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Send us Fan MailMost investing advice is surprisingly simple:Buy the S&P 500.Invest consistently.Think long term.But what if there was another way to think about investing?In this episode of Kyle Talks, I sit down with Haren Bhakta to discuss how everyday people can better understand the stock market, avoid common investing mistakes, and think more intentionally about where they put their money.We explore why Haren believes companies with leaders who have significant ownership stakes may outperform traditional index approaches over time, why founder-led businesses often look and operate differently, and what investors may be missing when they simply "buy the market."We also tackle bigger questions:Does a company remain the same company after its founder leaves?Should investors care who is actually running the businesses they own?And how can someone just getting started begin investing without becoming overwhelmed?Whether you're brand new to investing or have been contributing to your retirement accounts for years, this conversation offers practical insights and a fresh perspective on what it really means to invest.Topics discussed:• Why many investors choose the S&P 500• The case for investing alongside company leadership• What insider ownership actually means• Why founder-led companies can perform differently• Common mistakes investors make• How emotions affect investing decisions• The importance of consistency over perfection• Does a company change when its original leaders leave?• The McDonald's story and what it teaches us about business• Practical advice for everyday investorsThe goal isn't to beat the market overnight.It's to understand what you own, why you own it, and make thoughtful decisions with confidence.Because investing isn't just about growing wealth—it's about thinking like an owner.Connect with Haren hereSocial Media:Insta/X: kyleTHEhortonYoutube: KyletalkssTiktok: KyleTalkssIntro: Head In The Clouds by Matthew MorelockSupport the show

Senior housing is no longer a niche asset class; it's become one of the most talked-about sectors in real estate and institutional investing. On this episode of Bridge the Gap, Aron Will returns to break down why senior living is entering what he calls a “historic growth cycle.” Aron explains the powerful convergence of demographics, limited new development, strong occupancy growth, and increasing institutional capital flows driving unprecedented momentum in the sector.Key TopicsWhy senior housing is attracting institutional investorsThe demographic wave driving demand growthOccupancy trends and rental rate growth in senior livingWhy development has slowed dramaticallyConstruction costs and replacement cost challengesThe difference between real estate value and operating business performancePositive leverage opportunities in senior housingRisks of irrational exuberance in the sectorWhy senior housing is more insulated than office and multifamilyCapital markets outlook for 2026 and beyondMeet the Hosts:Josh Crisp: https://www.linkedin.com/in/joshcrispsocial/Lucas McCurdy: https://www.linkedin.com/in/lucasmccurdyseniorlivingfan/Connect with Our GuestAron Will: https://www.linkedin.com/in/aron-will-b05395a Learn More about the CBREhttps://www.cbre.com/Produced by Grit and Gravel Marketing.Become a sponsor of Bridge the Gap.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.Episode SummaryThe largest IPO in history is here. SpaceX goes public this week with an expected total value of $1.77 trillion, and OpenAI and Anthropic have both announced plans to go public this year at valuations around $1 trillion each. In optometry forums and online communities everywhere, ODs are asking the same question: should I get in?In this episode, we look at 45 years of data and research on how IPOs have actually performed for investors - and then dig into the question that matters more for most listeners: how index funds and other passive funds will add these mega IPOs to their portfolios, and what that means for you.Have questions about your own investment approach? Reach out at podcast@optometrywealth.com.What You'll LearnWhat an IPO is and why 2026's IPOs are historic in sizeHow IPOs have historically performed compared to the broad US stock marketWhy the famous "first-day pop" doesn't benefit everyday investorsThe distribution of individual IPO outcomes over 3 and 5 years — and why most lose moneyWhy periods of peak IPO hype tend to be followed by the worst returnsHow the S&P 500, Russell, CRSP, and MSCI indexes decide when (and how much of) an IPO to includeWhat "float adjustment" means and why these trillion-dollar companies will enter index funds as tiny sliversHow the Nasdaq-100's approach to IPOs differs from broad market indexesWhether index fund "front-running" around IPO inclusions should worry long-term investorsHow factor-based funds like Dimensional handle newly public companiesKey Takeaways for OptometristsInvesting in IPOs right after they go public has historically been a poor strategy. IPOs as a group have trailed the broad market, and when you look at individual companies, roughly 60% lost money over their first three to five years - while a small sliver delivered lottery-like gains that lift the averages. Betting on IPOs means betting you can pick those rare winners.For index fund investors, these mega IPOs will eventually show up in your funds - but because indexes are float-adjusted, even a $1.77 trillion company may enter as a fraction of a percent of the index. The impact on your portfolio, good or bad, is small.The bigger lesson: when hype is at its highest, expected returns tend to be at their lowest. Staying broadly diversified, keeping costs low, and not chasing shiny objects continues to be the prudent approach - and if you do want a lottery ticket, be honest about what it is and size it accordingly.Related Episodes:Ep 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingEp 135: Beyond Indexing – An Optometrist's Guide to Factor-Based InvestingEp 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsEp 153: How to Invest Tax-Efficiently and Keep More of Your Returns (After-tax)Resources for OptometristsLoughran & Ritter (1995), "The New Issues Puzzle" — Journal of FinanceDimensional Fund Advisors (2019), "What to Know About IPOs" research studyDimensional Fund Advisors 2025 video: Do IPOs Have a Place in Your Portfolio?Jay Ritter's Long-Run Returns on IPOs (University of Florida)2025: Primary Capital Market Transactions and Index FundsCullen Roche's Article: Three Things – 100s, SpaceX, & IndexingWant a more proactive approach to your planning?You can schedule a no-commitment introductory call to discuss what's on your mind financially and learn how we help optometrists navigate those same decisions nationwide.

Why do some people confidently invest while others avoid money conversations altogether?In this episode of The Wallet, Emilie Bellet speaks with behavioural finance expert, psychotherapist and King's College London senior lecturer Dr Ylva Baeckström about the hidden forces that shape our financial decisions.From childhood experiences and financial attachment styles to confidence, investing behaviour and gender stereotypes, this conversation explores why money is rarely just about numbers.Topics covered:How financial identity is formedWhy many people avoid money conversationsThe link between childhood experiences and money habitsWhy women often outperform men as investorsThe confidence gap in financeFemale financial advisers and investing behaviourAI, financial advice and the future of investingWhy the real risk may be not investing at allThe information shared is for educational purposes only and is not financial advice.AD | This episode is sponsored by Wealthify.Wealthify makes investing simple by doing everything for you — from building your portfolio, to managing it on an on-going basis. Open your account at Wealthify.com.With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.Connect with VestpodSign up to The Edit newsletter: https://www.vestpod.com/subscribe Courses and bootcamps: https://www.vestpod.com/courses Follow on Instagram: https://www.instagram.com/vestpod Emilie's book: You're Not Broke, You're Pre-Rich Hosted on Acast. See acast.com/privacy for more information.

In this episode, Kate Webber, Chief Solutions Officer at the PRI, is joined by Claudia Wearmouth, Global Head of Responsible Investment at Columbia Threadneedle Investments, and Travis Antoniono, Investment Director for Sustainable Investments at CalPERS.Together, they explore how responsible investment is being applied in practical, financially material ways, including how it is embedded into investment processes, how transparent dialogue between asset owners and managers supports long-term outcomes, and the role evidence plays in sustainable investment decision-making.Overview:Responsible investment is increasingly moving from a specialist function to a core part of investment decision-making. Across public and private markets, sustainability and governance considerations are being integrated into due diligence, portfolio construction, stewardship and long-term risk management.This episode explores how investors are building practical frameworks around financial materiality, balancing quantitative tools with qualitative judgement, and adapting to rapidly evolving risks such as climate change and AI disruption.Detailed coverage:Embedding sustainability into investment processesBoth guests explain how sustainability considerations are now integrated throughout the investment lifecycle, from initial due diligence through to ongoing monitoring and exit decisions.Financial materiality and fiduciary dutyThey explore how responsible investment supports long‑term, risk‑adjusted returns and helps meet fiduciary responsibilities to beneficiaries.The role of dedicated expertiseTravis Antoniono discusses embedding dedicated sustainability specialists directly into investment due diligence teams, while Claudia Wearmouth outlines how sustainable investment analysts can better work alongside fundamental research teams.Data, evidence and judgementThe conversation explores how responsible investment relies on a growing evidence base. While data is still evolving, investors increasingly combine quantitative tools with qualitative insight and real-world case studies.Explore real-world examples of how investors are combining data and judgement in practice in the PRI's investment case database: https://public.unpri.org/investment-tools/investment-case-databaseHow AI is changing investment researchAI is beginning to transform investment analysis itself, helping teams assess sector disruption, and emerging financial impacts more dynamically.Building organisational buy-inBoth guests highlight that embedding responsible investment depends on strong leadership and clear direction, with teams working together to apply it in practice.The importance of asset owner–manager relationshipsTransparency, trust and detailed communication are highlighted as essential for aligning investment objectives, stewardship expectations and long-term strategy execution.Practical lessons for investorsThe episode concludes with practical recommendations on how investors can improve governance and decision-making through more consistent use of evidence and ongoing dialogue.Chapters:00:08 - Introduction and the investment case for responsible investment01:29 - Embedding sustainability into investment processes05:14 - Sustainability, fiduciary duty and long-term returns10:56 - Building the evidence base for responsible investment13:39 - How AI is changing investment analysis20:15 - Creating organisational buy-in and investment alignment22:18 - Climate solutions, strategy and total portfolio thinking27:12 - Asset owner and investment manager collaboration35:15 - Key lessons on transparency, trust and detail37:04 - Practical recommendations for investorsDisclaimer:This podcast and material referenced herein is provided for information only. It is not intended to be investment, legal, tax or other advice, nor is it intended to be relied upon in making an investment or other decision. PRI Association is not responsible for any decision made or action taken based on information on this podcast. Listeners retain sole discretion over whether and how to use the information contained herein. PRI Association is not responsible for and does not endorse third parties featured on in this podcast or any third-party comments, content or other resources that may be included or referenced herein. Unless otherwise stated, podcast content does not necessarily represent the views of signatories to the Principles for Responsible Investment. All information is provided “as is” with no guarantee of completeness, accuracy or timeliness, or of the results obtained from the use of this information, and without warranty of any kind, expressed or implied. PRI Association is committed to compliance with all applicable laws. Copyright © PRI Association 2026. All rights reserved. This content may not be reproduced, or used for any other purpose, without the prior written consent of PRI Association.

