Podcasts about investing

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

Our Research and Investment Management analysts Michael Cyprys and Denny Galindo discuss how and why cryptocurrencies are transitioning from niche speculation to portfolio staples. Read more insights from Morgan Stanley.----- Transcript -----Michael Cyprys: Welcome to Thoughts on the Market. I'm Mike Cyprys, Head of U.S. Brokers, Asset Managers and Exchanges for Morgan Stanley Research.Denny Galindo: And I'm Denny Galindo, Investment Strategist for Morgan Stanley Wealth Management.Michael Cyprys: Today we break down the forces making crypto more accessible and what this shift means for investors everywhere.It's Tuesday, November 11th at 10am in New York.We've seen cryptocurrencies move from the fringes of finance to being considered a legitimate part of mainstream asset allocation. Financial platforms, especially those serving institutional clients, are starting to integrate crypto more than ever.Denny, you've written extensively about the crypto market for some time now among your many jobs here at Morgan Stanley. So, from your perspective in wealth management, what are you hearing from retail clients about their growing interest in crypto?Denny Galindo: Yeah, we actually started writing about crypto back in 2017. We had our first explainer deck, and we started writing extensive educational reports in 2021. So, we've covered it for a while.Advisors who dabble in crypto typically had this one client. He asked a lot of questions about when they could do more. We also had some clients who were curious, maybe their neighbor made a lot of money, bought a new boat and they were like wondering, you know, what is this Bitcoin thing?Now, this year we've seen a sea change. I think it was the election really started it; the Genius Act, and some of the legislation also kind of added to it. Almost all this interest is really on Bitcoin only, although we also have gotten a decent amount of interest about stablecoins and how those might impact things. But it's really just the beginning and I think it's an area that's; it's not going to go away.Mike, on the institutional side, what trends are you seeing among asset managers and brokers in terms of crypto adoption integration?Michael Cyprys: So, we've seen a big move into the ETF space as large money managers make crypto easier to access for both retail and institutional investors. Now this comes on the back of the SEC approving the first spot Bitcoin and Ethereum ETFs back in 2024. And since then, we've seen firms from BlackRock to Fidelity, Franklin, Invesco, and many others, including crypto native firms having launched spot Bitcoin ETFs and spot Ethereum ETFs. And these steps in the minds of many investors have legitimized crypto as an investible asset class.Most recently, we've seen the SEC adopt generic ETF listing standards for crypto ETFs that can make it easier to accelerate ETF launches in reduced regulatory frictions. And today the crypto ETF space is about $200 billion of assets under management and saw inflows of over [$]40 billion last year, over [$]45 billion so far this year – despite some of the near-term volatility. And most of the asset class today is in Bitcoin, single token ETFs, with BlackRock and Fidelity managing the largest ETFs in the space.Speaking of products, what types of crypto are retail investors most curious about? And why do those particular ones make sense for their portfolios?Denny Galindo: Yeah, I think you hit the nail on the head. The most popular products are really the Bitcoin products. We as a firm allowed solicitation in Bitcoin ETPs more than a year ago in brokerage accounts. We just expanded them to allow them in Advisory in October. So, we're still early days here. There really hasn't been that much interest in the other crypto products.Now when people think about this, there's three buckets here. There are some people that think of it like digital gold. And they're worried about inflation. They're worried about government deficits. And that's kind of the angle that they're approaching crypto from. A second group think of it like a venture capital, like a disruptive innovation in tech that's going after this big addressable market. And, you know, hopefully the penetration will rise in the future. And then the third bucket is really thinking [of it] out it as a diversifier. So, they're saying, ‘Hey, this thing is volatile. It doesn't match stocks, bonds, other assets. And so, I kind of want to use it for diversification.'Now, Mike, when you have these discussions with institutional clients, how do they view the risk and potential of these different cryptocurrencies?Michael Cyprys: What's interesting with the crypto space is adoption started on the retail side with institutions now slowly beginning to explore allocations. And that's the opposite of what we've seen historically with institutions leaning in ahead of retail in areas, whether it's commodities or private markets. But it's still early days.On the institutional side, we're starting to see some pensions, endowments, foundations begin to make some small allocations to Bitcoin as a long-term inflation hedge. But keep in mind, institutions tend to make investments in the context of strategic asset allocations, often with a broader macro framework.Denny, you've written quite a bit about the four-year crypto cycle. Could you explain what that is and where you think we are in the current crypto cycle?Denny Galindo: Yeah, if you look at the data, you see a pretty clear trend of a four-year cycle. So, there's three up years and one down year, and it's been like clockwork, since Bitcoin was invented.Now when you see something like that, you always try to explain like: why is this happening? So, there's two kind of dominant explanations that we've seen. So, one's macro, one's micro. Now the macro version for crypto is really the M2 cycle. So, we see that M2 to that global M2 money supply has kind of accelerated and decelerated in four-year cycles, and Bitcoin tends to really match that cycle. It tends to accelerate when M2's accelerating and it tends to decline when it's decelerating or declining.But there's also this bottoms-up way of looking at it, and commodities are really the place we go to for that analysis. So, a lot of commodities, you know, could be coffee, could be oil – if something disrupts supply, you tend to get the shortage, you get the price moving up.Then you get commodity speculators piling in, adding leverage. And it'll just kind of go parabolic. At some point something pops the bubble, usually more supply, and then you get like a great depression. You get like an 80 percent draw down. All the leverage comes out and the whole thing crashes. So crypto has also followed that.Now, we break the four-year cycle into four seasons: spring, summer, fall, and winter. And each season has a different characteristic about which parts of the market work, which don't work, what things look like. We are in the fall season right now. And that tends to last about a year. We wrote a note last year on this. Fall is the time for harvest. So, it's the time you want to take your gains.But the debate is, you know, how long will this fall last? When will the next winter start? Or maybe this pattern won't even hold in the future. And so, this is the big debate in the crypto circles these days.And Mike, given the volatility, given the great depressions we talked about in Bitcoin with these, you know, 70-80 percent drawdowns, how do you see it fitting into institutional portfolios compared to other cryptocurrencies?Michael Cyprys: Compared to other cryptocurrencies, Bitcoin is still viewed as the flagship asset within the crypto space – just given higher adoption, greater liquidity, the sheer market value. It has longer history and better regulatory clarity as compared to other tokens. But given the volatility as you mentioned, and the early days nature of cryptocurrencies, adoption is still quite nascent amongst institutional investors.Some institutional investors view Bitcoin as digital gold or macro hedge against inflation and monetary debasement. It's also sometimes viewed as a low correlation diversifier within multi-asset portfolios. But even that's also been a debate in the marketplace too.As we look forward from here, crypto adoption within institutional portfolios could potentially expand as regulatory clarity establishes a clear framework for digital assets, right? We had the Genius Act recently that focused on stablecoins. Next up is market structure. There's a bill working its way through Congress.We've also had developments on the ETF side that lower[s] barriers for institutions to gain exposure there. Not only is it more accessible within traditional portfolios, but the ETF fits nicely into day-to-day workflow.So, bottom line is institutional views on Bitcoin and crypto are evolving, and how firms view Bitcoin – we think will depend upon the institution's objectives, their risk tolerance and portfolio context. And keep in mind that institutional allocations don't turn on a dime. They tend to be slower moving.Denny, do retail clients take a similar approach or are they more likely to take bigger bets?Denny Galindo: Our clients struggle with this question. And so, we get a lot of questions like, ‘Okay, I don't want to miss this. I'm a little nervous about it. What allocation should I use here?' And so, we go back to our three, kind of, typical investors when we try to answer this question. We really try and help people figure out where is equal weight.So, we wrote a note in February called “Are you Underweight Bitcoin?” And we have three different answers depending on how you're thinking of it. And, you know, there's a big debate. There's no clear answer. And that's not really where we want our clients. We want them to be smaller where they can have some exposure if they want it. Not everyone wants it, but if you do want it, you can have it. And it won't really dominate the volatility of the portfolio.Now, on another note, Mike, are you seeing legacy platforms start to offer crypto as well?Michael Cyprys: So crypto ETFs are generally available in self-directed brokerage accounts across the industry today. Schwab, for example, commented that their customers hold $25 billion in crypto ETFs, which is about, call it 20 percent share of the ETF space. But access to these crypto ETFs is a bit more restricted within the Advisor-led channel. But we're starting to see that broaden out for ETFs and eventually might see model portfolios with allocations toward crypto ETFs.But when you look at spot crypto trading, though, that generally remains out of reach of most legacy platforms. The key hurdle for that has been regulatory clarity and with a more crypto friendly administration that is changing here.So, Schwab, for example, acknowledged that they have the regulatory clarity needed and they're working towards launching their spot crypto trading platform in the first half of next year.On that topic, Denny, how do you view the merits of holding crypto directly versus through an exchange-traded product like ETFs?Denny Galindo: Yeah, I mean, our clients are mostly not day trading this product and kind of moving it back and forth.So, the ETPs have been a pretty good answer for them. The one issue is liquidity. And so, we're not used to thinking of this in; the U.S. equity markets are the most liquid markets. But in crypto, the crypto markets, the spot markets are actually more liquid than the equity markets.So, you get a lot of liquidity even after hours, even 24x7. And as other markets around the world kind of take the lead. But most of our investors aren't treating it that way. They're not day trading it, and they're really keeping it more like that digital gold allocation. And so, they just need to adjust the position size, you know, once a month, once a year maybe; just kind of buy and hold.But I wonder, you know, as more people get more comfortable, it could become more important in the future. So, it's an open question, but for now, the ETPs have been a pretty good answer here.Michael Cyprys: Fascinating space. Denny, thanks so much for taking the time to talk.Denny Galindo: It was great speaking with you, Mike.Michael Cyprys: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

