Podcasts about investing

As we head into 2026, Ryan Michler breaks down 10 destructive money mindsets that quietly sabotage men's ability to build real wealth. Drawing from his experience as a former financial advisor, Ryan explains why income is not the same as wealth, how debt has been falsely normalized, and why outsourcing responsibility for your finances is a losing strategy. He challenges the belief that "more money will fix everything" and dismantles the idea that your situation is somehow different from everyone else's. This episode is a hard-hitting call to take ownership of your financial decisions, develop discipline, and shift your focus from chasing money to creating real value in the world. Key Topics Covered Why procrastination destroys wealth faster than bad investments The difference between earning money and building wealth How debt has been normalized - and why it's costing you freedom Why outsourcing your finances weakens your sovereignty The danger of entitlement-based spending ("I deserve this") Why more money magnifies problems instead of fixing them Investing vs. gambling - and why doing nothing is the riskiest move Why you must understand money instead of delegating it The myth of being "special" or financially different Why money isn't the problem - behavior and priorities are Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready

Growing up in a frugal immigrant household, Ramit Sethi developed a scarcity-driven mindset and deep anxiety around money. After losing an investment in the stock market and studying both finance and psychology, he realized that most traditional financial advice ignores human behavior. Determined to break free from scarcity thinking, he rebuilt his relationship with money and began using it as a tool to design his own “rich life.” In this episode, Ramit shares how to rewire your money mindset, build wealth, and live a rich life. In this episode, Hala and Ramit will discuss: (00:00) Introduction (02:19) His Background and Early Money Lessons (09:39) Starting a Finance Blog in College (15:25) What a “Rich Life” Really Means (19:55) Money Psychology and Invisible Scripts (24:33) Money Communication in Relationships (29:27) The Conscious Spending Plan Framework (42:08) Money Dials: Spending on What You Love (48:29) Building Wealth and Finding Your Dream Job (56:04) Saving Smarter and Earning More Ramit Sethi is a New York Times bestselling author of I Will Teach You to Be Rich and the host of Netflix's How to Get Rich. He has spent over 20 years teaching millions how to master personal finance, investing, and conscious spending. Ramit also hosts a finance podcast, Money for Couples, where he breaks down real-life money decisions through psychology-based frameworks. His work focuses on helping people design rich lives on their own terms. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Intuit QuickBooks - Start the new year strong and take control of your cash flow at QuickBooks.com/money  Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting   Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Resources Mentioned: Ramit's Book, I Will Teach You to Be Rich: bit.ly/IWTYTBR  Ramit's Podcast, Money for Couples: bit.ly/MFC-apple  Ramit's Show, How to Get Rich: iwt.com/netflix  Ramit's Website: iwillteachyoutoberich.com  Ramit's Instagram: instagram.com/ramit Ramit's LinkedIn: linkedin.com/in/ramitsethi Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Scalability, Risk Management, Financial Planning, Business Coaching

On episode 224 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Andrew Ross Sorkin to discuss: 1929 vs today, looking back at the SPAC mania, the art of the interview, Andrew's dream guest, and much more! This episode is sponsored by VanEck. Learn more about the VanEck Semiconductor ETF: https://vaneck.com/SMHCompound Grab a copy of Andrew's new book, 1929. Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Independent Registered Investment Advisors (RIAs) are professional independent advisory firms that provide personalized financial advice to their clients, many of whom have complex financial needs. To break down all the ins and outs of RIAs, we're joined by ⁠⁠Jon Beatty⁠⁠, head of Schwab Advisor Services at Charles Schwab. As Managing Director, Jon oversees the business that serves over 16,000 independent advisory firms that trust Schwab with $5.0 trillion in assets under management.  You can learn more about Schwab and their support of independent financial advisors here. Schwab Advisor Services™ is a division of Schwab. Independent investment advisors are not owned by, affiliated with, or supervised by Schwab. The comments, views, and opinions expressed are those of the speakers and do not necessarily represent the views of Charles Schwab. This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice.  Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Our Global Head of Fixed Income Research Andrew Sheets takes a look at multiple indicators that are pointing on the same direction: strong growth for markets and the economy.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Global Head of Fixed Income Research at Morgan Stanley. Today I'm going to talk about an unusual alignment of signs of optimism for the global cyclical backdrop and why these are important to watch. It's Friday, January 9th at 2pm in London. 2026 is now well underway. Forecasting is difficult and a humbling exercise; and 2025 certainly showed that even in a good year for markets, you can have some serious twists and turns. But overall, Morgan Stanley Research still thinks the year ahead will be a positive one, with equities higher and bond yields modestly lower. It's off to an eventful start, certainly, but we think that core message remains in place. But instead of going back again to our forecasts through the year ahead, I wanted to focus instead on a wide variety of different assets that have long been viewed as leading indicators of the global cyclical environment. I think these are important, and what's notable is that they're all moving in the same direction – all indicating a stronger cyclical backdrop. While today's market certainly has some areas of speculative activity and excessive valuations, the alignment of these things suggests something more substantive may be going on. First, Copper prices, which tend to be volatile but economically sensitive, have been rising sharply up about 40 percent in the last year. A key index of non-traded industrial commodities for everything from Glass to Tin, which is useful because it means it's less likely to be influenced by investor activity, well, it's been up 10 percent over the last year. Korean equities, which tend to be highly cyclical and thus have long been viewed by investors as a proxy for global economic optimism, well, they were the best performing major market last year, up 80 percent. Smaller cap stocks, which again, tend to be more economically sensitive, well, they've been outperforming larger ones. And last but not least, Financial stocks in the U.S. and Europe. Again, a sector that tends to be quite economically sensitive. Well, they've been outperforming the broader market and to a pretty significant degree. These are different assets in different regions that all appear to be saying the same thing – that the outlook for global cyclical activity has been getting better and has now actually been doing so for some time. Now, any individual indicator can be wrong. But when multiple indicators all point in the same direction, that's pretty worthy of attention. And I think this ties in nicely with a key message from my colleague, Mike Wilson from Monday's episode; that the positive case for U.S. equities is very much linked to better fundamental activity. Specifically, our view that earnings growth may be stronger than appreciated. Of course, the data will have a say, and if these indicators turn down, it could suggest a weaker economic and cyclical backdrop. But for now, these various cyclical indicators are giving a positive read. If they continue to do so, it may raise more questions around central bank policy and to what extent further rate cuts are consistent with these signs of a stronger global growth backdrop. For now, we think they remain supporting evidence of our core view that this market cycle can still burn hotter before it burns out. Thank you as always, for your time. If you find Thoughts on the Market useful, let us know by leaving a review wherever you listen. And also, please tell a friend or colleague about us today.

