Dollar Content & Ads Course - Click here : https://www.charlieslivetraining.com/7fss-4c?el=5dimensionalpodcastConnect With Me On Other Platforms:Instagram: @charliejohnsonfitnesshttps://www.instagram.com/charliejohnsonfitness/Instagram: @sevenfigurescalingsystemshttps://www.instagram.com/sevenfigurescalingsystems/Podcast: The Charlie Johnson Showhttps://podcasts.apple.com/ae/podcast/physically-jacked-financially-stacked/id1671480628LinkedIn : Charlie Johnsonhttps://www.linkedin.com/in/charlie-johnson-fitness/Book your FREE Business Audit Call Now: https://www.7fss.com/7fss-vsl-yt?htrafficsource=youtube&el=Want a FREE copy of our 4C Million Dollar Content & Ads Course - Click here : https://charlieslivetraining.com/4cmain?htrafficsource=youtube&el=Connect With Me On Other Platforms:Instagram: @charliejohnsonfitnesshttps://www.instagram.com/charliejohnsonfitness/Instagram: @sevenfigurescalingsystemshttps://www.instagram.com/sevenfigurescalingsystems/Podcast: The Charlie Johnson Showhttps://podcasts.apple.com/ae/podcast/physically-jacked-financially-stacked/id1671480628LinkedIn : Charlie Johnsonhttps://www.linkedin.com/in/charlie-johnson-fitness Hosted on Acast. See acast.com/privacy for more information.

In this episode, the Rational Reminder team unpacks the mechanics and implications of mega IPOs like SpaceX, OpenAI, and Anthropic potentially entering public indices. They explore how index funds handle IPO inclusion, why newly public stocks tend to underperform, and how structural features of indexing can lead to systematically buying high and selling low. The conversation dives into academic research on IPO returns, the role of free float in index construction, and how evolving market dynamics are forcing index providers to reconsider long-standing rules. They also examine alternative approaches from firms like Dimensional and Avantis, and whether investors are truly missing out by not accessing private markets. This episode blends market structure, empirical evidence, and investor behaviour into a nuanced look at one of the most talked-about investing topics today.   Key Points From This Episode: (0:00:04) Introduction to the Rational Reminder Podcast and hosts. (0:00:19) PWL Capital expands to Vancouver through partnership with Macdonald Shymko & Company. (0:03:45) Main topic: "Mega IPOs" and concerns about index fund exposure. (0:05:00) Why large private companies going public matters for index investors. (0:06:55) Index funds aim to represent markets—not optimize returns. (0:08:41) Massive scale of index funds and implications for IPO demand. (0:10:19) Why IPOs tend to have low expected returns. (0:12:39) How index inclusion rules differ (S&P 500 vs total market indices). (0:15:53) Research on "fast-track" IPO inclusion and front-running effects. (0:18:59) Why mega IPOs may amplify existing inefficiencies. (0:20:39) Important reminder: indexing trade-offs are small and structural—not fatal. (0:21:29) Potential solutions like pre-allocating IPO shares to index funds. (0:23:24) The role of free float in determining index weight. (0:25:00) NASDAQ rule changes and implications for low-float mega IPOs. (0:27:40) Conflict of interest concerns in index rule changes. (0:32:43) Why index providers may need to evolve with changing markets. (0:35:27) Historical changes to index methodology (e.g., float adjustment). (0:37:21) Why IPOs are historically poor investments ("new issues puzzle"). (0:40:28) Evidence from Dimensional on IPO underperformance. (0:41:14) IPOs behave like "junk" stocks (small, unprofitable, high growth). (0:43:04) Low-float IPOs and extreme underperformance data. (0:46:00) High valuations (price-to-sales) linked to worse IPO outcomes. (0:48:00) Index rebalancing as systematic "bad market timing." (0:50:03) Dimensional vs Avantis approaches to IPO inclusion. (0:52:56) Trade-offs and tracking error across different strategies. (0:54:16) Importance of investor discipline amid changing narratives. (0:56:00) Are investors missing out on private markets? (0:58:00) Risks and costs of accessing private shares (SPVs, fees, fraud). (1:00:15) Indirect exposure to private companies through public equities. (1:02:52) Final takeaway: index investing already captures most opportunities. (1:03:25) Wrap-up: IPOs are a known cost—not a reason to abandon indexing.   Links: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Ben Wilson on LinkedIn — https://ca.linkedin.com/in/ben-wilson   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

What if wellness wasn't just about one area of life, but about the full picture of how we live, lead, work, and connect? In this episode of How to Run Profitable Retreats, I'm joined by Dr. Aimee Harris, founder of Dimensional Wellness and creator of the Dimensional Wellness Matrix. With a PhD in corporate wellness and a deep background in leadership development, employee well-being, and transformational programs, Dr. Aimee brings a perspective that is both highly strategic and deeply human. We talk about why true wellness cannot be separated into neat little boxes, and how emotional, physical, social, workplace, financial, and spiritual well-being all influence each other more than most people realize. Dr. Aimee shares how her work evolved beyond traditional clinical models into a more complete, multidimensional approach that helps people identify where they are out of balance and what needs support. Inside this episode, we explore: ▪️ Why wellness must be approached as an interconnected system ▪️ What the Dimensional Wellness Matrix is and how it helps identify imbalance ▪️ Why corporate wellness is a massive opportunity for retreat leaders ▪️ What companies are really looking for when they invest in wellness experiences This conversation is especially powerful if you want to create retreats and experiences that go beyond inspiration and lead to measurable transformation.