In this episode of Maximize Your Hunt, Jon Teater discusses various strategies for hunting success, including the use of e-bikes for efficient property management and scouting. The conversation with Dieter Kochan (FaceOff Ebikes) highlights the importance of adapting to changing conditions, learning from past hunting experiences, and understanding deer behavior during the rut. Teater emphasizes the need for continuous scouting and adjusting strategies based on fresh signs and environmental factors.   takeaways The podcast focuses on maximizing hunting property through land management and habitat improvement. E-bikes can enhance scouting efficiency and reduce noise, making them a valuable tool for hunters. Scouting fresh signs is crucial for hunting success, especially during the rut. Hunters should be adaptable and willing to change strategies based on conditions and deer behavior. Understanding crop rotations can impact hunting strategies and deer movement. It's important to recognize and utilize overlooked areas that may be prime hunting spots. Trail cameras should be strategically placed to gather information during the rut. Hunters need to be aware of their surroundings and the deer's natural tendencies. Investing in quality equipment, like e-bikes, can lead to better hunting experiences. Continuous learning and adapting from past experiences is key to improving hunting success.   Social Links https://www.faceoffebikes.com/ https://www.instagram.com/rangermatthews/ https://whitetaillandscapes.com/ https://www.facebook.com/whitetaillandscapes/ https://www.instagram.com/whitetail_landscapes/?hl=en Learn more about your ad choices. Visit megaphone.fm/adchoices

Connect with Piercyn: @piercyncWant To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

Steve Forbes demands reform of the U.S.'s air traffic control system as the government shutdown, and many recent accidents, have shown its vulnerability—and calls for the system to be turned into an independent non-profit organization removed from politics.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

When interest rates shift, the rules of investing, borrowing, and building passive income shift too. In this timely conversation, the financial coaches discuss the upcoming rate cuts, their ripple effects across real estate and the economy, and how savvy investors should prepare.They break down why cheaper capital creates more deals, but also more risk, and how lower borrowing costs can push up asset prices, lure amateurs into the market, and create dangerous financial traps for the unprepared. The financial coaches also explain why having access to capital, maintaining liquidity, and following a solid system matter far more than chasing rates or trying to time the market.From infinite banking loan rate opportunities to underwriting real estate deals in a changing market, this episode shows listeners how to think like professional investors – protecting capital, maintaining optionality, and deploying funds when opportunity arises.Top three things you will learn:-How interest rate cuts create new investing opportunities-Why passive income beats accumulation-focused investing-How to position yourself before rates dropDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.

Don and Tom tackle investor “magical thinking,” especially the belief that private equity, non-traded REITs, and other illiquid “exclusive” investments offer hidden superior returns. They walk through Jason Zweig's recent reporting on a Florida pension fund that locked up money, paid higher fees, and earned under 1% a year. The conversation underscores why liquidity, transparency, and diversification matter far more than complexity or exclusivity. The episode also features listener questions on retirement withdrawal sequencing for a $9M portfolio, evaluating cash balance plans, and deciding between traditional vs. Roth 401(k) contributions. A recurring theme: boring portfolios win. 0:05 Magical thinking and the fantasy of “special” investments 1:52 Private equity realities: higher fees, no liquidity, often lower returns 2:46 The Indian Shores pension fund case 3:44 Withdrawal limits and 0.7% 5-year returns 4:34 Why endowments can do illiquid assets but you probably shouldn't 5:21 “Roach motel” investing and lack of transparency 8:35 How mutual funds must provide daily liquidity vs. private funds that don't 8:49 Excitement is bad; investing should be boring 9:54 Caller: $9M portfolio—withdraw taxable first or convert IRAs? 11:51 Traditional IRAs vs taxable sequencing strategy 14:17 Why taxable first lowers tax impact and preserves flexibility 16:03 Blackstone senior housing REIT losses and why “sure things” fail 17:39 Diversification protects you when single bets go bad 18:06 Why private deals appeal emotionally (exclusivity + status) 20:38 Caller: Tesla & concerns about private equity creeping into ETFs 23:07 Why mainstream ETFs won't adopt illiquid private assets 24:43 REIT ETFs behave more like stabilizing bond substitutes 26:02 LeaveMeAlone email-unsubscribe tool discovery 28:04 Listener questions: send via site or voice form 30:51 Cash balance plan concerns—likely a stable value/insurance product 33:08 Another listener: Edward Jones 401(k) with American Funds C-shares 34:30 High-fee small-plan 401(k)s—why they happen and how to fix 36:27 Caller: Should we switch to Roth 401(k) contributions? Probably not here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Evan Polaski is the Director of Capital Raising at Black Gate Partners, where he leads investor relations and capital strategy for multifamily real estate syndications. With 18 years of commercial real estate experience—including roles in retail development, multifamily investments, and investor communications—Evan brings a rare blend of institutional perspective and hands-on execution. He has invested as both a general and limited partner and is known for his candid approach to alignment, underwriting scrutiny, and investor education.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Great deals and abundant capital rarely align—it's always a pendulum A conservative deal today may have felt aggressive just 24 months ago True GP-LP alignment is nuanced and difficult to achieve—acquisition fees often skew incentives Passive investors should study sponsors' fee structures, co-investments, and transparency The best investor relations approach isn't sales—it's expectation management     Topics Falling in Love with Real Estate Early Evan's fascination with real estate began as a child watching shopping centers being built in Atlanta Studied finance and real estate at the University of Cincinnati, and started in retail REIT investor relations Has worked across roles in capital raising, investing, and ownership The Market's Capital-Deal Imbalance Capital and deal quality are rarely in sync—one is always scarce 2021–2022 saw capital flood the market, but often into weak deals Today feels like 2009 again, with conservative investors and fewer phone calls returned Lessons from the Downturn Floating-rate loans and short-term debt—not real estate quality—are behind many failed deals Evan cautions that "safe" real estate only stays safe with proper structure and conservative assumptions Overly optimistic IRRs, misaligned capital stacks, and loose underwriting have been exposed On Alignment and Fees Evan focuses on age and experience as critical factors when evaluating GPs Acquisition fees deserve close scrutiny—especially when they exceed co-investment amounts Sponsors who transact just to earn fees raise red flags around long-term alignment Managing Investor Expectations Great IR is about setting, managing, and exceeding expectations LPs who receive clear, accurate communication—regardless of performance—stay engaged longer Sales-driven approaches often lead to mismatches in trust and long-term relationships Navigating Growth and Team Building Scaling a syndication business brings team demands—growth isn't always about ego Even small increases in payroll or promotions require deal flow and capital Balance between investor returns and internal sustainability is delicate and evolving Track Record and Debt Structure IRR isn't enough—investors should ask how much of a return came from NOI growth vs. cap rate compression Evan favors sponsors who have survived downturns and learned from risk exposure Floating debt creates the illusion of strong deals—fixed-rate debt demonstrates stability    

Nov 10, 2025 – Struggling with sleep? Discover how the lighting in your home might be subtly impacting your health in this enlightening discussion between Dr. Mike Haga and Jim Puplava, as they delve into the latest research on light spectrum and intensity...

Nov 11, 2025 – Curious about the future of U.S. housing? Dr. Selma Hepp, Chief Economist at Cotality, dissects the latest data and forecasts for the U.S. housing market. Dr. Hepp notes a continued slowdown in home price appreciation...

