Podcasts about Investment

In this solo back-to-basics episode, Axel steps away from the AI and current events conversations that have dominated recent episodes to refocus on the real estate underwriting process. He breaks down the entire game of value creation in real estate into one simple equation, using clear numeric examples that any investor can apply regardless of asset class or market.Axel walks through the three-step framework for quality real estate investing: finding an undervalued deal, assessing whether continued investment can generate a meaningful spread over your all-in cost, and financing the deal in a way that matches the business plan. This episode is essential listening for any investor — new or experienced — who wants a clear, simplified gut-check framework for evaluating whether a deal actually creates value, independent of rent growth projections or cap rate compression assumptions.Join us as we dive into:Why understanding the current market cap rate for your specific asset class and submarket is the non-negotiable starting point for any underwriting exercise.How to interpret that 9% yield on cost depending on whether the market cap rate is 9% (no value created) or 7% (significant value created).Why Axel and his team target an 8.5%+ yield on cost in a 7% cap environment — a 150 basis point spread — across Southern New Hampshire and the Greater Boston periphery.Why the same 150 basis point spread creates more value in a lower cap rate market than a wider spread does in a higher cap rate market.Why a deal with a 12% yield on cost in a 10% cap market actually creates less value than a deal with a 6.5% yield on cost in a 5% cap market, despite the spread looking similar.How to gut-check a multi-year cash flow model: calculate your yield on cost at stabilization and compare it against the market cap rate at that point in the hold period.Why a thin or non-existent spread between yield on cost and market cap rate signals that your returns are dependent on rent growth or cap rate compression — both riskier bets than underwriting a real spread on day one.Are you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.Connect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners

In this LP Deal Review, Chris Lopez is joined by Adam Cranmer and Christy Burakovsky to evaluate CL Fund III from Central Lending, a private credit fund focused on short-term residential real estate loans for fix-and-flip, ground-up construction, and small-balance investor projects. Andrew Boccia and Heather Dreves walk through Central Lending's lending model, portfolio composition, underwriting process, use of leverage, investor share classes, and how the fund sits between traditional fixed-income strategies and higher-upside real estate syndications. The conversation gets into why Central Lending focuses on smaller loan sizes, how it uses third-party valuations, what it tracks across borrower experience and credit quality, and why fraud detection has become a major part of private credit underwriting. The LP panel then digs into the questions passive investors should be asking before investing in a debt fund: how loans are valued, what happens when a borrower defaults, how draw management can reveal problems before maturity, whether loan tapes and audited financials are available, how leverage impacts returns and risk, and what investors should understand about redemptions. For LPs evaluating private credit, this episode offers a practical look at what sits behind headline yield: underwriting discipline, loan-level monitoring, loss mitigation, liquidity management, and alignment between the fund manager and investors. Key Takeaways How Central Lending underwrites private credit deals across current cost, collateral value, final cost, and after-repair value Why borrower experience, draw activity, and communication can be early indicators of loan performance How the fund uses third-party valuations, internal QC, and fraud detection to manage risk across multiple states The difference between equity members and note holders, including return structure, payout timing, and priority in the waterfall How origination fees, extension fees, leverage, and loan sales can contribute to fund-level returns Why redemption policies matter in debt funds and how managers balance investor liquidity with protecting the fund as a whole Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

What if your business could reduce costs, improve efficiency, and make a positive impact on the world at the same time? In this conversation, entrepreneur and sustainability advocate Anand Verma shares his journey from India to the UK, building businesses at the intersection of technology, AI, and environmental responsibility. Along the way, he reveals why sustainability isn't just good for the planet—it's a smart business strategy. You'll learn how clear communication, intentional leadership, and a growth mindset can help entrepreneurs navigate challenges, seize opportunities, and create lasting success. Whether you're a small business owner, aspiring entrepreneur, or simply curious about the future of business, this episode will challenge the way you think about profitability, innovation, and impact. About Anand Verma In 2019, Anand made a commitment to fighting climate change issues and applying the power of design, data and AI to take actions. Anand is the Founder and CEO of ExpectAI and is committed to helping companies decarbonise, profitably with the power of big data and AI. Learn more about ExpectAI website Connect with Anand on LinkedIn   If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes   CONNECT WITH CHRISTINA! Instagram LinkedIn Christinalecuyer.com Book a Free Clarity Call Book Christina For Your Next Workshop

Prince Andrew's use of public money has long been a flashpoint for criticism, reflecting the uneasy tension between royal privilege and public accountability. During his tenure as the UK's Special Representative for International Trade and Investment, Andrew racked up hundreds of thousands of pounds in taxpayer-funded travel and hospitality expenses each year—lavish costs that raised questions about whether his “official duties” were serving the nation or himself. His entourage's frequent flights, luxury accommodations, and extravagant spending on overseas visits came under fire in Parliament, with critics accusing him of behaving like a jet-setting businessman rather than a public servant. When revelations about his ties to Jeffrey Epstein emerged, those same spending habits were revisited as evidence of a pattern—public resources used to sustain private indulgence.The controversy deepened with his legal settlement with Virginia Giuffre in 2022, reportedly worth millions of pounds. While Buckingham Palace and HM Treasury insisted no public funds were used to pay it, the lack of financial transparency around royal income fueled public skepticism. Critics noted that Andrew's security, property maintenance, and other royal benefits remain covered by taxpayer money—despite his “retirement” from public duties. His finances remain shrouded in secrecy, prompting ongoing calls for an official register of royal interests and expenditures. For many, Andrew has come to symbolize the problem of unchecked privilege: a man shielded by the institution even as he drained the public purse.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Takeaways The consumption of cold coffee has significantly increased. Cold coffee beverages have become a focal point for brands. Cold brew and iced coffee are distinct products. Coffee milk is a traditional beverage in Rhode Island. The market for cold coffee is expanding rapidly. Investment in cold coffee has surged in recent years. Cold brew production requires specific equipment and processes. The rules around cold brew are not clearly defined. The future of cold coffee looks bright with ongoing innovations. Cold coffee is a viable product that is here to stay. American coffee culture is often criticized for its reliance on sugar and artificial flavors. There is a growing demand for purist cold coffee products, especially from international markets. Espresso is considered the purest form of coffee, and its quality is paramount. Coffee can serve as an effective pre-workout beverage, tapping into the health and wellness market. The ready-to-drink coffee market is saturated, but there are still opportunities for unique branding. Innovative branding, like that of Liquid Death, can help coffee brands stand out in a crowded market. Cold brew coffee has distinct flavor profiles that differ from flash brewed coffee. There is potential for cold brew-only brands to thrive in the current market. Coffee businesses must acknowledge the public's love for cold coffee to succeed.     Part of The Covoya Coffee Podcasting Network TAKE OUR LISTENER SURVEY Visit and Explore Covoya!

A rise in unmet need and an on-going lack of investment in Māorimental health services could compromise outcomes for tangata whenua. That is according to the Mental Health and Wellbeing Commission, which is calling for an urgent Maori-specific plan by mid-next year. Mental Health and Wellbeing Commission CEO Karen Osborn spoke to Lisa Owen.

