Podcasts about investing

If you've been feeling stuck, chances are you don't need another small habit or tiny tweak. You need a move that changes who you are. In this Quickie, I'm sharing why the biggest breakthroughs in business and life come from making bold decisions that stretch your identity, expand your capacity, and force you to become the person your future is asking you to be. From writing my first book and giving a TED Talk to hosting events and launching Million Dollar Guest, I'm pulling back the curtain on the moments that completely changed my life. If you're ready to stop playing small, trust your intuition, and create the kind of momentum that transforms your future, this is an episode you'll want to come back to again and again. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS Why small changes rarely create life-changing results. What a "quantum leap" really looks like in business and life. The identity shift required before your biggest breakthrough happens. The bold decisions that completely changed my career. Why your biggest opportunities usually feel uncomfortable at first. How to know when it's time to trust your intuition and go all in. The difference between staying busy and creating real transformation. RESOURCES Turn podcasts into sales! Get my FREE Million Dollar Guest Training: https://milliondollarguest.com/training Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gerron Duhon. Purpose of the Interview The conversation aimed to: Highlight the importance of financial literacy for young adults. Share Jerron Duhon’s personal journey from Lake Charles, Louisiana, to Yale University and into holistic financial planning. Promote his book “The Purpose of Paper”, which focuses on building generational wealth and breaking harmful financial habits. Key Takeaways Personal Journey & Identity Shift Jerron used football as a “meal ticket” to escape his hometown, but a concussion ended his athletic career, causing an identity crisis. He pivoted toward financial education and wealth creation, emphasizing long-term planning. Misconceptions About Wealth Many young adults believe wealth comes quickly through gambling, sports betting, or flashy investments. Social media fuels the desire to display wealth rather than build wealth, leading to poor financial decisions. Financial Habits & Framework Jerron introduced his AIMS framework: Awareness: Know your current financial state. Intention: Set clear goals and reverse-engineer steps. Mindset Change: Focus on future self, not old habits. Systems: Automate savings and investments to reduce reliance on willpower. Faith and Finance Connection Principles like self-control, patience, and hope—fruits of the spirit—are essential for financial discipline. “Faith without works is dead” applies to money: belief must be paired with action. Generational Wealth Gerron stresses taking ownership of your financial future rather than leaving the burden to your children. Investing should be strategic and long-term, not like playing the lottery. Practical Advice Start small but consistent (e.g., $150/month). Use modern tools like Robinhood for stock investing. Shift from being a consumer to an owner (invest in companies you use). Notable Quotes “Football was my meal ticket… but I realized I didn’t dream far enough.” “We connect our financial decisions to display wealth instead of to build wealth.” “Faith without works is dead—just like in finances.” “Are you going to be the one that changes your generation, or will you leave that pressure on your children?” “Good advice is timeless.” #SHMS #STRAW #BEST Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Buy a boring business, they said. It'll be easy. It'll be fun. That's the dream Andrea Palacio and her husband chased when they bought a landscaping company. The road got bumpy fast, but they still added around $300,000 in equity value in just a couple of years. Andrea Palacio runs AndreaPalacio.ai, where she helps other business owners put AI to work. But before that, she and her husband lived on a sailboat for 4 years while running an e-commerce business selling pet supplies on Amazon and Shopify. When that business stalled, they sold it and went looking for something new. They landed on a South Florida landscaping company, thinking it would be steady and mostly hands-off. Instead, almost everything went wrong at once. Tune in to Episode 750 of the Side Hustle Show to learn: how Andrea rebuilt after losing most of her team and clients how simple AI tools gave her back 20+ hours a month what buying a business taught her about leadership Full Show Notes: We Bought a “Boring” Business … Then Revenue Tanked New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealthfront⁠⁠⁠ — Start earning up to 4.30% variable APY today! Terms and conditions apply. ⁠⁠⁠Monarch⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Wealthfront Disclaimer This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Nicholas Loper and Side Hustle Show podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠⁠wealthfront.com/promo-terms⁠⁠⁠. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC.  Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gerron Duhon. Purpose of the Interview The conversation aimed to: Highlight the importance of financial literacy for young adults. Share Jerron Duhon’s personal journey from Lake Charles, Louisiana, to Yale University and into holistic financial planning. Promote his book “The Purpose of Paper”, which focuses on building generational wealth and breaking harmful financial habits. Key Takeaways Personal Journey & Identity Shift Jerron used football as a “meal ticket” to escape his hometown, but a concussion ended his athletic career, causing an identity crisis. He pivoted toward financial education and wealth creation, emphasizing long-term planning. Misconceptions About Wealth Many young adults believe wealth comes quickly through gambling, sports betting, or flashy investments. Social media fuels the desire to display wealth rather than build wealth, leading to poor financial decisions. Financial Habits & Framework Jerron introduced his AIMS framework: Awareness: Know your current financial state. Intention: Set clear goals and reverse-engineer steps. Mindset Change: Focus on future self, not old habits. Systems: Automate savings and investments to reduce reliance on willpower. Faith and Finance Connection Principles like self-control, patience, and hope—fruits of the spirit—are essential for financial discipline. “Faith without works is dead” applies to money: belief must be paired with action. Generational Wealth Gerron stresses taking ownership of your financial future rather than leaving the burden to your children. Investing should be strategic and long-term, not like playing the lottery. Practical Advice Start small but consistent (e.g., $150/month). Use modern tools like Robinhood for stock investing. Shift from being a consumer to an owner (invest in companies you use). Notable Quotes “Football was my meal ticket… but I realized I didn’t dream far enough.” “We connect our financial decisions to display wealth instead of to build wealth.” “Faith without works is dead—just like in finances.” “Are you going to be the one that changes your generation, or will you leave that pressure on your children?” “Good advice is timeless.” #SHMS #STRAW #BEST See omnystudio.com/listener for privacy information.

A new government-backed investment program known as "Trump accounts" just launched on July 4th, 2026, creating a new type of IRA for children. Under this initiative, the government will make a one-time $1,000 deposit into accounts for U.S. children born between 2025 and 2028. Today's guest, Karlton Dennis, is the CEO of Tax Alchemy. He's joining us on this episode of Investing in Real Estate to share the details of Trump Accounts, including who qualifies, the potential returns, and how to get started.

While successful entrepreneurs love to celebrate wins and share their lifestyle on social media, the failures and setbacks that come before the victories rarely ever see the spotlight online. The reality is that those difficult moments often contain the most valuable insights about leadership, investing, relationships, and life. And that's the goal for today's podcast.I'm thrilled to welcome my friend Cameron Herold back on the podcast. Cameron is the founder of COO Alliance, a world-renowned business growth coach, and the former COO of 1-800-GOT-JUNK, where he helped scale the company from $2 million to over $100 million in revenue. In this conversation, Cameron pulls back the curtain on some of the biggest failures and challenges of his entrepreneurial journey. From nearly bankrupting 1-800-GOT-JUNK and suffering a nervous breakdown during the dot-com crash to losing friendships by being hyper-focused on business growth and nothing else, Cameron shares the lessons that transformed how he approaches business and life.We also discuss the dangers of taking yourself too seriously as a leader, why entrepreneurs need hobbies and interests outside of work, how to teach the next generation about investing, and the simple financial principles Cameron uses to build long-term wealth.In this episode, you'll learn: ✅ Why Cameron believes entrepreneurs need to share failures more openly and how some of his biggest mistakes became the foundation for future success.✅ What happened when Cameron's doctor told him he was clinically redlining with a 95% chance of a heart attack and the wake-up call that completely changed how he approaches work, health, and life. ✅ The realization that Cameron's entire identity was about work and how that insight reshaped the way he spends his time and measures true wealth today. Show Notes: LifestyleInvestor.com/300Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

July 22, 2026 – Chief Technologist Dr. Sven Bilén explores the audacious vision of launching data centers into space—a move championed by SpaceX, which plans to deploy up to 1 million orbiting data satellites. Leveraging sun-synchronous orbits...

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gerron Duhon. Purpose of the Interview The conversation aimed to: Highlight the importance of financial literacy for young adults. Share Jerron Duhon’s personal journey from Lake Charles, Louisiana, to Yale University and into holistic financial planning. Promote his book “The Purpose of Paper”, which focuses on building generational wealth and breaking harmful financial habits. Key Takeaways Personal Journey & Identity Shift Jerron used football as a “meal ticket” to escape his hometown, but a concussion ended his athletic career, causing an identity crisis. He pivoted toward financial education and wealth creation, emphasizing long-term planning. Misconceptions About Wealth Many young adults believe wealth comes quickly through gambling, sports betting, or flashy investments. Social media fuels the desire to display wealth rather than build wealth, leading to poor financial decisions. Financial Habits & Framework Jerron introduced his AIMS framework: Awareness: Know your current financial state. Intention: Set clear goals and reverse-engineer steps. Mindset Change: Focus on future self, not old habits. Systems: Automate savings and investments to reduce reliance on willpower. Faith and Finance Connection Principles like self-control, patience, and hope—fruits of the spirit—are essential for financial discipline. “Faith without works is dead” applies to money: belief must be paired with action. Generational Wealth Gerron stresses taking ownership of your financial future rather than leaving the burden to your children. Investing should be strategic and long-term, not like playing the lottery. Practical Advice Start small but consistent (e.g., $150/month). Use modern tools like Robinhood for stock investing. Shift from being a consumer to an owner (invest in companies you use). Notable Quotes “Football was my meal ticket… but I realized I didn’t dream far enough.” “We connect our financial decisions to display wealth instead of to build wealth.” “Faith without works is dead—just like in finances.” “Are you going to be the one that changes your generation, or will you leave that pressure on your children?” “Good advice is timeless.” #SHMS #STRAW #BEST Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

What are bonds telling us right now about investor confidence & expected inflation?What is oil telling us about the prospects to an end to the Iran-US war?And what are gold prices telling us now that they may have found a bottom?Portfolio manager Michael Lebowitz joined us for a livestream to answer these questions as well as audience Q&A. Watch the replay here.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#bonds #inflation #creditspreads _____________________________________________ 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.All the details on Thoughtful Money's relationship with the financial advisors it endorses, many of whom regularly appear on this program, can be found in the following documents. We highly recommend you review these documents as they cover the terms that will apply should you choose to work with one of these firms at any time after watching this video.Thoughtful Money Disclosure Document: https://thoughtfulmoney.com/wp-content/uploads/2023/12/Thoughtful-Money-Disclosure-Document-12.6.23.pdf?pid=227Thoughtful Money Agreement: https://thoughtfulmoney.com/wp-content/uploads/2024/11/Thoughtful-Money-Agreement-Agreement.docx?pid=227IMPORTANT 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 © 2026 Thoughtful Money LLC. All rights reserved.