Feed bad data into an artificial intelligence model and it will confidently lie to you. AI is a pattern matcher with zero intuition. It will simply scale your existing data mistakes at a terrifying speed. Proper data governance is the only way to prevent this.Healthcare IT Today sat down with James Kirtley, Senior Software Engineer, and Julie Lamoureux, Senior Healthcare Consultant, from Dimensional Insight. They break down the messy realities of hospital consolidation and the hidden friction of dirty data . You will learn how establishing clear data rules ends executive arguments over conflicting spreadsheets . This approach builds internal trust and acts as a fast track to better leadership decisions .

Please join Denise Mange and me as we launch the new season of Awaken To Happiness Now and as we talk about Dimensional Shifts & Our Pets. During this interview, we'll Explore: Why the current sense of polarization is not a breakdown, but a stretching of frequency required for higher dimensional expression, timelines, and realities. The role our pets play as energetic stabilizers and mirrors, helping us regulate, ground, and move through change with greater ease. How animals help us remember our roles in this moment of expansion, whether as originators, rhythm setters, or conscious participants in shaping what comes next. Ways to work with your pet's energy and behavior as a guide, allowing them to support you in navigating uncertainty, trusting your intuition, and embodying this next level of awareness Denise's Special Offers: https://www.awakentohappinessnow.com/s41denise #shefaliburns , #awakentohappinessnow, #healing, #energy, #transformation, #consciousness, #love, #consciousliving, #joy, #empowerment, #wellness, #spirituality, #spiritualawakening, #awareness, #podcast #denisemange, #pets, #animalcommunication  

Last week Fox News returned to its schizophrenic confused coverage of the war in Iran. In the mornings on Fox & Friends the conflict was depicted as a chaotic mess between a stubborn Iranian regime that refused to give an inch and Trump the misunderstood magical deal maker. The morning crew promised its viewers that although the war was a fiasco military success and lower gas prices were just round the corner.On Jesse Watters Primetime the Iranian regime was defeated and the war was already over. Trump had accomplished what no other American leader had done before - created peace in the Middle East by destroying the number one sponsor of terror.To many outside of the Fox News MAGA cult it seemed Trump brokered a brief ceasefire with Iran because he had absolutely no idea what to do next.Fox News, his personal propaganda machine, acknowledged but downplayed the fact that the two-week ceasefire included a 10-point plan that basically gave Iran everything it wanted including enriched uranium.The network also admitted openly that the Strait of Hormuz was essentially still closed, Israel continued to pummel targets in Lebanon and the Iranian people had not risen up and toppled their brutal theocratic government.Everything was terrible but the Murdoch owned media empire was determined to make it look like an amazing victory for its glorious leader.While Fox News put all of its focus on Trump's possible strategy for ending the war in Iran the PBS News Hour included segments about:* Problems for farmers - fertilizer prices increase due to the war* How the war affected Muslim, Jewish and Christian holidays in the Middle East* Israeli strikes in Lebanon - the effect on civilians* U.S. service members with traumatic brain injuries* How the war is increasing inflation in the U.S. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit decodingfoxnews.substack.com/subscribe

This podcast explains Musa Bashirs new theory on Reincarnation and the files.Topics 1. Reincarnation 2. Sodomy Doctrine3. Dimensional planes4. Gnosis5. A theoretical solution6. Reptilian hybrids.

What role should a board of directors play in shaping the future of your business? In this episode, Lindsay Jordan, Senior Manager in Financial Accounting Advisory Services at Ernst & Young LLP, joins host Catherine Williams, Dimensional's Head of Practice Management, to explore how advisory boards can become a powerful catalyst for growth, governance, and strategic alignment. They emphasize that building a board is not a one-size-fits-all decision, covering how to thoughtfully evaluate whether a board makes sense, how to evolve an existing one, and how intentional design and member selection can bring meaningful expertise, perspective, and momentum to an organization.