The Gavel Podcast is the official podcast of Sigma Nu Fraternity, Inc., and is dedicated to keeping you updated on the operations of the Legion of Honor and connecting you to stories from our brotherhood.  To find out more from the Fraternity, you can always check out our website at www.sigmanu.org. Also consider following us on: Facebook | Instagram | LinkedIn | YouTube | Flickr Have feedback or a question about this episode? Want to submit an idea for a future topic you'd like to see covered? Contact the Gavel Podcast team at news@sigmanu.org.  Hosts for this Episode Christopher Brenton - Beta Tau Chapter (North Carolina State) Alumnus and Sigma Nu Fraternity's Director of Communications Guest for this Episode Michael Manoogian - Lambda Epsilon Chapter (Texas Christian) Alumnus. Head of Sales for STOMP Athletics, who recently appeared on Season 17 of ABC's Shark Tank. Episode References STOMP Athletics - Click to visit the company's website General Resources Read The Delta - Check out the latest issue of the Fraternity's magazine, The Delta of Sigma Nu. Prospective Member Referral - Do you know a young man who would be an ideal candidate for Sigma Nu? Please submit a membership referral. Employment and Staff Hiring Resources - If you are interested in learning more about working for the Fraternity as a consultant. Please visit the employment webpage for resources and access to the position application. The application deadlines are October 15 and March 1. Applications are accepted on a rolling basis. Contact Scott Smith at scott.smith@sigmanu.org for more information. Become a Volunteer - Learn more and take the next steps to become a volunteer for the Fraternity. Establish or Serve an Alumni Chapter - Learn more about how to help establish and maintain an Alumni Chapter. Organize an Alumni Club - Learn more about how to become engaged with or set up an Alumni Club. Donate to the Sigma Nu Educational Foundation - Give a gift to help advance the Fraternity's honorable Mission.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3597: Christina Browning explains how a high savings rate, combined with long-term investing and compound growth, can dramatically shorten the path to financial independence. By breaking down the 4% Rule with practical examples, she shows how reducing expenses and increasing investments can make retiring in under ten years a realistic goal for some households. Read along with the original article(s) here: https://www.ourrichjourney.com/post/how-to-retire-in-under-ten-years Quotes to ponder: "The key to retiring in less than ten years is all about increasing your savings rates." "Whatever method you choose, the goal should be to increase your savings rate by as much as possible." "The point is that by increasing your savings rate, you are propelling yourself closer to FIRE." Episode references: Financial Independence, Retire Early (FIRE): https://en.wikipedia.org/wiki/FIRE_movement The Trinity Study: https://en.wikipedia.org/wiki/Trinity_study Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin Coomes, Chief Revenue Officer at Chain and George Schergen, Chief Client Officer (CCO) at Dynamic Logistix, explain how Kansas City evolved from a railroad crossroads into one of freight's most important warehouse and logistics hubs. They also break down why AI won't replace freight operators, and which companies are best positioned to benefit from the next wave of automation.This week's episode is sponsored by  Levity, HighwayInterested in sponsoring our podcast? Send us an email at pbj@freightcaviar.com.

Andy Stumpf is a retired Navy SEAL, world-record-holding wingsuit BASE jumper, martial artist, and author. We discuss the mental framework and moment-to-moment decision-making process that can allow anyone to build discipline and resilience and better navigate both everyday life and life's most challenging moments. Andy explains several simple-yet-powerful tools gleaned from his time in — and after — his SEAL career that can help you determine where to focus your actions and how to clear your mind of things you can't control or that hold you back mentally. Andy also shares and reflects on lessons learned from some of the deeply personal challenges he faced outside of combat and freefall. Finally, we explore the all-too-frequent tragedy of people — including high performers — taking their own lives, and consider what might be done to prevent more such losses. Thank you to our sponsors AG1: https://drinkag1.com/huberman Our Place: https://fromourplace.com/huberman Wealthfront*: https://wealthfront.com/huberman Function: https://functionhealth.com/huberman Joovv: https://joovv.com/huberman Timestamps (00:00:00) Andy Stumpf (00:03:09) Protocols Book (00:04:06) Nagging Thoughts, Tool: Determine Influence vs Concern (00:10:14) Social Media, Screen Time Discipline (00:17:01) Sponsors: Our Place & Wealthfront (00:20:11) Social Media Addiction, Young Adults, Rebellion, Alcohol (00:27:38) Alcohol & Social Experiences; Cannabis; Ice Bath (00:36:07) Skydiving, Wingsuit Flying (00:41:47) Sponsor: AG1 (00:43:06) Skydiving, BASE Jumping, Wingsuit Flying; Navy (00:55:25) Danger & Fear, Wingsuit Flying Risk, Death (01:03:04) Divorce, Imperfection; Parenting Kids in Divorce (01:12:16) Sponsor: Function (01:13:55) Parents' Divorce (01:19:38) Long-Term Flow State, Focus, Adrenaline; Time Perception (01:30:58) Toilet Paper, Shortcuts, Tool: Do the Slightly Harder Choice (01:37:11) Micro-Discipline, Doing the Harder Thing, Tenacity & Super-Agers (01:48:00) Sponsor: Joovv (01:49:12) Physical & Mental Pain, Discussing Pain; Dogs (02:00:45) Suicide, Self-Talk, Isolation, Alcohol (02:11:52) Top Performers, Suicide; Ibogaine; Military, Trauma (02:21:36) Trauma & Healing, Exploring Other Possibilities, Control (02:28:57) Disciplined Acts, Choosing the Slightly Harder Option (02:35:20) Current Projects, Project Choice (02:41:48) Price of Success, Happiness, Money (02:53:09) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Social Media, Neural Network Newsletter *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Andrew Huberman receives cash compensation from Wealthfront Brokerage for paid testimonials in his podcast, creating a conflict of interest. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.05% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Additional terms and conditions apply, which can be found on Wealthfront.com/Huberman. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Eric Fine from VanEck to discuss: how emerging markets have changed, geopolitical risk, currencies, AI and more.  Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Important Disclosures from VanEck: https://www.vaneck.com/us/en/talk-your-book-vaneck-disclosures-june-2026/ EMBX Performance: https://www.vaneck.com/us/en/investments/emerging-markets-bond-etf-embx/performance/ Past performance is no guarantee of future results. Investment return and principal value will fluctuate; shares may be worth more or less than original cost when redeemed. Current performance may be lower or higher. Call 800.826.2333 or visit vaneck.com for month-end performance. Investing involves substantial risk and high volatility, including possible loss of principal. Visit vaneck.com to read and consider the prospectus, containing the investment objective, risks, and fees of the fund, carefully before investing.   Van Eck Securities Corporation, Distributor Learn more about your ad choices. Visit megaphone.fm/adchoices