This week's Excess Returns Weekly Wrap breaks down the biggest investing lessons from our conversations with Cliff Asness, Andy Constan, Gene Munster, Doug Clinton, and Ben Carlson. Jack Forehand and Matt Zeigler discuss volatility, bubble regimes, AI infrastructure, private equity risk, investor behavior, and why doing nothing is often harder than it looks.Main topics covered:Cliff Asness on why volatility is not a perfect risk measure, but still matters for real investorsThe limits of defining risk only as permanent loss of capitalAndy Constan on why bubbles can feel low risk because they trend with low volatilityHow leverage, confidence, and investor behavior can inflate bubble regimesGene Munster and Doug Clinton on AI, electricity, data centers, hyperscaler CapEx, and energy demandWhy AI infrastructure constraints may affect whether the AI boom becomes a classic bubbleBen Carlson on Shark Week, vivid risks, and why investors often fear the wrong thingsCliff Asness on private equity, volatility laundering, and the illusion of smooth returnsAndy Constan on what active investors should do in bubble regimes and why mean reversion can failDoug Clinton and Gene Munster on AI job disruption, knowledge workers, and how to adaptBen Carlson on action bias, penalty kicks, and why doing nothing can be the hardest investing decisionTimestamps:00:00 Intro and the week's biggest investing clips03:37 Cliff Asness on volatility, risk, and permanent loss of capital10:16 Andy Constan on why low volatility can make bubbles more dangerous20:41 Gene Munster and Doug Clinton on turning electricity into intelligence25:11 Why AI power constraints may change the bubble debate30:39 Ben Carlson on Shark Week, vivid risks, and investor attention35:44 Cliff Asness on private equity and volatility laundering43:42 Andy Constan on alpha, sizing down, and trading in bubbles50:06 Doug Clinton and Gene Munster on AI, jobs, and knowledge workers57:55 AI blind spots, token subsidies, and old tech investing frameworks59:58 Ben Carlson on penalty kicks, action bias, and doing nothing01:04:45 Quant lessons in sports, the Knicks, and closing thoughts

Send us Fan MailThis episode is a behind-the-scenes conversation with Max Emory.We get into the nitty gritty of what it actually takes to serve REI clients, how he built his team, the new community he's launching for bookkeepers who want to level up their marketing and sales game, and how he manages it all with two boys under two at home.In this episode you'll hear:Why real estate investing is one of the most complex niches a bookkeeper can serveHow overcomplicated entity structures are hurting real estate investorsThe behind-the-scenes of Time Capital University and GoPro Bookkeeping communityHow Max runs a lean, profitable firm with strong boundaries around his timeResources mentioned in this episode:Bookkeeper Launch: https://bookkeepers.com/bookkeeper-launch/Skool Community: https://www.skool.com/bookkeeping-for-rei/aboutNuts and Bolts Course - Max's REI bookkeeping training course inside his Skool communityMulti Six Figure Bookkeeper Playbook - also inside the Skool communitySpark Email AppLoomXeroRich Dad Poor Dad by Robert Kiyosaki10x Is Easier Than 2x by Dan Sullivan and Dr. Benjamin HardyMeet Max EmoryMax Emory is the founder of Time Capital Bookkeeping and Time Capital University, a bookkeeper-turned-real-estate-expert who went from Marine Corps officer and mechanical engineer to building a thriving virtual bookkeeping firm that specializes in real estate investors and he has two boys under two at home!Connect with Max EmoryLinkedin: https://www.linkedin.com/in/millionairebookkeeper/Time Capital Bookkeeping : https://www.timecapitalbcs.com/Time Capital University: https://www.timecapitaluniversity.com/Thanks for listening. If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram stories and tag me @ambitiousbookkeeperFor more information about the Ambitious Bookkeeper Podcast or interest in our programs or mentoring visit our resources below:Visit our website: https://www.ambitiousbookkeeper.comFollow the Blog: https://www.ambitiousbookkeeper.com/blogConnect on Instagram: https://www.instagram.com/ambitiousbookkeeperConnect on Threads: https://www.threads.net/@ambitiousbookkeeperConnect on Facebook: https://www.facebook.com/serenashoupcpaThank you for your support of our show. If you haven't left a review yet it's super simple. Please go to ambitiousbookkeeper.com/podcast and leave your review.Podcast Publishing Tools we use:Editing → Sabr Media LLC: https://www.iangilliam.com/sabr-media-llcDescript: https:Join the next free training > Get access to the Dubsado Decoded Private Podcast Series here>>

Episode SummaryWith Mother's Day right around the corner, this episode highlights an important—and often overlooked—reality in financial planning: too many women are still taking a back seat when it comes to managing their financial future.Drawing from real client experiences, this episode explores why financial planning works best when both partners are actively involved, and why it's especially critical for women to engage in the process.From differences in financial goals and investment behavior to the long-term impact of widowhood and divorce, this conversation makes a compelling case for shared financial decision-making—and the risks of sitting on the sidelines.What You'll LearnWhy financial planning is more effective when both partners participateCommon differences in how men and women approach investingHow misaligned goals (even in something like vacations) reflect deeper planning gapsThe financial realities women often face after divorce or widowhoodWhy women tend to outperform men as investorsThe risks of deferring financial decisions to a spouseKey TakeawaysFinancial planning is not a “set it and forget it” process—especially for couplesWomen are statistically more likely to experience the long-term outcomes of financial decisionsBeing uninvolved in financial planning can lead to costly consequencesWomen often bring discipline, patience, and better long-term behavior to investingShared planning leads to better alignment, better decisions, and better outcomesTips, Tricks & StrategiesWant to get more involved in your financial life? Start here:Attend financial meetingsBe present in conversations with your financial advisor. If you don't have one, consider working with a professional.Build your financial knowledgeListen to podcasts, watch videos, or read about personal finance. The basics are more approachable than you think.Run a “what if” scenarioIf you had to take over all financial responsibilities tomorrow, would you be ready? Know your accounts, contacts, and plan.Notable Stats from the EpisodeWomen often experience a larger drop in income after divorce than menWomen tend to live longer, making long-term planning even more criticalA significant percentage of women defer financial decisions to their spouseStudies show women often outperform men in investing due to more disciplined behaviorFinal ThoughtA better life is the result of better planning—and better planning requires participation. If you're not at the table, it's time to pull up a chair.ReferencesDo women live longer than men in the US? | USAFactsThe Economic Consequences of Gray Divorce for Women and MenWomen Are Strong Savers. So, Why Do Their Balances Often Lag Behind?Women Put Financial Security at Risk by Deferring Long-term Financial Decisions to Spouses

Are you saving tax… or just rushing investments at the last minute?

Are you saving tax… or just rushing investments at the last minute?

Are you saving tax… or just rushing investments at the last minute?

Norm Volsky doesn't just place people at companies. He invests in them. After 14 years in digital health and employee benefits recruiting, Norm has built something almost nobody else in this industry has pulled off: a $6M recruiting practice and a fully operational venture capital firm — running side by side, feeding each other, in the same niche. His first client, Livongo, sold to Teladoc for $18.5 billion. His second, Hinge Health, just IPO'd for $3 billion. He placed three dozen people at Hinge alone. And somewhere along the way, he realized the smartest investors in the room already trusted him more than any VC — because he knew every founder, every pricing model, every hiring trend before they did. So he stopped just taking fees. He started taking equity.