I always say the most valuable people to interview are capital allocators, because they have to answer to their clients for their market calls.They are judged not by their opinions, but by their results.Today, we're fortunate to hear from one of the most-respected capital management firms in the world: Grantham, Mayo, Van Otterloo -- which was co-founded by the great investor Jeremey Grantham and currently manages over $65 billion of client assets.Specifically, we're sitting down with John Thorndike Co-Head of Asset Allocation, who co-manages GMO's Dynamic Allocation & International Value ETFs.We'll discuss GMO's outlook for 2026 and where the firm sees the biggest risks & opportunities for investors.John sees that International Value stocks are set to outperform US Growth stocks in coming years.To find out why, watch this video.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.comHere are the ETFs John mentions in this video:- GMOD: https://www.gmo.com/americas/product-index-page/multi-asset-class/dynamic-allocation-strategy/dynamic-allocation-etf/- DRES: https://www.gmo.com/americas/product-index-page/equities/domestic-resilience-strategy/domestic-resilience-etf/?accept=Funds- GMOI: https://www.gmo.com/americas/product-index-page/equities/international-opportunistic-value-strategy/international-value-etf/- GMOV: https://www.gmo.com/americas/product-index-page/equities/u.s.-opportunistic-value-strategy/u.s.-value-etf#valueinvesting #internationalinvesting #jeremeygrantham_____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

With volatility on the rise in global markets, investors are searching for stability. Some have their eyes on  India and their longtime strategic autonomy to provide the predictability and resilience needed in the  new trade order. Host Natalya Zeman and guest Anirudha Dutta break down the reforms, policies, and  global positioning for India. Topics include: • India's approach to trade and regulation • The benefits of institutional continuity and reform  • Opportunities in supply chain reconfiguration and emerging sectors • The impact of demographic trends and technology on long-term growth #CapGroupGlobal This content is intended to highlight issues and be of a general nature. It should not be considered  advice, an endorsement or a recommendation. Products mentioned are not an offer of the product and  may not be available for sale or purchase in all countries. All investments have risk, and you may lose  money. Past results are not a guarantee of future results. Statements attributed to an individual represent  the opinions of that individual as of the date published and do not necessarily reflect the opinions of  Capital Group or its affiliates. Investing outside the United States involves risks, such as currency fluctuations, periods of illiquidity and  price volatility. These risks may be heightened in connection with investments in developing countries. For our latest insights, practice management ideas and more, subscribe to Capital Ideas at  getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist This content is published by Capital Client Group, Inc., and copyrighted to Capital Group and affiliates,  2025, all rights reserved.  For more information, including our detailed disclosures, visit www.capitalgroup.com/global-disclosures. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq To stay informed, follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's  lives through successful investing. With our clients at the core of everything we do, we offer carefully  researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2025 Capital Group

Crypto News: Scott Bessent says the US Treasury and IRS approve staking in crypto ETFs. The Senate Agriculture committee has released its long-awaited bipartisan crypto market structure discussion draft.Brought to you by

Asheesh Birla, CEO of Evernorth, interview. We discuss all the details of Evernorth's $1 billion XRP digital asset treasury.Topics: - Evernorth's mission as a XRP Treasury - Plans to go public on Nasdaq - How will XRP be purchased and will capital raise go beyond $1 billion - Preparing for a bear market - DATs vs ETFs Brought to you by 

In this episode, Christina Lecuyer gets real about clarity, boundaries, and choosing yourself—especially when the holiday season starts pulling you in every direction. If you've ever struggled to say no, felt guilty prioritizing your needs, or found yourself overwhelmed trying to make everyone happy, this conversation is one you'll want to hear.Christina breaks down what it means to be “selfish” in a way that's actually healthy, empowering, and necessary for a life that feels aligned. Because when you're clear on what you want, you not only show up better for yourself—you show up better for everyone around you.

UFC Vegas 111 was another night of chaos and I loved it. Its PPV fight week and UFC 322 is going to be MASSIVE. Join us to preview the whole card top to bottom! Lets ROLL!!!Guest: Art CTwitter (x): @MrElectricute Follow me!Twitter (x): @DieHardMMAPodInstagram: https://www.instagram.com/diehardufc/Facebook: https://www.facebook.com/DieHardMMAPodcastBlueSky: @diehardmmapod.bsky.social►Sponsor: Cloudbet https://tinyurl.com/DIEHARDMMAPromo code: DIEHARDMMA ► Spectation Sports https://spectationlink.com/DIEHARDPromo Code: DIEHARD for 20% off ► Die Hard MMA Merch: https://die-hard-mma-podcast-merch.myspreadshop.com/all0:00 Intro & UFC Vegas 111 Recap10:16 Viacheslav Borshchev vs Matheus Camilo18:29 Chepe Mariscal vs Pat Sabatini29:04 Malcolm Wellmaker vs Cody Haddon40:16 Roman Kopylov vs Gregory Rodrigues51:11 Bo Nickal vs Rodolfo Vieira1:00:00 Gerald Meerschaert vs Kyle Daukaus1:09:07 Angela Hill vs Fatima Kline1:18:40 Baisangur Susurkaev vs Eric McConico1:26:35 Erin Blanchfield vs Tracy Cortez1:39:08 Sean Brady vs Michael Morales1:49:00 Benoit Saint-Denis vs Beneil Dariush1:56:37 Leon Edwards vs Carlos Prates2:06:28 Valentina Shevchenko vs Weili Zhang2:16:19 Jack Della Maddalena vs Islam Makhachev

Ever wonder why money so often reveals what we truly value? Today, we'll find out.You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we're turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives.Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind Our Ultimate TreasureWhen Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, he didn't set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God.Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional.Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn't matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues.That's why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God's purposes—to see money not as a source of stress or identity, but as a tool for worship.Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi. How we spend, save, and give reveals what we treasure most.If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally.Moving from Ownership to StewardshipOne of the most freeing shifts in a believer's financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we're simply managers of His resources, everything changes.Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God's.Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God's financial principles aren't restrictive—they're protective.When we live within our means, avoid debt, plan diligently, and give generously, we're reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn't just shape our money; it shapes our hearts, making us look more like Christ.The Gift of Margin, Generosity, and LegacyOne of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there's no space left for God to move.Creating margin is an act of faith. It's how we say, “Lord, I trust You enough not to live at the edge.” When we budget below our income or leave breathing room in our schedules, we acknowledge that God—not us—is the provider. In that space, we often experience His peace, His provision, and His direction in powerful ways.At FaithFi, we often say that generosity isn't just about giving—it's about joining God in His redemptive work. When we give, we participate in something far greater than ourselves.Generosity becomes a reflection of God's heart and a visible expression of His love in the world. The fruit of generosity isn't measured in numbers but in lives changed, needs met, and faith strengthened. 2 Corinthians 9:11 reminds us that God enriches us “in every way to be generous in every way.” Our giving is a response to grace—a way to align our hearts with His purposes and trust that every act of faithfulness has eternal impact.Ron Blue has often said, “Is the next steward chosen and prepared?” That question has also shaped how we should think about legacy.Legacy isn't about wealth—it's about faithfulness. Preparing the next steward means intentionally helping the next generation understand that everything belongs to God. If we pass on money without passing on wisdom, we've missed the point. Our responsibility is to model open-handed living, teaching those who follow us to hold God's gifts lightly and use them for His glory.A Hope for Every ReaderOur prayer for Our Ultimate Treasure is simple: that it would help readers see money through God's eyes and experience a renewed relationship with Him.When we understand that everything we have belongs to a generous Father, our posture shifts from fear to trust. We move from striving to surrender. Financial stewardship becomes less about mastering money and more about walking in freedom with God.If these 21 days lead someone to treasure Christ above all else—to trust Him more deeply and handle money in a way that honors Him—then this devotional has done its work.Our Ultimate Treasure is available to all who become a FaithFi Partner by December 31. Partners will also receive the latest issue of Faithful Steward magazine as well as an early release copy of Rob's new devotional whenever it is released in January 2026. Join us at FaithFi.com/Partner. On Today's Program, Rob Answers Listener Questions:I'm planning to remodel two bathrooms for about $35,000–$36,000. I have $10,000 saved for repairs, $25,000 in emergency savings, and $45,000 in dividend-producing stocks. Should I use some of the dividend money or take out a low-interest loan to cover the rest?I've enrolled in Medicare Part A but not Part B. My company has fewer than 20 employees and will soon only have one. I've heard conflicting advice about penalties for delaying Part B, even with proof of insurance. Should I enroll now or wait?If someone saves $10 a week for 30 years, how much would that grow to over time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Maximize Your Hunt, Jon Teater discusses various strategies for hunting success, including the use of e-bikes for efficient property management and scouting. The conversation with Dieter Kochan (FaceOff Ebikes) highlights the importance of adapting to changing conditions, learning from past hunting experiences, and understanding deer behavior during the rut. Teater emphasizes the need for continuous scouting and adjusting strategies based on fresh signs and environmental factors. takeawaysThe podcast focuses on maximizing hunting property through land management and habitat improvement.E-bikes can enhance scouting efficiency and reduce noise, making them a valuable tool for hunters.Scouting fresh signs is crucial for hunting success, especially during the rut.Hunters should be adaptable and willing to change strategies based on conditions and deer behavior.Understanding crop rotations can impact hunting strategies and deer movement.It's important to recognize and utilize overlooked areas that may be prime hunting spots.Trail cameras should be strategically placed to gather information during the rut.Hunters need to be aware of their surroundings and the deer's natural tendencies.Investing in quality equipment, like e-bikes, can lead to better hunting experiences.Continuous learning and adapting from past experiences is key to improving hunting success. Social Linkshttps://www.faceoffebikes.com/https://www.instagram.com/rangermatthews/https://whitetaillandscapes.com/https://www.facebook.com/whitetaillandscapes/https://www.instagram.com/whitetail_landscapes/?hl=en Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers: https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ Legendary investor Mark Mobius joins Javier Correa at Nomad Capitalist Live in Kuala Lumpur for an eye-opening interview on emerging markets, inflation, gold, the US dollar, and China's future. Mobius shares the story behind his $40 billion fund, his views on political risk, and why he believes China could one day surpass the US - if it opens up. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ Disclaimer: Neither Nomad Capitalist LTD nor its affiliates are licensed legal, financial, or tax advisors. All content published on YouTube and other platforms is intended solely for general informational and educational purposes and should not be construed as legal, tax, or financial advice. Nomad Capitalist does not offer or sell legal, financial, or tax advisory services.