On May 7th, my world changed when I lost my 6.5-pound Chihuahua, Ethel Mertz. She was my everything, and her absence left a massive void. In this deeply personal episode, I share my journey of crawling my way back into life after profound loss. Grief is a bald-headed monkey in a bad wig—it's ugly, it's chaotic, and it shows up uninvited—but healing comes when we choose to keep going anyway. The Art of the "Off" Switch In this episode of TNFro is Reading, Felicia Baxter moves beyond the hustle culture narrative to explore the necessity of radical rest. We're stepping away from the screens and into the "Soul of the Valley"—a curated, luxury retreat experience designed specifically for leaders who are tired of managing everyone else's needs but their own. Felicia breaks down the philosophy of finding a "softer altitude," the power of intentional unplugging, and the details of her upcoming all-inclusive immersion at The Glamping Collective. What You'll Learn Why Rest is a Leadership Skill: How constant "on" behavior leads to diminishing returns and why intentional downtime is non-negotiable for high performers. The "Soul of the Valley" Experience: A look inside a transformative weekend featuring private luxury dome accommodations, restorative sound baths, and guided mindfulness workshops. Curated Culinary Healing: A preview of the farm-to-table menu designed to nourish the soul, featuring local Chattanooga flavors. Investment in Self: Understanding the value of an all-inclusive, curated sanctuary versus a standard vacation. Episode Details Retreat Location: The Glamping Collective (Chattanooga, TN) Total Investment: $3,250 per guest (All-inclusive) Booking Requirement: 50% non-refundable deposit ($1,625) to secure your dome. Call to Action: Ready to hit the "off" switch? Check the links below to secure your spot or join the waitlist for our upcoming Fall retreat. #TNFroIsReading #SoulOfTheValley #LeadershipBurnout #RestIsRadical #LuxuryRetreat #ChattanoogaWellness #MindfulLeadership #UnplugAndRecharge #GlampingCollective #ExecutiveWellness #SelfCareForLeaders #SoftAltitude   The reading list for the Soul of the Valley retreat focuses on wellness and healing, featuring books that are lighter in tone but deeply immersive. The selected books, “It's Complicated” by Terry McMillan and “Singing in the Comeback Choir” by B.B. Moore Campbell, align with the retreat's theme of renewal and reconnection, offering uplifting and engaging narratives.   “Heart and Hustle, Houston” is a docuseries produced by Jesse Collins Entertainment that showcases the lives of six successful women in Houston. The show delves into their personal and professional struggles. Amanda Boulo's downfall on Summer House is examined, revealing her manipulative and abusive behavior towards Kyle. Her privileged background allowed her to play the victim and weaponize her pain, ultimately leading to her calculated betrayal of Sierra Miller for Wes Wilson. This act exposed her true nature and alienated her from former allies like Paige. Get Your Brew: Grab your single-origin or multi-origin sample packs at FBRoasters.com. The Reading List: Start exploring the retreat reading list at the Far From Beale Street bookshop. Join the Retreat: Secure one of the 10 exclusive spots for the Valley of the Soul Retreat by visiting the webpage https://www.dalesangelsinc.com/soul-of-the-valley/ What books should I add to the retreat reading list? Drop your suggestions in the comments below! Read more about AfroDruid Magic Elixir https://linktr.ee/tnfroisreading #Podcast #GriefIsABaldHeadedMonkey #GriefAndHealing #WellnessReset #GratefulHeart #RhythmOfRenewal #MorningRituals #FBRoasters #FarFromBealeStreet #ValleyOfTheSoulRetreat #GlampingCollective #ChattanoogaWellness #AfroDruid #DogMom #EthelMertz #SeatedZumba #IntentionalLiving  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3596: Jessica Jokisch explores the hidden side of financial growth, arguing that increasing wealth requires stronger leadership, smarter delegation, and a willingness to upgrade old habits. She shows that lasting prosperity depends not just on earning more, but on developing the mindset and systems needed to protect and sustain it. Read along with the original article(s) here: https://www.christineluken.com/more-money-means-more-responsibility/ Quotes to ponder: "More money means more responsibility, not just more fun. If you want to grow and keep your wealth, it comes with more responsibility. They're a package deal!" "Every time we ascend to new levels of success, income, or net worth, we're faced with new fears and money blocks. As the saying goes, “New level, new devil!”" "With great power (and wealth!) comes great responsibility. Those who embrace it will build an empire and create a legacy." Episode references: TurboTax: https://turbotax.intuit.com/ Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we pull back the curtain on Amelia's newest acquisition: an 11-unit apartment building in a B+ suburb of Des Moines. This candid conversation is packed with insights for female real estate investors who want to scale beyond single-family rentals without taking on 100-unit syndications. You'll hear how Amelia: Spotted this off-market CBRE pocket listing and knew instantly it was a killer deal Analyzed the numbers, negotiated the price from $750K to $735K, and structured a 50/50 partnership with her mom Plans to boost returns by converting select units to mid-term rentals (MTRs) for traveling nurses Uses local market expertise, not endless spreadsheets, to move fast and confidently Projects over $200K in debt paydown, $160K in appreciation, and $308K in cash flow over 10 years We also dive into: Why sticking to one market can be your biggest competitive edge How to balance risk, reserves, and anxiety as you level up What “total return” really means for your net worth and lifestyle design If you're a woman ready to grow from a few doors to a scalable portfolio, this episode shows you exactly how one thoughtful 11-unit deal can be life-changing.     Resources: Book your spot at WIIRE Summer Camp before it fills up Simplify how you manage your rentals with TurboTenant Make sure your name is on the list to secure your spot in The WIIRE Community  Leave us a review on Apple Podcasts Leave us a review on Spotify Join our private Facebook Community Connect with us on Instagram

Is now a good time for pilots to buy a home, or does it make more sense to wait?In this episode of The Pilot's Portfolio, Timothy P. Pope, CFP® welcomes back Kevin Walker, and Jade Barnett, respectively CEO and COO of Beacon Relocation, for a mid-year housing market check-in.Tim, Kevin, and Jade revisit earlier real estate forecasts and discuss how today's market is actually playing out, from higher mortgage rates and shifting buyer behavior to softer pricing in select markets like Florida.The conversation also covers why waiting for lower rates or prices may not always pay off, what “marry the property, date the rate” really means, and how pilots should think about buying a home within the bigger picture of cash flow, family needs, retirement savings, and long-term financial planning.What You'll Learn from This EpisodeThe market is not behaving the same everywhere. Some regions are seeing softening, but buyers should not assume every seller is willing or able to take a major discount.Florida is one of the clearest examples of market pressure because insurance costs have changed the affordability picture for many buyers.Waiting can be expensive. If a buyer is paying rent while waiting for a major home price drop, they need to compare the potential savings against the actual cost of delaying.Mortgage rates may not return to the unusually low levels buyers remember from recent years. Pilots should build their plan around today's numbers first, then look for opportunities to refinance later if rates improve.The purchase price still matters most. A refinance may change the rate later, but the buyer still needs to buy a home that fits their budget, cash flow, and long-term plan.New construction can offer real opportunities, especially when builders provide incentives or rate buy-downs. But buyers need to look closely at future property taxes, HOA costs, and lender requirements.Representation matters. Even with new construction, the builder's agent usually represents the builder, not the buyer.In multiple-offer situations, buyers should know their number before emotions take over. The goal is to make an offer they can live with whether they win or lose.Family support is becoming more common as the average first-time homebuyer age rises. But gifted funds, inherited assets, and crypto proceeds need to be coordinated with the lender early.Real estate can be a powerful wealth-building tool, but the timeline matters. If a buyer does not expect to stay in the home for at least several years, the numbers deserve extra scrutiny.Resources:Visit https://www.beaconrelocation.com/Schedule An AppointmentOur Practice's WebsiteSend Us Your Questions: info@pilotsportfolio.comThis episode is sponsored by: Beacon RelocationBeacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent's commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot's Portfolio, in its separate and individual capacity.We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

Warum fällt es uns manchmal so schwer, einfach anzufangen?Podcast-Host Vera Strauch wirft einen Blick auf unsere inneren und äußeren Barrieren und plädiert für mehr Mut zum Unperfekten. Mit 5 konkreten (winzigen, aber überraschenden) Schritten kommst du sofort ins Handeln und lernst, wie du den inneren Schweinehund im Alltag ganz liebevoll überlistest. Das Beste daran: Dafür braucht es kein großes Investment und keine stundenlanges Überlegen.