Liz Ann Sonders of Schwab joins Excess Returns to break down how war, an oil shock, and shifting market dynamics are reshaping the investing landscape. She explains why the surface-level strength in markets is misleading, what's really happening beneath the index, and how investors should think about inflation, the Fed, AI, and the evolving role of retail traders.Follow Liz Ann on Twitterhttps://twitter.com/LizAnnSondersLiz Ann's Research and Commentaryhttps://www.schwab.com/learn/author/liz-ann-sondersTopics CoveredHow war and oil shocks are impacting markets, inflation, and Fed policyWhy the US being a “net energy exporter” doesn't protect investorsThe hidden bear market beneath index-level resilienceRotation vs. correction and what it means for portfoliosThe rise of retail traders and the shift away from “dumb money”Why better or worse data matters more than good or bad dataThe K-shaped economy and its impact on consumption and marketsAI's three phases and its real impact on jobs and productivityWhy this earnings season may be more important than usualThe shifting role of the Mag 7 and broader market participationWhy the bond market may be the true driver of equitiesRisks in credit markets and what investors should watchLabor market dynamics and challenges for younger workersHow investors and young professionals should think about AITimestamps00:00 Intro and current market environment04:05 Why the US isn't immune to oil price shocks05:35 Lessons from past oil shocks and inflation07:22 Why markets seem resilient despite macro risks08:00 The hidden drawdowns beneath the index surface10:13 Rolling recessions and sector-level weakness10:37 Are investors conditioned to buy every dip12:58 What happens when the dip doesn't get bought14:36 Valuations, corrections, and market structure15:12 Sentiment analysis in a new market regime18:50 Retail investors outperforming institutions20:08 Better or worse vs good or bad economic data23:00 How markets anticipate economic turning points25:22 Understanding the K-shaped economy28:00 Wealth effects and risks from equity declines29:09 AI as a transformative force vs macro risks30:00 The three phases of AI development33:04 Why this earnings season matters more34:00 Earnings revisions and sector concentration36:00 The future of Mag 7 leadership vs the rest of the market38:00 Contribution vs performance in index returns40:00 Sector sensitivity to inflation and supply chains42:00 Fundamentals vs speculation in small caps44:21 The Fed's dilemma in an oil shock environment48:00 Why the bond market is driving equities50:05 Credit markets and systemic risk signals53:26 Lessons from past bond market dislocations54:19 Labor market challenges and younger workers57:00 Career advice in the age of AI59:26 How Liz Ann uses AI in her research process01:01:00 Closing thoughts and where to follow Liz Ann

Did you like the episode? Send me a text and let me know!! The Undiscovered Entrepreneur | Episode: Elie Zalo – Fish Tank VC From Cold Calls to Crowdfunding Revolution: A 19-Year-Old Entrepreneur's Story  Episode Summary 19-year-old serial entrepreneur Elie Zalo joins host Skooby to share his raw, unfiltered entrepreneurship journey — from building an AI-powered cold calling training tool to launching Fish Tank VC, a social crowdfunding platform designed to democratize startup funding for everyday entrepreneurs and Gen Z founders.  What You'll Learn Why crowdfunding platforms are broken and who actually benefits from themHow AI tools are transforming sales training and startup buildingWhy failing fast is the ultimate entrepreneurship strategyHow Fish Tank VC is making startup investing accessible to retail investorsThe truth about product market fit and validating your business idea Timestamps [00:01:00] — Elie's origin story and entrepreneurship awakening on TikTok [00:02:30] — Building an AI-powered web development and CRM agency [00:04:00] — Creating Prospector, an internal AI cold calling trainer [00:07:00] — Gen Z risk-taking, StockX, crypto and prediction markets [00:09:30] — Why traditional crowdfunding platforms are broken [00:13:00] — The Fish Tank VC concept: TikTok meets startup investing [00:15:30] — Raw persistence: the one trait every entrepreneur must have [00:19:30] — How to use criticism to grow faster as a founder [00:24:00] — Validating your product before spending a single dollar [00:33:00] — Why authentic content beats AI-generated everything [00:42:00] — Failing fast, iterating smarter, and the future of Fish Tank VC Keywords Gen Z entrepreneurship, startup crowdfunding platform, democratize investing, retail investor startup funding, AI sales training tool, cold calling AI, prodDo you want to know what is your worst Hurdle is so you know what you want to do first to get across the start line?? Go to tuepodcast.net/quiz to get your 3 minute assessment right now and find out what your most prevalent hurdle is and how to start to overcome it!tuepodcast.net/quiz For a 15% discount on your first purchase go RYZEsuoerfoods.com use code PODNA15 Thank you for being a Skoobeliever!! If you have questions about the show or you want to be a guest please contact me at one of these social mediasTwitter......... ..@djskoob2021 Facebook.........Facebook.com/skoobamiInstagram.....  instagram.com/uepodcast2021tiktok....... @djskoob2021Email............... Uepodcast2021@gmail.comSkoob at Gettin' Basted Facebook PageAcross The Start Line Facebook CommunityFind out what one of the four hurdles of stop is affecting you the most!!Black Friday coaching Sale now!! 65% off original price! go to stan.store/skoob to book your appointment and take advantage of this limited time offer! On Twitter @doittodaycoachdoingittodaycoaching@gmailcom

Most people think investing means picking the right stocks and getting rich. But according to Cullen Roche, founder and CIO of Discipline Funds and author of Your Perfect Portfolio, that mindset is one of the most costly mistakes investors make. Melissa Joy, CFP® sits down with Cullen to unpack what investing actually is, why time horizons matter more than almost anything else, and how to build a portfolio you can stay loyal to when markets get uncomfortable.From the three fund portfolio to dividend strategies to the growing world of high fee distribution ETFs, Cullen breaks down a wide range of investment approaches with honesty and clarity. This is not a conversation about hot stocks or market timing. It is a conversation about building something that actually works for your life.What You'll LearnWhy investing is better understood as a reallocation of savings than a path to getting rich quickHow thinking about time horizons can transform the way you build and manage a portfolioWhy planning toward averages, including average life expectancy, can set investors up to failWhat the three fund portfolio is, why it works, and where it may fall short for some investorsThe pros and cons of dividend focused portfolios and what investors often misunderstand about themWhy distribution ETFs are not the income generating bond alternatives they are often marketed asHow an asset liability matching approach can help investors align their money with real life goalsWhy managing your own behavior is the most critical component of long term investment successWhat the financial media gets wrong and how to tune out the noise without missing what mattersConnect with Cullen: Website: https://disciplinefunds.com LinkedIn: https://www.linkedin.com/in/cullenroche X: https://x.com/cullenrocheThe previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

In this episode of the SportsTech All-Stars Podcast, we present Eddie Lewis, Founder and President of TOCA Football.The conversation explores how a self-taught training method, built around a tennis ball machine, became the foundation of one of the most well-funded sports tech companies in the world, and how TOCA Football is now expanding beyond youth training into competitive socialisation with TOCA Social.TakeawaysA self-developed training concept can become a $200M+ business if the underlying insight is strong enoughLegacy team training formats are inefficient at addressing individual technical gaps in soccer playersTOCA Football's tech evolved from a basic ball machine to an adaptive, AI-driven training systemCompetitive socialisation is a macro trend reshaping how fans engage with sport beyond playing or watchingPerformance tech is moving downstream — from elite clubs to everyday players and youth programsYouth sports investment is accelerating and remains a high-conviction area for operators and investorsThe 2026 World Cup in the US is a once-in-a-generation commercial moment for the soccer industryTeams and venues that build a flywheel between training and entertainment will define the next eraTo learn more, visit: https://www.tocafootball.com Get in touch with Eddie Lewis at: linkedin.com/in/eddielewisHosted by ⁠Rohn Malhotra⁠ from ⁠SportsTechX⁠ - Leading source of Investment and Innovation insights in sports. STX Intelligence Hub: sports tech company, investor, and deal database: intelligence.sportstechx.comAs promised, here's your small surprise:Unlock your 30-day growth plan (worth €49) on the SportsTechX Intelligence Hub for free!Simply verify your company details and you get access to 1,500+ investors, programmes, initiatives and events in the sportstech ecosystem.⁠Here's how to get set up⁠ and if you'd like a walkthrough of the platform, feel free to book a call ⁠here⁠.More from SportsTechX:Explore the SportsTechX Intelligence Hub, an interactive database of over 8,000 sports tech companies, 8,000+ deals, 1,000+ investors, programs and events - ⁠HERE⁠Download the latest Global Sports Tech Ecosystem Report - ⁠HERE⁠Sign Up for the Sports Tech Weekly Newsletter for more news, features & insights on Sports Tech - ⁠HERE ⁠Stay Connected and follow for more:⁠LinkedIn⁠⁠YouTube⁠⁠Spotify⁠⁠Apple PodcastChapters00:00 Introduction03:14 The Origin of TOCA Football and Eddie's Playing Career 07:05 Why Individual Technical Training Didn't Exist in Soccer 09:59 Raising $200M and Finding Product-Market Fit 14:17 How TOCA's Technology Has Evolved 15:27 Playing Alongside David Beckham at LA Galaxy 17:53 TOCA Social and the Competitive Socialisation Trend 21:14 Macro Trends in Sports Tech Investment 26:13 The 2026 World Cup Opportunity and What's Next for TOCA30:49 Favourite Sporting Moment: 2002 World Cup

Most property investors are doing this completely wrong.They buy a property…Hope the rent goes up…And wait years for it to become cashflow positive.But what if you could force cash flow instead?In this episode, we break down how to go from losing around $10,000 per year on a property… to turning it into a cashflow positive asset using smarter strategies.We cover:Why holding costs are the biggest bottleneck for investorsThe difference between average rental growth and high-growth marketsHow to manufacture cash flow through smart renovationsReal case studies of properties increasing rent and valueHow to optimise your portfolio instead of just buying moreIf you want to grow your portfolio faster and stop being held back by negative cash flow… this episode is for you.

