Podcasts about liquidity

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Fed signaled no rate hikes, rate hike odds are falling, and the Treasury is buying back debt again, the same move that sparked crypto's rally on August 19th. We also cover Robinhood's latest announcements, Coinbase's villain moment, cirBTC, and where Trump's AI agenda and the superintelligence race stand.~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul00:00 Intro00:10 Sponsor: iTrust Capital00:45 PCE inflation02:30 Rate hike odds03:40 FOX: Investors are not prepared for a hike cycle05:00 Treasury to unleash again05:10 August 19th05:30 Robinhood Announcements06:15 Coinbase villain07:10 cirBTC07:25 Super Intelligence08:05 Trump AI recap09:45 AI safety unsettled10:25 Trump losing bad for AI?11:30 Most Stocks Are Down#Crypto #Bitcoin #Ethereum~Fed Signals NO Rate Hikes

Be honest with me for a second. If someone asked you right now what your retirement plan is, what would you say? If your gut answer is "Well, I'll sell the business someday," you're in good company. Most of us entrepreneurs are so locked in on the vision that the money side gets pushed to "later." I get it. Some days I just want to keep serving people and not even look at my bank account. But here's the truth that hit me hard in this conversation. Hoping isn't a plan. And no one's coming to save you.In this episode of The Happy Hustle Podcast, I sit down with my friend Dustin Bezalel, and man, this one's packed with money wisdom we never got taught in school. Dustin and I actually met at my brother-in-law Nick Hernandez's 40th birthday party, and within minutes I knew this guy gets it. He's a husband, a father of three, a man of faith, and someone who's genuinely crushing it both personally and professionally.Dustin is the president and founder of Creative Financial Network, an independent financial, risk, and wealth management firm based in Fort Lauderdale, Florida. What I love about his story is that finance wasn't his first love. Food was. He's got a culinary arts degree and spent years working high end hotel catering, pulling 17 hour days without seeing the financial reward. So about 21 years ago he made the leap into financial services and never looked back. Today his firm has close to a thousand agents and advisors, and his mission is simple. Help people win at home and win in business. A lot of his drive comes from watching his mom work so hard to raise him and his brother through financial struggle. Instead of letting that become an excuse, he turned it into fuel.This episode matters because so many high performers are quietly struggling behind the scenes. The social media highlight reel looks great, but the finances tell a different story. Dustin sees it all the time with successful CEOs who close the door and admit they haven't prepared at all. This conversation gives you a clear, honest starting point, whether you're just figuring out the money game or ready to play it at a higher level.The first big lesson is that procrastination is the real enemy. Dustin shared a stat that stopped me in my tracks. About 85% of business owners won't be able to retire if they can't sell their business. That's a massive gamble to make with your future. His fix is refreshingly simple. Pay yourself first, just like you pay your rent, your electric bill, or your team. When you do that consistently, compound interest starts working for you instead of you working for everyone else's wealth.The second lesson is to diversify in three ways, not just one. Most people only think about diversifying investments, but Dustin breaks it into risk, tax, and liquidity. Risk means making sure a market drop doesn't wipe you out, especially as you get closer to your later working years. Tax means thinking about when you pay taxes, not just how much, using tools like a mega backdoor Roth or permanent life insurance so your growth isn't taxed later. Liquidity means having money you can actually access now for opportunities or emergencies. And when it comes to an emergency fund, Dustin goes more conservative than most. He likes six to twelve months of expenses. Plan for the worst and hope for the best, not the other way around.The third lesson is knowing your four protectors based on your stage of life. If you're under 50, Dustin says you want life insurance so your family is taken care of, disability coverage so income keeps flowing if you can't work, a plan for your kids' college if they choose that path, and a retirement plan where you're saving around 10% of your earnings. If you're 50 or older, the focus shifts to preserving your capital, creating guaranteed household income for life, planning for long term care, and deciding what kind of legacy you want to leave. I loved how clear and practical this was.The fourth lesson is that strategy beats emotion every single time. Dustin calls himself a financial psychologist for his clients, and honestly that made so much sense to me. Entrepreneurs are emotional people. When times are tough, we panic. When times are great, we're tempted to buy a shiny toy that doesn't make us a dime. Dustin talked about how taxi companies never saw Uber and Lyft coming, which is exactly why you can't bet everything on one business. His firm doesn't do day trading or chase get rich quick ideas. It's about building a strategy that fits your season of life, revisiting it regularly, and sticking with it. Like losing weight, it comes down to consistent diet and exercise, not shortcuts.The fifth lesson is to water every plant, every day. This one really landed for me because I burned out as a tech entrepreneur by letting everything except work die off. Dustin waters three plants daily. His family, his business, and himself. Every Sunday he meal preps for the whole family, reviews his finances, and looks back at his week while planning the next one. He works out at least five days a week, prays every morning, and carves out weekly time with his wife. He also shared a line I won't forget. His family needs his presence, not just his presents.We also dive into the great life insurance debate, why calling it a scam misses the point entirely, and how entrepreneurs who don't take a big salary can still protect themselves when traditional disability coverage falls short. We chat about why real estate in Florida is tougher right now, Dustin's take on keeping crypto to a small position, and a super fun rapid fire round where you'll find out his favorite movie and the book that really stuck with him.What I appreciate most about Dustin is that he lives what he teaches. He's humble, he's disciplined, and he genuinely wants the people around him to win. His rallying cry says it all. Have a plan, do everything at 110% or don't do it at all, and remember that today is a gift. That's why it's called the present.If you're ready to stop putting off your financial future and start building a plan that actually protects your family, your business, and your peace of mind, this episode is for you.Listen to the full episode now at https://happyhustle.com/podcast and let me know what hit home for you.What does Happy Hustlin' mean to you?Dustin said that hustlin' look at as going 110% and watering every plant in life. And happy means enjoy every moment of doing it. Whether it's struggle, embrace it. If it's easy, embrace it for the moment. Life is too short. So do it with a smile, but do it with 110%.Connect with Dustinhttps://www.facebook.com/dustin.bezalelhttps://www.instagram.com/cfnsfl/https://www.youtube.com/@creativefinancialnetworkhttps://www.linkedin.com/in/dustin-bezalel-90ab1156/?skipRedirect=trueFind Dustin on this website: https://www.cfnsfl.com/Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.tiktok.com/@caryjackhttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featuredGet a copy of his new book, https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Course @ https://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventure @ https://thehappyhustle.com/mastermind/“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsors:KilnYour environment shapes your energy and your results. That's why we're proud to partner with Kiln, a premium workspace experience designed to help you work smarter, connect with amazing people, and elevate your lifestyle. From co-working and private offices to meeting rooms and event spaces, Kiln (https://kiln.com/) has everything you need to thrive. Mention "Happy Hustle" for a special hookup!If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers.This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all nightIf you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at https://www.bioptimizers.com/happy and use code HAPPY10 for 10% OFF.My Green MattressIf you've been waking up with back pain, feeling stiff, or just not getting that deep, quality sleep. This might be what you're missing: My Green Mattress.It's made with clean, non-toxic, and eco-friendly materials, so you're not just sleeping better, you're sleeping healthier too. The comfort and support are on another level, and you can really feel the difference night after night.If you're ready to invest in better sleep and better recovery, check it out at https://thehappyhustle.com/mygreenmattressOzlo SleepIf you've been struggling to fall asleep, stay asleep, or just wake up feeling actually rested, let me put you on to something that's been a total game-changer: Ozlo Sleep.These aren't your typical sleep buds. They're designed to block out noise and help your brain fully relax, so you can drift off faster and stay in deep, uninterrupted sleep. Perfect if you're a light sleeper or just want that next-level rest.If you're ready to upgrade your sleep and wake up feeling recharged, check out https://ozlosleep.com and save $80 OFF using code HAPPY.