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Do you feel like you built a business for freedom, but somehow became the person everyone depends on for EVERYTHING? In this episode, I sit down with Ashley Thomas to talk about the leadership shifts that help you move from reactive chaos to sustainable success. We break down why discipline and clear expectations create more freedom, the ways poor retention and people-pleasing are costing your business, and why being the "cool boss" without structure creates confusion and resentment on your team. Ashley also shares her Leadership Compass framework for defining your North Star, turning your values into behaviors your team can actually follow, and creating a culture where accountability starts with you. Get ready to become a stronger leader, empower your team to take more ownership, and build the systems and culture that give you more freedom to focus on growing your business. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS 00:00 How to turn a reactive business into an intentional one.05:30 Why discipline and boundaries protect you from constant business fires. 09:15 Why business owners struggle to step into leadership. 12:00 The North Star framework for staying focused on what matters most. 15:15 Strategies for staying disciplined and focused on your bigger goals. 20:45 What your retention numbers reveal about your company culture. 25:00 Why a "no rules" culture can create confusion and resentment. 31:45 Tips for building a strong company culture as your business grows. 34:45 The people-pleasing trap that can hurt your team and leadership. 36:15 The leadership mistakes that could be creating your culture problems. 40:00 The framework for defining who you want to be as a leader. 43:45 Ways to turn your core values into behaviors your team can actually follow. 46:00 What's the difference between talking about your values and actually living them? 49:15 What is sustainable success? 52:00 Strategies for building a leadership team that can make decisions without you. 54:45 Advice for becoming the leader your business needs you to be. RESOURCES DM “GIFT” to Ashley @hbic.sixten on Instagram for a chance to win Ashley Thomas' Leadership Compass, valued at $999! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Ashley: @hbic.sixten Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. 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On episode 474, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss: the bloodbath in certain tech stocks, investor behavior in South Korea, a normal market environment, the Mag 7 shine has worn off, Nike lost its moat, why we don't have recessions anymore, boomers aren't downsizing, stocks vs. housing as an investment, Netflix is crashing, movies are back, and more. This episode is sponsored by YCharts and Vanguard. To learn more and get 20% off your initial YCharts Professional subscription to take Y for a spin (new customers only), visit https://go.ycharts.com/animal-spirits To learn more about Vanguard bonds, visit https://vanguard.com/audio Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us On Social Media: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ryan Hawk arrived at Miami University the day after high school graduation, with a plan to earn the starting quarterback job and make it to the NFL. Two years later, a 6'5" kid from somewhere in Ohio showed up and took the job away from him. That kid turned out to be Ben Roethlisberger. What Ryan did with that moment became the entire foundation of The Learning Leader podcast, one of the most respected leadership shows in the country, and his new book The Price of Becoming. He joins Joe and OG to talk about the habits, frameworks, and daily actions that compound into something exceptional -- and what to do when the plan doesn't survive contact with reality.What You'll Walk Away WithCoach Hepp's three-sentence leadership philosophy that Ryan has never forgotten: have a plan, work the plan, and plan for the unexpectedWhy being told "he gives us a better chance to win than you do" was the most valuable coaching Ryan ever received -- and what it teaches about adding value versus wanting creditThe imitate-then-innovate framework: why The Beatles were a cover band first, why Wayne Gretzky took handwritten notes watching players smaller than himself, and why copying the greats isn't theft -- it's the fastest path to finding your own voiceRyan's first draft pick for becoming exceptional: a five-to-ten minute nightly prompt exercise built around one Charlie Munger question that compounds like a great investmentWhy truth tellers -- people willing to look you in the eye and tell you what you need to hear rather than what you want to hear -- are the most underrated asset in any high performer's lifeThe superpower Ryan has found in every great leader he's interviewed across 11 years and hundreds of conversations: deep, specific curiosity -- and why it's the ultimate form of showing loveSweat more than you watch other people sweat: Scott Galloway's physical discipline framework applied to every area of lifeThe Brock Purdy late-round pick: why bringing a notebook to every meeting -- something almost no intern or young employee does -- is the single easiest way to stand out and learn fasterThe boomerang kids debate: why nearly half of Americans under 30 now live with a parent, when OG thinks it's a great idea, when he thinks you suck, and why it only works if there's a real plan with a real end dateJames from the community: how retiring at 52 let him become his daughter's bank in a hot real estate market -- loan document, market rate, free labor but zero say in the houseWhy This Matters NowThe gap between people who become exceptional and people who almost do isn't talent -- it's the daily actions they're willing to stack. This episode is the practical blueprint for what those actions actually look like.From the BasementRyan Hawk joins Joe and OG to talk about getting benched, the imitate-then-innovate path from cover band to original voice, and the five draft picks that build a great life -- including one that Joe immediately connects to hiding money from himself. The Wall Street Journal's piece on boomerang kids gives OG a platform to explain exactly when it's smart, when it's lazy, and why his kids should not take this as an invitation. Doug arrives with Cleveland trivia and the story of how a newspaper's cheap typesetting permanently changed the name of a major American city. James from the community sends a letter that makes OG quietly admit he was wrong about the appraisal.Resources MentionedThe Price of Becoming: The Compounding Practices of High Performance by Ryan Hawk -- available wherever books are soldThe Learning Leader podcast -- Ryan Hawk; available wherever you listen to podcasts; learningleader.comSteal Like an Artist by Austin Kleon -- referenced for the imitate-then-innovate frameworkSet for Life by Scott Trench -- referenced for Joe's kids; biggerpockets.comBroke Millennial by Erin Lowry -- referenced for Joe's kids; brokemillennial.comWall Street Journal -- "Living With Your Parents Is No Longer Viewed as a Failure to Launch" by Rebecca Picciotto and Nicholas G. MillerStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Our CIO and Chief U.S. Equity Strategist Mike Wilson explains why market leadership is rotating beyond semiconductors and where investors may find opportunities despite near-term volatility.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 will explain why the recent volatility in markets makes sense. It's Wednesday, July 22nd at 2 p.m. in New York. So, let's get after it. The broadening trade is back and it's gaining steam. We established this thesis last week. Importantly, there's a key reason this broadening trade is likely to continue. One of the more crowded areas of the market—semiconductors—has lost its momentum. As I've also noted before, this is not a call that the AI cycle is over. However, stocks do trade on the rate of change in growth, and expectations often reach a place where they can no longer surprise on the upside. Earnings revisions tend to get too stretched, and capital starts looking for the next place where fundamentals are improving but positioning is still light. This is no different than what happened to other leadership groups earlier this year in areas like precious metals and energy stocks. Remember, I first made the call for market broadening in our November outlook. My view is that the economy had moved into a new expansion after the rolling recession ended in April 2025. Markets were starting to catch on before the Iran conflict interrupted that trend. Investors piled back into the AI trade—especially semis—as oil prices jumped and Fed expectations shifted more hawkish. Back in June, I noted that those earnings revisions were likely nearing their peak. Hyperscale stocks starting to lag was the first indication. Since semis ultimately depend on hyperscaler spending, that divergence usually doesn't last. It doesn't mean the buildout is ending. However, the spenders may be moving from blind enthusiasm to a more disciplined phase as a means of addressing the market's concerns about falling cash flows. We've seen this pattern before. Since ChatGPT launched, this ebbing and flowing between the hyperscaler and semiconductor stocks has happened three times. This is the fourth such adjustment, during which the hyperscaler stocks are likely to outperform the semis. Since a few weeks back, hyperscalers have outperformed semiconductors by almost 30 percent. Another consequence is that the major averages may trade lower in the near term. When a crowded, large-cap leadership group is unwinding, the index can look choppy even as the market underneath is improving. That's the key distinction. The index may struggle, but the broadening can still work. Over the next month, don't be surprised if the S&P 500 trades as low as 7000 before it makes a move to 8000 by year-end. Use this weakness to add to equity positions. I continue to like Consumer Discretionary Goods, Transports, and Biotech. Discretionary Goods remains one of the cleaner expressions of the broadening thesis. Wallet share is shifting from services back toward goods, goods pricing is improving, and earnings revisions are strengthening. Transports continue to show improving revisions as volumes stabilize and pricing gets better. Biotech is one of the more attractive lower-rate beneficiaries, especially if policy expectations are too hawkish, as I think they are. On that last point, the Fed backdrop matters. The June FOMC meeting told us forward guidance is going to be limited, and the inflation path is going to drive policy. The softer-than-expected inflation data last week should allow the Fed to stay on hold rather than hiking. It may take the bond market a few more data points to fully re-price this view. Bottom line, the broadening is in gear, but it may not feel comfortable because it's happening while the crowded momentum trade unwinds, a process that is likely unfinished. That's usually how rotations in market leadership work. Like spring, it's often: in like a lion and out like a lamb. 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 women who inherit money need to know. 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 membership 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 additional recurring fees. Pay once and you're done! Invest with our successful community for years to come. 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.)  