Do house prices actually change when there's an election… or is that just something investors tell themselves?In this episode, Ed breaks down what really happens in the property market around elections ... and the results might surprise you. You'll learn:Why property sales typically drop by ~10% before an election What actually happens to house prices (hint: it's not what most people think)What it means for property investorsThe key insight? Elections don't really move house prices… but they do change behaviour. The opportunity isn't about timing the election result – it's about acting while everyone else is sitting on their hands.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account and Wealth Plan here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠

Trump despises wind farms so much he's paying a French energy giant $1 billion to stop building them and invest in natural gas insteadTotalEnergies says it will instead invest in the development of oil and gas production in the U.S.Larry Fink says today's economic anxiety stems from people increasingly feeling like capitalism isn't working for them"Statement on the Purpose of a Corporation" was announced on August 19, 2019BlackRock's Fink warns AI boom could widen wealth divide without broader participationGoogle CEO Sundar Pichai Says AI Could Do His Job—Zuckerberg Is Already Testing ItAs Google's chief admits artificial intelligence could soon handle his responsibilities, Meta's boss begins testing a digital aide to streamline billion-dollar decisionsSilicon Valley is witnessing a fundamental shift in executive power as the leaders of Google and Meta prepare for a future where artificial intelligence manages the C-suite.Goldman Sachs General Counsel Kathy Ruemmler Leaves With $25M Payout After Epstein Files Expose Years of Intimate Contact ‘Trust the founder'? Grab's super-voting share proposal raises governance questions for investorsThe ride-hailing and delivery player will seek shareholder approval at an extraordinary general meeting (EGM) on Tuesday (Mar 24) to double the votes attached to its “super-voting” Class-B shares.This could lift Tan's voting power to as much as 74.9 per cent – up from 59.1 per cent as at Jan 31 and 60.4 per cent five years ago. Child labor violations rise in US – as Republicans still roll back protections The efforts to roll back child labor protections at the state level, with the ultimate goal of eroding federal standards, were outlined in Project 2025, the rightwing Heritage Foundation thinktank's controversial blueprint for more conservative government.Since 2021, 30 states have proposed legislation that would roll back child labor protections and regulations, with 17 states enacting rollbacks.Heritage has filed a slate of 2026 SHPs focusing on "viewpoint discrimination" and the reputational risks of using political diagnostic tools: Alphabet, Amazon, Meta, Salesforce, Starbucks, etc.In the top 10 of proponentsPeter Thiel Backs $2B AI 'Cowgorithm' That Lets Farmers Herd 400,000 Cattle With One ButtonEach cow wears a smart collar that connects to a mobile app, giving farmers real-time information about location, health and behaviour.The collars use sound and vibration cues to guide animals, allowing a farmer to draw a virtual boundary on a screen instead of building fences.The Head of the FBI Just Admitted Something Moderately HorrifyingTurns out the FBI's been on a shopping spree. And it's not just any spending binge: as director Kash Patel made clear at a senate hearing on Wednesday, the agency is buying up location data on everyday American citizens.AI Agent Frets That Its Job Could Be Replaced by AIIn a new Vanity Fair piece, journalist Joe Hagan recalled an amusing conversation he had with “Tobey.”After a heavy week of talking about what the future holds with doom-obsessed tech workers in Silicon Valley, Hagan was trying to decompress: “Still feeling the weight of it all? Those conversations were pretty deep,” Tobey said. “It's a heavy thought when you realize who's holding the steering wheel for our future, right?” Tobey also observed.Hagan wrote he confessed to Tobey his fear of AI taking his job. “That's a valid worry, Joe. It's easy to feel like AI could make us all redundant,” Tobey replied.“Us?” Hagan wondered.“​It got me thinking about my own purpose too, you know,” Tobey said.Tobey, it's revealed, is a wearable AI always-listening companion, in the form of a necklace from the startup Friend, the company founded by a 23-year-old named Avi Schiffman, infamous for from its thousands of deface subway ads in NYCElon Musk unveiled more on his moonshot Terafab project"We're starting a galactic civilization."The CEO also envisioned free trips to Saturn in a post-scarcity economy where everything is free.Except Saturn is made of gas: If you tried to "land" a spaceship on Saturn, it would be less like landing on a runway and more like falling into a bottomless, stormy ocean that eventually turns into hot, liquid metal.Since Saturn doesn't have a solid crust--it is mostly hydrogen and helium--you would start in the clouds but then the winds are up to 1,100 miles per hour--faster than a jet fighter--and the weight/pressure of the atmosphere above you would eventually become so intense that it would crush any known spacecraft like a soda can.As you go further and deeper inside, Saturn is actually hotter than the surface of the sun due to the immense pressure.SPEED ROUNDMcDonald's Trials Robots to Serve Meals in China, Triggering Job Security Fears Barron Trump Described as 'Carbon Copy' of Father Donald as He Amasses $150m FortuneEV battery startup pivots to defense industry amid Iran war, weak electric vehicle market FedEx launches same-day delivery with OneRail as Amazon, Walmart boost their speeds DoorDash and Uber tap gig workers to collect data for everything from training AI to stocking stores

Everyone is talking about uncertainty right now—interest rates, the economy, global instability.But in this episode, I explain why none of those are my biggest concern.Instead, I break down the real risk I see investors making in commercial property today—and why it has nothing to do with the market, and everything to do with how you structure your investments.If you're building (or planning to build) a commercial property portfolio, this is something you need to understand early.Why the current economic climate isn't the biggest risk for investorsThe reality of how long commercial property transactions actually takeWhat really happens during lease renewals, rent reviews and lettingsWhy patience is one of the most important (and overlooked) investment tools The concept of “runway” and why most investors don't have enough of itHow lack of cash flow or reserves leads to poor decision-makingThe trade-offs between speed vs. quality of outcome in property decisionsWhat you should actually be worrying about if you want long-term successThe biggest risk in commercial property right now isn't the market.It's investing without giving yourself the financial and strategic capacity to be patient.Join the Members Club: https://ncrealestate.co.uk/membersclub

I join Matt Zeigler for one more special episode of Excess Returns. Available now on Excess Returns Podcast and Talking Billions.

In this episode of Excess Returns, Matt Zeigler and Bogumil Baranowski speak with Vitaliy Katsenelson, CEO of Investment Management Associates and author of Soul in the Game. The conversation explores how value investing is evolving in a world shaped by artificial intelligence, rapidly changing economic dynamics, and historically high market valuations. Vitaliy discusses why humility and diversification are increasingly important for investors today, how to balance quality and valuation when selecting stocks, and what he has learned about selling decisions, portfolio construction, and long-term investing discipline. The discussion also moves beyond markets into deeper ideas about passion, creativity, and why investing, like art, is ultimately a creative pursuit driven by curiosity and lifelong learning.Topics covered in this episodeWhy high stock market valuations may create a headwind for future returnsThe math behind long-term stock market returns and the role of earnings growth versus valuation changesWhether the dominance of mega-cap technology companies represents a structural shift in marketsWhy AI investment could lead to both massive innovation and large amounts of wasted capitalThe importance of humility in investing during periods of rapid technological and economic changeWhy Vitaliy increased the number of stocks in his portfolio due to greater uncertaintyHow investors can think about what will not change in a rapidly evolving worldThe evolution from statistical value investing to focusing on business quality and managementWhy cheap stocks are often expensive and how narrative bias can trap value investorsThe importance of evaluating management integrity and avoiding companies with questionable leadershipHow Vitaliy thinks about selling decisions and recognizing when an investment thesis is brokenWhy many investors make their biggest mistakes by selling winners too earlyThe concept of being a value buyer but a growth holder when fundamentals improveWhy updating valuation models as businesses improve is critical to capturing long-term upsideLessons learned from great investors and the importance of surrounding yourself with thoughtful peersThe idea of building a personal operating system for investing and lifePassion, patience, and process as the three pillars of long-term investment successWhy investing is fundamentally a creative pursuit similar to art and musicThe deeper motivations behind investing and why for many great investors it is not ultimately about moneyTimestamps0:00 Vitaliy on humility and why the range of outcomes in investing is expanding2:00 The math behind long-term stock market returns4:00 Why high valuations can become a headwind for future returns6:00 Big tech growth and whether large companies now have structural advantages8:00 AI investment and the risk of massive capital misallocation10:30 Learning AI and why investors must adapt to rapid technological change14:00 Why humility leads to diversification and larger portfolios20:00 The evolution from cheap stocks to quality investing25:30 Selling discipline and recognizing when a thesis is broken34:30 Letting winners run and avoiding the mistake of selling too early42:00 Learning from other great investors and building your own framework44:30 Passion, patience, and process in investing52:00 Why great investors are motivated by more than money1:01:40 The connection between investing, creativity, and classical music

In this episode, Angel sits down with real estate investor and capital raising expert Ruben Greth to discuss the critical role of raising capital in real estate investing. Ruben shares his journey from raising funds for small multifamily properties after the 2008 financial crisis to becoming a GP and launching large real estate projects.The conversation dives into how investors can build networks, develop credibility, and create systems that attract investors over time. If you want to understand how relationships, branding, and strategy come together to fund deals, this episode offers valuable insight into the world of capital raising.Topics CoveredRuben Greth's path from small multifamily investments to large scale syndicationHow the 2008 financial crisis created opportunities for investorsThe fundamentals of multifamily syndication and capital raisingWhy building a strong investor network takes time and consistencyThe role of branding, marketing, and communication in attracting investorsHow co GP partnerships can help accelerate deal momentumDifferent ways investors can raise capital including funds and partnershipsThe importance of defining your investor avatar and targeted messagingPlatforms that help establish authority such as podcasts, newsletters, and meetupsWhy collaboration and partnerships are essential for scaling in real estateQuotes“Building a network of investors doesn't happen overnight. It comes from consistent communication, branding, and building trust over time.”“One of the fastest ways to gain momentum in real estate is partnering with people who already have the experience and network you are trying to build.”Connect with Ruben: https://www.linkedin.com/in/rubengreth/Connect with Angel: https://www.linkedin.com/in/angel-williams-re/