Private markets have historically been dominated by pensions, endowments and other large institutional investors. But as access expands, individual investors are increasingly encountering private equity, private credit and other investments outside the traditional public markets. This week, Jeremiah Bates and Alex Lundgren are joined by Christian McCormick, CFA, Head of Client Portfolio Management at Meketa Capital, for a three-hour deep dive into how private markets actually work. Christian explains the differences between public and private investments, why companies are staying private longer, and how private equity firms invest in and work with businesses. They also break down venture capital, growth equity and buyouts, along with the due diligence involved in evaluating private investments. Then, the conversation turns to the investor's side of the equation: liquidity, long holding periods, drawdown funds, evergreen and interval funds, portfolio allocation and the tradeoffs that come with investing in assets that can't simply be sold with the click of a button. Finally, Christian takes a closer look at private infrastructure, including power generation, transportation, pipelines, digital infrastructure and data centers. They discuss why infrastructure has attracted more investor attention, how these projects can generate income and returns, and where inflation protection and diversification can fit into the picture.   Listen, Watch, & Connect! https://www.therealmoneypros.com Christian McCormick & Meketa Capital https://meketacapital.com/profile-mccormick ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Learn more about OVTLYR: https://youtu.be/TUCbD5KovlcWhat if you could get roughly 90% less capital exposure while still capturing much of a stock's movement?That's the idea behind deep in-the-money call options, and Meta (META) provides the real-world example in this video. Instead of spending $75,000 to buy 100 shares of Meta, we look at how an approximately 80 delta call can provide substantial exposure to the stock while requiring dramatically less capital upfront.But there's much more to this strategy than simply buying an option because it is cheaper.The key is understanding delta.Delta tells you how much an option's price should move for approximately every $1 move in the underlying stock. An 80 delta call, for example, should move roughly $0.80 for every $1 move in the stock, while a 20 delta call moves much less.Delta also provides an estimate of the probability that an option will finish in the money at expiration. That makes it an important consideration when comparing deep ITM options, at-the-money options, and out-of-the-money options.Then we get into one of the biggest reasons I prefer deep in-the-money calls: intrinsic value versus extrinsic value.Extrinsic value decays as time passes. Every day that goes by moves that portion of an option's value closer to zero. Out-of-the-money options can be made up entirely of extrinsic value, meaning time decay is working against essentially the entire investment.Deep ITM options are different. A much larger portion of their price comes from intrinsic value, which can significantly reduce the impact of time decay and implied volatility on the overall position.That's where the concept of capital efficiency comes in.Using the Meta example, controlling stock exposure with an 80 delta call can require only a fraction of the capital needed to purchase the shares outright. That leaves more capital available for other trades, while still providing leveraged exposure to the underlying stock.But leverage cuts both ways.Options can magnify gains, but they can also magnify losses. Liquidity matters enormously, especially open interest and bid-ask spreads. An option with poor liquidity can cost you a significant amount simply to enter and exit the position.We also look at convexity, which describes how an option's sensitivity to the underlying stock changes as the stock price moves. An 80 delta option won't necessarily remain an 80 delta option. As the stock moves, the option's delta changes too.That's what makes this strategy so interesting for traders who understand how options actually work.The goal isn't to buy the cheapest option available. It's to choose an option with a risk profile that makes sense for the trade.✅ Deep in-the-money call options and 80 delta✅ How delta works and why it matters✅ Intrinsic value vs. extrinsic value and time decay✅ How options can create capital efficiency✅ Meta (META), leverage, liquidity, open interest, and convexityIf you've ever looked at a $700+ stock and thought, “There's no way I can afford 100 shares,” this strategy is worth understanding. Options can provide another way to gain stock exposure, but choosing the right strike and understanding the risks is critical.Subscribe to OVTLYR for disciplined trading strategies that actually make sense.