Generational money lessons never go out of style. In this episode, we revisit Depression-era financial wisdom — simple, hard-earned truths that built resilient families and lasting wealth. From living below your means to marrying a saver and learning practical skills, these principles have guided generations through both prosperity and hardship. We'll share 12 timeless money lessons that can help today's younger generation navigate debt, lifestyle inflation, and financial stress. These are the same habits that kept families afloat during the Great Depression — and they're just as relevant in today's high-cost, high-leverage economy. If you want your kids to build true financial independence — not just wealth on paper — this episode is a must-watch. 0:19 - Will the Government Reopen? 2:45 - Buy-the-Dip Crowd Returns 7:14 - Veterans' Day Salute 8:16 - Email - Teaching Finance to Kids 10:43 - Be Frugal - Shoes & Cars 18:14 - Budget is not a four-letter Word 21:04 The $1,200 Mechanic 27:46 - Avoid Long Term Debt 22:51 - Marry a Saver - Pre-Marital Advice 32:04 - Buying a Home - Less is More 33:06 - Funding Hobbies & Balancing Priorities 35:09 - Investing for the Long Term 37:20 - Know What You Own 39:18 - Learn the Basics of Home Repairs & Cooking 42:51 - The Problem of Subscriptions 43:43 - Don't Try to Keep Up with the Jones 46:55 - Live Like the Millionaire Next Door

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work. Watch the show on television by downloading the e360tv channel app to your Roku, LG or Amazon Fire TV. You can also see it on YouTube.Devin: What is your superpower?Amanda: My superpower is just diving in!The non-alcoholic beverage movement is taking the country by storm. While many expect trends to start in big coastal cities, this time something special is happening in the heart of Ohio. Amanda Ortega, founder and CEO of Beyond Bottleshop, is leading the charge to make intentional, alcohol-free drinking accessible to everyone.Amanda's shop in downtown Springfield, Ohio, offers a colorful selection of non-alcoholic and functional beverages — drinks that not only taste good but also help people feel energized, relaxed, or uplifted. She explained, “A lot of the non-alcoholic industry kind of exploded during COVID. A lot of the products that I carry were founded during that time. So we're not too far behind, and I'm just excited to be an industry leader in the Midwest.”Beyond Bottleshop started small, inside a local gift shop. As Amanda put it, “It was an opportunity for me to have a small space with not too much overhead and start selling these non-alcoholic beverages.” What began as a local experiment quickly grew into something much bigger. Customers now drive an hour or more to visit the store, and Amanda has launched an online shop to reach more people across the country.Her next goal is to expand into distribution, helping restaurants and bars create high-quality, non-alcoholic cocktails. “I'm really passionate about getting into the hospitality industry and bridging the gap between what's happening for people personally and what they can get when they're out,” she said. “I'm excited to bridge that gap with other businesses.”Amanda is also raising capital for Beyond Bottleshop through a regulated investment crowdfunding campaign on Honeycomb Credit. The campaign allows community members to invest as little as $100 to help her business grow. “There are a lot of people who feel passionate about what I do,” she said. “What a cool opportunity that they can give a hundred dollars, a thousand dollars, or whatever is in their range to help a small business grow that's local.”Her passion for intentional drinking came from her own journey. After years of running a wine shop and working in hospitality with her husband, a chef, Amanda began to seek healthier, more mindful options. “I just became really passionate about intentional drinking,” she said. “It just felt like enough time has been spent in my life in and around alcohol. It was time for something different.”Through Beyond Bottleshop, Amanda is creating not only a business but also a movement — one that's reshaping how communities in the Midwest and beyond think about what's in their glass.tl;dr:* In this episode, I talk with Amanda Ortega, founder of Beyond Bottleshop, about the booming non-alcoholic beverage movement.* Amanda shares how her Springfield, Ohio, shop became a local hub for functional, alcohol-free drinks with national reach.* She explains her decision to raise capital through Honeycomb Credit, inviting community investors to fuel her growth.* Amanda reveals her superpower: fearless connection — diving in, building trust, and uniting people for shared success.* Together, we explore how authentic relationships and collaboration can drive business growth and positive social change.How to Develop Fearless Connection As a SuperpowerAmanda Ortega's superpower is fearless connection—the ability to dive in, take risks, and build authentic relationships that move ideas forward. As she explained, “My superpower is just diving in. I see a need, and it feels natural to make it happen if it's related to something I'm passionate about.” She combines her entrepreneurial spirit with a genuine love for people, creating trust and collaboration wherever she goes. Amanda's energy comes from her drive to connect with others who share her vision. “It just lights me up,” she said, “talking to other entrepreneurs and business owners about how we can move forward together—how we can change the world together.”One powerful example of Amanda's superpower in action comes from her work connecting local businesses. She described bringing together a sound bath practitioner, a yoga instructor, and her own non-alcoholic beverages to create an experience that nourished the body, mind, and spirit. “I said, Hey, I can bring drinks, you do this, and you do that, and it brings all our customers together for an even better experience,” she recalled. “That's how I see the world—bringing people together in that way and just building and bringing all our superpowers together.”Throughout this episode, Amanda offered practical insight into how others can develop their own gift for connection:* Start small. Attend local networking events or farmers markets to meet people with shared interests.* Ask thoughtful questions. Focus on understanding others' stories before sharing your own.* Build one-on-one trust. Find common ground and let authentic relationships grow naturally.* Encourage collaboration. Look for ways to align skills, goals, or audiences to create mutual benefit.* Stay fearless. Take risks by reaching out, offering ideas, and trying new partnerships.By following Amanda Ortega's example and advice, you can make fearless connection a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileAmanda Ortega (she/her):Founder/ CEO, Beyond Bottleshop, LLCAbout Beyond Bottleshop, LLC: Beyond Bottleshop is Central Ohio's first curated hub for non-alcoholic and functional beverages, founded by Amanda Ortega to lead a cultural shift toward intentional, wellness-centered drinking. More than a retail space, Beyond Bottleshop is a movement-driven experience that blends strategic brand storytelling with compliance expertise, community engagement, and emotionally resonant rituals. From kava and adaptogenic elixirs to sparkling teas and mood-enhancing tonics, it offers a thoughtfully selected inventory backed by educational resources, experiential campaigns, and hospitality partnerships. With a growing eCommerce presence and plans to expand into wholesale and regional distribution, Beyond Bottleshop is building the infrastructure to scale its impact and become the trusted leader in mindful beverage experiences across the Midwest.Website:beyondbottleshop.comCompany Facebook Page: facebook.com/beyondbottleshopOther URL: invest.honeycombcredit.com/campaigns/Beyond-BottleshopBiographical Information: Amanda Ortega is the founder and owner of Beyond Bottleshop, Central Ohio's first curated hub for non-alcoholic and functional beverages. A visionary leader and strategic storyteller, Amanda blends deep compliance expertise with emotionally resonant branding to pioneer a cultural shift toward intentional, wellness-centered drinking. Her career spans over a decade in hospitality, from supporting her husband's food truck and opening a small restaurant to owning a wine shop and earning her Level 1 sommelier certification. As a former SBDC business coach and private consultant, she's empowered other hospitality start-ups with operational clarity and creative direction. At Beyond Bottleshop, Amanda leads experiential marketing, community engagement, and educational initiatives that spark curiosity and connection. With a growing eCommerce presence and plans to expand into wholesale and regional distribution, she's building a movement—not just a business—centered on mindful drinking, partnership, and purpose.Personal Facebook Profile: facebook.com/amanda-ortegaInstagram Handle: @beyondbottleshopSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Crowdfunding Made Simple, SuperGreen Live and Envirosult. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.* Superpowers for Good Live Pitch applications due by November 17. Apply to pitch at the Superpowers for Good live event on December 11, 2025. This is your chance to spark campaign momentum and present to expert investors who frequently invest in our winners. Applicants must have an active Regulation Crowdfunding offering live when applying that will still be live on the event date. Apply by November 17, 2025.* SuperCrowdHour, November 19, 2025, at 12:00 PM Eastern — Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “Investing with a Self-Directed IRA.” In this session, Devin will explain how investors can use self-directed IRAs to participate in regulated investment crowdfunding while managing taxes and optimizing returns. He'll break down when this strategy makes sense, how to choose the right custodian, and what fees, rules, and risks to watch for. With his trademark clarity and real-world experience, Devin will help you understand how to balance simplicity with smart tax planning—so you can invest confidently, align your portfolio with your values, and make your money work harder for both impact and income.* SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year.Community Event Calendar* Successful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.* From Vision to Impact: The Stories Behind CfPA's Summit Awardees, November 12, 2025, at 2:00 Eastern.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Tara, Caroline & Allison discuss various aspects of etiquette and the psychology behind hoarding. They kick off with a humorous discussion on the etiquette of taking free snacks, followed by debating the appropriate timing for informing someone you're running late. The conversation then shifts to hoarding, exploring its psychological underpinnings and how it manifests in different forms, from household clutter to excessive fashion items. The hosts share personal anecdotes about punctuality and hoarding, and emphasize the value of investing in quality pieces for fashion and interiors. Topics 00:30 Morning Banter and Allergies 00:46 Etiquette Dilemmas 07:29 The Hoarding Discussion 11:06 Investing in Staple Pieces 13:09 Wrapping Up