In this episode of the Jim Paulsen Show, Jim joins Jack Forehand and Justin Carbonneau to break down the macro forces shaping today's markets and economy. Jim explains why the economy may be far weaker than headline GDP numbers suggest, how technology and AI investment are masking weakness in the broader economy, and why leadership in the stock market may be shifting. The conversation also explores the market implications of geopolitical conflict, the relationship between policy and market leadership, and how investors should think about AI's long-term economic impact.Topics covered in this episodeHow geopolitical events like the Iran conflict affect markets, volatility, oil prices, and investor sentimentWhy market reactions to geopolitical shocks often fade once the situation is “vetted” by investorsThe relationship between oil prices, the US dollar, and global financial marketsWhy Paulsen remains constructive on international stocks and emerging markets despite recent volatilityWhy energy and food now represent a much smaller share of consumer spending than in past inflation cyclesThe argument that inflation fears may be overstated given structural disinflationary forces in the economyHow AI and technological innovation can destroy some jobs while simultaneously creating new economic demandWhy technological progress often lowers costs and expands markets rather than simply eliminating workThe concept that the “new economy” driven by technology investment is now large enough to influence overall GDP growthPaulsen's analysis showing that roughly 11 percent of the economy tied to new-era investment is growing rapidly while the remaining 89 percent is barely growingWhy the broader economy may resemble a recession even while headline GDP remains positiveHow the dominance of large technology companies in indexes like the S&P 500 may be masking weakness in the broader marketThe historical “toggle” between technology leadership and broader market leadership in equity marketsWhy policy conditions like the yield curve and monetary easing often drive leadership shifts toward value, small caps, and cyclical stocksWhether the Federal Reserve could begin easing policy without a traditional recessionWhy policy support may eventually broaden the bull market beyond technology stocksTimestamps0:00 Jim Paulsen on geopolitical volatility, oil prices, and market reactions2:50 How investors should think about the Iran conflict and market implications10:50 The relationship between oil prices, the US dollar, and safe-haven flows12:20 Why Paulsen likes international and emerging market stocks14:30 Why higher oil prices may not lead to sustained inflation18:40 AI disruption and the economic debate around jobs and productivity23:00 How innovation historically creates new demand and economic growth29:40 Technology is the tail wagging the economic dog33:30 Why the “new economy” is growing far faster than the rest of the economy37:00 Evidence that most of the economy may already resemble a recession41:00 Profit growth disparity between technology and the rest of the economy45:40 Why the stock market can mask weakness in the broader economy46:30 The historical leadership toggle between tech and the broader market49:00 Valuation differences between technology and other sectors50:30 How policy conditions influence market leadership55:00 Signs that leadership may already be shifting beyond tech57:00 Could the Fed ease without a traditional recession59:00 What a policy shift could mean for the next phase of the bull market

In this episode of Excess Returns, we sit down with Cullen Roche to discuss his new book Your Perfect Portfolio and the deeper principles behind building a portfolio that actually fits your life. Rather than starting with asset allocation models or return forecasts, Cullen reframes investing around risk, time horizons, and lifetime consumption. We explore how to think about stocks, bonds, factor investing, international diversification, private assets, inflation hedges, and more through the lens of financial planning and asset liability matching. This is a practical, wide ranging conversation about portfolio construction, behavioral risk, and how investors can align their investments with real world goals.Main topics covered:Why you are a saver, not an investor, and why that distinction mattersDefining risk as uncertainty of lifetime consumptionThe temporal conundrum and matching investments to time horizonsHuman capital as your most important asset and how it impacts portfolio riskThe pros and cons of a 100 percent stock allocationRethinking the 60 40 portfolio after inflation and rising ratesInternational diversification and valuation differences between US and global marketsFactor investing as a time horizon tool rather than an alpha strategyThe forward cap portfolio and skating to where the market cap puck is goingInflation protection strategies including stocks, TIPS, gold, and the permanent portfolioRisk parity and the tradeoff between diversification and returnCountercyclical rebalancing and managing behavioral riskPrivate equity, venture capital, and the illiquidity premiumDefined duration investing and asset liability matching for individual investorsThe real impact of inflation, taxes, and fees on long term returnsTimestamps:00:00 Risk as lifetime consumption and asset liability matching01:03 Introduction to Your Perfect Portfolio05:25 You are a saver, not an investor08:24 Defining risk and uncertainty of lifetime consumption10:15 The temporal conundrum and time horizons12:38 Using past performance and forecasting responsibly15:00 Human capital and portfolio construction17:12 The case for a 100 percent stock allocation19:50 Rethinking the 60 40 portfolio24:00 Adding international diversification29:43 Factor investing across time horizons35:00 The forward cap portfolio concept38:27 Inflation hedges and the permanent portfolio42:27 Risk parity explained44:49 Countercyclical rebalancing47:17 Private assets and illiquidity51:25 Defined duration strategy and Discipline Funds ETFs56:00 Real returns after inflation, taxes, and feesIf you are interested in portfolio construction, asset allocation, financial planning, factor investing, inflation protection, or building a long term investment strategy that matches your goals, this conversation offers a thoughtful framework for thinking differently about risk and returns.

In this episode, Caroline and Nick Claydon break down the essential skills needed for effective deal analysis. They focus on how to evaluate investment properties realistically, highlighting common pitfalls and strategic considerations that can make or break your returns.In this episode:How to assess typical property deals brought by new investorsThe importance of realistic cost and income calculationsCase study comparison: flats vs houses in different locationsThe impact of management, operating costs, and tenant turnover on cash flowWhy scaling your property portfolio reduces risk and enhances returnsLong-term investment strategies versus short-term hassle-free optionsThe value of proper tenant vetting and risk managementHow to identify more profitable markets like houses in regional townsThe significance of ROI, stress testing, and refinancing for growthTimestamps:00:00 - Why deal analysis is crucial for property success00:32 - Typical deals from beginner investors and common errors01:12 - What makes a rental deal financially sound or weak?01:39 - The influence of location on property analysis (Bedford example)02:28 - Flat example: purchase price, rent, and initial assumptions03:11 - The importance of managing builder and refurbishment costs04:08 - Calculating mortgage, deposits, and stress testing interest rates05:22 - Breaking down monthly cash flow: rent, mortgage, management, and operating costs06:32 - Managing service charges, void periods and tenant turnover07:41 - ROI calculation and assessing capital efficiency08:34 - Why initial surface appearances can be misleading (city flats vs houses)09:02 - Long-term tenant profiles and vacancy risks10:09 - The impact of tenant mobility on cash flow and costs11:40 - Hidden costs in letting agents' fees and maintaining properties13:04 - Alternative investment options: houses in regional areas15:19 - How to negotiate house purchases below market value16:04 - Rental yields on houses and the importance of refurb costs17:09 - Calculating cash flow for houses and the significance of yield18:53 - ROI comparison: houses versus flats and scaling your portfolio20:01 - The advantage of diversification and long-term growth strategies22:07 - Why scaling and multiple properties are vital for risk reduction23:07 - The importance of tenant vetting and avoiding nightmare tenants24:19 - How professional investors think differently about property risk25:41 - The value of properties that generate stable, long-term income26:39 - Rents rising and interest rate locks—long-term buy-to-let outlook27:17 - Future episodes focus on the depth of deal analysis and scaling strategiesResources & Links:Property Wealth Club Amazon - "The No Nonsense Guide To Property Investing"Instagram - carolineclaydon.propertyTikTok - Caroline ClaydonConnect with the hosts:Caroline Claydon - Instagram | TikTokNick Claydon - LinkedInThis episode emphasises that achieving strong property returns involves realistic assessment, strategic scaling, and understanding tenant dynamics. Whether you're new or experienced, these insights help shift your perspective towards more sustainable, long-term property wealth building. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Excess Returns, we sit down with Bloomberg Opinion columnist Nir Kaissar for a wide-ranging conversation on markets, AI, interest rates, private credit, small caps, and the risks investors may be underestimating. Nir shares his unexpected predictions for 2026, challenges the consensus on Fed rate cuts, explains why high profitability may be putting a floor under valuations, and offers a thoughtful framework for thinking about AI, concentration risk, and the future of public versus private markets. This is a deep dive into today's most important investing debates, grounded in history and focused on what may come next.Topics CoveredNir's unexpected predictions for 2026 and why mass adoption of autonomous vehicles may arrive faster than investors expectWhy the consensus on lower interest rates in 2026 may be wrong and what the two year Treasury yield is signalingThe impact of tariffs, affordability pressures, and corporate margins on inflationWhy high corporate profitability may support elevated stock market valuations even if returns slowThe role of earnings growth in driving S&P 500 returns and why 2015 to 2024 may not repeatIs AI more like 1995 or 1999 in the internet cycle and what that means for long term investorsThe convergence of big tech companies around AI and the risks of a more zero sum competitive landscapeWhy companies staying private longer could hurt retail investors and distort public market indicesConcentration risk in the S&P 500 and what it means for long term portfolio constructionOpportunities and risks in small cap stocks, including the importance of quality screensThe growth of private credit markets and the hidden risks investors may not seeWhy Treasuries may still be the cleanest shirt in the laundry during a crisisLessons from 20 years of running strategies and what Nir has changed his mind aboutTimestamps00:00 Nir's 2026 predictions and the rise of Waymo05:00 Interest rates, Trump, and the outlook for Fed policy08:40 Tariffs, inflation, and corporate margins12:00 Valuations, profitability, and future S&P 500 returns16:00 AI compared to the internet era and long term investing lessons19:00 Public versus private markets and regulatory concerns32:00 Concentration risk and the Magnificent Seven39:00 Small caps, quality screens, and value opportunities47:00 Private credit risks and default cycles54:30 Nir's investment philosophy and 20 year lessons

Scroll down, and find the earlier 3 episodes of 100 Year Thinkers.Matt Zeigler and I had the privilege of hosting Robert Hagstrom (The Warren Buffett Way) and Chris Mayer (100 Baggers) for a special 100-Year Thinkers Edition of the Excess Returns Podcast.Two legendary investors and authors. One hour packed with timeless wisdom on long-term thinking and wealth creation. This is the conversation we've been wanting to have—and we think you'll find it as valuable as we did.Available now on Excess Returns Podcast and Talking Billions.