Blackrock just put out a report that paints a very bullish picture for AI using crypto and Defi projects like uniswap and aerodrome could be major beneficiaries. In this episode, we look at a scenario and some potential price targets for Uniswap. Join Skool to save time and make money in crypto - https://www.skool.com/discovercrypto/about ●▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬●

Could blockchain unlock new ownership opportunities for renters? Groma's Seth Priebatsch and Chris Lehman join the FCAT Crypto Brief to discuss tokenized real estate, on-chain REITs, and how they're looking to help renters build something akin to equity as part of their existing lease. The conversation explores different approaches to real estate tokenization, perspectives on liquidity, and the economics driving these real-world assets. Episode Topics: [00:00] Welcome and introductions [00:51] Groma's origin story and vision [04:45] The opportunity in multifamily real estate [12:11] Approaches to real estate tokenization [15:44] Liquidity and market structure [21:01] Ownership economics and rentvesting Stay connected with us beyond the podcast by following FCAT on, Instagram, LinkedIn, and X, where we share additional insights and updates on all things emerging tech.  Whether you're crypto-curious or have a crypto foundation, Fidelity may have your next career opportunity. EXPLORE NOW. Please remember: this podcast is solely for informational and educational purposes and is not investment, tax, legal or insurance advice. Digital assets are speculative and highly volatile and you should conduct thorough research before you invest. To learn more, visit: FCATalyst.com FMR LLC. © 2026 FMR LLC. All rights reserved. Chapters (00:00:00) - Welcome and introductions(00:00:51) - Groma's origin story and vision(00:04:45) - The opportunity in multifamily real estate(00:12:11) - Approaches to real estate tokenization(00:15:44) - Liquidity and market structure(00:21:01) - Ownership economics and rentvesting

On Episode 989 of The Core Report, financial journalist Govindraj Ethiraj talks to G Chokkalingam, Founder at Equinomics Research as well as Vivek Merchant, Director at Swan Defence and Heavy Industries Limited (SDHI) from our extended Special Edition interview.SHOW NOTES(00:00) Stories of the Day(01:13) Liquidity Stretched Markets Take A Dive On Bank Bad News(01:40) US President Donald Trump Does An Airport Greeting For Chinese President Xi Jinping(05:48) Why The Indian Markets Crashed On Thursday(16:24) How India's Shipbuilders Are Scouring The Globe For Orders And Winning Them Too(26:30) The US Is Investing $10.3 Trillion In Ai And Data Centers In The Next 6 Years, The Largest Capex In HistoryRegister for our event “Don't Miss a Beat: The Hidden Risks to Indians”For more of our coverage check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecore.in⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠

Send us Fan MailWhen choosing a short-term cash vehicle (money you'll likely need within the next few months to a few years), the goal is usually to preserve principal while earning a reasonable return. The importance of each factor depends on whether the money is for an emergency fund, a planned purchase, or simply money waiting to be invested.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Wade opens a book study on The Richest Man in Babylon, a nearly hundred-year-old book his agency is reading together, and walks through the first half's core lessons on saving, protecting capital, and controlling your own banking function. He explains why high income rarely equals real financial control, why guarding against loss matters more than chasing returns, and how the ancient walls of Babylon still describe what it takes to build wealth that lasts. Key Takeaways Most people retain only about 5% of what they've earned over the last ten years, proof that high income alone doesn't build wealth. Pay yourself first and build your pool of capital before chasing investments. Savings is what creates liquidity and control. Guard your money from loss. Avoiding big losses matters more than chasing a high average rate of return. Someone is always the banker in your life. Ask who owns the capital, who controls the terms, and who receives the interest. Liquidity turns life's inevitable events into opportunities instead of disasters, and wealth that lasts requires passing down wisdom, not just dollars. Links and Resources Sage Wealth Strategy: sagewealthstrategy.com Contact Wade: wade@sagewealthstrategy.com Keywords The Richest Man in Babylon, infinite banking concept, be your own banker, pay yourself first, liquidity, dry powder, guaranteed asset, whole life insurance, cash value, family bank, family banking, generational wealth, financial liquidity, wealth building principles, Wade Borth, Sage Wealth Strategy, saving money, capital protection, financial discipline, book study Episode Highlights [00:02:00 - 00:03:00] Wade reveals that people control only about 5% of what they've earned over the last decade. [00:03:00 - 00:04:00] Wade unpacks "part of all you earn is yours to keep" and why income isn't really yours until it stops moving. [00:06:00 - 00:07:00] Wade compares becoming a capital provider, like Warren Buffett and major insurers, to becoming your own source of liquidity. [00:09:00 - 00:10:00] Wade breaks down the math showing how a 50 percent loss requires a 100 percent gain just to break even. [00:12:00 - 00:13:00] Wade tells the story of Babylon's walls and how the city grew rich by protecting what it had built. [00:14:00 - 00:15:00] Wade introduces Mathon the gold lender and asks who owns the capital, controls the terms, and receives the interest in your life. [00:17:00 - 00:18:00] Wade explains why the goddess of good luck favors those who prepared with liquidity long before opportunity showed up. [00:19:00 - 00:20:00] Wade recalls his father's life insurance being canceled six months before he died, and what that meant for the family. [00:20:00 - 00:22:00] Wade contrasts the Rockefellers and the Vanderbilts to show why transferring wisdom matters as much as transferring dollars.

Ellen Correia Golay is a lead Treasury advisor in the markets group at the Federal Reserve Bank of New York. Ellen returns to the program to discuss the lessons of the March 2020 "dash for cash," how all-to-all trading and other market structure reforms could strengthen Treasury market liquidity and resilience, the rise of principal trading firms, and the future of the Fed's standing repo operations, and much more. Watch the full length video on our new YouTube Channel! Check out the transcript for this week's episode, now with links. Recorded on August 19th, 2026 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Timestamps 00:00:00 - Intro 00:01:20 - Ellen's Career and Responsibilities 00:09:29 - The Treasury Market 00:17:15 - All-to-All Trading 00:25:19 - Treasury Market Liquidity 00:32:59 - Treasury Borrowing Advisory Committee 00:39:28 - Central Clearing 00:44:51 - Ellen's Policy Wishes 00:46:20 - Outro

Josh Olszewicz breaks down the TRXS ETF, which looks beyond Bitcoin and Ethereum to digital assets like the Tron network that power stablecoin transactions globally. He highlights Tron's dominance in Tether circulation and expects stablecoin growth to continue as crypto liquidity returns. Olszewicz also sees lesser-known networks like Solana and Litecoin poised to shine with the rise of tokenization and real-world assets on chain.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Welcome to Top of Mind with Consilio Wealth! Chris Kaminski and Hao Dang break down the latest Fed rate hike, rising borrowing costs, and the challenges facing policymakers as inflation and oil prices remain elevated. They also explore the SEC's move toward tokenized stock trading and the growing debate over how much regulation the AI industry needs.We discuss:➡️ The Fed's latest rate hike and what it means for the economy➡️ Rising mortgage rates and the challenges facing borrowers➡️ How oil prices and inflation complicate future Fed decisions➡️ The SEC clearing the way for tokenized stock trading➡️ The potential impact of 24/7 stock trading and tokenized shares➡️ Liquidity, custody, and operational concerns surrounding tokenized stocks➡️ The growing debate over AI regulation and development➡️ The U.S.-China AI race and the potential impact of new guardrails➡️ Whether AI regulation could create advantages for larger incumbentsTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Alex Peters, CIO of Hohimer Wealth Management, introduces the IINC ETF, which aims to deliver attractive dividends and lower beta through a portfolio of stocks paired with an option overlay. He emphasizes the product's transparency and liquidity, contrasting it with the opacity and illiquidity often found in structured notes and private credit.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/schwab-Network/dp/B08JJRQG9T/Watch on Sling - https://watch.sling.com/1/channel/bb1b75050268416e82a557ff6387bff3/browseWatch on Vizio - https://www.vizio.com/en/watchfreeplus/catalog/live-tv-channels/3123029569/schwab-networkFollow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - About | Schwab Network