Text me!Today, I'm unpacking all of the details of Damn Good Marketing Live! I had the opportunity to speak at this live event and wow was there magic in the room! We go over the importance of networking events and personal development, particularly for women. I highlight the value of both free and paid networking opportunities, noting that the quality of interactions in these spaces can significantly enhance personal growth and investment in oneself.takeawaysGet in the rooms, there are events you can go to.The quality of these rooms is literally amazing.Surrounded by women investing in themselves.Investing time and money in personal development is crucial.Networking can lead to significant opportunities.Paid networking rooms offer high-quality interactions.Women supporting women is a powerful dynamic.Personal development is a continuous journey.Engaging with like-minded individuals fosters growth.Events can be both free and paid, each with unique benefits.Support the showLINKS TO FREEBIES BELOW: WEEKLY NEWSLETTER where I share all the tips and tricks on how to grow organically online HERE ABOUT THE HOST: Former Executive Recruiter turned Online Marketing Expert & Entrepreneur. I'm here to show you that you can do it too! I help women to start, grow and scale their personal brand and business online through social media. In 2021 I launched ChilledVino, my patented wine product and in 2023 I launched The Feminine Founder Podcast and in 2025 I launched my Digital Marketing Agency called The Feminine Founder Marketing. I live in South Carolina with my husband Gary and 2 Weimrarners, Zena & Zara. This podcast is a supportive and inclusive community where I interview and bring women together that are fellow entrepreneurs and workplace experts. We believe in sharing our stories, unpacking exactly how we did it and talking through the mindset shifts needed to achieve great things.Connect with me on LinkedIn HERE IG @cpennington55 FB HERE Follow the podcast page HERE Buy ChilledVino HERE

In her twenties, Kim Perell was broke and jobless after being fired from a tech startup that had burned through its funding. With no savings to fall back on, she borrowed $10,000 from her 82-year-old grandmother to start an internet advertising company from her kitchen table. She scaled that business to $100 million in annual revenue, sold it for tens of millions, and has since invested in more than 150 startups. In this episode, Kim shares the execution framework that sets successful entrepreneurs apart and reveals how to turn entrepreneurship mistakes into fuel for growth. In this episode, Hala and Kim will discuss: (00:00) Introduction (02:32) Building a $100 Million Business from Scratch (06:40) Entrepreneurship Tips for Scaling Fast (10:00) Mastering Execution: The Five Traits of Success (14:16) How Kim Chooses Startups to Invest In (17:17) The 70% Rule for Faster Decision-Making (20:01) Smart Hiring Strategies for Business Growth (25:55) Facing Business Challenges Head On (32:04) The Power of Pivoting and Adapting to Succeed (35:19) Raising Resilient Kids and Future Entrepreneurs Kim Perell is a 9x founder, serial tech entrepreneur, prominent angel investor, and author of multiple national bestselling business books. She is a leader, innovator, and keynote speaker. Her latest book, Mistakes That Made Me a Millionaire, shares the lessons she has learned from over two decades in business. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Quo - Get 20% off your first 6 months at Quo.com/PROFITING  Revolve - Head to REVOLVE.com/PROFITING and take 15% off your first order with code PROFITING  Merit Beauty - Go to meritbeauty.com to get your free signature makeup bag with your first order.  DeleteMe - Remove your personal data online. Get 20% off DeleteMe consumer plans at to joindeleteme.com/profiting  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Airbnb - Find yourself a cohost at airbnb.com/host Resources Mentioned: Kim's Book, Mistakes That Made Me a Millionaire: bit.ly/-MTMMAM  Kim's Website: kimperell.com  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Passive Income, Online Business, Solopreneur, Networking

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

In Episode 448 of Hidden Forces, Demetri Kofinas speaks with Nathan Benaich, founder and general partner of Air Street Capital and the creator of the annual State of AI Report, an open-access compendium that tracks advances across AI research, industry, policy, and geopolitics. Nathan Benaich and Demetri spend the first hour of their conversation exploring some of the most important AI breakthroughs of the year. They unpack the DeepSeek moment, dig into some of the advancements made by the latest reasoning models, and discuss why there appears to be a regression in capabilities across certain domains in artificial intelligence at the same time as we are seeing marked improvements in reasoning-heavy use cases like coding and scientific research. The second hour turns to a conversation about the commercial implications and geopolitical dynamics of the AI arms race, including China's strategy to become the leader in open-weight models and tooling. They look at what industries, sectors, and professions may be most ripe for disruption, where the investment opportunities are, whether we're in a bubble comparable to the 1990s Internet boom, and how export controls, energy constraints, and regulatory red-tape could play an outsized role in shaping the trajectory of the current arms race. Lastly, Kofinas and Benaich examine where along the AI stack most of the value is likely to accrue—from the underlying picks and shovels, through the foundation models, to the apps that ride on top of them—and what all this means for labor markets, education, and the cadence of scientific discovery. Subscribe to our premium content—including our premium feed, episode transcripts, and Intelligence Reports—by visiting HiddenForces.io/subscribe. If you'd like to join the conversation and become a member of the Hidden Forces Genius community—with benefits like Q&A calls with guests, exclusive research and analysis, in-person events, and dinners—you can also sign up on our subscriber page at HiddenForces.io/subscribe. If you enjoyed today's episode of Hidden Forces, please support the show by: Subscribing on Apple Podcasts, YouTube, Spotify, Stitcher, SoundCloud, CastBox, or via our RSS Feed Writing us a review on Apple Podcasts & Spotify Joining our mailing list at https://hiddenforces.io/newsletter/ Producer & Host: Demetri Kofinas Editor & Engineer: Stylianos Nicolaou Subscribe and support the podcast at https://hiddenforces.io. Join the conversation on Facebook, Instagram, and Twitter at @hiddenforcespod Follow Demetri on Twitter at @Kofinas Episode Recorded on 10/29/2025