How do you know when it's worth optimizing your retirement plan and when it's better to keep things simple? This week, Roger answers a listener question by exploring Aristotle's concept of the "golden mean," arguing that the best retirement decisions are rarely found at either extreme. He explains why financial optimization should be measured by the life it enables rather than the dollars it saves and introduces the OODA Loop (Observe, Orient, Decide, Act) as a practical framework for evaluating trade-offs. Roger also answers listener questions about stepped-up cost basis after the death of a spouse, whether dividends can be used to fund an income floor, and when bonds versus CDs make sense in today's interest rate environment.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces today's discussion on balancing financial optimization with simplicity, previews upcoming episodes, and shares updates on the August replay schedule and September Social Security series.RETIREMENT TOOLKIT(02:31) Finding your "golden mean" between optimizing your retirement plan and keeping it simpleWhy retirement planning often overemphasizes financial optimizationThe difference between optimizing for money and optimizing for lifeHow Aristotle's concept of the golden mean applies to retirement decisionsUsing the OODA Loop (Observe, Orient, Decide, Act) to make better decisionsRecognizing personal biases before making financial decisionsEvaluating trade-offs and second-order consequences before pursuing tax strategies, Roth conversions, and other optimization opportunitiesLISTENER QUESTIONS(36:35) Roger answers a listener's question about home cost basis. (41:02) Can dividend income be used to fill the gap in my retirement income floor?(44:55) Are bonds still a good conservative investment, or should I use CDs instead?SMART SPRINT(49:55) Practice using the OODA framework on a small, everyday decision this week to determine whether optimizing is truly worth the extra time and effort.CLOSING THOUGHTS(51:24) Roger reflects on how building a resilient retirement plan isn't just about protecting against uncertainty—it also gives you the confidence to lean into life and enjoy retirement more fullyREFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Charlie McGarraugh joins Moritz Seibert to discuss how systematic investing is evolving beyond traditional trend following. Drawing on experience from Goldman Sachs, crypto and machine learning, Charlie explains why adaptive portfolios, capital efficiency and smarter position sizing may become the defining advantages for the next generation of macro investors. They explore the rise of managed futures ETFs, China's growing futures markets, the trade off between diversification and simplicity, and why portfolio construction often matters more than finding the next predictive signal. It is a thoughtful conversation about where systematic investing may be heading next.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Moritz on Twitter.Episode TimeStamps:00:00 - Why position sizing may matter more than return prediction01:03 - Charlie McGarra's journey from Goldman Sachs to Altis Partners09:03 - The history of Altis Partners and its evolution beyond trend following11:19 - Building a multi factor macro strategy around trend16:02 - Why adaptive investing is becoming increasingly important21:49 - The growth of managed futures ETFs and reaching new investors25:27 - Designing ETFs for diversification and capital efficiency30:30 - Why Chinese commodity futures offer unique opportunities40:41 - New ideas around leverage and capital efficiency42:37 - Kelly sizing, drawdowns and maximizing long term returnsCopyright © 2025 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help you in your investment Journey:1. eBooks that cover key topics that you need to know about In my eBooks, I put together some key discoveries and things I have learnt during the more than 3 decades I have worked in the Trend Following industry, which I hope you will find useful. Click Here2. Daily Trend Barometer and Market Score One of the things I'm really proud of, is the fact that I have managed to published the Trend Barometer and Market Score each day for more than a decade...as these tools are really good at describing the environment for trend following managers as well as giving insights into the general positioning of a trend following strategy! Click Here3. Other Resources that can help youAnd if you are hungry for more useful resources from the trend following world...check out some precious resources that I have found over the years to be really valuable. Click HerePrivacy PolicyDisclaimer

Culture is shaping the future of America. Amid mainstream backlash against pro-family messages and a need for more conservative voices in lifestyle media, Madeline Fry Schultz joins Karin Lips to explain why engaging with the broader culture is essential to creating lasting change. That's precisely why the Daily Wire launched Upstream, a lifestyle vertical for […]

"Not everything your body is telling you is a symptom that needs to be fixed. Sometimes it's grief." In this episode, Heather shares a deeply personal reflection on what happens when you outgrow the pain, patterns, and identities that once helped you survive but no longer support where you're going. She explores the uncomfortable process of letting go of old stories, relationships, expectations, and the versions of ourselves we've worked so hard to become. From business lessons and the cost of giving away your own authority to the grief that surfaces when your body finally feels safe enough to release what it has been holding, this episode is an honest exploration of healing, growth, and reinvention. What to listen for: ☑️ The story of "I don't know how to market myself," and how Heather lost her voice ☑️ Why women sabotage themselves through overdoing and taking on too much ☑️ Outsourcing your confidence and intuition, and trusting when things feel off   "I've had a vision of making a bigger impact. It hasn't happened. The reason why it hasn't happened is that I went down a rabbit hole believing other people could solve my problem because I believed their words, not their behavior." ☑️ Investing in the people who are actually in the arena, truly doing their own work ☑️ Sticking with things long enough to allow them to start gaining momentum ☑️ If you don't want to do the hard work in business, then get a job   "Hiring marketing people for my team and then outsourcing my power and my confidence in them cost me so much fucking money, and it almost killed me." ☑️ Listening to your body when it starts communicating that something isn't right ☑️ The reason why the Universe puts things in front of your face until you're ready to listen ☑️ Why our grief is often about who we were when we were with the ones we lost   "When I looked at those panic attacks, I kept thinking, 'What is this?' I truly believe that my body was letting go because it felt safe in the middle of the night. That was when I was at rest, and it was letting go of these old stories." ☑️ Committing to no longer struggling and being done with people who don't show up ☑️ Time under tension triggers disease, which is why it's essential to process your feelings ☑️ When you deeply trust yourself, life challenges start to feel less scary *** For those of you who are ready to stop feeling drained, overextended, and out of alignment… join me inside the Energetic Time Management Accelerator, a focused experience designed to help high-achieving women uncover what's draining them, clarify what truly matters, and create a simple plan that fits their life. We'll pinpoint your biggest time + energy leaks, identify the top areas to focus on for quick momentum, and map out exactly what to let go of so you can reclaim your energy, your time, and your joy. Ready to make your time work for you without adding more to your plate? Join the Energetic Time Management Accelerator: www.heatherchauvin.com/time Explore the top episodes listeners come back to when they're stuck, burned out, or standing at the edge of a big shift: www.heatherchauvin.com/10 Follow Heather on Instagram: www.instagram.com/heatherchauvin_

Have you ever looked at the price tag of a conference, mastermind, or coach and wondered, "Is it really worth it?" I've asked myself that same question every single time I've invested in my own growth.In this episode, I'm sharing the biggest mindset shifts I took away from attending the Forward Conference—and why I believe the greatest return on investment isn't the information you receive, but the person you become. From watching successful entrepreneurs think in real time to hearing honest insights from leaders who are still figuring things out, I was reminded that confidence isn't built through certainty—it's built through action.If you've been waiting until you feel "ready" to make your next big move, this conversation might be exactly the perspective shift you need.Things I Cover:Why the best entrepreneurs never stop investing in themselvesThe real ROI of conferences, masterminds, and coachingHow confidence is built through action—not having all the answersWhy the right room can change your business faster than another courseThe hidden power of proximity and surrounding yourself with high-level thinkersHow investing in yourself transforms your identity as a leaderThe "Play Bigger Principle" that has shaped my growth for yearsA challenge to help you identify the room you've been avoiding—and why it may be the one you need mostIf this episode encouraged you, share it with another entrepreneur who needs the reminder to bet on themselves. And if you're looking for a community that challenges you to grow, implement, and truly play bigger, I'd love to connect with you.---

Financial advisors are being pitched new AI tools almost every day.The promise is simple: more automation, better client service, and fewer hours buried in administrative work.But adding AI to a fragmented technology stack doesn't automatically make your business smarter. If your client data is incomplete, trapped inside disconnected systems, or flowing through tools you haven't properly vetted, AI may amplify the problems you already have.Today, I'm talking with Triad's Chief Technology Officer, Quin Kilgore, to explore why the next era of advisor technology won't be won by the firm with the most software.We discuss why the tools that helped build your firm may not be the tools that carry it forward, where convenience can create hidden compliance risks, and how AI could reshape everything from marketing attribution and advisor coaching to client events and everyday operations.3 Insights From This Week's Episode…#1.) The Hidden Risk Beneath Every AI Tool Advisors tend to focus on what a new AI tool can do. But the bigger risk may be hiding in incomplete client records, fragmented systems, and unclear data policies. We explore why AI adoption can make weaknesses in your firm's foundation much harder to ignore.#2.) Why Today's Tech Stack May Become Tomorrow's BottleneckFor years, advisory firms built their businesses around software that was expensive to customize and painful to replace. Quin explains how quickly that equation is changing, and why advisors may need to reconsider what a “core” technology system even looks like.#3.) The Client Intelligence Advisors Are Leaving BehindYour client conversations contain far more valuable information than a traditional fact finder can capture. We explore what becomes possible when that information can be organized, understood, and used throughout the firm.INTERESTED IN TRIAD'S AI MASTERMIND?Triad's AI Advisor Lab, led personally by Michael Hyatt, is built for financial advisors who want to cut through the hype, apply AI more effectively, and stay ahead as the industry evolves. Apply here to see if the mastermind is the right fit for your firm: https://bradleyjohnson.com/178-ai-advisor-labSHOW NOTEShttps://bradleyjohnson.com/178FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP07265629240See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Cramer says this cyber stock is the one you should buy this morning. Become an Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks every day as they talk candidly about the market's biggest headlines, analyst calls and holdings in the Charitable Trust – and see up close how they decide when, and if, to take action on stocks. Sign up here:  cnbc.com/morningtake   CNBC Investing Club Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are stocks reaching a new inflection point? John Kosar, chief market strategist and portfolio manager at Asbury Research, joins the “Investing with IBD” podcast to discuss why he sees a reduction in risk-taking among investors and where a potential correction takes us next. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