Private equity is opening up to individual investors, and the line between public and private markets is blurring. In this episode, private investments portfolio manager Peter Lieu and institutional portfolio manager Kevin Minas break down secondaries and continuation vehicles, the difference between IRR and distributions, and how Mawer built institutional-quality private equity access through fund commitments, co-investments, and vintage-year diversification, including a new mutual fund trust for registered accounts like RRSPs and TFSAs. 0:00 - Introduction: Private Equity Beyond Endowments and Pensions 1:30 - A Brief History of Private Equity Allocations: Yale to the Maple 8 2:58 - Public-Private Convergence: Why Companies Stay Private Longer 6:17 - Secondaries and Continuation Vehicles Explained 9:40 - IRR vs. Distributions: The Delayed-Exit Debate 13:45 - Bringing Private Equity to Retail: Institutional-Quality Access 15:14 - Co-Investments and 50 Years of Business-Model Analysis 18:25 - Why a Mutual Fund Trust for RRSPs and TFSAs 20:22 - Liquidity and Redemption Windows in a Semi-Liquid Structure 22:21 - Private Equity Returns in a Higher-Rate World 26:06 - What's Next: Sports, Live Entertainment, and Democratization 32:13 - Outro & Subscribe   -The line between public and private markets is blurring. Companies are staying private longer, more financing is available without an IPO, and public companies are increasingly being taken private, so accessing value early in a company's life increasingly depends on having private equity exposure.   -Continuation vehicles are the modern version of the secondary buyout, not a new idea. They let a manager hold a strong business for longer, and roughly 90% of LPs who can roll into the new vehicle choose to take liquidity instead, which creates both a conundrum for investors and an opportunity for disciplined buyers.   -Distributions matter as much as IRR. IRR assumes capital is reinvested at the same rate and can look healthy even when little cash has been returned, so the team evaluates managers on money multiples and cash back, not IRR alone.   -Mawer built its access the way large institutions do. The program pairs fund commitments for diversification across companies, geographies, sectors, and vintage years with no-fee, no-carry co-investments, where the firm applies 50 years of business-model analysis to a single company decision.   -Registered accounts and private equity are naturally aligned. A new mutual fund trust extends the strategy to RRSPs, LIRAs, and TFSAs, where long time horizons and capital that is already locked up match the illiquidity of the asset class.   -Recent returns have been weaker as higher rates pressured valuations and exits slowed while public markets outperformed, but the long-term value drivers remain in place, and a staggered deployment that began in 2022 positioned the strategy for a constructive backdrop.   Companies and Assets Mentioned: SpaceX, Amazon, Alpine F1 team, University of Utah Athletics, RedBird Capital, Otro.   Host: Rob Campbell, CFA, Mawer Institutional Portfolio Manager Guest: Kevin Minas, CFA, MBA, CAIA, Mawer Institutional Portfolio Manager Guest: Peter Lieu, CFA, Mawer Portfolio Manager, Private Investments   This episode is available for download anywhere you get your podcasts. Founded in 1974, Mawer Investment Management Ltd. (pronounced "more") is a privately owned independent investment firm managing assets for institutional and individual investors. Mawer employs over 250 people in Canada, U.S., and Singapore. Visit us at: https://www.youtube.com/@MawerInvestment https://www.mawer.com https://www.linkedin.com/company/mawer-investment-management/ https://www.instagram.com/mawerinvestmentmanagement/

Raoul Pal welcomes back Richard Galvin, Co-Founder of Digital Asset Capital Management to break down why crypto may be nearing the end of its long, frustrating reset. They discuss why DeFi volumes, tokenization, AI agents, trading bots, stablecoins, and 24/7 markets could dramatically expand crypto's addressable market. They also explore Bitcoin, Zcash, Hyperliquid, Robinhood's rapid growth, crypto VC, and why the application layer may be one of the most mispriced areas of the market.Today's episode is supported by Pyth Network, the fastest-growing name in market data, packed with over three thousand instruments covering equities, commodities, FX, rates, and crypto, plus the largest set of 24/7 financial indices out there. Pyth has already partnered with Fidelity, Revolut, Kalshi, Jane Street, Coinbase, and the U.S. Department of Commerce, and has recently developed a new model for financial data distribution. When modern markets require modern data solutions, Pyth Network is quickly becoming the answer. And it's probably the only name in market data you can check out for free. Head over to pyth.network to take advantage of their free trial.TOKEN2049 Singapore, the world's largest crypto event, returns to Marina Bay Sands on 7–8 October. 25,000 attendees, 500 exhibitors, 300 speakers and 1,000 side events take over the city during TOKEN2049 Week. On stage: Raoul Pal (Real Vision), Jeff Yan (Hyperliquid) and Shayne Coplan (Polymarket). The Real Vision community gets 10% off tickets, claim yours.URL: https://checkout.token2049.com/events/asia?promo=realvision10&utm_source=newsletter&utm_medium=email&utm_campaign=realvision&utm_id=realvision