Our CIO and Chief U.S. Equity Strategist Mike Wilson unpacks why stocks are likely to stay resilient despite uncertainties related to Fed rates, government shutdown and tariffs.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast, I'll be discussing recent concerns for equities and how that may be changing. It's Monday, November 10th at 11:30am in New York. So, let's get after it.We're right in the middle of earnings season. Under the surface, there may appear to be high dispersion. But we're actually seeing positive developments for a broadening in growth. Specifically, the median stock is seeing its best earnings growth in four years. And the S&P 500 revenue beat rate is running 2 times its historical average. These are clear signs that the earning recovery is broadening and that pricing power is firming to offset tariffs. We're also watching out for other predictors of soft spots. And over the past week, the seasonal weakness in earnings revision breath appears to be over. For reference, this measure troughed at 6 percent on October 21st, and is now at 11 percent. The improvement is being led by Software, Transports, Energy, Autos and Healthcare. Despite this improvement in earnings revisions, the overall market traded heavy last week on the back of two other risks. The first risk relates to the Fed's less dovish bias at October's FOMC meeting. The Fed suggested they are not on a preset course to cut rates again in December. So, it's not a coincidence the U.S. equity market topped on the day of this meeting. Meanwhile investors are also keeping an eye on the growth data during the third quarter. If it's stronger than anticipated, it could mean there's less dovish action from the Fed than the market expects or needs for high prices.I have been highlighting a less dovish Fed as a risk for stocks. But it's important to point out that the labor market is also showing increasing signs of weakness. Part of this is directly related to the government shutdown. But the private labor data clearly illustrates a jobs market that's slowing beyond just government jobs. This is creating some tension in the markets – that the Fed will be late to cut rates, which increases the risk the recovery since April falls flat. In my view, labor market weakness coupled with the administration's desire to "run it hot" means that ultimately the Fed is likely to deliver more dovish policy than the market currently expects. But, without official jobs data confirming this trend, the Fed is moving slower than the equity market may like. The other risk the market has been focused on is the government shutdown itself. And there appears to be two main channels through which these variables are affecting stock prices. The first is tighter liquidity as reflected in the recent decline in bank reserves. The government shutdown has resulted in fewer disbursements to government employees and other programs. Once the government shutdown ends which appears imminent, these payments will resume, which translates into an easing of liquidity.The second impact of the shutdown is weaker consumer spending due to a large number of workers furloughed and benefits, like SNAP, halted. As a result, Consumer Discretionary company earnings revisions have rolled over. The good news is that the shutdown may be coming to an end and alleviate these market concerns. Finally, tariffs are facing an upcoming Supreme Court decision. There were questions last week on how affected stocks were reacting to this development. Overall, we saw fairly muted relative price reactions from the stocks that would be most affected. We think this relates to a couple of variables. First, the Trump administration could leverage a number of other authorities to replace the existing tariffs. Second, even in a scenario where the Supreme Court overturns tariffs, refunds are likely to take a significant amount of time, potentially well into 2026.So what does all of this all mean? Weak earnings seasonality is coming to an end along with the government shutdown. Both of these factors should lead to some relief in what have been softer equity markets more recently. But we expect volatility to persist until the Fed fully commits to the run it hot strategy of the administration. Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

Discover what the drop in Consumer Sentiment means Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

Trump Touts FIFTY YEAR Mortgage | You'll Own NothingMinistry Sponsors:Saga Metals CorpThanks to Saga Metals Corp for sponsoring today's video. You can get their latest presentation here on their website:https://sagametals.com/corporate-presentation/Tickers: OTCQB: SAGMF | TSX-V: SAGADISCLAIMER: This video was conducted on behalf of Saga Metals Corp, and was funded by CAPITALIZ ON IT. I have been compensated for this video. I only express my opinion based on my experience. Your experience may be different. These videos are for educational and inspirational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. There is no guarantee of gains or losses on investments. Please do your own due diligence. I am not a financial advisor, and this is not a financial advice channel. All information is provided strictly for educational purposes. It does not take into account anybody's specific circumstances or situation. If you are making investment or other financial management decisions and require advice, please consult a suitably qualified licensed professional.The securities of Saga Metals Corp are speculative, and the company has not yet achieved consistent positive cash flow from operations. As a growth-stage company, it anticipates negative cash flow for the foreseeable future as it focuses on development and commercialization efforts. Parties viewing this video should thoroughly review the company's public disclosure and documents available on sedarplus.ca.See full disclaimer here: https://capitalizonit.com/saga/Reece Fund. Christian Capital. Boldly Deployedhttps://www.reecefund.com/Backwards Planning FinancialWant to build a financial legacy for your family with a plan that starts at the end goal? Connect with Joe Garrisi at https://backwardsplanningfinancial.nm.com/ to get help with a legacy-driven strategy for your future.Genesis Gold GroupFaith-Based Gold IRA: Genesis Gold Group helps Christians protect their retirement with physical precious metals aligned with scriptural stewardship principles.https://www.RightResponseBibleGold.comGray Toad TallowGray Toad Tallow's handcrafted balms made from grass-fed, grass-finished tallow help heal real skin issues like dryness and psoriasis. Explore their sample pack and save 15% with code RIGHT15 at https://www.graytoadtallow.com/Freddy MediaUnlock exclusive access to a highly engaged audience and elevate your brand through impactful sponsorship opportunities with Right Response Ministries. Simply click the link below to provide some basic information and Freddy Media will reach out to discuss how to tailor a partnership that drives real results.https://91znn6hr1aa.typeform.com/joelwebbon

Have you ever told yourself that you cannot start investing in storage because you lack money or time? That belief might be holding you back more than your actual situation. In this episode, Alex Pardo challenges those excuses and shows how you can start building wealth in self storage no matter where you are right now. In this episode of Storage Wins, Alex Pardo explains how anyone can buy their first storage facility even with a full time job or limited cash. He shares why mindset and resourcefulness matter more than money and how finding the right people can open doors you never thought possible. Through real stories from students in the Storage Wins community, Alex teaches practical ways to use what you already have, connect with others, and take confident steps toward your first deal. You'll Learn How To: • Identify the resources, skills, and connections you already have • Shift from focusing on what you lack to what is working for you • Find the right people instead of asking how to start • Work with others to fill financial or time gaps • Build momentum and take action toward your first storage deal What You'll Learn in This Episode: [00:00] How to start in self storage by focusing on what you already have [01:30] Finding your first deal even with no time or money [03:00] Making one plus one equal eleven through the power of collaboration [05:00] Redefining assets and discovering the hidden resources you already possess [07:00] Applying the Gap and the Gain mindset to overcome fear and limitation [08:30] Why finding the right "who" matters more than figuring out "how" [12:00] Turning partnerships into powerful joint ventures for success [17:00] Believing you are one relationship away from your breakthrough Who This Episode Is For: • Beginners who believe they cannot start because of limited time or money • New investors looking for practical and affordable ways to begin • Action takers who want to turn mindset into measurable results • People searching for community, accountability, and collaboration in investing Why You Should Listen: Success in storage investing is not about having more, it is about seeing what you already have differently. Alex shows how clarity, connection, and faith in your abilities can replace excuses with action. You are not missing resources, only the right perspective, and this episode helps you find it. Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/ Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link: https://www.facebook.com/groups/322064908446514/

Most investors chase houses, but Kevin Bupp shares why he's buying parking lots and mobile home parks instead. These low-maintenance assets can quietly build serious cash flow without the headaches of traditional real estate—and Kevin breaks down exactly how he finds them, funds them, and profits from them. KEY TALKING POINTS:0:00 - Intro0:22 - Kevin Bupp's Journey In Real Estate4:23 - How He Found Out About Wholesaling8:35 - How He Navigated Working For Free For His Mentor14:24 - His Mobile Home Investing & How He Finds Deals20:31 - Owning & Investing In Parking Lots24:05 - The Levers You Can Pull When Owning A Parking Lot26:43 - What Motivates Someone To Sell A Parking Lot29:17 - Starting Sunrise Capital Investors33:41 - Closing Thoughts & Where To Find Kevin36:38 - Outro LINKS:Instagram: Kevin Bupphttps://www.instagram.com/buppkevin Links: Kevin Bupphttp://linktr.ee/kevinbupp Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

Ev Randle is a General Partner @ Benchmark, one of the best funds in venture capital. In their latest fund, they have Mercor ($10BN valuation), Sierra ($10BN valuation), Firework ($4BN valuation), Legora ($2Bn valuation) and Langchain ($1.4Bn valuation). To put this in multiples on invested capital, that is a 60x, two 30x and two 20x. Before Benchmark, Ev was a Partner @ Kleiner Perkins and before Kleiner, Ev was an investor at Founders Fund and Bond.  AGENDA: 05:25 Biggest Investing Lessons from Peter Thiel, Mary Meeker and Mamoon Hamid 14:36 OpenAI Will Be a $TRN Company & OpenAI or Anthropic: Who Wins Coding? 22:27 Why We Should Not Focus on Margin But Gross Dollar Per Customer 30:25 Why AI Labs are the Biggest Threat to AI App Companies 44:26 Do Benchmark Fire Founders? If so… Truly the Best Partner? 54:38 People, Product, Market: Rank 1-3 and Why? 57:36 Why the Mega Funds Have Just Replaced Tiger 01:04:08 GC, Lightspeed and a16z Cannot Do 5x on Their Funds…  01:14:09 Single Biggest Threat to Benchmark  

Sergey Nazarov, Co-Founder of Chainlink, and I sat down at SmartCon to discuss how Chainlink is orchestrating the connection between blockchains, DeFi, and TradFi.Brought to you by