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

Investing isn't a game, and treating it like one can quietly sabotage your future. This episode dismantles the idea of “trying out” investments or advisors the way Wall Street has trained people to do for decades. Don and Tom argue that real financial advice starts with planning, not products, and that a true fiduciary focuses on taxes, portfolio design, and long-term goals — not beating markets or selling what's hot. Listener questions tackle portfolio overlap inside a 401(k), when simplicity beats customization, the reality behind so-called “Trump accounts” for children, and how to evaluate companies like Corbridge Financial in teacher retirement plans. The show wraps with a reality check on World Cup ticket pricing that somehow makes active management look affordable by comparison. 0:04 Why “trying out” investments makes no more sense than test-driving surgery 1:26 The danger of treating investing like a game 2:29 How Wall Street gamified investing for nearly a century 3:45 What good advisors don't promise 4:10 Fiduciary planning versus transactional sales 5:14 Marketing narratives vs. real financial planning 6:55 Why big advisory firms spend fortunes on persuasion 7:48 Hot returns, sexy funds, and why chasing them fails 8:35 Investing to win vs. investing to reach a goal 9:56 Accepting market reality instead of competing with billionaires 11:27 Product versus planning — the core distinction 12:09 Listener question: fixing portfolio overlap inside a 401(k) 14:34 Why simpler portfolios usually work better 15:09 Using target-date funds to eliminate overlap and rebalancing headaches 16:19 What “Trump accounts” actually are — and what they aren't 18:39 Comparing Trump accounts to 529 plans 21:38 Corbridge Financial: when it's fine and when it's a trap 23:01 Appreciating listeners everywhere (yes, even Portland) 24:40 World Cup ticket prices that defy financial gravity Learn more about your ad choices. Visit megaphone.fm/adchoices

Arrash Yasavoli discusses how you should jump on investing in bitoin in 2026! Arrash's path from data engineering at LinkedIn into quantitative trading, crypto, and building Glitch, a SaaS platform that gives broader access to advanced trading strategies gives a unique perspective into possible 2026 investing plans. We also talk Bitcoin's role as a potential store of value, the divergence between Bitcoin and altcoins, the growing importance of real utility and valuation in crypto projects, the rise of ETFs and stablecoins as bridges to mainstream adoption, and more. We discuss... Crypto's transition from a speculative and "scammy" perception toward broader legitimacy through regulation, ETFs, and institutional adoption. Bitcoin is increasingly viewed as a store of value similar to gold rather than a scalable transactional currency. Bitcoin's fixed supply and resilience through multiple market cycles were highlighted as key drivers of long-term investor confidence. Bitcoin's historical growth rates are unlikely to persist, with future returns likely slowing and volatility remaining high. The growing divergence between Bitcoin performance and stagnant altcoins was identified as a sign of increasing market maturity. Many altcoins from earlier cycles failed due to hype-driven models that never delivered real value. The current crypto cycle was compared to the post–dot-com bust era, where focus shifts from excitement to sustainable business models. Regulatory clarity, including frameworks for crypto and stablecoins, was viewed as a major catalyst for continued adoption. Whether investors should trade or hold crypto, with emphasis on patience and fundamentals over speculation. Future crypto valuation models were described as moving toward revenue, profitability, and clear value propositions. Arrash outlined his work on BitTensor, a blockchain designed to create and trade real digital commodities. Crypto's long-term value lies in practical applications that quietly use blockchain under the hood rather than hype-driven narratives. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/investing-in-bitcoin-in-2026-arrash-yasavolian-780 

How did a year that looked like a miss on paper actually turn out to be one of the most meaningful years I've had? In this solo episode, I reflect candidly on my 2025 goals, where I fell short, and the unexpected personal and professional wins that reshaped how I think about success, tradeoffs, and accountability. Listen in as I walk through a powerful year-in-review exercise that helped me reframe how I think about goals, progress, and tradeoffs. I share my core focus for 2026, why I'm doubling down on fundamentals across business and life, and what that means for how I'm approaching marketing, writing, and leadership at eCommerceFuel. I also preview an upcoming podcast series on financial mastery for store owners and offer a transparent snapshot of how I'm thinking about my personal investment portfolio as the year begins. You can find show notes and more information by clicking here: https://bit.ly/4boh26d Interested in our Private Community for 7-Figure Store Owners?  Learn more here.   Want to hear about new episodes and eCommerce news round-ups?  Subscribe via email.

Jan 9, 2026 – Mish Schneider joins Jim Puplava to discuss striking parallels between 1966 and 2026, from potential market peaks to social upheaval and protests with a mid-year election on the way. They explore broadening rallies, commodity surges...

Crypto News: Trump says he's instructing unnamed representatives to buy $200 billion in MBS in a bid to narrow mortgage spreads and bring down rates. This in addition to other QE activities will bring more liquidity to markets. Morgan Stanley continues crypto push, plans wallet in the second half of 2026. Brought to you by

In this episode, Vinney Chopra leads a thoughtful mastermind discussion on where the economy may be heading and how investors can position themselves wisely. From real estate cycles and regional market differences to the unseen forces shaping employment and wealth, Vinney brings clarity to a noisy and uncertain landscape using grounded experience instead of speculation.   Key areas covered in the conversation include:  

Local prosecutor in Minneapolis is asking the public to send her video or other evidence related to the fatal shooting of a woman by an Immigration & Customs Enforcement officer because she is concerned the FBI will not share its evidence with her investigators; Oregon's Attorney General says his office has a good working relationship with the FBI in the now-launched investigation an ICE officer shooting of two people in Portland; Senate Republican leaders visit the U.S.-Mexico border to promote the border security funding contains in last year's law known as the One Bill Beautiful Bill; Labor Department releases the December jobs report: 55,000 jobs created, unemployment ticks down to 4.4%; President Donald Trump meets with oil & gas company executives at the White House to discuss investment in Venezuela's oil sector after the U.S. military captured President Nicolas Maduro; Kentucky and Vermont Governors deliver their annual State of the State addresses. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this second Best Of compilation, our team distilled the most powerful insights from 2025, and some from 2024—of Investing in Integrity. Spanning leadership, culture, and purpose-driven finance and investing, this special edition brings together defining moments from more than 40 conversations with some of the world's most thoughtful executives, investors, and builders.Rather than a simple highlight reel, this episode revisits key voices across multiple dimensions of leadership — reflecting how the same principles show up differently in how we lead, how we build culture, and how we deploy capital. Selecting these moments was no easy task, but each was chosen for its ability to inspire us to think more deeply our lives and our work. It's divided into three sections:Leadership That Transforms: We begin with reflections on leadership at its core — how leaders think, grow, and show up when stakes are high. Featuring Howard Marks, Co-Founder and Co-Chairman of Oaktree Capital Management; Bill George, former Board Director at Goldman Sachs, Executive Education Fellow at Harvard Business School, and author of True North; Doug Kimmelman, Senior Partner at ECP; and Steve Ellis, Co-Managing Partner of The Rise Fund at TPG, this section explores humility, self-awareness, conviction, and the evolving nature of values. Together, these insights illuminate what it truly means to lead with character in complex environments.Culture, Purpose & Integrity: We shift into the essential work of shaping organizational culture through the experiences of Bei Ling, CHRO at Wells Fargo; Pamela Alexander, Head of Corporate Citizenship at KKR; and Howard Marks (returning), this section reveals how trust is built, how purpose is operationalized, and how integrity becomes a guiding force inside the world's most influential institutions.Finance as a Force for Good: Finally, we explore how leadership and culture translate into action — particularly in the world of finance. Featuring Steve Ellis (returning), Trae Stephens, General Partner at Founders Fund, and Greg Shell, Partner at Goldman Sachs, this closing section demonstrates how capital, when aligned with long-term thinking and human impact, can be a powerful force for good. These voices challenge us to move beyond profit alone toward outcomes that expand opportunity and strengthen communities.In closing, Howard Marks shares a final reflection on generosity, underscoring the importance of giving back as a cornerstone of purposeful leadership.Whether you're leading a team, shaping culture, entering finance, or striving to grow personally and professionally, this episode is designed to accelerate your development and deepen your sense of purpose.This compilation isn't just a highlight reel — it's a blueprint.A blueprint for leadership anchored in character.A blueprint for careers aligned with purpose.A blueprint for a financial system that lifts society up.We've curated this episode to equip you with actionable insights you can carry into your work, your relationships, and your life.