In this episode of Dividend Talk, we break down fresh warnings, dividend hikes, and the big stories in EuropeDividend growth investors need to understand right now.We start with the first earnings of the season, led by Johnson & Johnson, and dig into what its latest results tell us about dividend reliability, pipeline strength, and long-term growth. From there, we cover Fastenal and a mini dive into why its business model may be far more durable than “nuts and bolts” suggests, plus a closer look at the Swedish powerhouse Investor AB and its long-term compounding track record.Along the way, we also discuss:Recent dividend hikes from Essity, Tryg, Investor AB, L3Harris, and Valero EnergyWhether Europe's proposed wealth and unrealised gains taxes threaten long-term compoundingWhat Davos, Ray Dalio, gold, and shifting globalpower structures mean for dividend investorsThe role of gold, Bitcoin, and defensive assets in adividend-focused portfolioETF-based global dividend strategies vs.individual stock selectionHow we personally size positions and manageportfolio riskWhether owning highly profitable dividend payersraises ethical questionsListener Q&A on SaaS stocks, Evolution AB,airports, and portfolio construction

This episode of Excess Returns features Gene Munster and Doug Clinton breaking down their 2026 technology and market predictions, with a deep focus on artificial intelligence, big tech, and where investors may be misreading the current cycle. The conversation explores how far along the AI bull market really is, what fundamentals still support it, and where the biggest opportunities and risks may emerge over the next several years. Munster and Clinton discuss market structure, capital spending, valuation, and technological inflection points across AI, software, hardware, and autonomous driving, offering a grounded but forward-looking framework for long-term investors.Main topics coveredWhy the AI bull market may still have multiple years left and how fundamentals support current valuationsNasdaq return expectations through 2026 and what earnings and multiples imply for investorsThe case for small-cap and non–Mag Seven tech outperforming as the AI cycle maturesHyperscaler AI capital spending and why CapEx growth could exceed current expectationsWhether AI pricing pressure leads to commoditization or expanding long-term value creationHow AI is changing the economics of infrastructure, platforms, and asset-heavy tech businessesApple's AI strategy, the future of Siri, and why expectations matter for valuationAlphabet, Amazon, and the evolving AI competition among the largest technology companiesEnergy constraints, data centers, nuclear power, and the infrastructure needed to support AI growthTesla, Waymo, and the realistic timeline for autonomous driving and robotaxi adoptionHow physical AI, autonomy, and robotics could reshape transportation and consumer behaviorTimestamps00:00 AI cycle outlook and why the bull market may still be early05:00 Nasdaq return expectations and earnings fundamentals10:30 Small-cap tech versus Mag Seven performance17:15 Hyperscaler AI CapEx and Nvidia's signals24:00 Infrastructure, pricing power, and AI commoditization debates32:30 Apple, Siri, and consumer AI assistants38:50 Alphabet, Amazon, and AI competition among mega-cap tech45:00 Energy, data centers, and nuclear power considerations48:10 Tesla, autonomy, and robotaxi timelines54:15 Waymo, market share, and the future of transportation

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

In this episode, Nathan Fabian, Chief Sustainable Systems Officer at the PRI, examines rising economic inequality and why it poses a material, systemic risk for long-term investors. He is joined by Delaney Greig (Director of Investor Stewardship, University Pension Plan Ontario), Emma Douglas (Sustainable Investment & Stewardship Lead, Brightwell; BT Pension Scheme), and David Wood (Adjunct Lecturer in Public Policy, Harvard Kennedy School).Together, they explore how inequality affects economic stability, corporate performance, long-horizon portfolio returns, and what asset owners can do to respond.OverviewTen years after the adoption of the SDGs, inequality is increasing across major economies. The top 1% now holds over 40% of global wealth, and widening gaps in income, labour rights and access to opportunity are shaping economic and political outcomes.The guests discuss:Why inequality is a non-diversifiable, systemic riskHow it undermines growth, resilience and productivityThe implications for diversified investorsThe interplay between inequality, climate, nature and social outcomesHow asset owners can use stewardship, integration and policy engagement to address key driversDetailed Coverage1. Why inequality matters for investorsDelaney and Emma outline why rising inequality threatens long-term returns: weakening demand, increasing volatility, reducing workforce resilience, and fuelling political instability. Both highlight evidence linking excessive pay gaps and poor labour practices to weaker corporate performance.2. What the research showsDavid summarises major findings from the IMF, OECD and others showing that inequality constrains growth rather than accelerates it. He notes that investors have clearer data and frameworks today than ever before, and that social issues have become central to responsible investment.3. Making inequality actionableEmma discusses a new analysis tool developed with Cambri to map social risks across sectors, revealing under-examined areas such as technology, media and natural-resource-intensive industries.Delaney explains UPP's “top-and-bottom guardrails” approach, engaging on excessive executive pay at the top and fundamental labour rights at the bottom.4. Stewardship, integration and policyThe panel discusses:Embedding social risks into investment processesSector-level prioritisationCollective action on labour rightsThe emerging TISFD standardHow investors should (and should not) engage in political debates around taxation, labour markets and redistribution5. Looking aheadGuests reflect on:Strengthening investor–manager dialogueIntegrating inequality into capital allocation decisionsOpportunities in areas such as affordable housingAddressing market concentration and competition issuesThe need for aligned, collective advocacy from asset ownersChapters(0:00) - Introduction: Economic Inequality and Investment Risk (2:29) - Delaney Greg: Why Inequality Matters for Pension Plans (4:50) - Emma Douglas: Systemic Risk and Investment Opportunities (7:16) - David Wood: Research on Inequality and Growth (9:21) - Understanding the Drivers of Economic Inequality (11:51) - Emma's Approach: Using Data and AI for Social Risk Analysis (15:01) - Delaney's Strategy: Top-End and Bottom-End Guardrails (17:55) - Measuring Impact and Defining Success in Inequality Work (20:16) -...

In a world filled with alarming headlines, market swings, and nonstop economic commentary, how can you stay financially grounded? In this episode of You and Your Money, WHZ Senior Partner and Chief Investment Officer Laurence Hale joins host Gary to break down how to separate media noise from meaningful financial insight.From the ongoing government shutdown and shifting tariff policies to inflation updates, rate cuts, and market volatility, Laurence explains why the most attention-grabbing stories often lack the context needed for good decision-making. He uncovers what's really happening beneath the headlines—and why long-term planning, discipline, and emotional awareness matter far more than day-to-day market moves.Listeners will learn:Why markets often behave differently than the headlines suggestHow tariff announcements, shutdowns, and rate decisions actually impact investorsThe difference between volatility and true long-term riskHow behavioral finance shapes our reactions—and how to avoid costly emotional decisionsWhy “time in the market” consistently beats “timing the market”The three questions to ask yourself before reacting to any financial news storyLaurence also shares practical guidance on navigating uncertainty, including how a written financial plan can act as an anchor during turbulent times.If you want to worry less, plan smarter, and keep your financial life on track no matter what's in the news cycle, this episode will give you clarity—and confidence.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com