On episode 232 of Ask The Compound, Ben Carlson is joined by Jurrien Timmer to discuss: whether the Magnificent 7's recent underperformance is a healthy sign of broader market leadership, why concentration risk and higher interest rates remain key risks for investors, how long the current earnings boom can continue, where speculative capital could flow next after Bitcoin, gold, and semiconductor stocks, and how to stay invested during a bull market while protecting against the risk of an eventual bubble. Plus, Jurrien shares insights from his Weekly Asset Allocation Review and explains why a barbell approach to AI and value investing could make sense in today's market. This episode is sponsored by Fidelity Investments and the all-new Fidelity Trader+, Fidelity's most powerful trading platform yet. Learn more at http://www.fidelity.com/TraderPlus Compound Merch: ⁠https://idontshop.com/⁠ Submit your Ask The Compound questions to ⁠askthecompoundshow@gmail.com⁠! Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Are you tired of leaving your investment capital sitting on the sidelines, waiting for the "perfect" real estate deal to come along? In this episode of The Note Closers Show, Scott Carson delivers a massive shortcut to double-digit returns without the headaches of traditional property management, intensive due diligence, or multi-decade commitments. We are breaking down a high-yield, short-term case study on a performing Texas hard money loan located in the fast-growing market of Richardson, Texas—just north of Dallas. Discover how a seasoned, nationwide hard money lender is looking to recapitalize their growing business by selling off pieces of a $13 million performing paper portfolio. This featured asset is a true first lien secured by a vacant, four-bedroom red brick probate property undergoing a light cosmetic refresh by an experienced local rehabber. With $36,000 of the borrower's own skin in the game and a disciplined 70% loan-to-after-repair-value (ARV) cushion, this asset is built from the ground up to protect investor capital while kicking off serious cash flow. Scott walks you step-by-step through the underlying numbers, explaining how purchasing this note at par delivers a powerful 12.89% cash-on-cash ROI over a brief 11-to-12-month timeline. You will also learn about the "Rule of 72" and how securing a consistent 12% interest rate can put your retirement funds or self-directed IRA on the fast track to doubling every six years. Whether you want to step into an immediate monthly stream of $3,298, let the originating lender handle all ongoing servicing and rehab monitoring, or learn the exact steps to foreclose and capture a massive equity spread if things go sideways, this episode is your ultimate guide to truly passive real estate wealth. Key Topics Covered in This Episode:The Power of Short-Term Paper: Why a 1-year performing hard money loan is a perfect alternative to long-term 30-year notes for agile capital allocation. Richardson, TX Case Study: Detailed asset breakdown of a 4-bed, 2-bath probate property sitting in a highly desirable DFW submarket. Dissecting the Numbers: Understanding the math behind a $304,000 note balance yielding an impressive 12.89% ROI. Built-In Downside Protection: Why a 70% LTV, a strict lender escrow holdback, and $36,000 in borrower skin in the game keeps your investment secure. True Passive Investing: How the original lender retains servicing, monitors the rehab progress, and handles downside management on your behalf. The Rule of 72 Explained: How to implement a repeatable "rinse and repeat" model to double your investment capital every six years. Due Diligence and Legal Rights: Navigating first lien positions, reviewing credit/FICO profiles, and leveraging Texas's fast 30-day foreclosure process. Ready to stop waiting and start taking action? Don't let your lazy assets lose value to inflation. Tune in, learn the blueprint, and grab your tickets for our upcoming Virtual Note Buying Workshop at NoteBuyingForDummies.com to take your investing to the next level! Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

In this episode of the HVAC Know It All Business Edition Podcast, co-hosts Gary McCreadie and Furman Haynes from WorkHero sit down with Cornelio Martinez, Owner at Maize Mechanical, he shares the journey of building a successful HVAC business by focusing on relationships, strategic hiring, and long-term growth instead of chasing rapid expansion. He explains how partnerships, mentorship, and investing in apprentices helped him scale sustainably while navigating the challenges of staffing, sales, and business operations. The conversation also explores his vision for contractor co-ops, workforce development, and how small businesses can compete with large private equity-backed companies. Cornelio Martinez is an advocate for electrification, workforce development, and sustainable business growth. After starting as a subcontractor, he strategically grew his company through partnerships, mentorship, and investing in apprentices. Today, he's passionate about helping independent contractors build stronger businesses while creating more opportunities for the next generation of skilled trades professionals.   Expect To Learn: Why strategic partnerships can accelerate business growth. How to know when it's time to hire employees instead of subcontractors. The pros and cons of using subcontractors versus building an in-house team. Why investing in apprentices creates long-term business stability. How transparency impacts customer sales conversations. The biggest financial lessons every growing contractor should understand. How contractor co-ops could help small HVAC businesses compete with larger organizations.   Timestamps: 00:00 – Introduction 00:44 – When Is the Right Time to Hire Your Next Employee? 01:53 – Learning from Mentors and Building Strategic Partnerships 03:07 – Growing Through Relationships Instead of Marketing 03:34 – Subcontractors vs. Hiring Your Own Apprentices 04:08 – Why Investing in Employees Pays Off Long-Term 06:49 – Scaling Without Overextending Your Business 07:37 – Avoiding Technical Overload During Sales Conversations 08:59 – Selling with Logic, Emotion, and Trust 11:54 – Competing with Private Equity Through Collective Buying Power 12:38 – Streamlining Operations and Holding Contractors Accountable 13:54 – Final Thoughts   Follow our Guest Cornelio Martinez: LinkedIn: https://www.linkedin.com/in/cornelio-martinez-38660b40/  Instagram: https://www.instagram.com/corneliomartinez/  Company Website: https://maizemechanical.com/  Company Facebook: https://web.facebook.com/people/Maize-Mechanical/61556354961579/#    Follow Gary McCreadie: LinkedIn: https://www.linkedin.com/in/gary-mccreadie-38217a77/  Website: https://www.hvacknowitall.com  Facebook: https://www.facebook.com/people/HVAC-Know-It-All-2/61569643061429/  Instagram: https://www.instagram.com/hvacknowitall1/    Follow Furman Haynes:  LinkedIn: https://www.linkedin.com/in/furmanhaynes/  WorkHero: https://www.linkedin.com/company/workherohvac/  Instagram: https://www.instagram.com/workhero__/

Check the episode transcript hereABOUT REED GOOSSENS  Reed Goossens is the Founder and CEO of RSN Property Group, a real estate investment firm that has acquired nearly $1 billion in multifamily assets across the United States. Originally from Australia, Reed moved to the U.S. in 2012 and built a career helping investors create wealth through commercial real estate. He is also a Co-Founder of Accounting First Group, a platform focused on acquiring and scaling CPA firms across the country. In addition, Reed hosts the long-running Investing in the U.S. podcast, where he interviews leading entrepreneurs, investors, and business operators on building wealth and creating financial freedom.   THIS TOPIC IN A NUTSHELL: Reed Goossens' Path From Australian Structural Engineer to Multifamily Syndicator Getting Back to Fundamentals: Positive Leverage & Agency Debt Why Now May Be the Best Buying Window of the Cycle Reading Local Construction Pipelines Before You Buy Red States vs. Blue States: The Case for High-Barrier-to-Entry Markets Blending Institutional and Retail Capital to Bridge Raises Why Raising Equity Is Taking Longer in Today's Market Distressed Deals vs. Distressed Operators: Knowing the Difference Is the Syndication Business Model Built on Volume Broken? The GP Preferred Return Debate and Aligning Incentives With Investors Underwriting Conservative Rent Growth After the 2022 Reset Why Basis Plays Beat Betting on Rent Growth Right Now Shifting From Short-Term Flips to Medium- and Long-Term Holds Market Deep Dive: Austin, Dallas, San Antonio, Phoenix, Fayetteville & Greenville Renter Preferences by Market: Washer/Dryers, AC & In-Unit Amenities Underwriting Volume as a Shortcut to Market Expertise Lightning Round: Biggest Mistakes, First Hustles & Lessons for a Younger Self    KEY QUOTE:                Positive leverage should be your starting point."   ABOUT THE WESTSIDE INVESTORS NETWORK   The Westside Investors Network is your community for investing knowledge for growth. For real estate professionals by real estate professionals. This show is focused on the next step in your career... investing, for those starting with nothing to multifamily syndication.   The Westside Investors Network strives to bring knowledge and education to real estate professionals that is seeking to gain more freedom in their life. The host AJ and Chris Shepard, are committed to sharing the wealth of knowledge that they have gained throughout the years to allow others the opportunity to learn and grow in their investing. They own Uptown Properties, a successful Property Management, and Brokerage Company. If you are interested in Property Management in the Portland Metro or Bend Metro Areas, please visit www.uptownpm.com. If you are interested in investing in multifamily syndication, please visit www.uptownsyndication.com.     We would like to thank our Sponsors: OffsitePros and MyMoneyWorksForMe   #RealEstateInvesting #MultifamilyInvesting #PassiveInvesting #PassiveIncome #RealEstateInvestor #ApartmentInvesting #CommercialRealEstate #RealEstateSyndication #AccreditedInvestor #CashFlowInvesting #InvestmentStrategy #FinancialFreedom #WealthBuilding #AlternativeInvestments #PrivateEquityRealEstate #InvestorEducation #RealEstatePodcast #SponsorDueDiligence #DealAnalysis #InvestmentOpportunities #PortfolioDiversification #LongTermInvesting #MarketCycles #RealEstateEducation #CapitalRaising #InvestorMindset #GenerationalWealth #PrivatePlacements #MultifamilySyndication #SmartInvesting   CONNECT WITH REED GOOSSENS: LinkedIn: https://www.linkedin.com/reed-goossens Instagram: Www.instagram.com/reedgoossens     CONNECT WITH US   For more information about investing with AJ and Chris:  · Uptown Syndication | https://www.uptownsyndication.com/ · LinkedIn | https://www.linkedin.com/company/71673294/admin/  For information on Portland Property Management:  · Uptown Properties | http://www.uptownpm.com ·  Youtube | @UptownProperties  Westside Investors Network  · Website | https://www.westsideinvestorsnetwork.com/ · Twitter | https://twitter.com/WIN_pdx · Instagram | @westsideinvestorsnetwork · LinkedIn | https://www.linkedin.com/groups/13949165/ · Facebook | @WestsideInvestorsNetwork ·  Tiktok| @WestsideInvestorsNetwork ·  Youtube | @WestsideInvestorsNetwork 