Rich and Doug discuss am epic masculine trait that gets ignored in today's blame shifting environment. Enjoy and share.     Chapters 00:00 Introduction and New Year Reflections 02:55 The Purpose Behind Pain 05:57 Investing in Health and Well-being 08:53 Raising Strong Sons 11:56 Life Lessons and Responsibility 15:05 The Importance of Accountability 21:19 The Power of Responsibility 22:41 Entitlement and Consequences 25:55 Wealth and Responsibility 27:49 Freedom vs. Responsibility 29:56 Taking Responsibility in Adversity 32:17 The Mindset of Responsibility 34:13 Confession and Accountability 36:37 Blame Shifting and Personal Growth 39:20 Raising Responsible Children 42:08 The Call for Repentance and Renewal   What do you think about the episode?  Comment below or email us: http://waw.fm/hello

The majority of investors chase hype and wind up losing out. Find out the exact criteria I use to identify winning AI investments.#AIInvesting #SmartMoney #InvestWithAI #FutureFinance #TechStocks #ChatGPT #OpenAI #xAI #Gemini #Google #Meta

The 2026 tax season is shaping up to look very different—especially for retirees, near-retirees, and late-career workers. Richard Rosso & Jonathan McCarty break down some major tax changes tied to the “One Big Beautiful Bill” and recent retirement legislation that could materially impact your tax planning strategy. From higher standard deductions and new age-based write-offs to expanded SALT limits, auto-loan interest deductions, and larger 401(k) catch-up contributions, these changes create both opportunities and planning traps. 0:00 - INTRO 0:19 - The Big D in the OBBB 3:52 - Higher Standard Deductions 6:57 - Withholding Adjustments 10:25 - Higher SALT Deduction 12:33 - Automobile Loan Interest Deduction 15:29 - Larger Catch-up Contributions 19:15 - Tipped Workers & Qualifying Jobs 23:15 - To Itemize or Not to Itemize 23:56 - Getting Ready not to File Tax Returns 25:06 - Looking at Roth Options 30:52 - 2026 Economic Summit 33:14 - Roth Conversion Deadlines 35:43 - YouTube Poll Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=5dEwx5cGCZw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "2026 Market Forecasts: Why Wall Street Gets It Wrong," here: https://www.youtube.com/watch?v=cQA10SrDk3s&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Sector Rotation Quietly Begins," is here: https://www.youtube.com/watch?v=l6zc2wXLn5o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #2026Taxes #TaxPlanning #RetirementPlanning #IRSUpdates #FinancialEducation

In this special solo episode of the I Fired My Boss podcast, Dan Claps shares his presentation from a live webinar titled Don't Start Your Own Business Until You Know This. Drawing on 12 years of experience in franchising, entrepreneurship, and business brokerage, Dan lays out the foundational framework every aspiring business owner needs to understand before jumping into business ownership. Whether you're considering starting a business from scratch, buying an existing one, or joining a franchise, Dan walks through the costly mistakes to avoid—and the critical filters to apply when selecting the right business and industry for your goals and lifestyle.Dan breaks down five key factors that determine whether a business will set you free or trap you: how you'll acquire customers, find and manage employees, stand out in the market, make the numbers work, and whether the day-to-day aligns with your personal strengths. He also dives into real-world examples from his own entrepreneurial journey—from a failed college startup to scaling and selling a lead gen company to private equity, and launching his current franchise, Voda Cleaning & Restoration. This episode is packed with practical advice on industry selection, understanding business models, leveraging SBA loans, and why franchising might be the fastest path to freedom for many aspiring entrepreneurs. 

We are officially in 2026, and this is one of the most important episodes I've ever recorded.I'm recapping what actually happened in the markets in 2025 and sharing how I'm thinking about investing in 2026 - especially as AI continues to transform everything.Tune in to learn:What actually happened in the markets in 2025, including key stats and winnersWhy 2026 is going to be a huge year for investorsThe impact of AI and why it's going to be transformationalHow to win as a woman investor in the next few yearsHow to approach investing in 2026 without fear or guesswork

MacroVoices Erik Townsend & Patrick Ceresna welcome, Darius Dale. They discuss why Darius thinks that one year from now in January 2027, we'll probably look back on 2026 as an up year for most financial markets. But Darius says put your seat belt on for the first few months of the year, which he thinks could be quite turbulent. https://bit.ly/49LhPNe   ✅Sign up for a FREE 14-day trial at Big Picture Trading: https://bit.ly/49eoyzj  