What if the way we think about investing—and expected returns—was fundamentally incomplete? In this episode, Ben Felix and Dan Bortolotti take a deep dive into one of the most influential papers in financial economics: Fama and French (1993). With nearly 15,000 citations, this research reshaped how we understand asset pricing by showing that market beta alone isn't enough to explain returns. Instead, multiple factors—specifically size and value—play a critical role. Ben and Dan unpack how this paper challenged the dominance of CAPM, introduced the now-famous Three-Factor Model, and laid the foundation for decades of empirical asset pricing research. They explore how factor investing evolved, why anomalies may not be anomalies at all, and what this means for evaluating portfolios and active managers today. The conversation also connects theory to practice—highlighting how modern fund providers implement factor strategies and what it means for investors trying to improve expected returns without abandoning diversification.     Key Points From This Episode: (0:00:00)  Introduction to the episode and why this is a long-awaited deep dive into factor investing. (0:01:12) Overview of Fama and French (1993) and its massive impact on finance and portfolio management. (0:03:55) Origins of factor investing and how it connects to index investing and academic research. (0:04:46) Core premise: multiple factors drive expected returns and asset prices. (0:06:08) He explains why different assets can have different expected returns, and why that matters for investors. (0:07:24) Ben introduces the CAPM as the dominant model that linked expected return to market beta. (0:08:53) Dan reflects on how revolutionary CAPM and portfolio theory were when they were first introduced. (0:10:51) Ben describes today as a "golden age of investing," where theory and implementation tools are widely accessible. (0:11:17) He explains how anomalies emerged that CAPM could not explain. (0:12:10) Ben introduces the joint hypothesis problem: we cannot cleanly separate market efficiency from model accuracy. (0:13:47) He identifies the three big issues with CAPM: size, value, and the weak relationship between beta and returns. (0:15:29) Ben introduces the three-factor model: market, size (SMB), and value (HML). (0:17:37) He explains that these factors are built as long-short portfolios designed to capture systematic return variation. (0:18:02) Dan notes that the model did not really address the low-volatility anomaly. (0:18:36) Ben agrees and explains that later work, including the five-factor model, went further on that front. (0:19:03) Ben describes how Fama and French formed 25 portfolios sorted by size and book-to-market. (0:20:00) He explains their use of time-series regression to test how well the model explained portfolio returns. (0:21:12) Ben walks through factor loadings, alpha, and R-squared, and why those outputs matter. (0:23:31) He highlights the model's strong explanatory power, with average R-squared around 0.93 across test portfolios. (0:25:00) Dan clarifies that unexplained return could reflect skill, luck, or another missing factor. (0:25:27) Ben emphasizes how dramatic the jump was from CAPM's explanatory power to the three-factor model's. (0:26:11) He points to small-cap growth as the major area the model struggled to explain. (0:27:09) Ben explains how the model also absorbed dividend-to-price and earnings-to-price "anomalies." (0:28:01) Dan discusses why dividend strategies may simply act as rough value screens rather than offering something unique. (0:28:52) Ben expands on how later research, especially profitability, sharpened value investing implementation. (0:30:37) He notes the unresolved debate over whether factors are true risk exposures or persistent mispricing. (0:32:16) Ben explains how factor models changed the way investors evaluate active managers and fees. (0:33:16) Dan raises the possibility that some early active managers may have intuitively identified factor opportunities before the research formalized them. (0:34:09) Ben discusses whether factor premiums have shrunk after publication and why the evidence is still noisy. (0:34:59) He describes how the paper helped launch the boom in empirical asset pricing research. (0:35:35) Ben introduces the "factor zoo" problem and the explosion of published factors. (0:36:49) He explains the five-factor model and the addition of profitability and investment. (0:38:21) Dan asks about the intuition behind profitability and investment, especially why profitable firms might have higher expected returns. (0:39:38) Ben explains profitability through a multi-factor lens and inferred discount rates. (0:42:15) He argues that combining factors matters because single-factor portfolios can have offsetting exposures. (0:44:05) Dan points out that layering too many factors naively can just bring you back toward the market portfolio. (0:44:56) Ben discusses the tradeoff between diversified tilts and concentrated factor bets. (0:46:29) Dan describes factor tilting as a subtle adjustment around a diversified core portfolio. (0:46:47) Ben cites Fama's idea that investors need to "talk themselves out of the market portfolio." (0:47:16) He notes that there is still active debate over which factors and models truly make sense. (0:48:31) Dan explains why momentum is harder to implement in practice because of turnover, taxes, and trading costs. (0:49:23) Ben says even simple-sounding factors like value and profitability remain heavily debated in academia. (0:50:20) He brings the discussion back to practical relevance: how investors can access factor exposure through funds. (0:51:06) Ben explains Dimensional's roots in academic research and its long history of implementation. (0:52:48) He introduces Avantis as a newer competitor with similar academic foundations and newly launched Canadian ETFs. (0:53:42) Ben discloses that PWL uses Dimensional extensively, while noting they are not paid to mention Dimensional or Avantis. (0:54:09) He summarizes what factor investing means for investors seeking higher expected returns through systematic tilts. (0:55:47) Dan reflects on how early PWL's adoption of index and factor-based investing was in the Canadian market. (0:57:07) Ben invites listeners to learn more about how PWL applies this thinking in client portfolios. (0:57:41) The episode moves to the after show and review section. (0:58:21) Dan reads a listener review focused on evidence-based investing, planning, and disciplined saving. (1:00:23) Ben notes that they never actually named the paper during the main episode. (1:00:32) Dan closes with: the paper is Common Risk Factors in the Returns on Stocks and Bonds.     Links: Patrick Adams – MIT PhD Candidate: https://patrick-adams.com/  Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