Your next customers are already out there... you just haven't been showing up where they are. In this episode, Chris and I break down one of the most overlooked sales channels available today and why it has the potential to transform your business without relying on paid ads or chasing the social media algorithm. We share how building trust through long-form conversations creates faster conversions, why borrowing other people's audiences can accelerate your growth, and the mindset shift that helps you stop spreading your efforts across too many marketing strategies. If you're ready to build more authority, attract higher-quality leads, and create a business that grows through trust instead of constant content creation, this episode is for you. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS What a sales channel actually is and why every business needs one. The biggest mistake entrepreneurs make when trying to generate more sales. Why borrowing other people's audiences can outperform building your own. How the "trust transfer" effect helps convert listeners into customers faster. The 3 phases of turning podcast interviews into one of your highest-converting sales channels. Why long-form content builds authority faster than short-form content. How reaching hundreds of thousands of potential customers doesn't have to require a massive ad budget. RESOURCES Register for my FREE Million Dollar Guest Training: https://milliondollarguest.com/training Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. 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AI investment is reshaping the global outlook. In part one of this economic roundtable, our panel explores where the momentum is strongest — and where investment still needs to catch up.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts on the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist and Head of Macro Research. Michael Gapen: And I'm Michael Gapen, Chief U.S. Economist. Chetan Ahya: And I'm Chetan Ahya, Chief Asia Economist. Jens Eisenschmidt: And I'm Jens Eisenschmidt, Chief Europe Economist. Seth Carpenter: And today is going to be our third quarter economic roundtable taking a wide-angle view on the global economy and all the key forces shaping our outlook and the economy. Seth Carpenter: It's Monday, July 20th at 10am in New York Jens Eisenschmidt: And 4pm in Frankfurt. Chetan Ahya: And 10pm in Hong Kong. Seth Carpenter: Since our last roundtable in April, the global economy has continued to face all sorts of shocks, a mix of resilience and friction. Inflation pressures have not disappeared. Energy and geopolitical risks have come up, they've receded, they've come back, they've receded all over the place But there is one underlying source of momentum that we have to talk about. And that is the AI-driven CapEx cycle. Michael, let me turn to you because the U.S. is a real focal point of all of this. Tell me a little bit about where Morgan Stanley Research is thinking about hyperscaler CapEx. How big it is? And then for you, when you think about the U.S. economy, just how big of a driver is it for what we're looking for in the U.S.? Michael Gapen: Yeah, we continue to revise higher our estimates for hyperscaler and AI-related CapEx in the U.S. economy. We were thinking a little over a trillion for 2027. Now we're more like 1.2 - 1.3 trillion, maybe as high as 1.4 trillion in 2028. So, the level of hyperscaler spending continues to keep rising. The growth rate and its effect on the economy is likely to slow. But as you noted, it's still a major driver of momentum in the U.S. You would look at that headline number and think, "Wow, that's, you know, 3.5 percent or so of GDP. Must be a massive source of momentum for GDP growth." But roughly about 60 percent of that hyperscaler CapEx spending goes to items like computers and peripherals, equipment spending categories that have a very, very high import content. We still get a significant number that AI CapEx is probably contributing around 40 basis points to growth this year. Be a similar-sized amount perhaps next year.So, for an economy that's growing somewhere a little bit above 2 percent right now, maybe closer to 2.5 percent next year, that's a non-trivial amount. We just have to remember it's fueling growth around the world, just not here in the U.S. Seth Carpenter: Yeah, that's a really great point because I have seen some estimates where people say, "Well, if it wasn't for AI CapEx, the U.S. economy wouldn't have grown at all." And that's clearly wrong, as you point out. But U.S. imports are necessarily exports from somewhere else. And, Chetan, if I can pull you into the story then, U.S. firms are buying a lot of AI-related equipment from Asia. What does that mean in your part of the world? And in particular, I'm thinking about Korea, Taiwan, and maybe some other economies in Asia. What's the critical story there? Chetan Ahya: So, for Asia, this has definitely been a big boon. If you look at Asia's exports, they have been booming, and particularly for the ones which are exporting semiconductors to the U.S. They are seeing semiconductor exports growing by 90 percent. And when we go back in time and compare Asia's semiconductor exports, it's very tightly linked to the U.S. IT CapEx. And it's not surprising when Mike Gapen mentions about the imports going up. It's on the other side, helping Asia's exports quite meaningfully. So, so far, we've seen this benefiting Korea, number one, Taiwan, and also Japan. All these three are big beneficiaries of U.S. AI CapEx. And of course, also not just U.S., but the other countries which are doing any little amount of CapEx on AI front, that's also helping these three economies in the region. Seth Carpenter: You've been doing a lot of work, Chetan, recently about how much the story can actually broaden out, that the AI CapEx cycle has really contributed to Asian growth, but it doesn't tell the whole story that there's a broader industrial cycle. Can you give us a little bit of a flavor of that story? Chetan Ahya: That's right, Seth. So, we are actually highlighting that there is a CapEx and industrial super cycle that is underway in Asia, and there are four components to this story. AI and semiconductors CapEx, which we just briefly discussed. Number two is energy. Number three is defense. And number four is industrial supply chain onshoring related CapEx. I know that everybody still thinks that AI is the most important part of this story, but when I give you the numbers and the breakup of that... So, for Asia, AI and semiconductor companies CapEx is about $380 billion in 2026, but energy CapEx is going to be $900 billion. So, this is a far broader story than just AI for Asia. Seth Carpenter: Mike, let me come back to you and to the U.S. then. So, isn't the growth story also broader than that as well domestically? So, what's going on in terms of consumer spending in the U.S., and is there a broader CapEx story in the U.S. as well? Michael Gapen: I would say, is it broader than that? I think maybe you could argue also it's narrower than that. Here's what I mean by that. As I noted AI CapEx contributing about 40 basis points to growth, it's certainly underpinning equity valuations in the U.S. and underpinning strong wealth creation. So about [$]180 trillion in household net worth in the U.S. About [$]55 trillion of that has been created in just the last five years alone, underpinned in part by AI-related spending and optimism about future profitability. That's really supported spending by upper income households. So, I think it's both investment-led and consumer-led, but they're inextricably linked. So, the positive for the U.S. is that it's providing a lot of resilience. The negative component of that is it feels like momentum in the U.S. is narrowly driven. Jens Eisenschmidt: Let me maybe jump in here from Europe to provide some perspective from the other side. So, I think it's a fair summary to say that AI investment is not yet, or maybe will never get there, dominating the business cycle. What we do have instead is an unusually consumption-driven expansion. That has to do not so much with an extraordinary strength of consumption, but more of an absence of other factors. Now, prospectively looking forward, we think the fiscal expansion might help lifting us a little bit. And then it is really the debate how much AI investment can arrive in Europe. For now, I would say it's probably a factor of 20 that separates European investment plans from the plans we know that exist for the U.S. Seth Carpenter: Let me stick with you then in Europe because you brought up fiscal as one of the factors going on here and where it's going… You and your team recently wrote a blue paper talking about what the outlook is for fiscal policy in Europe, and in particular, we had this era of cheap debt. Interest rates in Europe were low, at times negative. It was super easy to borrow. Not as much happened then. There's been a shift towards more fiscal expansion at the same time that interest rates have gone up, causing the cost of debt to go up. Feels like there's a lot of push and pull going on. Can you unpack for us a little bit what was in that paper you wrote, what's going on with fiscal policy in Europe, especially in Germany? And what it might mean over time for Euro-area countries? Jens Eisenschmidt: Yeah, so I think fiscal policy in Europe really is looking at a regime shift. So, there is this very famous, probably in the U.S. even more so than here, notion that the Europeans have built a very comfortable welfare state. And that's true if you just look at the accounting from a GDP perspective. It's close to 50 percent that, you know, budgets are actually extended on welfare spending. And now you have three structural headwinds for any type of fiscal spend. So, one is aging related costs, you mentioned it already. Defense spending has to increase significantly, and the interest rate costs will also rise significantly. All of that means there will be very hard choices to be made. The one thing that actually could help here is growth. Growth is the one thing that's, for now at least, missing, at least in comparison to the U.S. It's probably half what we expect, what the U.S. colleagues think is in stake for the U.S., and a quarter or even less than that of what is there in Asia. So, growth is really the key, the solution, the answer to everything in Europe. More growth than just 1 percent, which is potential, would help solving that fiscal challenge. For now, it looks really, really like an uphill battle. Returning to Germany, it's the one country that has a very good fiscal starting position. They are pushing a lot but they're to some extent pushing a string. So, even with the German huge fiscal package, given that private sector investments so far are absent, doesn't get us a ton of growth. Seth Carpenter: Chetan, maybe I'll come back to you before we close part one of this roundtable. The AI CapEx cycle started with AI, broadened out further. How long do you expect this cycle to last? How durable can it be? And how might it compare to previous CapEx cycles? Chetan Ahya: Yeah, Seth. So, we think this will be a multi-year CapEx cycle. And when we are thinking about the duration of the cycle, there are two things that I would keep in mind. Number one is that most of the drivers that we just discussed – the CapEx on AI, energy, defense, and industrial supply chain onshoring related investments – these are all structural drivers. So, we think these are going to continue for some more time. At this point of time, we have the visibility for this cycle to be lasting for three-four more years. And then the second point of framework that I would keep in mind is that the corporate balance sheets are in a pretty good shape. So, when you are thinking about the leverage in the private sector, you can look at both households and the corporate sector balance sheet. But since the cycle is CapEx driven, we are looking at the corporate balance sheets, and they are in a pretty good shape. Across the region, corporate debt to GDP is below where it was in 2019. Seth Carpenter: Mike, let me, let me wrap up quickly with you. We talked about AI, AI CapEx. For now, that's a very strong demand story. When are we going to see a supply side of things coming from AI? Are you already seeing a big contribution to GDP and growth from productivity coming from AI? Michael Gapen: We are, but not outside of the high-tech sectors, and we're seeing limited, what I'll call labor market restructuring of tasks and occupations beyond high AI-exposed occupations. So right now, everything is still very isolated I think maybe as we get into 2029 and beyond, so as Chetan says, we probably have a three to four-year super cycle here around a build-out phase. Then we might see some of that broader-based diffusion to other non-tech sectors in the economy. Seth Carpenter: All right, Jens, for you, let's wrap up here. So, what is the state of play for the build-out in the CapEx cycle for AI in Europe? Jens Eisenschmidt: Yeah, it's very early stages. As I said before, we really; we connected to all the industry experts or analysts covering the sector and the total plans are a factor of 20 below what we see in the U.S. by just the seven hyperscalers. So, I would say very fragmented, very small, in general. Not only AI. I think the one thing I would be looking at for any type of sign of revival, sign of growth is investment. The second would be investment. And you can guess what the third would be… Investments in the core countries. That's really what we need to see, and we haven't seen much in Germany or France on this front. Seth Carpenter:That's a great place for us to stop today. We talked about the real side of the economy, AI, CapEx, trade. Tomorrow we're going to come back, and we'll talk about how that growth outlook affects inflation. And once you start talking about growth and inflation, you got to talk about policy, and that's where we'll be tomorrow. Mike, Jens, and Chetan, thank you for joining today. And for the listeners, thank you for listening. Be sure to tune in tomorrow for Part 2 of our conversation. And I have to say, if you enjoy this show, please leave us a review wherever you listen, and share Thoughts on the Market with a friend or a colleague today.