Brian Nowak: Welcome to Thoughts on the Market. I'm Brian Nowak, Morgan Stanley's Head of U.S. Internet Research. Andrew Percoco: And I'm Andrew Percoco, Head of North America Autos and Shared Mobility Research. Brian Nowak: Today we're going to talk about why we think 2026 could be a game changer and a point of inflection for autonomous vehicles and autonomous driving. It's Thursday, January 8th at 10am in New York. So, Andrew, let's get started. Have you ridden an autonomous car before? Andrew Percoco: Yeah, absolutely. Took a few in L.A., took one in San Francisco not too long ago. Pretty seamless and interesting experience to say the least. Brian Nowak: Any accidents or awkward left turns? Or did you feel pretty comfortable the whole time? Andrew Percoco: No, I felt pretty comfortable the whole time. No edge cases, no issues. So, all five star reviews for me. Brian Nowak: Andrew, we think your answer is going to be a lot more common as we go throughout 2026. As autonomous availability scales throughout more and more cities. Things are changing quickly. And we kind of look at our model on a city-by-city basis. We think that overall availability for autonomous driving in the U.S. is going to go from about 15 percent of the urban population at the end of 2025 to over 30 percent of the urban population by year end 2026. Andrew Percoco: Yeah, totally agree. Brian, I'm just curious. Like maybe layout for us, you know, what you're expecting for 2026 in more detail in terms of city rollouts, players involved and what we should be watching for throughout the next, you know, nine to 12 months. Brian Nowak: We have multiple new cities across the United States where we expect Waymo, Tesla, Zoox, and others to expand their fleet, expand autonomous driving availability, and ultimately make the product a lot more available and commonplace for people. There are also new potential edge cases that we think we're going to see. We're going to have our first snow cities with Waymo expected to launch in Washington, D.C.; potentially in Colorado, potentially in Michigan. So, we could have proof of concept that autonomous driving can also work in snow throughout [20]26 and into 2027 as well. So, in all, we think as we sit here at the start of [20]26, one year from now, there's going to be a lot more people who are going to say: I'm using an autonomous car to drive me around in my everyday practice. Andrew Percoco: Yeah, that makes a lot of sense. And I guess, what do you think the drivers are to get us there, right? There's also some concerns about safety, adoption, you know, cost structure. What are the main drivers that really make this growth algorithm work and really scales the robotaxi business for some of the key players? Brian Nowak: Part of it is regulatory. You know, we are still in a situation where we are dealing with state-by-state regulatory approvals needed for these autonomous vehicles and autonomous fleets to be built. We'll see if that changes, but for now, it's state by state regulation. After that, it comes down to technology, and each of the platforms needs to prove that their autonomous offerings are significantly safer than human driving. That is also linked to regulatory approval. And so, when we think about fleets becoming safer, proving that they can drive people more miles without having an accident than even a human can – we think about the autonomous players then scaling up their fleets. To make the cars and fleets available to more people. That is sort of the flywheel that we think is going to play out throughout 2026. The other part that we're very focused on across all the players from Waymo to Tesla to Zoox and others is the cost of the cars. And there is a big difference between the cost of a Waymo per mile versus the cost of a Tesla per mile. And we think one of the tension points, Andrew, that you can, you can talk about a little bit here, is the difference in the safety data and what we see on Tesla as of now versus Waymo – versus the cost advantage that Tesla has. So, talk about the cost advantage that Tesla has through all this as of right now. Andrew Percoco: Yeah, definitely. So, you know, as you mentioned, Tesla today has a very clear cost advantage over many of the robotaxi peers that they're competing with. A lot of that's driven by their vertical integration, and their sensor suite, right? So, their vehicle, the cost of their vehicle is – call it $35,000. You've got the camera only sensor approach. So, you don't have lidar, expensive lidar, and radar in the vehicle. And that's just really driven a meaningful cost improvement and cost advantage. On our math about a 40 percent cost advantage relative to Waymo today. Now going forward, you know, as you mentioned, I think the key hurdle here or bottleneck, that Tesla still needs to prove is their safety. And can they reach the same safety standards as a human driver? And, you know, the improvement that you've seen from Waymo. You know, to put some numbers around this. Based on publicly available data in Austin, Tesla's getting in a crash, you know, every about, call it every 50,000 miles; Waymo is closer to every 400,000 miles per crash. So today, Waymo is the leader on safety.I think the one important caveat that I want to mention here is that's on a relatively small number of miles driven for Tesla. They've only driven about 250,000 miles in Austin, whereas Waymo's driven close to, I think, a hundred million miles cumulatively. So, when you look back, I think this is going to be the kind of key catalyst and key data point for investors to watch is – how that data improves over the course of 2026. If you track Waymo – Waymo's data improved substantially as their miles driven improved, and as they launched into new cities.We'd expect Tesla to follow a similar trend. But that's going to be a huge catalyst in validating this camera only approach. If that happens, Tesla's not limited in scale, they're not limited in manufacturing capacity. You can meaningfully see them expand… Or you can see them expand quite quickly once they prove out that safety requirement. Brian Nowak: I think it's a great point because, you know, one of the other big debates that we are all going to have to monitor in the AV space throughout 2026 is: How quickly does Tesla completely pull the safety drivers, and how quickly do they scale up production of the vehicles? Because one of the bank shots around autonomous driving is actually the rideshare industry. You know, we have partnerships; some partnerships between Waymo and Uber and Waymo and Lyft. But Tesla is not partnering with anyone. And so, I think the extent to which we see a faster than expected ramp up in deployment from Tesla can have a lot of impact. Not only on autonomous adoption, competition with Waymo, but also the rideshare industry.So how do you think about the puts and takes on Tesla and sort of removing the drivers and scaling up the fleet this year? What should we be watching? Andrew Percoco: Yeah, so they've already made some strides there in Austin. They've pulled the safety monitor. They haven't opened that up to the public yet without the safety monitor. They're still testing, presumably in that geography. They need to be extremely careful in terms of, you know, the regulatory compliance and making sure they're doing this in a safe way. Ultimately that's what matters most to them. We do expect them to roll it out to the public without the safety monitor in 2026. Whether or not, that's the first quarter or the third quarter – is a little bit tougher to predict. But I think it's reasonable to assume whatever the timeline is, they're going to make sure it's the safest way possible to ensure that there's, you know, no unintended consequences as it relates to regulation, et cetera. I think one, also; one important data point or interesting data point here. You know, we model, I think, a 100 percent CAGR in miles driven, autonomous miles driven through 2032. You can talk a little bit about, you know, what the implications for rideshare, but I think important. It's important to contextualize that would still only represent less than 1 percent of total U.S. miles driven in the U.S. So substantial growth over the next, call it six or seven years. But still a massive TAM to be tapped into beyond 2032. And I think the key there is – what's the cost reduction roadmap look like? And can we get robotaxis to a point where they are cheaper than personal car ownership? And could robotaxis at some point disrupt the car ownership process? Brian Nowak: Yeah. And the other more important point around rideshare will be how much do these autonomous offerings expand the addressable market for rideshare and prove to be incremental? As opposed to being cannibalistic on existing ride share rides. Because you're right that, you know, even our out year autonomous projections still have it less than 1 percent of the total trips. But the question is how much does that add to ride share? Because in some scenarios, those autonomous trips could end up being 20 to 30 percent of the rideshare industry. This matters for Uber and Lyft because while they are partnering Waymo and other autonomous players across a handful of markets, they're not partnered in all the markets. And in some markets, Waymo is going alone. Tesla is going at it alone. And so when we look at our model and we say as of 2024, Uber and Lyft make up 100 percent of the ride share industry based on the current partnerships, which includes Waymo and Tesla and all; and Zoox and all the players, we think that Uber and Lyft will only make up 30 percent of the autonomous driving market. And so it's really important for the rideshare industry that when, number one, we see AV's being incremental to the TAM; and two, that Uber and Lyft are able to continue to add more partnerships over time to drive more of that overall long-term AV opportunity and participate in all this rideshare industry over the next five years. Andrew Percoco: I think it's really clear that the future of autonomous vehicles is here and we've reached an inflection point; and there's a lot of interesting catalysts and data points for us and for investors to watch for throughout 2026.So Brian, thanks again for taking the time to talk. Brian Nowak: Andrew, great speaking with you. And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Chris Bailey explains the science behind intentionality and how it can dramatically increase goal attainment. — YOU'LL LEARN — 1) The 12 main values that drive everything you do2) 
The simple reframe that significantly boosts motivation3) How to deal with resistance to actionSubscribe or visit AwesomeAtYourJob.com/ep1118 for clickable versions of the links below. — ABOUT CHRIS — Chris Bailey is an author and speaker who explores the science behind living a more productive and intentional life. He has written hundreds of articles on the subject and has garnered coverage in media as diverse as The New York Times, The Wall Street Journal, GQ, HuffPost, New York magazine, Harvard Business Review, TED, Fast Company, and Lifehacker. The bestselling author of The Productivity Project, Hyperfocus, and How to Calm Your Mind, Bailey's books have been published in more than forty languages. He lives in Ottawa, Canada. His new book, Intentional, comes out January 6, 2026.• Book: Intentional: How to Finish What You Start• Website: ChrisBailey.com— RESOURCES MENTIONED IN THE SHOW — • Study: “An Overview of the Schwartz Theory of Basic Values” by Shalom Schwartz• Book: Solving the Procrastination Puzzle: A Concise Guide to Strategies for Change by Timothy Pychyl• Past episode: 572: How Morning Practices Like Savoring and Investing in Calm Boost Productivity with Chris Bailey— THANK YOU SPONSORS! — • Monarch.com. Get 50% off your first year on with the code AWESOME.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Building wealth and time freedom isn't just about working harder or finding the next opportunity; it's about surrounding yourself with the right people and designing systems that create leverage over time. And today's guest has mastered both sides of that equation.Thanh Pham is the founder of Asian Efficiency and host of The Productivity Show, where he has spent more than a decade helping entrepreneurs and executives work smarter, not longer. From hosting 50 magnificently curated Jeffersonian-style dinners to building thriving communities and events in Austin, Thanh has mastered the art of creating relationship capital. Thanh shares how curating meaningful relationships not only accelerated his personal growth but also his business opportunities and his lifestyle freedom. He explains why hosting experiences is one of the fastest ways to build trust and credibility and how positioning yourself as a connector opens doors that money can't.You definitely won't want to miss the end of our conversation, where Thanh explains how he's now leveraging AI and automation, using AI agents to handle entire workflows and reclaim dozens of hours of his time each week. Rather than replacing human connection, Thanh shows how technology can amplify it and free up your time for what matters most.In this episode, you'll learn: ✅ How hosting intentionally curated events positions you as a connector and builds trust, develops opportunities and accelerates long-term wealth.✅ How Thanh curates relationship capital to grow his business without sacrificing freedom or burning out.✅ The AI agents Thanh uses to automate various aspects of his business and the system that saved him 83 hours in a single week.Show Notes: LifestyleInvestor.com/272Tax 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.