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Interview with Kyle Floyd, CEO of Vox Royalty Corp.Our previous interview: https://www.cruxinvestor.com/posts/from-one-asset-to-eight-how-vox-royalty-tsxvoxr-is-building-a-cash-generating-royalty-powerhouse-7187Recording date: 10th June 2026Vox Royalty Corp reported a record-setting first quarter in 2026, underscoring a period of accelerating growth driven by both strategic acquisitions and a strong gold price environment. The company generated $16 million in royalty receipts, alongside record operating cash flow and earnings per share exceeding $0.30. Management attributed this performance largely to a $60 million portfolio acquisition completed in September 2025, which added high-quality royalty assets that have since benefited from operational improvements and rising commodity prices.Building on this momentum, Vox introduced its first long-term financial outlook, projecting annual royalty receipts of approximately $66 million by 2030—nearly double its current guidance range of $32–$37 million. Notably, this forecast is based բացառively on existing assets, excluding potential upside from future acquisitions or the resolution of ongoing litigation related to the Red Hill royalty.A central element of Vox's investment case is its perceived valuation gap. The company currently trades at roughly $300 per gold equivalent ounce (GEO), significantly below peers such as Triple Flag and Franco-Nevada, which trade closer to $1,200 and $1,800 per GEO, respectively. Management argues this discount is difficult to justify given Vox's reported 28% return on invested capital and growing production base.Financially, the company remains well positioned, with no debt, available credit of up to $75 million, and a disciplined acquisition strategy focused on under-the-radar, pre-production royalties. Near-term catalysts include potential mine life extensions, ongoing drilling activity across its portfolio, and the possible unlocking of the Los Filos stream—acquired for a nominal cost but potentially worth up to $50 million.Overall, Vox Royalty presents a growth profile anchored in existing assets, with management emphasizing both operational execution and valuation re-rating potential.View Vox Royalty's company profile: https://www.cruxinvestor.com/companies/vox-royaltySign up for Crux Investor: https://cruxinvestor.com

In this episode, we look at three forces that can shape—or sabotage—an investor's long-term success: exciting investment stories, nonstop financial headlines, and everyday money habits. From the hype around companies like SpaceX to the emotional pull of market news, we discuss why compelling stories and breaking headlines don't always translate into smart portfolio decisions. We also explore the quiet habits that can help build wealth over time, including saving consistently, avoiding lifestyle creep, automating good decisions, and staying focused on a long-term financial plan. The big takeaway? Successful investing usually isn't about reacting faster, finding the flashiest opportunity, or predicting the next market move. It's about discipline, diversification, consistency, and making decisions that align with your goals—not your emotions.

Send us Fan MailIf you've never had a smoking tenant, consider yourself lucky — and unprepared. A smoking policy for landlords isn't just a nice-to-have anymore. It's the industry standard. But if your lease only says "no cigarettes," you may have more gaps than you realize. Vaping, e-cigarettes, cigars, and cannabis all need to be spelled out — and most older leases don't cover them.Here's what often gets overlooked: the stakes are completely different depending on what kind of property you own. A single-family home carries primarily financial and fire-related risk. But in a duplex or multi-unit building, secondhand smoke travels through shared walls, vents, and HVAC systems — and a non-smoking tenant who's being exposed may have grounds to claim a breach of the implied warranty of habitability. The bigger the building, the higher the legal liability.In this episode, Kevin and I cover why smoke-free is now the industry standard, what your no-smoking clause actually needs to say, how enforcement works when a tenant violates it, and a real story from our Sacramento six-plex during COVID that made the cost of a weak smoking policy very, very clear.Nothing on this podcast is legal advice. Please consult a real estate attorney in your state before finalizing any lease language.Links & References Mentioned in This EpisodeEpisode 128  AI Is Your New Business Partner American Nonsmokers' Rights Foundation ChangeLab Solutions (Smoke-Free Housing Resources)EZ Landlord Forms State Specific Leases for LandlordsConnect with Us: 

On June 12, 2026, SpaceX completed the largest initial public offering in history, raising $75 billion and officially debuting on the Nasdaq. This monumental financial event propelled Elon Musk to become the world's first trillionaire as the company's valuation soared to $2.1 trillion by the end of its first trading day. Investment experts and analysts highlight that while the stock saw a nearly 20% surge, the listing was characterized by unprecedented scale and strategic scarcity engineering by lead underwriters like Goldman Sachs. Beyond the financial figures, the sources emphasize how SpaceX's affordable launch costs and Starlink satellite business are establishing the critical infrastructure for a new era of space-based innovation and AI data centers. While the debut was a massive success, market commentators warn that historical data suggests long-term volatility for high-valuation IPOs once initial investor lockup periods expire. This historic milestone reflects a significant shift in global capital markets and solidifies the company's dominance in the burgeoning commercial space industry.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3596: Jessica Jokisch explores the hidden side of financial growth, arguing that increasing wealth requires stronger leadership, smarter delegation, and a willingness to upgrade old habits. She shows that lasting prosperity depends not just on earning more, but on developing the mindset and systems needed to protect and sustain it. Read along with the original article(s) here: https://www.christineluken.com/more-money-means-more-responsibility/ Quotes to ponder: "More money means more responsibility, not just more fun. If you want to grow and keep your wealth, it comes with more responsibility. They're a package deal!" "Every time we ascend to new levels of success, income, or net worth, we're faced with new fears and money blocks. As the saying goes, “New level, new devil!”" "With great power (and wealth!) comes great responsibility. Those who embrace it will build an empire and create a legacy." Episode references: TurboTax: https://turbotax.intuit.com/ Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

You do not need to be rich to start investing. But you do need a plan.In this episode, Nicole Carson, CFP®, MBA and founder of 2nd Story Wealth Planners, breaks down how beauty professionals can start building an investment plan around real-life factors like debt, uneven income, taxes, retirement goals, and fear of the market. She explains why investing is not only for wealthy people and how consistency, time, and a clear plan can help beauty pros build long-term financial security.

There is a sophisticated fraudulent video circulating on Facebook and other social media platforms which is using deepfake images of award-winning financial journalists Bruce Whitfield and Maya Fisher-French to lure unsuspecting people into making investments in dubious schemes. John Maytham speaks to financial journalist Maya Fisher-French about the signs to be on the lookout for and how to avoid being scammed by these deepfake videos. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalkSee omnystudio.com/listener for privacy information.