In the second part of our economic roundtable, Michael Gapen, Jens Eisenschmidt and Chetan Ahya join Seth Carpenter to discuss how central banks are balancing sticky inflation, resilient growth and regional policy trade-offs.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts on the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist and Head of Macro Research. And once again today, I am joined by Morgan Stanley's chief regional economists: Michael Gapen, the Chief U.S. Economist, Jens Eisenschmidt, our Chief Europe Economist, and on the other side of the world, Chetna Ahya, our Chief Asia Economist. Yesterday, we talked about what's supporting growth around the world, especially AI spending in the U.S. and some government spending in Europe, and Asia's role in making all of this happen. Today, we're going to try to dig deeper and go into policy. It's Tuesday, July 21st at 10 am in New York Jens Eisenschmidt: And 4pm in Frankfurt. Chetan Ahya: And 10pm in Hong Kong. Seth Carpenter: Since the last time we did this in mid-April, I will say the debate around central banks has probably become more complicated. Global growth has held up, probably better than many people expected. And inflation, which picked up a lot, started to recede. But it has not gone away. And some of the forces helping to shape the economy, the AI spending, government spending, that possible upswing in manufacturing, that could keep demand strong, and it might keep pushing inflation higher. So, the question today is, if growth remains resilient, how much room really do central banks have to navigate? Mike, let me start with you because your call for the Fed here in the U.S. is out of consensus, or at least at odds with where the market is pricing things. We talked about the demand going from AI. You pointed out that imports are actually limiting how much domestic demand there is. So, what is the underlying story for inflation in the U.S.? And what does it mean for the Fed? Michael Gapen: So, our view is that inflation will come down in the U.S. So, we think disinflation will be driven by some payback in energy prices. Some payback from tariffs, which have pushed up goods prices over the last year. And some further diminishment in housing-related inflation, namely shelter. So, we think on a broad-based perspective, inflation has already peaked and will start moving lower. And we think we've seen evidence of this in recent inflation prints. A risk to that, though, is from the demand side of the economy and AI-related inflation in two parts. One, higher software prices, chipflation. So, the pass-through of some of the AI pricing components. Fortunately, here, they're about less than 1 percent of the consumer basket. So, we don't think that there's a great risk, a strong risk, a high risk of AI-related inflation in the consumer bundle. I think the real risk is that maybe we underestimate broad-based demand, animal spirits. And so, you might just see a broad-based increase in inflation from stronger demand. That'll be a little bit harder to see in real times. But our expectation is that inflation moves lower to about 3 percent, by the end of this year and closer to 2.5 percent next year. Seth Carpenter: All right. Thanks, Mike. And in fact, the most recent inflation report that we just got confirms your perspective that inflation should be coming down. And so, I guess the question then remains: What would it take for the Fed to hike this year if inflation has come down like we've seen? Michael Gapen: Well, I think that the answer there is that inflation wouldn't come down in line with our expectations. So, if the view is that energy prices, tariffs, and shelter inflation should provide plenty of offset and bring inflation down, I think the answer is you don't get payback. Explicitly, core goods prices stay elevated. Maybe we get ongoing disruptions in the Middle East that push energy prices higher and create second-round effects. So, I think inflation just lingering at elevated levels could mean the Fed gets brought in to raise rates in September or later this year. We think if they're patient enough, they'll see enough disinflation to keep them on the sidelines. But the risk is disinflation forecast is too optimistic, inflation stays firm, the Fed needs to raise rates. Seth Carpenter: All right, Jens, what about for you and the ECB? They've already raised interest rates once this year. I think you've got a forecast for them raising interest rates again in September. What could make you wrong about that forecast? What's going to make you convinced that you're right about that forecast? And is there a similar tension that the ECB is wrestling with that Mike talked about for the Fed? Jens Eisenschmidt: Yeah. I mean, starting with the last part of your question, I think no doubt, very similar tension. Just that, of course, it's less obvious. It's essentially a nuanced European version instead of the loud American version that we always stereotypically think the world looks like. So, essentially, we have here clearly not an AI boom. That, I mean, there's no question. And we have discussed that yesterday. Still, there is certainly the notion that the world demand is not really weak, and some of this will also arrive in Europe. And so, you have that tension between maybe there's more resilience than we had thought, and so inflation will not come down through to slack as much. And so, we might actually add something here in terms of monetary restrictiveness. Now, the other thing that is often forgotten, even though it's blatantly obvious, the starting point is just different. The ECB is running neutral monetary policy by all accounts. I mean, you could say 2 percent is neutral, and now they are 2.25. But, you know, there are ranges of uncertainty around any estimate. And the latest that they published runs – goes from 1.75 to 2;2.5. So basically, even if they were to increase rates to 2.5 in September, you could go with the microphone around the governing council, and you would probably find a lot of people saying, "Well, this is still a neutral policy." That's probably not the case for the U.S. So, I guess this matters here for that debate too. Seth Carpenter: All right. Yesterday we talked about lots of different things, but for Europe, we brought up fiscal policy. How do you think about fiscal policy and how it affects monetary policy? And so, I'm thinking about two channels. One, how much does the ECB care that if they keep pushing up interest rates, they're going to increase the debt service burden for countries that are already facing high debt costs? And second, is fiscal policy going to be the extra impetus for inflation that forces even more rate hikes from the ECB? Jens Eisenschmidt: I guess it depends on who you ask. Certainly, more concerned members in the governing council that would point to exactly that fiscal stimulus as a reason why interest rates have to be increased further from here. The other answer I would give is – probably for now at least, the view on fiscal policy is really model-based. You look at what type of increase in interest rate gets you essentially more fiscal restraint because there's an increase in interest rate bill and so less spending somewhere else. And that gets you basically less stimulus or less growth, I mean, very roughly speaking. I don't think it's a major concern for now. We haven't reached yet interest rates where this would start to play a role. I guess, again, Europe being fragmented as it is, with all the political risk that's around the corner. Think about the elections in France and Italy and Spain next year. That will very likely find itself expressed in spreads. And so, the higher the interest rates are, the larger the spreads could become. Seth Carpenter: So, for each of you, there's clearly a role for inflation. One of the risks we'll talk about maybe is inflation expectations and how maybe there's a big shift in what's going on with inflation. But Chetan, that brings me to you and Asia, because one economy where there unquestionably has been a fundamental shift in inflation and inflation expectation over the past several years is Japan. The Bank of Japan is on this normalization path where they're raising interest rates. Interest rates had been negative and then zero, and now they're gradually raising things up. Inflation has come back to Japan. Markets are looking at what the Bank of Japan is likely to do. Can you tell us a little bit about what our view is for the Bank of Japan this year and next? And what might make them hike interest rates faster than we think? And is there any risk that in fact they hike interest rates slower than we think? Chetan Ahya: Yeah, Seth. So, we are expecting BoJ to hike twice from here. The first rate hike is coming up in December of this year, and then another one coming up in June of next year. And then we think that, you know, the underlying inflation trend in Japan is not really that strong. So, while market pricing is for about three more rate hikes instead of two that we are building in our base case. And some of the macro investors are even talking about four more rate hikes. We think the underlying inflation trend warrants a caution and BoJ to go slowly than what the market is pricing in and what the macro investors are saying in. And the key part of our framework on thinking about Japan's inflation is that bulk of the explanation to inflation rise in Japan lies in currency moves. And secondarily, you can look at also the other drivers are more from supply side, which is higher energy prices or food prices. Whereas it's not driven so much by demand. To elaborate further on why it is not driven by demand, when you look at Japan's consumption trend, and if you index it to hundred at pre-COVID levels in September [20]19 then it's currently about 101; i.e., that it's just about 1 percent up over the last seven years. So that's a very tepid trend of consumption demand. And therefore, we don't think that BoJ needs to rush into hike in a more aggressive pace going forward. Seth Carpenter: So, there is this fundamental shift, but boy, it's not on a tear, and so the BoJ can take its time. You know, Chetan, it's hard to wrap up a conversation about the global economy without talking about China. I get the sense that there's not a lot going on with monetary policy, but we did just see a soft Q2 GDP print. So, against that backdrop, what should we be expecting in terms of policy? Is there any monetary policy coming? Or is there going to be some fiscal expansion? Or is China just sort of stuck in this lower gear? Chetan Ahya: Yeah, Seth. So, we were also surprised by the soft GDP print. But when you look into the data, actually, it was interestingly doing well on exports. And I mentioned earlier about how the global CapEx trend is helping Asia. It's definitely helping China too. But at the same time, China's domestic demand turned out to be quite weak. And particularly in the areas where we think that the policy response can be providing some help, i.e., infrastructure spend, was also very weak. And therefore, we are expecting that in the back half of the year, you will see the government taking up some fiscal expansion. Not new stimulus announcement, but whatever they had budgeted. They have enough room within that to utilize that budget and actually increase that fiscal spending towards infrastructure. We have about 2 trillion RMB worth of funds available for the government to go ahead and spend in the second half. And then lift that growth trend, which has dipped to 4.3 percent in second quarter to back to 4.6 percent in the back half of the year. Seth Carpenter: You know what? Maybe that's a great place for us to leave it. We've gone around the world again today, but this time focusing much more on policy. In the U.S., the Fed is facing this interesting situation. We think inflation is coming down. The last CPI print went in our favor. And so as a result, our forecast is that the Fed doesn't change policy at all this year. But it's going to come down to the data, and in particular, whether or not Mike and his team are right in terms of where inflation is going. In Europe, the ECB has already raised interest rates once this year. Jens and team are looking for another interest rate hike. The ECB really does seem more sensitive to inflation coming from the energy shock, but there are lots of other crosscurrents that they're paying attention to as well. And then the other major developed market central bank, the Bank of Japan, is on this normalization path. They are in the process of raising interest rates, but Chetan pointed out to us that the growth rate is such that they don't have to be in any sort of hurry, and they can take their time. So, with that, Mike, Jens, Chetan, thank you so much for helping us connect all of these dots. And to the listeners, thank you for listening. If you enjoy the show, please leave us a review wherever you listen. And share Thoughts on the Market with a friend or a colleague today.