Start the year with structured context around today's most frequently discussed retirement planning questions on the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase. This episode presents an educational review of real listener scenarios, placing retirement, investing, and planning topics within a long-term analytical framework. • Review current U.S. wealth statistics by discussing commonly cited data on net worth, retirement account balances, and generational financial trends. • Outline household risk considerations by examining how families often think about emergency savings, retirement contributions, and income stability. • Discuss real estate planning considerations by evaluating factors involved in purchasing a condo for college-bound children, including cash flow and potential resale dynamics. • Describe fiduciary planning relationships by outlining services commonly associated with comprehensive retirement planning, tax coordination, and advisory fee structures. • Explain the “Rule of 55” by clarifying how early access to employer-sponsored retirement plans is typically referenced. • Summarize shared characteristics of long-term savers by highlighting recurring themes reported by listeners with higher household savings levels. • Compare buffered ETFs by discussing how downside buffers and capped upside features are typically weighed within diversified portfolios. • Examine mortgage buyout scenarios by outlining considerations for co-owned property, interest-rate assumptions, and loan structure implications. • Analyze bond duration risk by discussing how interest-rate changes and yield-curve movements may influence long-duration bond pricing. If you're searching for clear, educational discussions around retirement planning, investing considerations, and household financial decision-making, this episode may add perspective. Listen and subscribe to the Retire Sooner Podcast for ongoing conversations that help place financial topics in a long-term context. Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael Howell, founder & CEO of Crossborder Capital, explains why he calculates the global liquidity cycle has peaked.He predicts stocks will go lower by the end of 2026.And possibly for several more years to come.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#liquidity #marketcorrection #marketcrash _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2026 Thoughtful Money LLC. All rights reserved.

Cody Carbone, CEO of The Digital Chamber, joined me to discuss the latest developments on the crypto market structure bill in the Senate—and more.Topics: - Market Structure Bill markup and passing in 2026- Implementation of the Genius Act - Banks lobbing against stablecoin yield and DeFi - Maxine Waters asks for hearing with SEC Chair Paul Atkins over dropped crypto cases - Mike Selig as new CFTC chair - "Anti-CBDC Surveillance State Act" status - Digital Chamber's 2026 Roadmap Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

Crypto News: The banking lobby continues to fight against stablecoin yield and there is big movement in DC around the crypto market structure bill. Trump-backed World Liberty Financial seeks US bank charter to bring USD1 stablecoin fully onshore. Wyoming issues first state-backed stablecoin on Solana.Brought to you by

Many investors feel pressure at the start of a new year to make big portfolio changes. In this episode of The Capitalist Investor, Derek and Tony break down the most common investing mistakes people make early in the year and why activity is often confused with progress.They discuss why overreacting to early market moves can create unnecessary risk, how chasing last year's winners often backfires, and why simple rebalancing is usually more effective than drastic changes. The conversation also covers market volatility, mean reversion, discipline after strong multi year market performance, and how investors should think about positioning portfolios moving into 2026.This episode is focused on long term thinking, risk management, and staying aligned with a plan instead of reacting emotionally to headlines or calendar changes.

In boutique fitness, it's easy to be fully consumed by your studio—or the competitors nearby. Shift your perspective periodically to the landscape around the world to gain novel insights. Catch Episode 698: What Top Studios Are Doing Around the World, Part 2, where Heather Garrick and I highlight the cool innovation and evolution playing out in Asia and Europe. Investing in education: driving growth through instructor training & development Leading locally: forming partnerships and adapting concepts regionally & culturally Making a statement: using bold branding and memorable experiences to stand out Unleashing creativity: innovating formats, adding brands and streamlining buildouts Navigating challenges: addressing aggregators & market complexity in Europe  Capitalizing on the massive opportunity in these huge regions, smart brands are becoming increasingly intentional, strategic and visionary. Episode 698 paints a promising picture. Catch you there,   Lise   PS: Join 2,000+ studio owners who've decided to take control of their studio business and build their freedom empire. Subscribe HERE and join the party! www.studiogrow.co www.linkedin.com/company/studio-growco/  

In this episode of Remodelers On The Rise, Kyle reflects on twelve standout podcast episodes from 2025 — one from each month — and shares the key takeaways and insights that stuck with him. From leadership and branding to marketing, delegation, and client experience, this year-in-review episode is packed with practical reminders to help you move quickly... but not rush, as you grow your business in 2026. ----- Want to keep in touch with past clients and prospects without the hassle of writing content yourself? That's exactly what Remodelers AutoPilot does — each month you get a done-for-you email newsletter and social media posts, ready to send. ----- Explore the vast array of tools, training courses, a podcast, and a supportive community of over 2,000 remodelers. Visit Remodelersontherise.com today and take your remodeling business to new heights! ----- Takeaways Business is all about solving problems. Your clients are your most valuable marketing asset. Move quickly, don't rush. Branding matters more than you think. Clients connect with stories. Investing in team growth leads to higher retention rates. Trust people, even if they haven't proven their trustworthiness yet. Advertising is the price you pay for not being remarkable. We need to learn to delegate to avoid burnout. Emotional safety is crucial in relationships. ----- Chapters 00:00 Introduction to the Year in Review 03:44 Branding and Storytelling in Remodeling 06:09 Employee Engagement and Team Motivation 09:04 Strengthening Company Culture 11:59 Building Trust Through Branding 12:57 Time Management for Remodelers 13:53 Transforming Marketing Strategies 15:20 Leadership and Team Management 17:17 Lessons from Entrepreneurship 18:14 Enhancing Client Satisfaction 20:08 Aging in Place Strategies 21:06 Sales Conversations and Storytelling 22:33 Balancing Business and Marriage

In this episode of the Global Investors Podcast, Manish Pushye shares how investing in small retail plazas became a core part of his long-term wealth strategy. From using real estate as an insurance policy against business risk to explaining why triple-net strip centers offer stable cash flow and flexibility, this conversation breaks down the mindset, structures, and lessons entrepreneurs need to build durable, diversified portfolios. We go deep into: • Why diversification is survival, not theory • How creative financing and seller carry replace cash scarcity • Why small strip centers often outperform large anchor-tenant retail • How triple-net leases externalize risk and stabilize cash flow • Why operating businesses should service debt, not real estate • The immigrant mindset of capital discipline, resourcefulness, and repetition • How investor trust is built by under-promising and protecting principal Learn More About Manish Here:  Awesome ROI - https://awesomeroi.us/ Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