Every time you buy a stock, you tell yourself a story about why it's going to work. But what if that story is the most dangerous thing in your portfolio? And what if the same behavioral blind spots that trip up individual investors are also quietly undermining the companies you're betting on? Motley Fool analyst Rachel Warren talks with Harvard-trained behavioral scientist Julia Dhar, author of How Change Really Works, about why 60 to 75 percent of corporate transformations fail, how to spot false alignment in a leadership team, and the simple framework that separates companies worth owning from ones that just sound good on an earnings call. Host: Rachel Warren Guest: Julia Dhar Producers: Bart Shannon, Lauren Budabin 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

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3595: Brad uses the familiar in-flight oxygen mask rule to make a powerful case for protecting your own financial stability before trying to rescue everyone else. By exploring emergency funds, healthy boundaries, and the difference between helping and enabling, he offers a practical framework for becoming more effective and compassionate with money. Read along with the original article(s) here: https://www.budgetsaresexy.com/financial-advice-from-the-in-flight-safety-handbook/ Quotes to ponder: "Remember to secure your own oxygen mask before assisting others with theirs." "You are no good to anyone, if you pass out." "You are not blessing others by destroying yourself!" Episode references: Boundaries by Dr. Henry Cloud & Dr. John Townsend: https://www.amazon.com/Boundaries-When-Take-Control-Your/dp/0310247454 Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3594: Tynan explores the difference between living as a builder versus an allocator, arguing that the best long-term decisions compound through intentional investments in time, money, and habits. His perspective offers a practical framework for creating lasting advantages and building a life that becomes stronger and more resilient over time. Read along with the original article(s) here: https://tynan.com/building/ Quotes to ponder: "The three currencies we have are time, money, and habits." "Don't just live your life, build it." "A builder takes the time to put into place systems to work more efficiently, thus building his effectiveness." Episode references: UFC 200: https://en.wikipedia.org/wiki/UFC_200 Stanford Marshmallow Experiment: https://en.wikipedia.org/wiki/Stanford_marshmallow_experiment Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fundstrat's Tom Lee took the Consensus mainstage in Miami to make a bold call: crypto winter is over and the bull market is just getting started. Lee laid out his case for why agentic AI and tokenization will make crypto-native companies more profitable than traditional banks, argued Ethereum is deeply undervalued at current prices, and explained why BitMine, which now holds over 4% of all Ethereum supply and generates over $1 million a day in cash flow, is positioned to be one of the biggest beneficiaries of the next cycle. - Timecodes: 00:00 - Tom Lee at Consensus Miami 2026 00:37 - Crypto Winter Is Over and the Bull Market Is Starting 02:56 - Ethereum as a Portfolio Diversifier and Long-Term Hedge 06:14 - Tokenization and Agentic AI as Drivers of the Next Bull Market 10:17 - How Crypto-Native Companies Will Replace Traditional Banks 11:28 - BitMine's Strategic Positioning and Investment in Eightco and MrBeast 16:55 - BitMine's Digital Asset Treasury Strategy

Chris Markowski, known as the Watchdog of Wall Street, discusses the harsh realities of the financial world, particularly focusing on the Social Security system, the failures of Obamacare, and the importance of true wealth beyond material possessions. He emphasizes the need for personal responsibility in financial planning and critiques the political landscape's handling of these issues. Morkowski also touches on the spending habits of young athletes and the immigration system's impact on the labor market, advocating for a revamp of education to support skilled labor.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3595: Brad uses the familiar in-flight oxygen mask rule to make a powerful case for protecting your own financial stability before trying to rescue everyone else. By exploring emergency funds, healthy boundaries, and the difference between helping and enabling, he offers a practical framework for becoming more effective and compassionate with money. Read along with the original article(s) here: https://www.budgetsaresexy.com/financial-advice-from-the-in-flight-safety-handbook/ Quotes to ponder: "Remember to secure your own oxygen mask before assisting others with theirs." "You are no good to anyone, if you pass out." "You are not blessing others by destroying yourself!" Episode references: Boundaries by Dr. Henry Cloud & Dr. John Townsend: https://www.amazon.com/Boundaries-When-Take-Control-Your/dp/0310247454 Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3594: Tynan explores the difference between living as a builder versus an allocator, arguing that the best long-term decisions compound through intentional investments in time, money, and habits. His perspective offers a practical framework for creating lasting advantages and building a life that becomes stronger and more resilient over time. Read along with the original article(s) here: https://tynan.com/building/ Quotes to ponder: "The three currencies we have are time, money, and habits." "Don't just live your life, build it." "A builder takes the time to put into place systems to work more efficiently, thus building his effectiveness." Episode references: UFC 200: https://en.wikipedia.org/wiki/UFC_200 Stanford Marshmallow Experiment: https://en.wikipedia.org/wiki/Stanford_marshmallow_experiment Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Dave Spano and Dr. Brian Jacobsen break down rising geopolitical tension, spotlighted by developments in Iran, alongside a fresh batch of economic data shaping today's market narrative. Inflation is still running hot as consumer confidence slips and small business optimism cools, even while housing and trade offer a few bright spots. They also take a closer look at the uptick in IPO activity, from AI heavyweight OpenAI to more traditional companies, and what it may reveal about investor sentiment, plus practical conversations on tax filing strategies for couples and why more Americans are tapping into their 401(k)s.

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

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3593: Kumiko of The Budget Mom explains why entering retirement with debt can put serious pressure on a fixed income and reduce the freedom you've worked hard to achieve. She highlights the importance of eliminating unsecured debt, student loans, and mortgage debt before retirement, while offering practical strategies to reduce interest costs, accelerate repayment, and protect long-term financial security. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "If you are living with a fixed retirement income, you might not be able to afford to make the extra payments on the money owed." "I would love to help my son pay for college, but I won't sacrifice my own retirement to do so" "If you can pay off your mortgage before retirement, you can significantly decrease your housing costs, eliminate your biggest expense, and you can make your savings last much longer." Episode references: UTMA (Uniform Transfers to Minors Act) Accounts: https://www.investopedia.com/terms/u/utma.asp Parent PLUS Loans: https://studentaid.gov/understand-aid/types/loans/plus/parent Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you put your love on Jesus and on eternal matters, you have something that doesn't change and doesn't decrease in value. Weekend edition #224To help support this podcast, please visit walkwiththeking.org/donate and select "Podcast" from the dropdown menu. To hear more from Bob Cook, you can find Walk With The King on Facebook or Instagram.  