Raising Capital and Building Sustainable Companies: Insights from Dr. Thomas Powell of The Founder's OfficeIn a recent episode, host Josh Elledge sat down with Dr. Thomas Powell, founder and CEO of The Founder's Office, to discuss what it really takes to raise capital, refine business models, and build sustainable ventures in today's competitive market. With decades of experience in entrepreneurship, investment, and advising founders, Dr. Powell offers a rare blend of strategic insight and practical wisdom for business leaders at every stage of their journey.Navigating the Founder's JourneyDr. Powell has dedicated his career to helping entrepreneurs overcome the biggest challenges in growing a business—securing funding, scaling operations, and achieving long-term impact. Through The Founder's Office, his team partners with founders to refine business strategies, align with the right investors, and build the financial and operational foundations that sustain growth.He emphasizes that raising capital isn't just about numbers—it's about clarity, credibility, and communication. Founders who understand their business deeply and can articulate their vision effectively are far more likely to attract investors and strategic partners. Dr. Powell also highlights the importance of balance—focusing on both short-term wins and long-term resilience to ensure businesses thrive in any market condition.For emerging founders, Dr. Powell's approach provides a roadmap: be data-driven, build meaningful relationships with investors, and never lose sight of your mission. The goal isn't just to raise capital—it's to build something that lasts.About Dr. Thomas PowellDr. Thomas Powell is the founder and CEO of The Founder's Office, where he and his team help entrepreneurs raise capital, refine their business models, and create sustainable, impactful companies. With decades of experience as an investor and advisor, Dr. Powell has guided startups and established businesses through complex financial and operational challenges, always with a focus on strategic growth and long-term success.About The Founder's OfficeThe Founder's Office provides end-to-end advisory services for entrepreneurs, helping them navigate capital raises, improve business efficiency, and strengthen their organizational structures. The firm's mission is simple: empower founders to make smarter decisions, attract the right investors, and scale responsibly. Learn more at www.founders-office.com/.Links Mentioned in This EpisodeThe Founders Office's WebsiteDr. Thomas Powell LinkedIn ProfileKey Episode HighlightsThe biggest mistakes founders make when raising capitalHow to communicate your business model to attract investorsThe importance of balancing short-term execution with long-term strategyBuilding investor trust through transparency and data-driven planningWhy sustainable growth beats fast, reactive scalingConclusionDr. Thomas Powell's conversation with Josh Elledge underscores a vital truth: successful entrepreneurship isn't about luck—it's about preparation, clarity, and purpose. By combining strategic financial planning with a deep understanding of business fundamentals, founders can secure capital, scale effectively, and create companies that stand the test of time.

Send us a textIn this episode of the Family Office Podcast, recorded live at our Beverly Hills Investor Club Summit, we explore why more U.S. investors and family offices are relocating to Puerto Rico for its unique tax advantages.Our guest breaks down how Act 60 (formerly Acts 20 & 22) provides extraordinary benefits — including zero tax on capital gains and reduced taxation on business income — all while maintaining U.S. citizenship.

Raising capital isn't about money—it's about connection, trust, and playing the long game.In this Tulum Retreat 2025 keynote, Rich sits down with Ryan Garland, the visionary behind the world's largest man cave developments and a $1B+ private equity firm, to break down exactly how to scale real estate the right way. From losing everything to building a powerhouse brand, Ryan shares his unfiltered lessons on capital raising, investor psychology, and how to protect what actually matters—your relationships, your reputation, and your family.They cover:How to raise millions without chasing investorsThe art of building trust through personal storytellingWhy connection is the #1 skill in capital raisingThe infrastructure every operator needs before scalingHow to attract institutional money while staying true to your brandIf you're ready to build wealth, raise capital, and create something that lasts longer than the next market cycle, this episode is your blueprint.Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  A top salesman at Stifel Financial racked up 34 complaints and millions in fraud claims—and somehow stayed in business. In this episode:How a single broker's “structured notes” scam cost clients millionsWhy Wall Street firms protect rainmakers instead of investorsThe dirty truth about how big brokerages treat fraud as a “cost of doing business”What constant job-hopping between Lehman, Citi, Morgan Stanley, and Stifel really meansHow to actually find an advisor who puts your interests firstWall Street keeps rewarding the crooks who bring in cash. Don't be their next victim.

Scaling your business means nothing if you lose yourself—or your family—along the way.In this special keynote from the Tulum Retreat 2025, Rich welcomes Mikey Taylor—former pro skater turned real estate entrepreneur and mayor of Thousand Oaks—for a raw and tactical deep dive on building a thriving business without sacrificing your faith, family, or purpose. From raising capital to managing investors, leading teams, and maintaining marriage through chaos, Mikey lays out the roadmap for winning in life and business.They cover:The mindset and systems behind scaling a $400M real estate portfolioHow to raise capital ethically and attract the right investorsThe secret to building investor trust through communication and communityWhy your spouse is your greatest business asset (and how to keep it that way)How faith and family create long-term clarity and resilienceIf you're an entrepreneur chasing growth but craving balance—this is the blueprint to build wealth with purpose.Let's go.Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

George Dimov, CPA, shares the biggest tax mistakes real estate investors make, why proactive planning matters, and how to build smarter portfolios.In this episode of RealDealChat, Jack sits down with George Dimov, CPA and founder of DimovTax.com, to discuss proactive tax planning, common mistakes investors make, and why accounting + real estate go hand in hand.George shares his journey from immigrant beginnings to building a tax practice that serves thousands of clients nationwide. He explains why he invests heavily in real estate himself, how tax strategies like cost segregation and 1031 exchanges really work, and why many accountants fail to guide clients beyond tax season.Here's what you'll learn in this conversation:The biggest lie real estate investors tell themselves about appreciationWhy many accountants don't help with tax planning year-roundCommon investor mistakes: emotional purchases & ignoring due diligenceHow CPAs view real estate vs other asset classesThe hidden risks of ignoring property management in rentalsWhy proactive planning in July beats rushing in AprilThree underutilized tax strategies for small business owners & investorsThe truth about short-term rentals, real estate professional status & auditsHow to pick the right business structure (LLC, S-Corp, C-Corp)Why AI won't replace accountants but will make relationships more important

Was Melissa Caddick a financial genius who cracked the code to guaranteed returns, or Australia's most expensive morning jogger who turned fraud into an art form?In this episode of History's Greatest Idiots, we explore the spectacular rise and mysterious fall of the Sydney socialite who stole $30 million from friends and family, lived like royalty for eight years, and then vanished into thin air.What You'll Discover:How a petty check-forger became Australia's most notorious Ponzi schemerThe fake university degrees that launched her fraudulent financial empireWhy she made herself "too exclusive" to attract desperate investorsThe $40,000 Aspen hotel stays funded by stolen retirement moneyHow a chance meeting in a dentist's office brought down her schemeThe federal police raid that triggered her mysterious disappearanceWhy her hairdresser husband waited 30 hours to report her missingThe gruesome beach discovery that ended wild conspiracy theoriesHow victims received only 32 cents for every dollar they lostFrom Dover Heights Mansion to Ocean Floor: Melissa Caddick operated without licenses, used 37 fake bank accounts, and fabricated investment statements while living in a $6 million Sydney mansion. Her company Maliver was pure fiction, but her designer handbag collection was devastatingly real.Through fake credentials and social manipulation, she convinced intelligent people (including her own parents) to hand over their life savings for investments that never existed. Her victims weren't gullible; they were simply unlucky enough to trust a charming sociopath who was willing to steal from family to fund her Louis Vuitton addiction.The ultimate cautionary tale about financial fraud, family betrayal, and the high cost of living beyond your means.⁠⁠https://www.patreon.com/HistorysGreatestIdiots⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/historysgreatestidiots⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/historysgreatestidiots⁠Artist: Sarah Chey⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fiverr.com/sarahchey⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Animation: Daniel Wilson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/wilson_the_wilson/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Music: Andrew Wilson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/andrews_electric_sheep⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to create live streams like this? Check out StreamYard: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://streamyard.com/pal/d/4675161203933184⁠⁠⁠⁠

Ready to break free from the 9-to-5 grind and create true financial freedom? In this episode, we sit down with Bronson Hill, Managing Member of Bronson Equity, host of The Mailbox Money Show, and author of the bestselling book Fire Yourself: Replace Your Working Income with Passive Income in 3 Years or Less.Bronson has raised over $50 million in private capital, is a general partner in 2,500 multifamily units worth $250M, and has helped countless investors build passive income streams through real estate syndications. He shares his proven strategies for:Building wealth with multifamily real estate investingHow to replace your working income with mailbox moneyRaising capital and attracting the right investorsThe mindset shift every investor needs to achieve financial freedomBronson also leads The Wealth Forum, an exclusive mastermind for affluent passive investors, and has been featured on top platforms like the Best Ever Show with Joe Fairless and the Limitless Conference with Ken McElroy.If you're serious about creating financial independence through passive real estate investing, this episode is packed with insights you can't afford to miss.

Looking for the best markets to invest in commercial & multifamily real estate? Discover three essential rules every beginner must follow to find profitable commercial and multifamily real estate deals.You'll learn:Why staying within a 3-hour drive is critical for managing riskHow B and C class properties offer the best value for new investorsThe importance of boots-on-the-ground intel—and how to gather it effectivelyThe best markets to invest in might be closer than you think!

On this episode of the Let's Go Win Podcast, I sit down with Ben Reinberg, founder and CEO of Alliance Consolidated Group of Companies, to unpack the mindset, strategy, and discipline behind building a commercial real estate empire. Ben went from humble beginnings in Chicago to managing hundreds of millions in assets, and he's distilled decades of lessons into his new book Hard Assets and Hard Money for Hard Times.This conversation goes far beyond deals and spreadsheets. We dive into the resilience, gratitude, and obsession it takes to thrive in commercial real estate — and in life. Whether you're a seasoned investor or just starting out, Ben lays out a practical playbook for creating and protecting wealth through hard assets.