Send us Fan MailIncome creates options when it is supported by strong financial systems.Kahlilah Dowe, CFP®, founder of TrueWealth Solutions, joined me on Get Ready: Before Life Happens to talk about how education, structure, goals, and values can build confidence and economic empowerment.Key TakeawaysFinancial education builds confidence and expands opportunity.Strong systems help income support long-term goals.Knowing your numbers creates financial peace.Liquidity, goals and systems create stability.A financial do-over can begin with one courageous step.Your money should support what brings you peace and purpose. Economic empowerment grows when money is used to create impact.Tony's Take: Strong financial infrastructure helps turn income into confidence, choices, and impact.Connect with Kahlilah Dowe, CFP®:LinkedIn: https://www.linkedin.com/in/kahlilahdowe/True Wealth Solutions Website: https://truewealthsolutionstws.comYouTube True Wealth Channel: https://www.youtube.com/@TrueWealthSolutionstwsResources mentioned: The Financial Do-Over Series by Kahlilah Dowe, CFP Part 1: More Money, Same Problems.  (LinkedIn) Part 2: We Outside! / The Do-Over(LinkedIn) Part 3: Seriously, What Will It Take? The Infrastructure (LinkedIn) Part 4: Learning Enough. (LinkedIn)How to Stop Worrying and Start Living by Dale Carnegie (Amazon) Bio: Kahlilah Dowe is a Certified Financial Planner™ with more than 15 years of experience helping families build financial freedom through personal financial planning and coaching. She began her career at Vanguard, one of the world's largest financial institutions, where she developed financial strategies for high net worth families. Today, she is the founder of TrueWealth Solutions, a financial planning and coaching firm based in the Philadelphia area, where she helps clients strengthen the financial infrastructure that supports their lives.Kahlilah's passion for financial planning is deeply personal. Growing up in Brooklyn, New York, in a family where resources were limited, she became focused early on creating financial security for herself and her family. That experience shaped her belief that financial success is not simply about making great money, but about using money in ways that create stability, freedom, and long term economic empowerment. She lives in the Philadelphia area with her husband, their three children, and two grandchildren, and loves loud, joyful Friday nights spent with five generations of family.