At 20 years old, Amanda Knox was wrongfully convicted for a horrific murder she did not commit. After spending years in prison, she was definitively exonerated by Italy's highest court and allowed to return home to America. Today, she is an exoneree, journalist, advocate for justice and author of the New York Times bestselling memoir, Waiting To Be Heard. On this classic episode, Amanda joined host Robert Glazer on the Elevate Podcast to discuss her astonishing story, her perspective of justice and resilience, the damaging effect of confirmation bias, and much more. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠masterclass.com/elevate⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠ Whatnot: Search "Whatnot" in the app store to download Fanvue: ⁠⁠⁠⁠fanvue.com⁠⁠⁠ Wealthfront: ⁠wealthfront.com/elevate⁠ More about Wealthfront This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Elevate with Robert Glazer podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

July 21, 2026 – Singapore-based macro strategist Laurent Lequeu of The Macro Butler discusses the intensifying US-China AI race following the release of Moonshot's Kimi K3. Lequeu explains why Chinese competition threatens Western AI profitability...

Cramer says he likes how the financial sector is trading. Become an Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks every day as they talk candidly about the market's biggest headlines, analyst calls and holdings in the Charitable Trust – and see up close how they decide when, and if, to take action on stocks. Sign up here:  cnbc.com/morningtake   CNBC Investing Club Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are your investment dollars sitting idle in a self-directed IRA or low-yield account while inflation eats away at your buying power? In this episode of The Note Closers Show, Scott Carson sits down with members of the WCN community to reveal a massive opportunity in short-term performing paper. A seasoned, 20-year veteran of the real estate industry—and former operator of one of the largest "We Buy Ugly Houses" franchises in Dallas—is recapitalizing his $15 million hard money lending portfolio by offering investors access to double-digit performing notes across 15 states! Discover how you can step into fully originated, double-digit performing first-lien notes with loan amounts ranging from $50,000 to over $300,000. Scott breaks down why these 12-month interest-only loans offer the ultimate sweet spot for investors who want short-term capital velocity without locking up funds for 30 years or managing property rehabs. Learn how the originating lender retains all ongoing loan servicing, manages draw holdbacks, monitors photo updates, and handles any necessary downside enforcement so you can sit back and collect true passive cash flow. Scott also walks you through the power of capital arbitrage. Learn how to raise private money at 7% or 8% to fund 12% performing paper, locking in an infinite rate of return on the spread while putting lazy capital to work. From analyzing borrower experience levels and 70% LTV buffers to navigating fast-foreclosure states like Texas, Georgia, and North Carolina, this episode is your complete blueprint for high-yield, short-term note investing. Key Topics Covered in This Episode:Inside a $15M Performing Tape: Why a veteran hard money lender is selling off double-digit paper to recapitalize and expand loan originations. The Power of Short-Term Notes: Why 1-year interest-only loans provide maximum flexibility and capital velocity for self-directed IRA investors. Built-In Downside Risk Protection: How a 70% LTV threshold, strict borrower skin-in-the-game, and repair holdbacks safeguard your principal. True Passive Loan Servicing: How the originator handles interest collections, draw disbursements, photo updates, and borrower monitoring. The Spread Arbitrage Strategy: How to raise private investor capital at 7–8% to fund 12%+ notes, creating an infinite rate of return. Evaluating Borrower Risk: How to analyze borrower experience levels, loan maturities, and regional market liquidity across Texas, Ohio, and North Carolina. Fast-Track Foreclosure Protection: Leveraging non-owner-occupied business loans and fast-foreclosure legal frameworks in top target states. Ready to get your lazy assets off the bench and generating real yield? Stop waiting for the perfect deal and start putting your money to work today! Watch the full episode, examine the numbers, and register for our upcoming 2-Day Virtual Note Buying Workshop at NoteBuyingForDummies.com to master the note business from the ground up!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.comIs the re-escalation of the US-Iran war threatening to spin out of control?In this Special Report, RANE Middle East analyst Ryan Bohl returns to provide his latest assessment of the situation.#iranwar #oilprices #straitofhormuz _____________________________________________ 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.All the details on Thoughtful Money's relationship with the financial advisors it endorses, many of whom regularly appear on this program, can be found in the following documents. We highly recommend you review these documents as they cover the terms that will apply should you choose to work with one of these firms at any time after watching this video.Thoughtful Money Disclosure Document: https://thoughtfulmoney.com/disclosureThoughtful Money Agreement: https://thoughtfulmoney.com/agreementIMPORTANT 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 © 2026 Thoughtful Money LLC. All rights reserved.

Crypto News: Bitcoin crosses $65,000 and altcoins are following with the charts looking bullish. The White House has agreed on an ethics package for the Clarity Act. Patrick Witt will stay with the Trump administration to see the Clarity Act passing.

Melanie McLane joins this week's episode to discuss her upcoming course at Ohio REALTORS Convention and shares details about fiduciary duties, the most frequent claims against agents, misrepresentation and fraud, agency, fair housing, escrow and risk reduction.Full Description / Show NotesMelanie's history and career backgroundFiduciary duties agents owe clientsMost frequent claims against agentsFraud and misrepresentation risksEscrow risksAgency risksDifference between consumers and clientsWhat you should be prepared for when attending one of her classes

Fourteen years after launch, Subway Surfers is still one of the biggest games in the world. In this episode, Kalie Moore sits down with Mathias Gredal Nørvig, CEO of SYBO, to unpack how a mobile game launched in 2012 continues to attract between 100 and 150 million monthly players while nearly every other hit from its era has faded away. They explore the philosophy behind Subway Surfers' iconic World Tour live operations, why empowering artists and designers has kept the game feeling fresh for more than a decade, how community ideas have directly shaped new characters and game modes, and why collaborations with games like Brawl Stars have become some of the studio's most successful partnerships. Mathias also shares how Subway Surfers Cities evolved from years of experimentation, why SYBO deliberately avoided cannibalizing its flagship title, and what they're still learning as they build the franchise's next chapter.The conversation also dives into one of gaming's most remarkable organic marketing stories: how Subway Surfers became one of TikTok's biggest gaming phenomena without spending on user acquisition, why SYBO gives its social team extraordinary creative freedom, and how the studio thinks about virality, platform expansion, and community-first marketing. Mathias shares SYBO's measured approach to AI, lessons from becoming part of Miniclip and Tencent, why the company stepped back from large-scale licensing despite nearly five billion downloads, and how sustainability, accessibility, and healthy gameplay have become core parts of the studio's long-term vision. The episode offers a rare look inside one of mobile gaming's most enduring success stories and what it takes to build an evergreen franchise that continues to evolve without losing what made it special.We'd also like to thank Heroic Labs for making this episode possible! Thousands of studios have trusted Heroic Labs to help them focus on their games and not worry about gametech or scaling for success. To learn more and reach out, visit https://heroiclabs.com/?utm_source=Naavik&utm_medium=CPC&utm_campaign=Podcast If you like the episode, please help others find us by leaving a 5-star rating or review! And if you have any comments, requests, or feedback shoot us a note at podcast@naavik.co.Who's On:Guest - Mathias Gredal Nørvig: https://www.linkedin.com/in/noervig/Host - Kalie Moore: https://www.linkedin.com/in/kaliemoore/ Watch the episode: YouTube ChannelFor more episodes and details: Podcast WebsiteFree newsletter: Naavik DigestFollow us: Twitter | LinkedIn | WebsiteSound design by Gavin Mc CabeLinks mentioned:https://sybogames.com/https://www.amazon.co.uk/Gaming-Good-Unlocking-Create-Better-ebook/dp/B0CSDHG8KC/https://www.goodgame.club/

In this episode Brian and Jeff discuss why high net-worth investors often underperform, and they also explore tax myths. 