* The Dust of the Ground: Listen in as Fred Williams asks Doug McBurney where to find all kinds of living organisms in just one teaspoon full! Dr. Thomas M. Dykstra, gives us the answer! He's a PhD entomologist and agricultural consultant, and the lab director at Dykstra Labs in Gainesville Florida. Dr. Dykstra received his Masters in entomology from the University of Florida, where he investigated the neurophysiology of pheromone production in moths and received a Ph.D. in insect bioelectromagnetics under Dr. Philip S. Callahan at Florida. (Check out his last appearances)!   * Government Mule: Hear more about the bureaucratic programs being streamlined into the "human services" being distributed in the "Farmer's First Investment" and something called "Regenerative Agriculture", (which remains undefined).   * Entomology vs Nematology: Find out all the funnest facts to be found in discussing the study of insects and roundworms!   * Healthy Soil Matters: Get the inside scoop on maintaining healthy soil that produces nutrient dense food on the farm & in your own backyard garden.   * Dealing with the Bees: Dr. Dykstra helps everyone understand why honeybees might look like they're drunk, and why they might turn violent!   * Jesus Light & Design: Get the first in a series of Real Science Radio Teaching Books all about how light and design point to Jesus Christ as the Creator and Savior of the world.   * In The Beginning: Pre-order the 9th edition of Walt Brown's amazing, enlightening, biblically sound book explaining why Earth (and the solar system) look the way they do!   * Sponsor a Show! Go to our store, buy some biblically oriented science material and sponsor a show!   * Sun Puzzles: Check out another one of Ellen McHenry's intriguing and enlightening books: Sun Puzzles - on all the curious facts about the Sun that point to an electric, (and not a nuclear) sun.

* The Dust of the Ground: Listen in as Fred Williams asks Doug McBurney where to find all kinds of living organisms in just one teaspoon full! Dr. Thomas M. Dykstra, gives us the answer! He's a PhD entomologist and agricultural consultant, and the lab director at Dykstra Labs in Gainesville Florida. Dr. Dykstra received his Masters in entomology from the University of Florida, where he investigated the neurophysiology of pheromone production in moths and received a Ph.D. in insect bioelectromagnetics under Dr. Philip S. Callahan at Florida. (Check out his last appearances)!   * Government Mule: Hear more about the bureaucratic programs being streamlined into the "human services" being distributed in the "Farmer's First Investment" and something called "Regenerative Agriculture", (which remains undefined).   * Entomology vs Nematology: Find out all the funnest facts to be found in discussing the study of insects and roundworms!   * Healthy Soil Matters: Get the inside scoop on maintaining healthy soil that produces nutrient dense food on the farm & in your own backyard garden.   * Dealing with the Bees: Dr. Dykstra helps everyone understand why honeybees might look like they're drunk, and why they might turn violent!   * Jesus Light & Design: Get the first in a series of Real Science Radio Teaching Books all about how light and design point to Jesus Christ as the Creator and Savior of the world.   * In The Beginning: Pre-order the 9th edition of Walt Brown's amazing, enlightening, biblically sound book explaining why Earth (and the solar system) look the way they do!   * Sponsor a Show! Go to our store, buy some biblically oriented science material and sponsor a show!   * Sun Puzzles: Check out another one of Ellen McHenry's intriguing and enlightening books: Sun Puzzles - on all the curious facts about the Sun that point to an electric, (and not a nuclear) sun.

Chris Markowski, the Watchdog of Wall Street, discusses the current state of the financial markets, emphasizing the importance of understanding market psychology and investor behavior. He reflects on lessons learned from the Great Recession, the challenges posed by inflation, and the realities of investing in IPOs. Markowski advocates for long-term investment strategies and warns against emotional decision-making that can lead to poor financial outcomes. He encourages listeners to embrace difficult market conditions and to seek guidance in navigating their financial futures.

Chris Markowski discusses the pervasive issue of investment scams and fraud, emphasizing the importance of consumer awareness and education. He highlights the psychological tactics used by scammers to exploit greed and fear, and shares insights on how to protect oneself from financial deception. The conversation also delves into the current political climate, advocating for a more informed and responsible electorate, and the need for civic education to ensure a better future for upcoming generations.

On June 12, 2026, SpaceX completed the largest initial public offering in history, raising $75 billion and officially debuting on the Nasdaq. This monumental financial event propelled Elon Musk to become the world's first trillionaire as the company's valuation soared to $2.1 trillion by the end of its first trading day. Investment experts and analysts highlight that while the stock saw a nearly 20% surge, the listing was characterized by unprecedented scale and strategic scarcity engineering by lead underwriters like Goldman Sachs. Beyond the financial figures, the sources emphasize how SpaceX's affordable launch costs and Starlink satellite business are establishing the critical infrastructure for a new era of space-based innovation and AI data centers. While the debut was a massive success, market commentators warn that historical data suggests long-term volatility for high-valuation IPOs once initial investor lockup periods expire. This historic milestone reflects a significant shift in global capital markets and solidifies the company's dominance in the burgeoning commercial space industry.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3593: Kumiko of The Budget Mom explains why entering retirement with debt can put serious pressure on a fixed income and reduce the freedom you've worked hard to achieve. She highlights the importance of eliminating unsecured debt, student loans, and mortgage debt before retirement, while offering practical strategies to reduce interest costs, accelerate repayment, and protect long-term financial security. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "If you are living with a fixed retirement income, you might not be able to afford to make the extra payments on the money owed." "I would love to help my son pay for college, but I won't sacrifice my own retirement to do so" "If you can pay off your mortgage before retirement, you can significantly decrease your housing costs, eliminate your biggest expense, and you can make your savings last much longer." Episode references: UTMA (Uniform Transfers to Minors Act) Accounts: https://www.investopedia.com/terms/u/utma.asp Parent PLUS Loans: https://studentaid.gov/understand-aid/types/loans/plus/parent Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's the halfway point of 2026. Do you know if your retirement plan is on track? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray of Decker Retirement Planning walk through their mid-year review process: what to check, what to question, and where the common blind spots are. What this episode covers: • The mid-year checklist: portfolio allocation, spending versus budget, and whether your 401(k), IRA, Roth, and HSA contributions are still on pace • Why set-percentage withdrawal rules like the 4% approach can fall short in a flat market cycle, and how Decker structures income across emergency cash, principal-protected accounts, and a separate risk bucket • Brian's case against traditional quarterly rebalancing, and how relative strength, sector rotation, and momentum strategies shape what Decker clients own right now • What history shows about market valuations above 30 times trailing earnings, and the two ways portfolios have historically generated returns in flat market cycles • The disconnect between record stock prices and a squeezed economy: layoffs, flat unemployment, and why half the country feels it differently than the other half • The mindset shift from saving to spending, including how retirees can think about emergency cash and permission to actually use the money they spent decades building If you're within a few years of retirement, or already there, this episode lays out the questions worth asking before the second half of the year. Schedule a no-cost conversation: 833-707-3030 Free resources, including Brian's book The Decker Approach and a sample income plan, are available at DeckerRetirementPlanning.com under Safer Retirement Education. Serving families in Salt Lake City, Seattle/Bellevue, and the Bay Area, and virtually nationwide. Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. Any references to protection or safety generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. This show is for informational purposes only and is not tax or legal advice. This radio show is a paid placement.