"My God..." I whispered..." CREEPYPASTA► "We built a 4-dimensional house. Shouldn't have walked on the roof." written by RohanRedfang, narrated by ClancyPasta► https://www.reddit.com/r/nosleep/comments/1s046gs/we_built_a_4dimensional_house_shouldnt_have/Here are ways to support the channel if you wish ~MERCH ► http://teespring.com/stores/clancypastastorePATREON ► https://patreon.com/clancypastaMEMBERSHIP ► https://www.youtube.com/channel/UCnfg9w5hrnPT7oA1H3uRZEQ/joinHere's where you can find me, and also links to the audio version of the show ~X / TWITTER ► http://x.com/clancypastaINSTA ► https://instagram.com/clancypastaSPOTIFY ► https://open.spotify.com/show/51DHHPsFnEvDAGfRiZPMF7ANCHOR.FM ► https://anchor.fm/clancypastaMUSIC► Background music is original and done in house by my best friend and house audio designer SKEEVY WEEVIL#Creepypasta #scarystories #horrorstories

This episode opens with a blistering takedown of sensationalized financial media, using a Kiplinger income piece as the latest example of how risky, high-fee junk bond products get dressed up as safe income solutions for yield-hungry investors. Don and Tom explain why bonds are supposed to provide stability, not speculative upside, and why chasing eye-popping payouts usually means swallowing hidden risk, ugly expenses, and stock-like volatility. They then pivot to listener questions on building a teen's Roth IRA, whether Avantis or Dimensional funds make more sense than Vanguard for a small/value tilt, and why their website still shows mutual funds more prominently than ETFs, before wrapping with some loose studio banter and a reminder to send questions through TalkingRealMoney.com. 0:04 Rant on terrible financial advice and declining media trust 0:24 Criticism of Kiplinger and “investment porn” content 1:08 Concerns about newsletter-driven incentives 2:35 Warning against using short-term returns 4:13 Breakdown of Nuveen Multi-Asset Income Fund and unrealistic yield claims 5:08 Junk bond exposure and credit risk explained 6:18 Expense shock: 0.03% vs 3.38% 7:18 High yields = high risk reality 8:01 “Safe income” claim debunked 8:57 Collapse risk in downturns 9:37 Core principle: risk and return are linked 10:38 Fed/yield curve speculation criticism 10:56 Purpose of bonds: stability vs yield 11:27 Bonds as capital preservation, not return drivers 12:05 Example of high-cost junk bond ETF 12:12 Fewer trustworthy financial sources 13:16 Stop consuming financial media noise 13:38 Do something better with your time 14:32 Listener: teen Roth IRA strategy 16:33 Recommendation: AVGV single-fund approach 17:40 Fund-of-funds diversification explained 18:38 Listener: Vanguard vs Dimensional Fund Advisors / Avantis 19:45 Case for small/value tilt 21:59 Listener: ETF vs mutual fund inconsistency 24:12 Simple portfolio: DFAW / AVGE + BND 25:11 Studio banter and mic technique Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?This episode opens with a blistering takedown of sensationalized financial media, using a Kiplinger income piece as the latest example of how risky, high-fee junk bond products get dressed up as safe income solutions for yield-hungry investors. Don and Tom explain why bonds are supposed to provide stability, not speculative upside, and why chasing eye-popping payouts usually means swallowing hidden risk, ugly expenses, and stock-like volatility. They then pivot to listener questions on building a teen's Roth IRA, whether Avantis or Dimensional funds make more sense than Vanguard for a small/value tilt, and why their website still shows mutual funds more prominently than ETFs, before wrapping with some loose studio banter and a reminder to send questions through TalkingRealMoney.com.0:04 Rant on terrible financial advice and declining media trust0:24 Criticism of Kiplinger and “investment porn” content1:08 Concerns about newsletter-driven incentives2:35 Warning against using short-term returns4:13 Breakdown of Nuveen Multi-Asset Income Fund and unrealistic yield claims5:08 Junk bond exposure and credit risk explained6:18 Expense shock: 0.03% vs 3.38%7:18 High yields = high risk reality8:01 “Safe income” claim debunked8:57 Collapse risk in downturns9:37 Core principle: risk and return are linked10:38 Fed/yield curve speculation criticism10:56 Purpose of bonds: stability vs yield11:27 Bonds as capital preservation, not return drivers12:05 Example of high-cost junk bond ETF12:12 Fewer trustworthy financial sources13:16 Stop consuming financial media noise13:38 Do something better with your time14:32 Listener: teen Roth IRA strategy16:33 Recommendation: AVGV single-fund approach17:40 Fund-of-funds diversification explained18:38 Listener: Vanguard vs Dimensional Fund Advisors / Avantis19:45 Case for small/value tilt21:59 Listener: ETF vs mutual fund inconsistency24:12 Simple portfolio: DFAW / AVGE + BND25:11 Studio banter and mic techniqueLearn more about your ad choices. Visit megaphone.fm/adchoices