Andrew, Ben, and Tom discuss Trump's Truth about defense companies, Apple's card moving to JPMorgan, and Constellation reports soft alcohol demand. Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

The 10 Minute Personal Brand Kickstart (FREE): https://the505podcast.courses/personalbrandkickstartWhat's up Rock Nation! Today we're joined by Robert Croak - the founder of Silly Bands and the mind behind one of the biggest consumer product phenomena of the last decade.Robert breaks down why speed beats perfection, how he bootstrapped a $100M+ brand by selling his car and keeping 100% equity, and the real lessons founders need to know about product-market fit, distribution, and timing. We also get into building wealth, avoiding lifestyle creep, and why now is the easiest time in history to build something massive.Check out Robert here:https://www.instagram.com/robertcroak/SUSCRIBE TO OUR NEWSLETTER: https://the505podcast.ac-page.com/rock-reportKostas' Lightroom Presetshttps://www.kostasgarcia.com/store-1/p/kglightroompresetsgreeceCOP THE BFIGGY "ESSENTIALS" SFX PACK HERE: https://courses.the505podcast.com/BFIGGYSFXPACKTimestamps: 0:00 - Intro1:14 - The Truth About Product Success3:00 - Why You Shouldn't Over-Protect Your Idea5:30 - How Timing Made Silly Bandz Blow Up8:12 - Bootstrapping vs. Raising Capital10:15 - How to Launch Physical Products in 202612:26 - Alibaba, Airsoft, and First Hustles14:35 - How He Built Wealth by 2418:09 - Focus vs. Multiple Streams of Income20:37 - Should You Bet Big on Real Estate?23:59 - Risking It All: Lessons Before Silly Bandz26:10 - Marketing Kids' Products the Right Way28:17 - Reviving Silly Bandz with TikTok30:08 - Scaling Chaos: Hiring 3,000+ in 12 Months33:52 - Retail Begged Us for Silly Bandz35:03 - DTC First, Retail Second36:45 - What Robert Looks for in Brands38:28 - How to Defend Against Copycats40:28 - The Video That Changed His Life43:40 - Why Robert Gives Everything Away44:51 - From Behind the Camera to Viral Creator47:44 - How to Be the First Millionaire in Your Family50:50 - Investing in Yourself (Without Going Broke)52:37 - The Credit Card Rule That Got Him Kicked Off a Tour54:15 - Real Mentorship in the Pre-Internet Era56:12 - Advice for Kids with Tough Upbringings58:26 – Post Pod DebriefIf you liked this episode please send it to a friend and take a screenshot for your story! And as always, we'd love to hear from you guys on what you'd like to hear us talk about or potential guests we should have on. DM US ON IG: (Our DM's are always open!) Bfiggy: https://www.instagram.com/bfiggy/ Kostas: https://www.instagram.com/kostasg95/ TikTok:Bfiggy: https://www.tiktok.com/bfiggy/ Kostas: https://www.tiktok.com/kostasgarcia/

Have you ever wondered if your HSA contributions could cause unexpected issues as you approach retirement? In this episode, I highlight potential risks and mistakes that individuals near or in retirement might encounter with their HSAs. Specifically around scenarios such as switching into an HSA plan mid-year, transitioning out of an HSA plan mid-year, and moving from an HSA plan to Medicare. 

Every year, Wall Street rolls out confident forecasts for where the S&P 500 will end the year—and every year those projections are treated as actionable insight. For 2026, analyst expectations cluster around modestly positive returns, even as valuations sit near historical extremes and macro risks continue to build. Lance Roberts & Michael Lebowitz explain why year-ahead market forecasts are largely an exercise in false precision. Instead of offering a price target with zero confidence, we walk through the key forces that are likely to shape markets in 2026—including stretched valuations, liquidity injections disguised as “reserve management,” the Federal Reserve leadership transition, midterm elections, fiscal uncertainty, AI-driven capital spending, tariffs, geopolitics, and rising sovereign debt risks. We also examine historical market behavior to provide perspective on drawdowns, winning streaks, and why valuations are a poor short-term timing tool but an excellent long-term risk signal. Finally, we discuss why flexibility, discipline, and risk management matter far more than guessing an index level twelve months in advance. If you are an investor trying to navigate uncertainty without relying on headlines or optimistic forecasts, this discussion provides the framework you need to think more clearly about markets in 2026. 0:00 - INTRO 0:19 - Betting on Anything, Healthcare Subsidies, HSA's, & Housing Bans 8:15 - Roll-of in Markets 12:42 - Guessing at 2026 Markets 20:35 - Think About the Known; Consider the Unknown 22:59 - Quantitative Easing & Chart Crime 25:09 - The Powell Exit & Midterm Elections 28:21 - Will Europe Keep Dumping Money into US Markets? 29:55 - AI Infrastructure Boom & New Technologies 32:02 - Our Process for Managing Market Rotations 35:14 - SCOTUS' Tariff Ruling & Trump's Plan-B 37:10 - Return of the Yen Carry Trade 38:50 - Smart Money Has Already Considered the Risks 42:08 - Don't Get Too Comfortable with Narratives Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=cQA10SrDk3s&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "2026 Forecast: Tis The Season For Wild Guesses" https://realinvestmentadvice.com/resources/blog/2026-forecast-tis-the-season-for-wild-guesses/ -------- The latest installment of our new feature, Before the Bell, "Sector Rotation Quietly Begins," is here: https://www.youtube.com/watch?v=l6zc2wXLn5o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Open Chat Q&A: Markets, Earnings, Taxes & Portfolio Strategy," here: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #SectorRotation #StockMarketNews #EconomicData #MarketVolatility #MarketOutlook2026 #StockMarketRisk #InvestorDiscipline #FedPolicy #ValuationsMatter

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Mychele Bisson, an RV park owner and investor. They discuss Bisson's journey from single-family home investments to RV parks, emphasizing the importance of preserving family-friendly campgrounds. Bisson shares insights on creative financing strategies, keys to business growth, and the significance of community building in the RV park industry. She also introduces her upcoming educational program aimed at helping others navigate RV park investments.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

2026 is the year to stop watching from the sidelines and start owning your financial future. In this video, Anthony O'Neal and Courtney Hale break down the exact investing plan for beginners, even if you're starting with $0. We'll cover how to set up your “buy the dip” fund, automate your investments, use your tax refund and bonuses the smart way, and calculate your “freedom number.” Plus, we'll talk about the faith and legacy moves that most people miss. If you're ready to break free from paycheck-to-paycheck living and build real wealth, this is your blueprint.Mentioned In Today's Show:- Start investing TODAY and open an account with $10: https://www.anthonyoneal.com/investABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