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

Alex Gurevich talks about the next perfect trade! We discuss major shifts in the macro investing landscape, including the breakdown of the traditional stock-bond relationship, why U.S. Treasuries no longer act as a reliable flight-to-safety asset, and how inflation, fiscal policy, and changing market regimes are reshaping investment strategies. Alex shares his framework for identifying high-probability trades, explains why he believes interest rates could ultimately return to zero if the labor market weakens, and discusses opportunities and risks in global markets, currencies, gold, emerging markets, and China. We also explore the long-term impact of artificial intelligence on productivity, employment, and economic growth and more! We discuss...  The breakdown of the traditional stock-bond relationship and how it is changing portfolio diversification strategies. Why U.S. Treasuries are no longer acting as a reliable flight-to-safety asset and what that means for investors. The impact of inflation, fiscal policy, and shifting market regimes on the macroeconomic outlook. Why labor market trends remain the most important factor influencing future Federal Reserve decisions. The possibility that interest rates could eventually return to zero if economic growth and employment weaken. Investment opportunities and risks across currencies, bonds, emerging markets, and international equities. The relative attractiveness of gold, U.S. Treasuries, and other hard assets in the current environment. China's economic challenges, AI ambitions, and its position in the global race for technological leadership. How artificial intelligence is driving investment, productivity gains, and economic growth across multiple sectors. The potential for AI-driven job displacement and a temporary economic adjustment period before larger long-term benefits emerge. Key market risks stemming from geopolitical conflict, energy prices, and evolving global economic dynamics. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management 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 full show notes at https://moneytreepodcast.com/next-perfect-trade-alex-gurevich-824 

In this deal segment episode with Pat Carino we break down one of the most unique deals featured on the podcast to date: a 300-unit, five-building ground-up development on Cape Cod, Massachusetts, acquired through the state's 40B affordable housing program on a 20+ acre site.Pat walks through how the deal first surfaced through a social media message, how it came back to market through a broker four months later, and how NRP Group ultimately won the deal in a competitive process. The conversation covers the mechanics of 40B entitlements, why the Cape Cod market is more compelling than it looks on paper, how the town's own incentives aligned perfectly with the project's approval, and how the team is navigating the Massachusetts rent control uncertainty heading into November.This episode is essential listening for any investor curious about how institutional ground-up development deals actually work — from 40B entitlements to construction type to exit planning — and what the Massachusetts legislative landscape means for multifamily development in 2025 and beyond.Join us as we dive into:A clear explanation of Massachusetts 40B: what it is, how it works, why towns strategically support "friendly 40B" projects, and how crossing the 10% affordable housing threshold removes the tool from future developersWhy wood-frame, surface-parking construction is Pat's preferred method — and how construction type, affordability requirements, and tax environment are the four key variables in any development site evaluationHow NRP prices development deals: per approved/entitled unit — and why that structure protects both buyer and seller when final unit counts are still in fluxHow the capital stack works at NRP: traditional bank construction debt combined with institutional equity from pension funds and family officesWhy Cape Cod is a stronger demand market than it appears: a large workforce commutes onto the Cape daily with almost no rental housing options — and this project fills that gapPat's honest assessment of Massachusetts rent control: how NRP has stress-tested their underwriting against worst-case scenarios, and why a 10-year new construction exemption is at least partially reassuringState-level tailwinds: a proposed sales tax exemption on building materials and a fast-track provision for the MEPA environmental review process for qualifying projectsSign up for the DealNav CRM HEREConnect with Pat Carino:Follow him on Twitter/XConnect with him on LinkedinLearn more about DealNavAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.Connect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners

At last week's NYU IHIF, I talked with David Duncan, President and CEO of First Hospitality, about where hotel investment still works when new construction rarely pencils. That's the part of the market I keep hearing more about: not shiny new projects, but existing hotels where the right capital, brand strategy, operating discipline, or management change can unlock something better. David has a useful view on that because First Hospitality now plays on both sides of the equation: investment and operations. In this conversation, we got into why more opportunities may come from assets that need work, why development still feels difficult, and how First Hospitality thinks about growth when every deal has to earn its way forward. We also talked about new markets, talent, culture, and why entering a city as an operator takes a lot more than running the numbers from a spreadsheet. Thanks to Actabl. Actabl gives you the power to profit. Visit actabl.com. Want the weekly roundup of news, videos, and what you might've missed? Text HOTEL to 66866.

AI narrative momentum, durable value, and why Zoom and Roblox stand out | Around the Desk Ep. 85Sean Emory, founder and CIO of Avory & Co., on the "AI on, AI off" market: where durable value actually accrues, why models may commoditize as open source catches up, and why ecosystem and context end up mattering more than the model itself. Plus a look at Zoom (Avory's top holding) for its cash, Anthropic stake, and communication-context data, and Roblox for consumer engagement and AI-enabled creation. He expects public AI listings to force scrutiny on profitability, margins, and capital intensity, and makes the case for patience and businesses that don't require perfect assumptions.Chapters00:00 Podcast intro00:33 Momentum and narratives01:08 AI trade dominates02:31 Where value accrues03:16 Open source catching up05:10 Models commoditize over time06:28 Multi-model future07:47 Infrastructure crowding risks09:15 Energy bottlenecks10:06 Durable investing mindset10:35 Zoom as durable play13:13 Roblox and creation flywheel14:02 Macro uncertainty cycles16:00 Public AI reality check17:33 Staying patient and closingMore from Avory & Co.www.avory.xyz Informational only. Not personal investment advice. Avory & Co. and Sean Emory may hold positions in securities discussed. Past performance does not guarantee future results.