Scientific Sense ® by Gill Eapen: Prof. Gunther Kletetschka is Associate Research Professor at the University of Alaska. His expertise includes physics, geology, biology, and astronomyPlease subscribe to this channel:https://www.youtube.com/c/ScientificSense?sub_confirmation=1

After years of directing time, attention, and capital toward private markets, institutional investors are taking a fresh look at whether they underinvested — intellectually and operationally  — in public markets.Gerard O'Reilly, co-CEO of Dimensional Fund Advisors, said many large investors are reassessing their approach after treating public markets largely as a low-cost, passive allocation. With volatility and concentration in major benchmarks rising — and more scrutiny on how portfolios are actually implemented — some are asking whether they left returns on the table.That reassessment is less about shifting from passive to active, and more about how “passive” is executed in practice.Dimensional, which is built around the idea that markets are broadly efficient, does not try to outguess them in a traditional sense. But unlike rigid index-tracking approaches, it allows for more flexibility in how portfolios are constructed and traded.O'Reilly pointed to index rebalancing as one example, where funds tracking an index may be forced to buy stocks after prices have risen and sell after they have fallen. “Those are mechanical trades,” he said. “You're not necessarily getting the best price — you're just following the rule.”“You don't need to add more uncertainty than markets already give you,” O'Reilly said. “The question is whether you can improve outcomes without sacrificing discipline.”For institutions coming back to public markets, that may be less about picking winners — and more about how those portfolios are actually built and traded.

Romans Principle 31 – Two-Dimensional LoveRomans 15:7-14To live in God's will, not only are we to accept one another but we are to instruct one another.NEW! - Let us know what you think of the program! Support the show

What role should marketing play in the growth of a modern advisory business? In this episode, Dimensional's Head of Practice Management, Catherine Williams, sits down with Lauren Hong, founder and CEO of Out & About Communications and host of The Out & About Podcast, and Megan Carpenter, co-founder and CEO of Ficomm Partners and host of Growth Leaders of Wealth Management Podcast, to explore how branding, communications, and strategy intersect in today's evolving financial advisory landscape. They discuss the importance of developing an authentic brand, aligning marketing initiatives with broader business goals, and balancing emerging tools like artificial intelligence with the relationship-driven nature of financial advice. The conversation also covers practical considerations for advisors, including how to evaluate outsourcing, the role of testimonials under new regulations from the Securities and Exchange Commission, the role of marketing in mergers and acquisitions, and how firms can strategically allocate resources to support long-term growth.

In this powerful QHHT Hypnosis session episode, I guide a client through a profound Quantum Healing Hypnosis Technique session that reveals multiple past lives connected by a deep soul theme of abandonment.As we begin this episode, my client first finds herself in what she describes as an 8th-dimensional realm, a place of overwhelming love, beauty, and peace. The contrast between this higher dimension and life on Earth is profound, reminding us of the true origins of the soul.As the regression unfolds, my client is shown several lifetimes that help her understand the deeper purpose behind difficult experiences in this life. Through the guidance of the Higher Self, the soul reveals how these challenges were chosen for growth, healing, and evolution.This episode explores powerful spiritual topics including:• Past life regression • Higher Self communication • Soul contracts and life lessons • Spiritual awakening • Higher dimensions of consciousness • Healing abandonment wounds through past livesIf you've ever wondered why souls choose difficult experiences or what exists beyond our physical reality, this session offers a glimpse into the profound wisdom of the soul.✨ Remember where your soul comes from and how that remembrance can help us bring more love, healing, and heaven to Earth.#akashicrecords #soulconnection #soutlessons #soulgrowth #pastlifecontracts #soulcontracts #spiritualawakening #higherdoensions #qhhthypnosis #qhhtdolorescannon #dolorescannon #soulhealing Mayra Rath is a Spiritual Hypnotherapist specializing in Past Life Regression Therapy and QHHT Hypnosis. With over 26 years of experience, she has guided countless individuals through transformative journeys into their past lives, helping them uncover deep-rooted patterns and heal emotional wounds and traumas connected to previous incarnations.Based in Los Angeles, Mayra conducts sessions through her private practice, Soul Signs Hypnosis, both in-person and remotely.Connect with me Website: https://www.soulsigns.netSocial Media:TIKTOK:@SoulSignsHypnosisInstagram:@SoulSignsHypnosisFacebook Group: https://www.facebook.com/groups/1009959799420939 Youtube: @SoulSignsHypnosisPODCAST: Past Lives with Mayra Rath (Apple & Spotify)#pastlivespodcast #starseedmeaning #starseedactivations #qhhtpractitioner #qhhtsessions Hosted on Acast. See acast.com/privacy for more information.