CES is always an exciting time in tech because new productions – both realistic and crazy – are introduced. This year, Uber and NVIDIA stole the headlines and we discuss what else we learned from the announcements at CES. Travis Hoium, Lou Whiteman, and Rachel Warren discuss: - Uber and Lucid's big reveal - NVIDIA's autonomy model - Lego's smart blocks - Duds at CES Companies discussed: Uber (UBER), NVIDIA (NVDA), Apple (AAPL). Host: Travis Hoium Guests: Lou Whiteman, Rachel Warren Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 446 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss 2026 predictions, the risk of a bear market, why valuations should be higher, why international stocks outperformed, recession risk in 2026, AI hallucinations, self-driving cars, Disney stock, where to find cheaper housing, an appreciation for Keanu Reeves and more. This episode is sponsored by YCharts. Subscribe to YCharts' Advisor Pulse, LinkedIn newsletter here: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7163920704407552000 And start your free YCharts trial through Animal Spirits (new customers only) at https://go.ycharts.com/animal-spirits Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Chief Fixed Income Strategist Vishy Tirupattur is joined by Dan Toscano, the firm's Chairman of Markets in Private Equity, unpack how credit markets are changing—and what the AI buildup means for the road ahead.Read more insights from Morgan Stanley.----- Transcript -----Vishy Tirupattur: Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. Today is a special edition of our podcast. We are joined by Dan Toscano, Chairman of Markets in Private Equity at Morgan Stanley, and a seasoned practitioner of credit markets over many, many credit cycles. We will get his thoughts on the ongoing evolution and revolution in credit marketsIt's Wednesday, January 7th at 10am in New York. Dan, welcome.Dan Toscano: Glad to be here.Vishy Tirupattur: So, to get our – the listeners familiar with your journey, can you talk a little bit about your experience in the credit markets, and how you got to where we are today?Dan Toscano: Yeah, sure. So, I've been doing this a long time. You used the nice word seasoned. My kids would refer to it as old. But I started in this journey in 1988. And to make a long story short, my first job on Wall Street was buying junk bonds in the infancy of the junk bond market, when most of what we were financing were LBOs. So, if you're familiar with Barbarians at the Gate, one of the first bonds we bought were RJR Nabisco reset notes. And I've been doing this ever since, so over almost four decades now.Vishy Tirupattur: So, the junk bond market evolved into high yield market, syndicated loan market, CLO market, financial crisis. So, talk to us about your experiences during this transition.Dan Toscano: Yeah. I mean, one of the things these markets do is they finance evolution in industries. So, when I think back to the early days of financing leveraged buyouts, they were called bootstrap deals. The first deal I did as an intermediary on Wall Street as opposed to as an investor, was a buyout with Bain Capital in 1993. At the time, Bain Capital had a $600 million AUM private equity platform. Think about that in the scale of what Bain Capital does in private equity today. You know, back then it was corporate carve outs, and trying to make the global economy more efficient. And you remember the rise of the conglomerate. And so, one of the early things we financed a lot of was the de-conglomeration of big corporates. So, they would spin off assets that were not central to the business or the strengths that they had as an organization.So, that was the early days of private equity. There was obviously the telecom build out in the late 90's and the resulting bust. And then into the GFC. And we sit here today with the distinctions of private capital, private credit, public credit, syndicated credit, and all the amazing things that are being financed in, you know, what I think of as the next industrial revolution.Vishy Tirupattur: In terms of things that have changed a lot – a lot also changed following the financial crisis. So, if you dig deep into that one thing that happened was the introduction of leveraged lending guidelines. Can you talk about what leveraged lending guidelines did to the credit markets?Dan Toscano: Yeah, I mean, it was a big change for underwriters because it dictated what you could and couldn't participate in as an underwriter or a lender, and so it really cut off one end of the market that was determined by – and I think the thing most famously attributed to the leveraged lending guidelines was this maximum leverage notion of six times leverage is the cap. Nothing beyond that. And so that really limited the ability for Wall Street firms to underwrite and distribute capital to support those deals.And inadvertently, or maybe by plan, really gave rise to the growth in the private credit market. So, when you think about everything that's going on in the world today, including, which I'm sure we'll talk about, the relaxation of the leveraged lending guidelines, it was really fuel for private credit.Vishy Tirupattur: So private credit, this relaxation that you mentioned, you know, a few weeks ago, the FDIC and the OCC withdrew the leveraged lending guidelines in total. What do you expect that will do to the private credit markets? Will that make private credit market share decrease and bank market share increase?Dan Toscano: I think many people think of these as being mutually exclusive. We've never thought of it that way. It exists more on a continuum. And so, what I think the relaxation of those guidelines or the elimination of those guidelines really frees the banks to participate in the entire continuum, either as lenders or as underwriters.And so, in addition to the opportunity that gives the banks to really find the best solutions for their clients, I think this will also continue the blurring of distinctions between public market credit and private market credit. Because now the banks can participate in all of it. And when you think about what defines in people's minds – public credit versus private credit, in many cases it's driven by what terms look like. Customary terms for a syndicated bond or loan versus a private credit loan.Also, who's participating in it. You know, these things have been blurring, right? There's a cost differential or a perceived cost differential that has been blurring for some time now. That will continue to happen, in my opinion anyway.Vishy Tirupattur: I totally agree with you, Dan, on that. I think not only the distinction between public credit and private credit, but also within the various credit channels – secured, unsecured, securitized, structured – all these distinctions are also blurring. So, in that context, let's talk a little bit more about what private credit's focus has been and where private credit focus will be going forward. So, what we'll call private credit 1.0. Focused predominantly on lending to small and medium-sized enterprises. And we now see that potentially changing. What is driving private credit 2.0 in your mind?Dan Toscano: Well, the elephant in the room is digital infrastructure. Absolutely. When you think about the scale of what is happening, the type of capital that's required for the build out, the structure you need around it, the ability to use elements of structure. You mentioned several of them earlier. To come up with an appropriate risk structure for lending is really where the market is heading. When you think about the trillions of dollars that we anticipate is needed for the technology industry to complete this transformation – not just around digital infrastructure, but around everything associated with it.And the big one I think of most often is power, right? So, you need capital to build out sources of power, and you need capital to build out the data centers to be able to handle the compute demand that is expected to be there. This is a scale unlike anything we have ever seen. It is the backbone of what will be the next industrial revolution.We've never seen anything like this in terms of the scale of the capital needed for the transformation that is already underway.Vishy Tirupattur: We are very much on board with this idea as well, Dan, in terms of the scale of the investment, the capital investment that is needed. So, when you look ahead for 2026, what worries you about the ind ustrial revolution financing that is underway?Dan Toscano: Given all that's going on in the world, this massive capital investment that's going on globally around digital infrastructure, we've never seen this before. And so, when I look at the capital raising that has been done in 2025 versus what will be done in 2026, I think one of the differences that we have to be mindful of is – nothing's gone wrong while we were raising capital in 2025 because we were very much in the infancy of these buildouts. Once you get further into these buildouts and the capital raises in 2025 that are funding the development of data centers start to season, problems will emerge. The essence of credit risk is there will be problems and it's really trying to predict and foresee where the problems will be and make sure you can manage your way through them.That is the essence of successful credit investing. And so there will definitely be issues when you think about the scale of the build out that is happening. Even if you look just in the U.S., where you need access to all sorts of commodities to build out. And you know, people focus on chips, but you also need steel and roofing, and importantly labor.And as we talk to people about the build outs, one of the concerns is supply of labor supply and cost of labor. So, when you run into situations where maybe a project is delayed a bit, or the costs are a bit more than what was expected, there will be a reaction. And we haven't had that yet. We will start to see that in 2026 and how investors and the markets react to that, I think will be very important. And I'm a little bit worried that there could be some overreaction because people have trained themselves in 2025 to think of like, ‘I'm operating in a perfect environment,' because we haven't really done anything yet. And now that we've done something, something can and will go wrong. So, you know, we'll see how that plays out.I am very fixated in 2026 on the laws of supply and demand. When I think about what's going on right now, we usually have visibility on demand. And we usually have some level of visibility on supply. Right now, we have neither – and I say that in a positive way. We don't know how big the demand is in the capital world to fund these projects. We don't know how big that can be. And almost with every passing day, the supply – and what we're hearing from our clients about what they need to execute their plans – continues to grow in a way that we don't know where it ends. And the scale, we're talking trillions of dollars, right? Not billions, not millions, but trillions.And so, I look at that – not so much as something I worry about, but something I'm really curious about. Will we run out of money to fund all of the ambitions of the Industrial Revolution? I don't think so. I think money will find great projects, but when you think about the scale of what we're looking at, we've never seen anything like it before. And it will be fascinating to watch as the year goes on.Vishy Tirupattur: Thanks Dan. That's very useful. And thanks for taking the time to speak to us and share your wisdom and insights. Dan Toscano: Well, it's great to be here.Vishy Tirupattur: And to our audience, thanks for listening. If you enjoyed the show, please leave us a review wherever you listen and share thoughts on the market with a friend or colleague today