Mortgage Rates Are Rising: How Real Estate Investors Should Prepare Mortgage rates are moving higher again. For real estate investors, that raises an obvious question: What should you actually do about it? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby are joined by investor-focused mortgage broker Keaton Kirkwood of Kirkwood & Brennan Mortgage Group to break down what is happening with rates, why fixed mortgage rates are already reacting, how variable-rate borrowers should think about the next several months, and how investors can protect their portfolios before higher borrowing costs become a problem. The biggest message: You cannot control interest rates. But you can control how prepared your portfolio is for them. Why Rates Are Moving Keaton explains that there are two major forces investors need to understand: Bond yields and The Bank of Canada overnight rate Bond yields react in real time to market expectations, global capital flows and inflation. Fixed mortgage rates are heavily influenced by bond yields. The Bank of Canada overnight rate, on the other hand, directly affects prime-based borrowing products such as variable-rate mortgages and HELOCs. Keaton points out that bond yields have already moved higher. That means fixed mortgage rates can increase even before the Bank of Canada changes its overnight rate. Why the U.S. Matters The conversation also covers what happens when the United States raises rates. Canada does not operate in isolation. If other major economies increase rates while Canada does not, that can put downward pressure on the Canadian dollar. A weaker dollar can make imported goods more expensive. That can contribute to inflation. Eventually, Canada may be forced to respond. Keaton compares global economies to a conga line. The largest economies are closer to the front. Canada is somewhere in the middle. We do not control the direction of the entire global financial system. This Is Not the First Time Wayne points out that investors have seen versions of this before.     Inflation. Rising rates. Higher mortgage payments. Financing stress. The causes may change. The pattern does not. That is why the goal should never be to perfectly predict rates. The goal is to build a portfolio that can survive when rates move against you. Higher Oil Prices Could Help Alberta There is one interesting wrinkle. The current inflation pressure being discussed is connected partly to geopolitical conflict and rising energy prices. Higher oil and gas prices are painful for consumers. But Alberta can sometimes benefit economically from stronger energy prices. That may support: Employment Investment Migration Housing demand Property values Keaton cautions that the effect is not equally positive for everybody. A drilling contractor may benefit directly. A teacher or accountant may not. Still, Alberta can sometimes perform relatively well during periods when global energy prices rise. What Investors Should Do Now Wayne asks the question most investors actually care about: Should you pause? Wait? Switch mortgage products? Rush to refinance? Keaton's answer: It depends on when you are exposed to higher rates. If you are in a variable mortgage, you should be paying attention now. If you have a fixed mortgage renewing within approximately 18 months, you should be paying attention. If you locked into a relatively high fixed rate previously, it may also be worth reviewing whether restructuring creates an advantage. That does NOT automatically mean you should refinance. It means you should investigate. Keaton's Four Pillars When deciding whether to restructure a mortgage, Keaton recommends evaluating four things: Cost Qualifying power Risk Tax efficiency If a change improves three or four of those areas, it may be worth considering. If the only benefit is saving $50 per month but it costs $15,000 to make the change, that may not make sense. The decision needs to improve the overall portfolio. Know Your Break-Even Interest Rate One of the most important pieces of advice from today's episode: Know the interest rate at which each property stops cash flowing. Then calculate the same number for your entire portfolio. For example: What happens if rates increase 0.25%? How much does that reduce monthly cash flow? What about another 0.25%? And another? At what point does the property become cash-flow neutral? At what point does the entire portfolio require money from your pocket? Investors should know these numbers before the rate increase arrives. Stress-Test the Portfolio Keaton recommends going even further. Calculate the impact of each quarter-point rate increase. If every 0.25% increase costs your portfolio $300 per month, you can quickly determine how much room you have. Maybe your portfolio can absorb: Three increases. Five increases. Seven increases. The specific number matters less than knowing it. Uncertainty creates fear. Knowing the numbers creates a plan. Cash Flow Is Your Protection Wayne comes back to the 5% Rule™. The reason he places so much emphasis on buying strong cash-flowing properties is not because high cash flow simply feels good. Cash flow creates safety. If interest rates rise: You have room. If rents temporarily fall: You have room. If expenses increase: You have room. If vacancy rises: You have room. The investor who bought a property with almost no cash-flow cushion can be wiped out much faster. The 5% Rule™ Wayne created the 5% Rule as a simple minimum cash-flow test for Canadian real estate investors. Its purpose is to ensure investors are not buying properties with such thin margins that one market change destroys the investment. Search: The 5% Rule by Wayne Hillier on Amazon. Longer Amortizations Can Reduce Risk Keaton also explains why he often prefers longer amortizations on investment properties. Longer amortization means: Lower mortgage payments. Higher cash flow. Greater ability to absorb rate increases. More liquidity. That does not mean you can never pay the mortgage down faster. You can use prepayment privileges if you want to accelerate the mortgage later. But starting with a longer amortization gives the investor more flexibility. Don't Rush to Pay Off Tax-Deductible Debt Another important point: Not all debt costs the same. Interest on qualifying investment debt may be tax deductible. Interest on your principal residence generally is not. That means a 5% tax-deductible investment mortgage may effectively cost less after tax than a 4% non-deductible home mortgage. Keaton's view is that investors should generally prioritize paying down more expensive non-deductible debt before aggressively eliminating tax-deductible investment debt. Always confirm the tax treatment with your accountant. Variable vs Adjustable Rate Mortgages Keaton also explains an important distinction. An adjustable-rate mortgage changes the payment as rates move. A variable-rate mortgage with a fixed payment keeps the payment the same, while the amount going toward principal changes. For an investor concerned primarily with cash flow, a fixed-payment variable structure can provide more predictability. The specific product still needs to fit the investor's goals. What About Leverage? One listener asks how to hedge rising variable rates when heavily leveraged. Keaton explains that loan-to-value is only part of the picture. For cash flow, amortization can be more important. An investor could have relatively low leverage but a very short amortization and therefore extremely high monthly payments. That investor may actually be more exposed to rate pressure than someone with more leverage and much lower payments. The real question is: How much cash flow does the debt structure require every month? Liquidity Matters Keaton also recommends maintaining liquidity. Cash reserves can make an enormous difference during periods of rising rates. An extra $20,000 or $30,000 in accessible reserves can give an investor time to work through: Higher payments Vacancies Repairs Refinancing Renewal timing Selling an underperforming property Liquidity gives you options. Should You Sell a Weak Property? Keaton gives an example. Imagine your portfolio is healthy until rates reach 6%. But one property is already barely cash-flow neutral today. That property may deserve a closer look. If rates rise further, it could become significantly negative. The question becomes: Does that asset have another compelling reason to hold it? Or would selling it now strengthen the entire portfolio? Asset management means evaluating each property individually, not blindly holding everything forever. Don't Let Rates Stop You From Buying The goal of today's conversation is NOT: "Rates are going up, so stop investing." It is: Understand the risk. Prepare for it. Then continue executing the plan. Higher rates can change the numbers. They can change which properties make sense. They can change financing strategies. But they do not automatically eliminate good real estate opportunities. Remote Property Management Course – 50% Off This Week Wayne and Gabby also discuss the response to Gabby's Remote Property Management Course. The eight-module course teaches the systems Wayne and Gabby use to manage their own rental portfolio remotely without personally attending every property issue. This week, the course is available for: 50% off Use code: 50OFF at: www.reimasters.ca About Keaton Kirkwood Keaton Kirkwood is an investor-focused mortgage broker with Kirkwood & Brennan Mortgage Group. He works with Canadian real estate investors on financing structures designed to protect cash flow, preserve future borrowing power and avoid mortgage decisions that make the next acquisition harder. www.kbmortgages.ca keaton@kbmortgages.ca REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, financing, market selection, joint ventures, property management and building a profitable Canadian real estate portfolio. www.reimasters.ca Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Upcoming Event REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