In this Friday Q&A episode, Don answers four listener questions covering fund recommendations, special-needs financial planning, retirement withdrawal strategy, and tax-efficient health savings. First, he addresses whether Talking Real Money receives commissions for mentioning Avantis and Dimensional funds (they do not) and explains why those firms' evidence-based strategies stand out. A second caller asks about planning for a child with a lifelong disability, prompting Don to stress the importance of working with a specialist attorney to establish structures such as special-needs trusts and ABLE accounts. Another listener questions whether all-in-one funds complicate retirement withdrawals, but Don argues that simple portfolio withdrawals beat complex optimization strategies. The episode closes with a teacher nearing retirement asking whether drawing from a 457 plan to keep funding an HSA is worthwhile, which Don notes can create a powerful tax advantage similar to a Roth conversion. 0:05 Friday Q&A intro and reminder to submit voice questions at TalkingRealMoney.com 0:50 Listener asks whether Don and Tom receive commissions for recommending Avantis or Dimensional funds 1:33 Don explains the evidence-based origins of Dimensional and Avantis and confirms there are no commissions or compensation 4:15 Caller asks how to financially plan for a child with a lifelong neurological disability 5:15 Don stresses the importance of working with a special-needs attorney and explains tools like ABLE accounts and special-needs trusts 7:09 Listener asks whether all-in-one funds like VT or AVGE create problems when withdrawing money in retirement 8:27 Don argues simplicity is better than optimization and recommends withdrawing from the portfolio as a whole rather than trying to pick winners 10:49 Teacher retiring at 54 asks whether it makes sense to withdraw from a 457 plan to continue maximizing HSA contributions 12:38 Don explains how using taxable withdrawals to fund an HSA can effectively create a Roth-like tax benefit Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?In this Friday Q&A episode, Don answers four listener questions covering fund recommendations, special-needs financial planning, retirement withdrawal strategy, and tax-efficient health savings. First, he addresses whether Talking Real Money receives commissions for mentioning Avantis and Dimensional funds (they do not) and explains why those firms' evidence-based strategies stand out. A second caller asks about planning for a child with a lifelong disability, prompting Don to stress the importance of working with a specialist attorney to establish structures such as special-needs trusts and ABLE accounts. Another listener questions whether all-in-one funds complicate retirement withdrawals, but Don argues that simple portfolio withdrawals beat complex optimization strategies. The episode closes with a teacher nearing retirement asking whether drawing from a 457 plan to keep funding an HSA is worthwhile, which Don notes can create a powerful tax advantage similar to a Roth conversion.0:05 Friday Q&A intro and reminder to submit voice questions at TalkingRealMoney.com0:50 Listener asks whether Don and Tom receive commissions for recommending Avantis or Dimensional funds1:33 Don explains the evidence-based origins of Dimensional and Avantis and confirms there are no commissions or compensation4:15 Caller asks how to financially plan for a child with a lifelong neurological disability5:15 Don stresses the importance of working with a special-needs attorney and explains tools like ABLE accounts and special-needs trusts7:09 Listener asks whether all-in-one funds like VT or AVGE create problems when withdrawing money in retirement8:27 Don argues simplicity is better than optimization and recommends withdrawing from the portfolio as a whole rather than trying to pick winners10:49 Teacher retiring at 54 asks whether it makes sense to withdraw from a 457 plan to continue maximizing HSA contributions12:38 Don explains how using taxable withdrawals to fund an HSA can effectively create a Roth-like tax benefitLearn more about your ad choices. Visit megaphone.fm/adchoices