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

As the new year begins, Roger Whitney launches a new Retirement Plan Live case study, introducing Henry and Lucy, a couple in their mid-40s pursuing Financial Independence and Retire Early (FIRE). Roger revisits the 4% rule as a planning heuristic, explains when it can be helpful, and sets the stage for a live community analysis later this month. The episode closes with a Smart Sprint focused on updating your net worth statement and a listener's word for 2026.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(00:30) Roger introduces a new Retirement Plan Live case study series and previews the upcoming live community meetup on January 29.RETIREMENT TOOLKIT(01:58) Roger revisits the 4% rule, explaining what it is, where it came from, and why it is often misunderstood.(04:55) Roger talks about the 25x rule commonly used in the FIRE community.(06:38) He discusses the drawbacks of using these heuristics and who they are best used for.(11:05) Roger shares how the 4% rule can help overfunded retirees move beyond scarcity and spend more intentionally.(13:55) A breakdown of FIRE- Financial Independence, Retire Early.RETIREMENT PLAN LIVE(17:41) Roger introduces Henry and Lucy.(20:01) They share how they discovered FIRE and what it means to them.(23:10) Lucy reflects on spending habits, saving, and budgeting(25:30) Henry talks about the start of their relationship.(28:12) Henry and Lucy discuss how saving impacted their lifestyle.(31:20) They discuss what drives their desire to retire early.(32:55) Roger reflects on his first impression of the FIRE Movement.(34:15) What are the obstacles of retiring so early?(38:45) Roger talks about the difference between a complicated problem and a complex problem.(40:35) Roger asks if they think about landmines that could pop up with such a long retirement.(43:57) Roger invites listeners further along the retirement path to share perspective and advice for their 40-something selves.SMART SPRINT(45:20) Roger encourages listeners to update their end-of-year net worth statement and identify trends for the year ahead.WORD OF THE YEAR(47:31) Listener Lindsay shares her word for 2026: Listen, and Roger reflects on the value of deep listening.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManLivewithroger.comThe Millionaire Next Door: The Surprising Secrets of America's Wealthy- Thomas J Stanley, Ph.D.

Most investors believe patience protects them—but in uncertain markets, hesitation often becomes the most expensive decision they make.Periods like this don't reward confidence or optimism. They reward preparation, discipline, and the ability to act while others are frozen by fear. That tension sits at the center of this conversation.If you're serious about navigating cycles like this with more clarity and support, the real work happens inside the Tribe of Titans multifamily investing community—where operators go deeper on capital strategy, deal decisions, and asset management in real time.

When clients feel understood, everything gets easier. When they don't, even the best advice falls flat. In this solo episode, I break down three lessons we can borrow from good doctors that make a huge difference in your meetings as an advisor.Just like in medicine, the best advisors don't rush to solutions. They slow down, ask better questions, and explain things in a way people can actually follow. I'll walk through why diagnosing before you prescribe matters, how your “bedside manner” shows up in financial conversations, and why a real plan is something you build with clients over time—not something you hand them once and hope for the best.If you've ever left a meeting thinking, “I know I gave them good advice, so why didn't it land?” these three simple ideas will help you connect better, simplify your process, and create a better experience for every person you serve.3 of the biggest insights from Brad Johnson…1.) Diagnose Before You PrescribeClients don't want another advisor pushing their “favorite product.” They want someone who seeks to understand—who asks layered questions, listens deeply, and helps both spouses feel heard. This is the foundation of trust and the secret behind higher conversions.2.) Simplify the Complex with Better Bedside MannerPlanning jargon and 80-page printouts don't impress clients—they overwhelm them. The advisors who win are the ones who translate complexity into simple, relatable frameworks and make clients feel comfortable, safe, and cared for.3.) Build a Planning Journey, Not a One-Time PlanDelivering a plan is not the finish line, it's the starting line. When you walk clients through decisions one step at a time and commit to ongoing planning, you avoid overwhelm, deepen your relationship, and increase lifetime value.SHOW NOTEShttps://bradleyjohnson.com/150FOLLOW 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. TP12254981392See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this time-limited episode, I'll share why Happen To Your Career is opening its first-ever investment round to expand coaching, fight burnout, and help millions build careers by design, not default.

On episode 204 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Bill Sweet to discuss the worst time to buy a house, going full Roth, is margin a good idea, when are Roth conversions worth it, traditional vs Roth 401(k) and more. Submit your Ask The Compound questions to ⁠askthecompoundshow@gmail.com⁠! This episode is sponsored by Public. Find out more at https://public.com/ATC Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For first-time listeners, welcome! In this opening episode of the year, Paul Merriman—founder of the Merriman Financial Education Foundation—looks back at 2025 to uncover what the markets taught us and how those lessons can help do-it-yourself investors make better decisions going forward.Despite endless predictions about what markets should do, Paul reminds us that his role isn't to forecast the future—but to help investors understand risk, return, and how to build portfolios they can truly stick with.In this episode, Paul explores:A surprising result from the “Magnificent Seven” stocksWhy diversification mattered more than ever in 2025How different equity asset classes really performedWhat 56 years of data (1970–2026) tells us about staying the courseWhy portfolio structure matters far more than chasing winnersTwo very different—but valid—approaches to fixed income investingIf you want perspective instead of predictions—and data instead of hype—this episode is a powerful way to start the year.

Crypto News: Wall Street giant Morgan Stanley files for bitcoin and solana ETFs. Walmart has launched Bitcoin and ETH trading via its OnePay app. Jupiter launches JupUSD stablecoin backed by BlackRock's BUIDL fund.Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

If you had told Vinney Chopra 45 years ago that one small investment decision would change every part of his life, he wouldn't have believed it. In this heartfelt episode, Vinney shares the moment it all began—hands shaking, fear present, but courage stronger. What followed wasn't just a billion-dollar real estate portfolio, but something far more meaningful: freedom. Freedom of time, peace of mind, family security, and the joy of helping thousands of investors build passive income, financial confidence, and lasting legacies. From empowering accredited investors through syndications, to creating dignified senior living communities, meaningful jobs, and tax-advantaged wealth, Vinney reflects on how investing—done the right way—creates impact far beyond money. This episode is for anyone wondering if investing can truly change their life. The answer is yes—predictably, intentionally, and beautifully—starting with one decision. Ready to take that first step toward freedom and abundance? Book a complimentary 20-minute strategy call with Vinney (Smile

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.