Financial advisor and author Mark Matson joins Behavioral Grooves to explore what the American Dream means today—and whether it's truly attainable for everyone. We dig into his view that fulfillment comes from mindset, not money, and examine how behavioral biases can sabotage our financial decisions. But as we discuss the tension between personal responsibility and systemic headwinds, we also ask: can discipline and optimism alone really guarantee success? Topics [0:00] A quick word with Kurt and Tim - Struggling with the American Dream [5:08] Speed Round with Mark Matson [9:20] Cognitive Biases in Investing [16:00] Victimhood vs Agency [23:58] Why Investors Are Their Own Worst Enemy [27:12] Behavioral Economics and Bad Decisions [38:45] The Three Rules for Smarter Investing [44:58] Defining “Enough” [51:13] How to Find Purpose and Find Your Groove [58:50] Desert Island Music Picks [1:01:12] Grooving Session: Nuance, Privilege, and Perspective ©2025 Behavioral Grooves Help Behavioral Grooves stay independent and science-focused by becoming a paid subscriber or making a one-time donation. Support our work Links About Mark Experience the American Dream: How to Invest Your Time, Energy, and Money to Create an Extraordinary Life by Mark Matson Join us on Substack! Join the Behavioral Grooves community Subscribe to Behavioral Grooves on YouTube Musical Links Billy Joel - We Didn't Start the Fire Morgan Wallen - I Got Better

Big Truss Tuesday A BIG show for your Big Truss Tuesday fam... Hey we aren't all perfect and this show will truly showcase that!... When did you realise you were and idiot, what was it that made you go HMMM OOOH yup I'm an idiot... Even true love can have it moments of learning as not all fairytales are glitz and claim... Jordan had a moment that caused him to reflect, question, learn AND realise that what he had done wasn't the smartest of moves ALL withing 0.275 seconds... And we have another amazing chat for you today with our partners at Sharesies, with Will stopping by to talk about their newest offering, Crypto! *Sharesies Disclaimer*Sharesies Crypto is offered by Sharesies Crypto Limited. Crypto is different to other types of investments and has different risks. Crypto is generally considered a high-risk investment, which means it carries potential for higher returns, but also carries higher potential for loss. It's not suitable for everyone, especially if you're uncomfortable with the potential of losing some or all of your investment. You should consider your financial goals, risk appetite, investment timeframe, and overall portfolio before investing in crypto. Investing involves risk. You aren't guaranteed to make money, and you might lose the money you start with. We don't provide personalised advice or recommendations. Any information we provide is general only and current at the time written. You should consider seeking independent legal, financial, taxation or other advice when considering whether an investment is appropriate for your objectives, financial situation or needs. We are up for TikTok's 'NZ Creator Of The Year' Help us out at having the chance to secure our first ever award! LINK BELOW! ⁠https://activity.tiktok.com/magic/eco/runtime/release/68db3d397586c7033505ee50?appType=tiktok&magic_page_no=1&magic_source=search_hub&lang=en®ion=AU&fbclid=IwY2xjawN2m2NleHRuA2FlbQIxMABicmlkETFnMnUzRkVNNGRJaWNReDNqAR4Y3MXVJkqsgq01nwiVCI8Cn7I4friR3LLPi2xL6Sa9_0k5JxJ2lIleDyKqww_aem_GnbVFSD0eRCHBl5XwmwCFw Hit that link below to stay caught up with anything and everything TMS. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.facebook.com/groups/3394787437503676/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We dropped some merch! Use TMS for 10% off. Here is the link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youknowclothing.com/search?q=tms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Thank you to the team at Chemist Warehouse for helping us keep the lights on, here at The Morning Shift... ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.chemistwarehouse.co.nz/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 00:00 - Intro 2:03 - Check In 6:15 - Daily Bread 15:05 - A Learning Moment For Jordan 24:59 - When Did You Realise You Were... 35:32 - Crypto W/Will From Sharesies 55:12 - Outro Learn more about your ad choices. Visit megaphone.fm/adchoices

Blending a family takes grace—and so does blending your finances.When couples merge families, they're also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Why Honest Money Conversations MatterThere once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It's a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations.For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn't guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship?Money becomes the testing ground for those questions. That's why avoiding financial conversations doesn't protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered.Finances are never just about dollars and cents. They're about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I'm gone?There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship.When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together.The Challenge of Inheritance and TrustConsider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We're one now—just leave everything to me, and I'll take care of your family.But Sandra hesitated. Her adult children hadn't had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone?This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn't achieved through documents—it's achieved through relational clarity. You can't solve financial questions until you've addressed the relational ones.Moving from Prenuptial to TogethernessSo what's the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family, Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.”Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won't receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families.In a Togetherness Agreement, couples prayerfully decide together:How do they care for children from prior relationshipsHow inherited or premarital assets will be handledHow responsibilities to other households or parents will be honoredAnd how they'll support one another financially in love and unityIt's not about dividing assets—it's about uniting hearts. This process builds emotional safety, which in turn builds trust. When couples feel safe, they can finally exhale, knowing they are truly invested in each other.Taking Inventory—Emotionally and FinanciallyBefore crafting any agreement, couples need to take inventory. That means both emotional and financial reflection.Ask questions like:What financial baggage or debts are we bringing in?What past wounds or fears still shape the way we view money?What are our goals—for our family, our faith, and our future?Blended families are always born out of loss—whether death, divorce, or something else. That history doesn't have to define the new relationship, but it does need to be acknowledged. Honest reflection helps couples avoid repeating old patterns and build a healthier foundation together.Every couple's situation is different, but here are key topics that should be covered in a Togetherness Agreement:Joint and separate accountsDebt and financial obligations from prior marriagesChild or spousal support payments to other householdsRetirement, insurance, and investmentsCollege, cars, and other child-related expensesCovering these topics doesn't weaken love—it strengthens it. It replaces assumptions with clarity and fear with peace.If all of this feels overwhelming, take heart. You don't have to figure it out alone. Seek wise counsel—a trusted financial planner, pastor, or Certified Kingdom Advisor (CKA) can help you find creative and God-honoring ways to care for your family.And above all, remember this: God's grace is sufficient for your blended family. Submit your plans to Him. Let Him guide the process. As you do, He will grow you—not only in financial wisdom, but in love, unity, and faith.When couples move from mine and yours to ours, they begin to reflect the very heart of God, who makes two one, and who calls us to love generously, even in the way we handle money.On Today's Program, Rob Answers Listener Questions:I've been struggling with $26,000 in credit card debt that I recently disclosed to my husband. A credit consolidation company says they can negotiate it down, so I'd pay $400 every two weeks and be debt-free in four years. It sounds good, but is this a trustworthy option—or are there drawbacks I should watch out for?I have UTMA accounts for my two sons, but I am considering switching to 529 plans. I'm mainly concerned that with the UTMA, they'll gain full control of the money once they come of age. Would a 529 plan be a wiser choice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal. Greg S. Pettys and David O. EdwardsChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you feeling stuck in your fertility journey but know deep down that God is calling you to more? In this episode, we talk about how to step into your next level of faith, raise your standards for health and healing, and start preparing your body for pregnancy naturally through alignment, stewardship, and trust in God's plan.   Let's do HTMA together! The 90 Day Mineral Method    I'm sharing what God's been doing in my life lately — and how I've had to raise my standards, trust His timing, and invest in myself in ways that stretched my faith. If you've been praying for change but still feel stuck, this episode is your loving nudge: faith requires action.

Jon Pundyk is a Dartmouth MBA, P&G brand manager, and a Booz-Allen strategy consultant. He's been in Glamorise for 35 years. Glamorise is a size-inclusive lingerie brand that designs bras for curvy women. Founded in New York City in 1921, Glamorise is one of the world's oldest bra manufacturers, and it has been size-inclusive since their inception.In This Conversation We Discuss:[00:28] Intro[00:53] Learning the fundamentals of consumer marketing[02:01] Climbing the ladder one title at a time[02:17] Pivoting a century-old business online[04:01] Transitioning from wholesale to direct-to-consumer[07:33] Balancing wholesale partners with D2C growth[10:08] Stay updated with new episodes[10:18] Investing ahead for scalable D2C growth[13:43] Sponsors: Electric Eye, Freight, Taboola, Next Insurance[19:16] Collecting data before knowing how to use it[20:25] Leveraging legacy brand recognition online[23:05] Relying on product quality to drive loyalty[24:08] Driving growth through actionable data insightsResources:Subscribe to Honest Ecommerce on Youtube https://www.youtube.com/c/HonestEcommerce?sub_confirmation=1Plus size bras & lingeries for full-figured women glamorise.com/Follow Jon Pundyk linkedin.com/in/jrpundykSchedule an intro call with one of our experts electriceye.io/connectTurn your domestic business into an international business freightright.com/honestPerformance beyond Search and Social discover.taboola.com/honest/Tailored business insurance. Zero hassle. Big savings nextinsurance.com/honest/If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

How to Change the World by Investing in the Next Generation | Heart For Harvest Week 2 by Faith Promise Church

In this episode of the Real Estate Pros podcast, Kristen interviews Kholt Mulderrig, managing director of DCA Family Office. They discuss Kholt's background, the unique approach of DCA in focusing on founder and family-led businesses, and the various asset classes they invest in. Kholt shares insights on current opportunities in the real estate market, particularly in multifamily properties, and emphasizes the importance of location and long-term strategies. The conversation also covers the significance of finding the right partners in property management, the dynamics of working with high net worth individuals, and the importance of risk management in investment strategies.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Markets took one on the chin this week, so Ryan and Cameron zoom out to where we really are—and what to do next. We unpack the government shutdown overhang, corporate earnings as the season wraps, and why “sideways into year-end” might be a gift for disciplined investors. We also break down Elon Musk's headline-grabbing $1T Tesla pay package—what milestones it actually requires—and how sentiment, AI infrastructure spending, and sector rotation are shaping risk right now.From trimming winners and redeploying into overlooked defensive stocks to maintaining dry powder and using limit orders, we share practical, real-world strategies for navigating the next few months without going “all in” or “all out.” Plus: Cameron checks in from Kellogg—juggling grad school, airports, and opportunity cost—to put today's headlines in context. *This podcast contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this podcast will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. Rydar Equities, Inc. does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.  Past performance is no guarantee of future results.