In a world where gut instinct once ruled the day—from football coaches making pivotal fourth-down decisions to investors choosing their next stock pick—a revolution has reshaped the landscape: reliable data and analytics. Drawing inspiration from the principles behind the film Moneyball and a recent article by David Booth on 3 Lessons from Investing's Moneyball Moment in Fortune magazine, I break down what a century of US stock market history reveals for everyday investors. Lesson 1. Insiders Aren't Smarter Than Outsiders One of the key insights unearthed from this century's worth of data is simple but profound: experts, or “insiders,” don't consistently outperform the market. Early research using the University of Chicago's Center for Research on Security Prices (CRSP) data found that, on average, mutual funds and clever stock pickers failed to beat the simple strategy of buying and holding a diversified market portfolio.  This led to the explosion of index funds, notably pioneered by Vanguard and enabled by firms like Dimensional. Now, anyone, not just Wall Street professionals, can own broad, low-cost portfolios and harness the long-term growth of the entire market rather than trying (and in most cases, failing) to outsmart it. Lesson 2. Bet on Human Ingenuity Human creativity and progress power the market's reliable returns over the decades. Companies go public to raise money, which they funnel into improving their products and expanding their reach. Every day, millions of people at thousands of companies are seeking better ways to serve their customers and grow profits. When you invest in the stock market, you're ultimately betting on people's ability to innovate and adapt to a changing world. This century-long experiment in collective growth has consistently delivered average returns of around 10% per year, a number that's survived wars, recessions, inflation spikes, and bubbles. Lesson 3. Investor Behavior Is Key If reams of data tell us anything, it's this: reliable, long-term returns belong to disciplined investors. The journey is never smooth—market downturns feel chaotic and alarming in the moment. Yet, $1,000 invested in 1926 would have grown to over $17 million by 2025, despite wars, crashes, and global crises. Most investors who stuck with the market over any 10- or 20-year span came out ahead. Stay disciplined, trust the data, and know that while the challenges may look different, the power of long-term, patient investing is timeless. Outline of This Episode [00:00] 100 years of market insights[03:14] Football transformed by data analytics[07:32] Moneyball, markets, and data[11:06] Insiders vs. outsiders on stocks[16:17] Human ingenuity in investing[17:26] Investing discipline drives long-term success Resources Mentioned Moneyball Synopsis 3 lessons from investing's moneyball moment in Fortune University of Chicago's Center for Research on Security Prices (CRSP)  Connect With Scott Wellens Schedule a discovery call with ScottSend a message to ScottVisit Fortress Planning GroupConnect with Scott on LinkedInFollow Scott on TwitterFortress Planning Group on Facebook Subscribe to Best In Wealth Audio Production and Show Notes by PODCAST FAST TRACK https://www.podcastfasttrack.com Podcast Disclaimer: The Best In Wealth Podcast is hosted by Scott Wellens. Scott Wellens is the principal at Fortress Planning Group. Fortress Planning Group is a registered investment advisory firm regulated by the US Securities and Exchange Commission in accordance and compliance with securities laws and regulations. Fortress Planning Group does not render or offer to render personalized investment or tax advice through the Best In Wealth Podcast. The information provided is for informational purposes only and does not constitute financial, tax, investment or legal advice.

Questions? Comments?A debate over jelly bean flavors quickly pivots into a takedown of a flashy Inc. Magazine article claiming people shouldn't save for retirement. Don and Tom dissect the “cash-flow over investing” pitch from entrepreneur Joseph Drups, exposing the realities of running small businesses, the risks behind claims of passive income, and the likelihood that the real money comes from selling the system rather than executing it. The conversation then turns to listener questions, including the differences between Avantis ETFs AVGE and AVTM and a thoughtful inquiry about whether factor investing from firms like Avantis and Dimensional justifies higher fees compared with traditional cap-weighted index funds.0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean1:58 Inc. article claims you shouldn't save for retirement2:45 Entrepreneur Joseph Drups' “cash-flow over investing” strategy4:08 The myth of passive income from small businesses5:46 Valuing a business vs. claiming low net worth7:17 Reality check: most small businesses fail10:06 Drups Ventures model and e-commerce brand acquisitions11:10 The $100/month “Fast FI Club” and selling the system13:55 Entrepreneurship vs. unrealistic promises of passive income15:28 Impatience and the risks of chasing quick financial independence16:44 Listener question: Avantis AVTM vs. AVGE19:11 What actually defines a “true” index fund23:06 Bogleheads critique of smart beta and factor strategies24:08 Evidence for small-cap and value premiums since 192627:18 Fees vs. expected factor premiums28:00 Recency bias and long periods when factors underperform30:53 Raisin Bran bag conspiracy theory and aging complaintsLearn more about your ad choices. Visit megaphone.fm/adchoices

A debate over jelly bean flavors quickly pivots into a takedown of a flashy Inc. Magazine article claiming people shouldn't save for retirement. Don and Tom dissect the “cash-flow over investing” pitch from entrepreneur Joseph Drups, exposing the realities of running small businesses, the risks behind claims of passive income, and the likelihood that the real money comes from selling the system rather than executing it. The conversation then turns to listener questions, including the differences between Avantis ETFs AVGE and AVTM and a thoughtful inquiry about whether factor investing from firms like Avantis and Dimensional justifies higher fees compared with traditional cap-weighted index funds. 0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean 1:58 Inc. article claims you shouldn't save for retirement 2:45 Entrepreneur Joseph Drups' “cash-flow over investing” strategy 4:08 The myth of passive income from small businesses 5:46 Valuing a business vs. claiming low net worth 7:17 Reality check: most small businesses fail 10:06 Drups Ventures model and e-commerce brand acquisitions 11:10 The $100/month “Fast FI Club” and selling the system 13:55 Entrepreneurship vs. unrealistic promises of passive income 15:28 Impatience and the risks of chasing quick financial independence 16:44 Listener question: Avantis AVTM vs. AVGE 19:11 What actually defines a “true” index fund 23:06 Bogleheads critique of smart beta and factor strategies 24:08 Evidence for small-cap and value premiums since 1926 27:18 Fees vs. expected factor premiums 28:00 Recency bias and long periods when factors underperform 30:53 Raisin Bran bag conspiracy theory and aging complaints Learn more about your ad choices. Visit megaphone.fm/adchoices