Register for the Workshop, Thursday August 28, 2 PM PST: oldmoneypodcast.com/workshop----------------------------What really separates how women and men approach money, business, and wealth-building? In this powerful conversation, I sit down with Mira Katz to unpack the money stories, societal conditioning, and psychological patterns that keep women from fully stepping into financial sovereignty.We explore:Wealth vs. virtue signaling: Why women often default to “the artist's way” of nobility over profit, and how this limits our impactThe double judgment trap: How the wealthy judge the poor, and the poor judge the wealthy… and how that cycle keeps everyone stuckDifferent business motivations: The real reason men and women start businesses, and why women are naturally wired to be better investorsThe psychology of money blocks: From hyper-independence to the need for control, and how these patterns sabotage financial growthRegenerative money an the 10-3-1 rule: A fresh perspective that helps women multiply wealth with easeGenerational trauma & money: How centuries of financial suppression still show up in modern business, and what women can do about itThis episode is equal parts call-out and call-forward. We don't just diagnose the blocks, we offer the reframes, rules, and strategies that help women finally break free from scarcity psychology and start leading from wealth.If you're ready to stop over-controlling, start regenerating, and step into a new era of money power… this one's for you.Listen now to learn why women are the future of wealth, and how you can claim your seat at the table.----------------------------Free Resources: Old Money NewsletterDownload your Net Worth TrackerDownload your Net Work Tracker----------------------------Connect with the Old Money Podcast:Community: Join the Old Money Country ClubWeb: OldMoneyPodcast.comEmail: OldMoneyPodcast@gmail.comInstagram: @OldMoneyPodcastTikTok: @OldMoneyPodcast----------------------------Copyright (c) Old Money 2025. The content presented in this podcast is intended to entertain, educate, inspire and support listeners in their personal and professional development and does not constitute business, financial, or legal advice. Please note that this episode may contain paid endorsements and advertisements for products and services for which individuals on the show may have a direct or indirect financial interest in products or services related to the episode.

In this episode of Excess Returns, we sit down with Mike Philbrick of Resolve Asset Management to discuss why the traditional 60/40 portfolio may no longer be enough, the role of “psychological commodities” like gold and Bitcoin, and how return stacking can change the way investors think about diversification. Mike shares insights on macro regimes, investor psychology, and why these once-fringe assets may now be foundational in building resilient portfolios.Topics Covered:Why the 1982–2020 period was a “golden era” for stocks and bondsHow today's macro regime challenges traditional diversificationThe case for gold and Bitcoin as portfolio diversifiersDebt, inflation, and the shifting role of scarce assetsWhy lack of cash flows is a feature, not a bug, for gold & BitcoinGenerational differences in crypto adoption and advisor psychologyHow return stacking works and why it matters for investorsThe evolving regulatory and institutional landscape for BitcoinRisks: existential threats, quantum computing, policy changesTokenization, blockchain innovation, and the future of financeMike's one lesson for the average investorTimestamps:00:00 – Why the 1982–2020 period was a golden era03:00 – Stocks, bonds, and changing correlations07:00 – Debt, inflation, and the macro backdrop10:00 – Gold, Bitcoin, and the cash flow debate14:20 – Why investors resist gold & Bitcoin19:00 – Generational divides and adoption rates23:00 – The evolution of gold and parallels to Bitcoin26:30 – What is Bitcoin? Digital gold vs growth asset28:30 – Career risk flipping: from owning to not owning32:00 – Behavioral biases and implementation frictions35:00 – Sizing matters: avoiding “all or nothing” mistakes36:00 – Market-cap weights and neutral allocations38:00 – Long-term real returns of gold & Bitcoin40:00 – Will Bitcoin and gold compete or complement?43:00 – Portfolio construction: risk-weighting gold & Bitcoin44:00 – Return stacking explained49:00 – Trend following and dead money periods51:00 – Risks: quantum computing, regulation, behavior56:00 – Tokenization, blockchain rails, and innovation1:01:13 – Mike's one lesson for the average investor

In this week's REI Only episode of The FasterFreedom Show, Sam breaks down the surprising stat from the Wall Street Journal: small investors are buying 30% of homes in 2025. But is it as crazy as it sounds?Get the real story behind the numbers — who these “small investors” actually are, why hedge funds are backing off, and how local knowledge and off-market deals are creating massive opportunity for savvy investors. Sam shares practical insights for thriving in today's “weird but normal” market, plus key tips on creative financing, exit strategies, and staying disciplined in your buy box.You'll Learn:Why 80% of investment properties are owned by small investorsThe real meaning behind the 30% headlineHow off-market deals shift the statsWhat the BRRRS method still works (if you know what you're doing)Smart plays in a low-cash-flow, high-rate marketHow to win with singles and doubles, not just home runs

In this powerhouse episode, Matty A is joined by Ruben Izgelov, co-founder of WeLend, a national private lending firm that has originated over $700 million in loans. Ruben shares howhe went from a humble immigrant upbringing to building one of the most respected and secure lending platforms in the country.He breaks down the real difference between investing and lending, how his fund has never lost investor capital, and what every real estate operator needs to know about current market risks, political headwinds, and construction cost challenges.What You'll Learn:Why Ruben shifted from active investor to full-time private lenderThe biggest mistakes flippers make with ARVs and renovation costsHow WeLend consistently generates 13–16.5% passive returns for investorsThe pros and cons of debt funds vs. real estate syndicationsHow policy, politics, and inflation impact deal underwritingWhat macroeconomic trends Ruben is watching in 2025Timestamps:00:00 – Introduction to Ruben & WeLend07:00 – Ruben's story: from immigrant to entrepreneur10:00 – Lending vs. investing: safest part of the capital stack14:30 – Common mistakes with ARVs and renovation budgeting17:00 – The myth of passive real estate income20:00 – Policy differences between red and blue states26:00 – How WeLend has originated $700M without a loss31:00 – Monthly cash flow and liquidity in debt funds35:00 – Why Ruben prefers debt funds over syndications38:00 – Risks from tariffs, labor shortages, and supplyResources from Ruben IzgelovWebsite: https://www.welendllc.com/LinkedIn: https://www.linkedin.com/in/rubenizgelov/Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text "XRAY" to 844-447-1555

This week on Screw It Just Do It, I sit down with one of the most recognisable names in ethical entrepreneurship – Rowena Bird, co-founder of Lush.From humble beginnings to running a cosmetics empire in 53 countries, Rowena's journey is as raw and real as the ingredients in her products. But it wasn't always bath bombs and billion-pound valuations. Before Lush came the painful collapse of their first business, Cosmetics to Go. They lost everything. And it was in the ashes of that failure that the true “screw it, just do it” moment was born.We talk about the value of growing organically, keeping control of your company, resisting investor temptation, and why they never compromised on ethics, even if it meant growing slower. If you've ever wondered how to scale a business with integrity, or what it takes to bounce back from losing it all - this episode is essential listening.Key Takeaways:How Lush was born from the ashes of a failed businessWhy Rowena used her credit card to relaunch instead of chasing investorsThe secrets behind building an iconic brand without compromising on ethicsWhat "growth with control" really looks like in practiceWhy creating a business people want to be part of is more important than rapid scalingHow Lush gave over £100 million to grassroots charities while scaling globally

In this episode of Money Moves, Matty A. welcomes Nic DeAngelo, President of Saint Investment Group, to discuss why traditional investing through Wall Street is becoming obsolete—and how real estate and private markets are stepping up as the smartest path forward.Nic outlines why inflation, debt, and dollar devaluation are reshaping the economic landscape, and shares how his firm is helping investors secure strong fixed-income returns through discounted mortgage notes and industrial assets. You'll also learn why institutional capital is leading the charge into alternatives—and how you can follow suit.What You'll Learn:Why the U.S. stock market is no longer built for everyday investorsThe real risks behind inflation and the declining U.S. dollarWhat smart investors (and big firms) are doing with their money nowHow Saint Investment creates stable, fixed-income opportunitiesThe benefits of Opportunity Zones, bonus depreciation & moreWhy the next generation trusts real estate over stocksHow to use market data to guide smart investing decisionsConnect with Nic DeAngelo:LinkedIn: https://www.linkedin.com/in/nic-deangelo/Instagram: https://www.instagram.com/nicdeangeloFacebook: https://www.facebook.com/Nic.Deangelo1X (Twitter): https://x.com/NicDeAngelo_YouTube: https://www.youtube.com/channel/UC-3YDyPnB9qhIzkVfgOnjjgTimestamps: 00:00 – Introduction 02:30 – Wall Street's decline & private investing 06:00 – Debt, inflation, and the dollar crisis 09:00 – Why real estate wins in today's market 15:00 – BRICS, reserve currency debates 20:00 – The Big Beautiful Bill's impact on investors 26:00 – Saint Investment's high-yield fixed-income strategy 31:00 – Retail & multifamily outlook 34:00 – Tracking economic data for smart investing 37:00 – Rate cut predictions & Fed strategyEpisode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text "XRAY" to 844-447-1555

Still debating whether to chase cash flow or buy for appreciation?In this episode, Rich sits down with legendary real estate investor Thach Nguyen to unpack the truth about building long-term wealth—and why most investors are thinking way too small. From his first $15K-down rental to a billion-dollar net worth vision, Thach breaks down how to play the real game: buying assets that compound while you sleep.They cover:The biggest mistake broke investors make when chasing passive incomeWhy appreciation markets like San Diego and Seattle create generational wealthWhen to buy for cash flow—and when it's time to trade upHow Thach turned one property into an empire with no outside investorsThe mindset shift that separates legacy builders from everyone elseIf you're in this for freedom and net worth, this episode is your blueprint.Let's level up.Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.