In this episode, Collin Martin and Liz Ann Sonders focus on the outlook for equities, fixed income, and the overall U.S. economy in the second half of 2026. They begin by discussing recent inflation data, noting that while CPI remains elevated, core inflation came in slightly better than expected. Both agree inflation is not quickly returning to the Fed's target, but easing expectations and stable inflation expectations suggest the Federal Reserve can remain patient for now. The key risk is whether higher prices, especially at the pump, begin to erode consumer spending, as real wages have turned negative year over year. From a policy perspective, Collin expects the Fed to stay on hold through year-end, despite the fed funds futures market pricingin a potential hike. He emphasizes that short-term yields should remain steady, while longer-term Treasury yields may stay elevated due to persistent inflation, heavy Treasury issuance, and global rate pressures. In this environment, he suggests favoring short-to-intermediate bond durations and selectively considering credit risk via investment-grade corporates, high yields, and preferred securities. Liz Ann focuses on the outlook for equity investors, highlighting a shift back to a negative correlation between bond yields and stocks—more characteristic of inflation-driven regimes. Her midyear forecast points to a solid economic backdrop, led by resilient GDP growth, strong capital spending tied to AI, and a healthy labor market, though some early warning signals are emerging in survey-based employment data. The episode closes with a cautious but constructive outlook: no immediate recession signals, but investors should consider prioritizing diversification, risk management, and periodically rebalancing as markets navigate inflation, policy uncertainty, and evolving leadership trends. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting.  If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee. Preferred securities are a type of hybrid investment that share characteristics of both stock and bonds. They are often callable, meaning the issuing company may redeem the security at a certain price after a certain date. Such call features, and the timing of a call, may affect the security's yield. Preferred securities generally have lower credit ratings and a lower claim to assets than the issuer's individual bonds. Like bonds, prices of preferred securities tend to move inversely with interest rates, so their prices may fall during periods of rising interest rates. Investment value will fluctuate, and preferred securities, when sold before maturity, may be worth more or less than original cost. Preferred securities are subject to various other risks including changes in interest rates and credit quality, default risks, market valuations, liquidity, prepayments, early redemption, deferral risk, corporate events, tax ramifications, and other factors. High-yield securities and unrated securities of similar credit quality (junk bonds) are subject to greater levels of credit and liquidity risks and may be more volatile than higher-rated securities. High-yield securities are considered predominately speculative with respect to the issuer's continuing ability to make principal and interest payments. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions Negative correlation refers to investments that tend to move in opposite directions: when one rises, the other falls. 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You've spent years building your business. But what if you've already crossed the finish line — and nobody told you?Most business owners spend their entire careers trying to reach financial freedom. But there's a specific, calculable threshold — called The Freedom Point — where the net proceeds from selling your business would fund the rest of your life without financial worry. And the uncomfortable truth is: a lot of owners have already crossed it. They're still grinding, still taking on risk, still saying "five more years" — without realizing they've technically already won.In this episode, CFP® David Chudyk breaks down The Freedom Point framework, walks through the exact math to calculate yours, and explains why so many smart, successful business owners stay past it without a plan — and what that costs them.What You'll Learn in This EpisodeWhat The Freedom Point is — and the precise formula to calculate itWhy your business growing could actually be increasing your financial risk (not reducing it)The "4 D's" that can destroy business value overnight — and why none of them care about your timelineHow to figure out if you've already crossed your Freedom Point using a 7-step frameworkWhat your options are once you've crossed it (hint: selling isn't the only one)The three psychological traps that keep smart owners grinding past the point of financial freedomWhy "one more year" syndrome might be the most expensive story you're telling yourselfEpisode Timestamps[0:00] — Cold Open: What if you've already won?[2:00] — What is The Freedom Point?[6:00] — Meet Tim: The business owner with 80% concentration risk[11:00] — The 4 D's: Death, Disability, Divorce, Departure[15:00] — How to calculate your own Freedom Point (7-step framework)[20:00] — What to do when you've crossed the line: 4 options[24:00] — Why smart owners stay too long: Identity, One More Year Syndrome, Fear of Irrelevance[28:00] — The free tool to calculate your Freedom Point todayThe Freedom Point FormulaThe Freedom Point is reached when:(Value of Outside Investments) + (Net Proceeds from Business Sale) > (Desired Annual Income × 33)Here's how to run it yourself:Step 1: Estimate the annual income that would make you feel completely financially freeStep 2: Multiply by 33 (based on a conservative 3% withdrawal rate)Step 3: Calculate your wealth outside your business — investments, rental properties, brokerage accounts (not your primary residence)Step 4: Get a realistic business valuation estimateStep 5: Subtract the frictional cost of selling — taxes, broker commissions (~10–12%), legal fees (~2%)Step 6: Add back any long-term business debt you'd need to pay off at closingStep 7: If Steps 3 + 5 exceed Step 2, you've reached The Freedom PointExample: If you want $150,000/year of income, you need $4.95M in total investable assets. If your business would net $4M after selling costs and you have $1M outside the business — you've crossed it.The 4 D's Every Business Owner Needs to KnowThese four events can destroy business value overnight — and none of them are in your control:Divorce — Especially devastating when both spouses work in the business or when business value becomes contested in settlementDeparture — A key partner, co-founder, or critical employee leaves, triggering buy-sell agreements and operational disruptionDisability — You become unable to work; most disability policies protect income, not business valueDeath — Your beneficiaries inherit a business they don't know how to run, often resulting in forced sales at the worst possible timeWhy Smart Owners Stay Past The Freedom PointThe math alone doesn't explain why successful business owners keep grinding after they've technically won. David breaks down three psychological forces:Identity: When the business is who you are, the idea of stepping back feels like erasing yourself — not a financial decision at allOne More Year Syndrome: The goal line keeps moving. $2M becomes $3M becomes $5M. Every milestone reveals the next one. The exit that was "five years away" has been five years away for fifteen years.Fear of Irrelevance: The quiet one. Not afraid of selling — afraid of what comes after. Who are you without the title, the team, and the 8am calendar?"The biggest threat to your financial freedom isn't market risk. It's the story you're telling yourself about who you are without the business."Your Options Once You've Crossed The Freedom PointSell a Minority Stake — Take chips off the table while keeping control; often done with private equity in a minority recapitalizationSell a Majority Stake — Significant liquidity event now, keep some equity, continue running the business under new ownershipEarn-Out Exit — Full sale with a 1–3 year transition; ideal if you're ready to step back in the next three to five yearsStay and Build Around the Risk — Keep building, but do it intentionally: key person insurance, a funded buy-sell, disability coverage, and a real succession planCalculate Your Freedom Point — Free ToolDon't guess where you stand. Take the free Personal Readiness to Exit assessment — it walks you through the exact Freedom Point calculation in about 10 minutes and shows you a real number.→ Take the Free Assessment at weeklywealthpodcast.com/prescoreRather talk it through with someone? Book a free 20-minute strategy call:→ Book a Vision Call at weeklywealthpodcast.com/visionQuotable Moments"What if you've already won — and you're still playing like you haven't?""Before The Freedom Point, risk is how you build. After it, risk is how you lose what you've already built.""Tim diversifies his 401(k) like a pro. But 80% of his net worth is a single, illiquid, non-publicly-traded asset. That's not diversification. That's concentration in a tuxedo.""One more year syndrome feels responsible. But what it often is — if we're honest — is a way of avoiding a decision you're not emotionally ready to make.""The Freedom Point isn't a feeling. It's a formula. And once you run the math, you can't unsee what it shows you."Who This Episode Is ForThis episode is essential listening if you are:A business owner with a company worth $1M or more wondering if you're "there yet" financiallyAn entrepreneur approaching your 50s who hasn't run a real exit planning calculationA high earner whose business represents more than 50% of your total net worthAnyone who has said "I'll sell when the business hits $X" — and then moved the goalpostA spouse or partner of a business owner trying to understand the financial risk your household is carryingResources & Related EpisodesPersonal Readiness to Exit (Prescore) — Free AssessmentVision Call — Free 20-Minute Strategy SessionSellability Score — Free Business Valuation AssessmentRelated: Ep. 264 — Is Your CPA Only Looking in the Rearview Mirror? (tax planning before a sale matters enormously)Related: Ep. 265 — This Is Exactly Who You've Been Looking For (David's background and advisory approach)About David Chudyk, CFP®David Chudyk is a CERTIFIED FINANCIAL PLANNER™ professional, CLTC, and Certified ValueBuilder Advisor with nearly two decades of experience working with business owners and high-net-worth individuals. He is the founder and host of the Weekly Wealth Podcast and a fiduciary advisor with Parallel Financial, LLC. David specializes in helping business owners align their personal financial plans with their business exit strategies — so they can make the biggest financial decision of their lives with clarity and confidence.weeklywealthpodcast.comThe Weekly Wealth Podcast is produced by Parallel Financial, LLC, a registered investment advisor. All content is for educational and informational purposes only and should not be construed as personalized financial, tax, or legal advice. All examples, including "Tim," are hypothetical illustrations only. Consult a qualified financial advisor before making any financial decisions. Investment advisory services offered through Parallel Financial, LLC.

MacroVoices Erik Townsend & Patrick Ceresna welcome, Larry McDonald. They discuss what's driven this sell-off, whether the Iran conflict had anything to do with it, and where the opportunities lie in today's markets. https://bit.ly/4ebDAHe