In this powerful Soul Elevation episode, Kara Goodwin sits down with Masati, a three-time near-death experiencer (NDE) and the CEO and founder of Xponential Intelligence. Masati shares the extraordinary details of his near-death experiences and what they revealed to him about consciousness, time, frequency, and the hidden mechanics behind transformation. We explore how his first NDE expanded his awareness of human potential, how the second opened an experience of the "universal database" and timeless perception, and how the third brought what he calls a mastery-level integration that changed his relationship to aging, vitality, and the body. Masati also explains how he "reads patterns" rather than relying on personal history, and how people can shift the underlying frequency structures connected to health, wealth, relationships, and spiritual growth. Kara also shares what it felt like to be in his energetic field and why his voice and presence carry a noticeable transmission. If you love conversations about quantum consciousness, spiritual awakening, vibration, and the deeper architecture of reality, this one will absolutely speak to you.   Explore Kara's spiritual resources, free guided meditations, book, and upcoming events at karagoodwin.com. Connect with Masati: Website: https://thexicode.com/  YouTube: https://www.youtube.com/@XIMasati    

Czabe welcomes Mr. X to the program to talk about why he's decided NOT to retire and is running it back for at least one more year! Betting on prediction markets? Keep your head on a swivel. The shadiness of Kalshi and other prediction betting platforms. Teaching your sons how to gamble responsibly. Czabe needs Texas Hold 'Em advice, and quick! The new MLB "Robo-Ump" (ABS - Automated Ball-Strike system) is going to be a wild ride of unintended consequences. The NFL media is now covering for athletes at the NFL Combine who don't quite measure up to expectations. A good play call for "3rd and a mile." MORE . . .Our Sponsors:* Check out Mars Men: https://mengotomars.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Questions? Comments?Vanguard slashes fees again, pushing its average expense ratio down to six basis points. Don and Tom contrast that with outrageously expensive ETFs charging 2% to 14% annually, walk through why evidence-based factor funds cost a bit more than pure index funds, answer listener questions about international tilts and fund-of-funds rebalancing, and clarify why diversification across assets still matters more than fee-chasing alone.0:04 Vanguard cuts fees again — average expense ratio now 0.06%3:43 What expense ratios really are (and how many investors unknowingly overpay)5:00 The shockers: ETFs charging 2% to 14% annually11:13 Comparing Vanguard index costs vs. Avantis and Dimensional factor funds14:41 Why anything above ~0.35% for passive/rules-based investing is likely too much16:03 The “Militia” ETF: 14% fee, poker background, no real track record19:46 Listener: Increasing international exposure inside IRA/Roth21:35 Clarifying fund-of-funds vs. multiple funds for rebalancing23:18 Why Avantis and Dimensional include mid-cap, REITs, and bonds27:25 Evidence-based investing isn't just about returns — it's about correlation and volatility controlLearn more about your ad choices. Visit megaphone.fm/adchoices

Vanguard slashes fees again, pushing its average expense ratio down to six basis points. Don and Tom contrast that with outrageously expensive ETFs charging 2% to 14% annually, walk through why evidence-based factor funds cost a bit more than pure index funds, answer listener questions about international tilts and fund-of-funds rebalancing, and clarify why diversification across assets still matters more than fee-chasing alone. 0:04 Vanguard cuts fees again — average expense ratio now 0.06% 3:43 What expense ratios really are (and how many investors unknowingly overpay) 5:00 The shockers: ETFs charging 2% to 14% annually 11:13 Comparing Vanguard index costs vs. Avantis and Dimensional factor funds 14:41 Why anything above ~0.35% for passive/rules-based investing is likely too much 16:03 The “Militia” ETF: 14% fee, poker background, no real track record 19:46 Listener: Increasing international exposure inside IRA/Roth 21:35 Clarifying fund-of-funds vs. multiple funds for rebalancing 23:18 Why Avantis and Dimensional include mid-cap, REITs, and bonds 27:25 Evidence-based investing isn't just about returns — it's about correlation and volatility control Learn more about your ad choices. Visit megaphone.fm/adchoices