Beauty School Bobbi interviews Anna Manukyan, a prominent figure in the beauty industry known for her focus on financial education for beauty professionals. Anna shares her journey from being an immigrant to becoming a successful educator and advocate for financial literacy in the beauty sector. The conversation explores the importance of understanding finances, overcoming familial expectations, and creating opportunities within the beauty industry. Anna emphasizes the need for beauty professionals to start investing early and to shift their mindset from consumers to investors, providing practical steps to begin their financial journey. In this conversation, Anna Manukyan and Beauty School Bobbi discuss the evolving landscape of financial literacy within the beauty industry. They emphasize the importance of early investment, the changing perceptions of financial success in beauty careers, and the need for better education and resources for beauty professionals. Anna shares insights on how to navigate financial challenges, the significance of starting early, and the transformative moments that can arise from financial education. The discussion highlights the optimism for future beauty professionals and the importance of creating a supportive environment for financial growth.   Takeaways Anna's immigrant background shaped her work ethic and drive. The beauty industry lacks financial education for professionals. Many beauty professionals struggle with managing their finances. Investing early is crucial for building wealth. Financial conversations are often absent in immigrant families. Creating opportunities in the beauty industry is essential. Success in beauty can come from unexpected paths. Validation from family can be a powerful motivator. The beauty industry offers diverse career paths. Establishing financial systems leads to long-term success. Your money is kind of, I'm a big fan of like sneaky investing. Start as soon as you can, the earlier the better. The mindset around money needs to change in the beauty industry. More than half of Americans are financially illiterate. $6.60 a day can lead to almost half a million dollars in 30 years. The longer you're in the beauty industry, the less money you make. Stay educated and charge accordingly as a business owner. Beauty school students have a unique opportunity to build wealth. It's never too late to start planning for your future. Financial principles don't change, regardless of your experience level.   Chapters 00:00 Introduction to Beauty and Professionalism 02:14 Anna's Journey into the Beauty Industry 05:57 The Importance of Financial Education in Beauty 10:06 Overcoming Family Expectations and Finding Your Path 12:33 Creating Opportunities in the Beauty Industry 16:14 Understanding Wealth and Financial Planning 23:28 Starting Your Financial Journey 24:56 Sneaky Investing for Financial Growth 25:30 Changing Perceptions in the Beauty Industry 26:14 The Importance of Financial Literacy 28:02 Starting Early: The Key to Financial Success 31:18 Navigating Financial Challenges in the Beauty Industry 32:22 Awareness and Opportunities in Beauty Careers 34:14 The Evolving Landscape of Beauty Education 38:57 Empowering Future Beauty Professionals 41:57 Transformative Moments in Financial Education 44:33 Resources for Financial Mastery in Beauty   www.beautyschoolbobbi.com www.beautyandstylenetwork.com   Follow Beauty and Style Network: @beautystylenet Beauty School Bobbi: @beautyschoolbobbi Anna Manukyan: @amanukyan

This week's podcast is about AI Agents transforming ecommerce. Likely all commerce.You can listen to this podcast here, which has the slides and graphics mentioned. Also available at iTunes and Google Podcasts.Here is the link to the TechMoat Consulting.Here is the link to our Tech Tours.Here is the McKinsey article I mentioned:The agentic commerce opportunity: How AI agents are ushering in a new era for consumers and merchantsHere is the BCG article I mentioned:When Brands Meet AI Bots: Customer Experience in the Era of Agents-------- I am a consultant and keynote speaker on how to accelerate growth with improving customer experiences (CX) and digital moats.I am a partner at TechMoat Consulting, a consulting firm specialized in how to increase growth with improved customer experiences (CX), personalization and other types of customer value. Get in touch here.I am also author of the Moats and Marathons book series, a framework for building and measuring competitive advantages in digital businesses.Note: This content (articles, podcasts, website info) is not investment advice. The information and opinions from me and any guests may be incorrect. The numbers and information may be wrong. The views expressed may no longer be relevant or accurate. Investing is risky. Do your own research.Support the show

After a week dominated by worries over the shutdown and AI valuations, investors face Treasury auctions, Disney results, and a handful  of reports from firms exposed to AI demand.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-1125) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nancy Tengler shares her market outlook and favorite stocks. (1:00) - Breaking Down The Most Recent Earnings Results From Technology Stocks (5:00) - Should Investors Be Concerned With The Recent Shorting In AI Stocks? (9:40) - Is The Stock Market Due For A Correction? (12:10) - What Companies Stand To Benefit From The Current Consumer Spending Trends? (15:20) - Should You Consider Adding Bank Stocks To Your Portfolio Right Now? (17:30) - Laffer Tengler Equity Income ETF: TGLR (20:15) - The Women's Guide To Successful Investing (23:05) - Episode Roundup: NVDA, MSFT, GOOGL, ORCL, WMT, AXP, JPM, GS Podcast@Zacks.com

Welcome to this week's Dollars & Sense episode with Joel Garris! Are you wondering if you should rent or buy in today's crazy market? Or how AI is really reshaping the economy—and maybe even your job? In this video, Joel breaks down the biggest financial trends of the moment and gives you the tools to make smarter money moves. First up, Joel uncovers why corporate earnings are smashing expectations and how Amazon's massive AI push could change the workforce as we know it. Is the AI hype the next tech bubble? Find out what you should be watching out for in your investment portfolio today! Then, we jump into the “Rent vs. Buy” debate. With homeownership at historic lows for young people and investing on the rise, Joel explains the pros and cons, the real numbers, and the emotional side of these decisions. Are you better off staying a renter and investing the difference, or does owning your home still build the most wealth? Tune in for the surprising truths—and what most people are getting wrong. Want actionable tips, expert insights, and honest answers to your biggest money questions? Watch now and get ahead of the curve! Don't forget to like, subscribe, and hit the bell so you never miss an episode of Dollars & Sense! 

We're not just talking about sitting up straight or adjusting your stool—we're talking about the equipment you use day in and day out, and how the wrong tools, especially your ultrasonic scaler, can take a toll on your body, your comfort, and even the length of your career. Joining me is Caitlin Parsons, RDH, a dental hygienist with over 15 years of clinical experience. Caitlin will tell us why it's so important to have that conversation with your boss about updating older, non-ergonomic equipment. From ultrasonic scalers with ergonomic handles and adjustable frequencies, to small operatory tweaks that make a huge difference. Caitlin is here to show us how smart choices in ergonomics can mean less pain, more happiness, and longer, healthier careers in dentistry.

At our internal 2026 Forum last week, the AI buildout ran through the debate among our portfolio managers along with other key topics such as stablecoins. Wei Li, Global Chief Investment Strategist at BlackRock, shares some key takeaways. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM1125U/M-4976369

Mr. Phillips served as Counselor to the Secretary at the U.S. Treasury from January 2017 to January 2019. Under Secretary Mnuchin, he focused on financial institution and capital markets policy, fiscal operations, government asset and liability management and general economic policy. He led the development for policy under the Core Principles established by Executive Order 13772. He supported Secretary Mnuchin in the development of policy for comprehensive housing finance reform and in oversight of Treasury's investment in Fannie Mae and Freddie Mac. Between 2008 and 2017, Mr. Phillips was a Managing Director of BlackRock where he founded and led the Financial Markets Advisory Group, a global risk consulting group that leveraged the strengths of BlackRock's Aladdin risk platform. Mr. Phillips is a pioneer in the securitized products industry. He led numerous innovations in residential mortgage, asset-backed and commercial real estate securitization markets. From 1994 to 2006 he was a Managing Director of Morgan Stanley and led its global Securitized Product Group. Mr. Phillips serves on the Board of Directors of Ripple, a leading financial technology company that has developed a real-time gross settlement system powered by blockchain ledger that is revolutionizing the speed and efficiency of cross-border payments.