Markets never stop moving, and neither do the conversations that matter most to investors and future retirees. Join Wes Moss and Connor Miller on this episode of the Money Matters Podcast as they break down the latest retirement planning, investing, financial planning, and personal finance headlines with historical perspective and practical context. • Find out how the latest inflation data may influence Federal Reserve policy and interest rate expectations. • See what early projections for the 2027 Social Security COLA—and rising Medicare Part B premiums—may mean for retirement income planning. • Compare wage growth and inflation to better understand what's happening with purchasing power. • Explore the buzz around IPOs while examining what history suggests about IPO investing versus long-term index investing. • Discover how stocks, bonds, and cash have historically performed after inflation across different investment time horizons. • Consider how oil prices, global events, and corporate earnings may influence market volatility and investor sentiment. • Follow the broadening earnings story across the S&P 500, including the growing impact of artificial intelligence spending and wider sector participation. • Learn about the retirement planning tools and bonus resources available with The Retire Sooner Method. Listen to the Money Matters Podcast for more conversations connecting today's headlines with retirement planning, investing, financial planning, and personal finance. Subscribe wherever you get your podcasts so you never miss a new episode.

Legal Docket features the woman beside Justice Alito, Money Beat discusses why “invested in AI” is the wrong question, and on History Book the debate over America's Christian founding. Plus, the Monday morning news.Support The World and Everything in It today at wng.org/donateAdditional support comes from Ambassadors Impact Network, Christian entrepreneurs scaling their companies often struggle to find capital sources that respect, and even celebrate, their redemptive mission. Ambassadors Impact Network connects these founders with angel investors seeking both financial outcomes and spiritual fruit. If you're an investor wanting to steward your capital toward gospel-advancing companies, learn about membership at ambassadorsimpact.comFrom Equip by Unbound. Launching high schoolers through coaching, skills training, and interest-led projects. More at BeUnbound.us/worldAnd from Cedarville University. Located in southwest Ohio, Cedarville University is committed to biblical faithfulness and academic excellence, preparing students to serve Christ with conviction in every profession. Every one of its 175+ undergraduate and graduate programs are grounded in a biblical worldview, equipping graduates with the knowledge, skill, and conviction to serve wherever God leads. New online undergraduate degrees through Cedarville Online offer flexible, affordable education rooted in biblical truth and designed for today's learners. Learn more at cedarville.edu, and explore online programs at cedarville.edu/online.

Do you ever wonder if the thing you're most passionate about could become the business you were meant to build? In this episode, I sit down with Pilates educator and Function Pilates founder Vanessa Kelly to talk about how Pilates can help you move with less pain, strengthen the muscles traditional workouts often miss, improve mobility while building lasting strength, and build a workout routine you'll actually look forward to. We also dive into the biggest misconceptions about Pilates, how to find a workout you'll actually stick with, why slowing down can accelerate your results, and the mindset shifts that helped Vanessa turn her passion into a thriving business. Get ready to rethink the way you move so you can feel stronger, healthier, and more resilient for years to come. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS 00:00 Meet Vanessa Kelly, founder of Function Pilates. 06:00 How do you know when it's time to bet on yourself? 09:30 Why Pilates was the only workout Vanessa actually looked forward to doing. 11:30 What's the difference between classical and contemporary Pilates? 13:30 Why your body was designed to move in more ways than you think. 19:00 Why Pilates is a lifelong investment in your health. 20:30 Why should you do Pilates? 23:00 What do people get wrong about Pilates? 26:00 The unconventional way Vanessa grew her studio with just one reformer. 29:00 The unexpected life event that forced Vanessa to go all in on her business. 31:15 Why your biggest opportunities often come from outgrowing your current role. 38:00 The type of Pilates instructors Vanessa loves to train. 40:30 How teaching others builds confidence you can't get any other way. 43:45 How Pilates retreats help women reconnect with themselves and each other.  48:15 How to train with Vanessa Kelly and become a certified Pilates instructor. RESOURCES Use code LORI100 for $100 OFF the Mallorca, Spain Pilates Retreat HERE! Learn more about Function Pilates HERE! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Vanessa: @vanessakellypilates Follow Function Pilates: @functionpilates Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. 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On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by ⁠⁠⁠Alona Gornick from Churchill from Nuveen to discuss: credit market cycles, an update on private credit, investing in the middle market and more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Nuveen Disclaimer: Nuveen/Churchill and Ritholtz are not affiliated. Views/opinions expressed by Michael Batnick and Ben Carlson do not necessarily represent views of Nuveen/Churchill, its affiliates, or its staff. This material, along with any views and opinions are for informational and educational purposes only as of its date and may change without notice/may not come to pass. There is no promise or warranty (express or implied) as to its accuracy or completeness and should not substitute for your own judgment. This is not a recommendation, investment advice, a solicitation, is not provided in a fiduciary capacity, and does not consider any investor's specific objectives. Consult your financial advisor before making decisions. Past performance does not guarantee future results. All investments carry risk, including possible loss of principal. Alternative investments are speculative and carry substantial risks, including limited liquidity, potential leverage, short sales, currency risk, concentrated holdings, complex tax structures, illiquid secondary markets, and high fees. Private credit/debt investments carry additional risks due to the typically lower credit quality of the underlying borrowers, including credit, interest rate, currency, prepayment/extension, inflation, and capital loss risks, concentrated investments, may involve complex tax structures and may not suit all investors. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Marcus Sonnier. Founder of Snowie Atlanta:

An alarming number of people have access to a 401(k) and are either not using it, not getting the full employer match, or not making the simple moves that turn a good account into a great one. Joe and OG dedicate a full episode to the retirement account that most people take for granted -- covering contributions, matching, investment selection, Roth versus traditional, and the specific decisions that separate people who retire comfortably from people who almost got there. Plus wins from the Stacker community and trivia that will make you the most dangerous person at your next dinner party.What You'll Walk Away WithWhy the employer match is the single highest guaranteed return available to any investor -- and the specific contribution level that captures every dollar of itRoth 401(k) versus traditional 401(k): the one question that cuts through all the noise and tells you which one to use right nowWhy your investment menu feels overwhelming and how to make a great choice in under five minutes using one simple filterThe auto-escalation feature most people never turn on -- and why setting it up once can add tens of thousands of dollars to your balance without you doing anything elseWhat to do with your 401(k) when you leave a job: the four options, which one is almost always wrong, and which one most people choose anywayWhy contribution limits are higher than most people think -- and the catch-up contribution that becomes available at 50 that most people in their 40s don't know to plan forThe vesting schedule trap: why your employer match might not actually be yours yet -- and what that means for anyone thinking about leaving their jobWhy 403(b) and 457 plans follow most of the same rules -- and the one unique advantage the 457 has that almost nobody knows aboutOG on the single most common 401(k) mistake he sees in client portfolios -- and how long it typically takes to fixStacker wins from the community: the specific moves people made this month that are already paying offWhy This Matters NowEvery year you don't optimize your 401(k) is a year of compounding you don't get back. The moves in this episode are not complicated -- but most people either don't know about them or keep putting them off. This is the episode to send to anyone who has a 401(k) and has never really looked at it.From the BasementJoe and OG celebrate the 401(k) in mom's basement while OG recovers from completing the Triple Bypass -- a Colorado cycling event that covers three mountain passes and approximately all of the elevation gain in the western hemisphere. OG's wife asked if he'd do it again. He answered with a childbirth analogy. Doug arrives with trivia that will be re-shared all week. The community delivers wins that prove the system works.Resources MentionedStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Marcus Sonnier. Founder of Snowie Atlanta:

From serving in the military to building a $200M real estate portfolio, Vince Gethings proves that success isn't about having perfect circumstances—it's about having the right framework and taking action. While serving in the U.S. Air Force, Vince bought his first multifamily property while stationed overseas, using a repeatable system that allowed him to invest remotely. Today, he owns more than 800 apartment units, oversees more than $200 million in assets, and leads one of the largest multifamily investing communities in the country. In this episode, Gino Barbaro and Vince Gethings discuss why education, mentorship, discipline, and proven systems can dramatically accelerate your investing journey. They also break down the powerful "Conveyor Belt" strategy for creating long-term wealth and explain why today's market presents opportunities for prepared investors. Whether you're working a W-2 job, serving in the military, running a business, or simply looking to build financial freedom, this conversation is packed with practical lessons you can apply immediately.

Richard McGirr talks to Chad Ackerman as he shares his journey from building a community of LPs at Left Field Investors to coaching operators and investors on mastering deal structures. You'll discover how simplifying complex arrangements like preferred equity and deal tranching can dramatically increase your chances of closing deals, while reducing your risk and aligning incentives for all parties involved. Chad Ackerman Founder of Chad Ackerman Real Estate Based in: Dublin, Ohio Where to find them: https://chadackermanrealestate.com/ https://www.linkedin.com/in/chad-ackerman-8089a8a Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. Visit https://malabarhillcapital.com/ for more info. Podcast production done by⁠ ⁠Outlier Audio Learn more about your ad choices. Visit megaphone.fm/adchoices