This Episode Kevin Amolsch returns to PassivePockets to take Chris behind the scenes of private lending and debt funds from how lenders actually make money to the underwriting decisions that determine whether investor capital stays protected when a deal goes sideways. Kevin has been lending to real estate investors for nearly two decades through Pine Financial Group, and he walks through how the business evolved from brokering individual private loans into managing diversified debt funds. He explains why Pine prioritizes return of capital over maximizing return on capital, how its fund economics are structured, and why the company is willing to make underwriting more difficult for borrowers if it means creating a larger margin of safety for LPs. Chris and Kevin dig into the actual credit box behind these loans: loan-to-ARV limits, borrower liquidity, personal guarantees, credit history, monthly payments, construction draws, and why Kevin will automatically pass on certain out-of-market borrowers. Kevin also explains why Pine is willing in some cases to finance nearly an entire project if the underlying economics and after-repair value create enough protection. The conversation also gets into what happens when things go wrong. Kevin shares how Pine evaluates REOs, when taking a loss today may be smarter than holding a property for years, why liquidity mismatches can create problems even when the underlying assets are performing, and how the firm uses leverage conservatively rather than simply maximizing it to boost returns. They also discuss fraud risk in private lending, the importance of title insurance and draw controls, and the operational safeguards Kevin believes investors should look for in a debt fund, including audited financials, third-party administration, and outside diligence. Finally, Kevin shares what he's investing in personally outside of lending—including retail, industrial, and a troubled industrial development where he ultimately chose to buy one of the buildings rather than walk away from his original investment. Key Takeaways How private lending evolved from individual hard-money loans into diversified debt funds Why Pine Financial prioritizes loan-to-ARV, borrower liquidity, guarantees, and monthly payments in its underwriting How debt fund economics work—from preferred returns and management fees to origination income and leverage Why Kevin views return of capital as more important than maximizing return on capital How lenders decide whether to foreclose, hold an REO, take a loss, or redeploy capital Why liquidity mismatches can create redemption problems even when a loan portfolio is still performing How conservative versus aggressive fund leverage can materially change both returns and risk The fraud controls Kevin uses around construction draws, title work, and lien priority Why audited financials, third-party administration, and independent diligence matter when evaluating a debt fund What Kevin is investing in personally today across retail and industrial real estate Join a community of passive investors. Start your FREE 7-day trial: https://passivepockets.com/?utm_source=youtube&utm_medium=description&utm_campaign=none Listen to the PassivePockets Podcast Anywhere: https://lnk.to/passivepockets Subscribe to the Passive Investing Newsletter: https://www.biggerpockets.com/email-subscribe?utm_source=youtube&utm_medium=description&utm_campaign=none Join BiggerPockets for free: https://www.biggerpockets.com/signup?utm_source=owned_media Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

In this episode, the team discusses Router V6, the current memoless situation, ADR 29, XMR integration and its remaining blockers, the upcoming v3.20.2 release, stablecoin support, tokenized assets, and the latest POL developments.Swap now https://swap.thorchain.org/ THORChain is a decentralized crypto exchange. THORChain is the first and biggest DEX for Bitcoin. You can use any self custody wallet to swap and there's no KYC required.Timestamps:00:00:00 Intro00:02:00 Marketing update00:07:00 Adding Houdini Swap00:09:00 Exodus Wallet support00:11:00 TSS halt signing — current situation00:15:00 Router V6 update00:17:00 What exactly can Router V6 do?00:19:30 Current situation with memoless swaps00:27:00 Memoless spam discussion — single actor00:33:00 Further discussion about the memoless attack vector attempt (unsuccessful)00:40:00 Adding a timer to STO for memoless swaps00:42:00 ADR 29 ETA00:44:00 XMR questions00:47:00 What is the current blocker for XMR?00:52:00 Minimum/maximum swap size when XMR goes live?00:55:00 XMR community question: Security, audits, and churn cadence01:02:00 How do we make things smoother and improve the outbound queue?01:05:00 Adding USDC/USDT.sol to the roadmap — is it easy to do?01:08:00 Does it make sense to increase Rapid Swaps?01:10:00 Was the stablecoin swap experiment conclusive?01:17:00 ETA for 3.20.201:18:00 Long-tail pools question01:22:00 Tokenized assets on THORChain/DeFi01:28:00 Kenton weighs in on tokenized gold and silver01:34:00 The merger of DeFi and TradFi01:38:00 POL growth01:45:00 Burn percentage and more POL discussion01:52:00 Adding liquidity to staged pools (link?)01:56:00 How are the cryptography teams doing?

In the latest episode of the CFA UK Future Proofing Finance, hosts Ben Ashby, ASIP and Tom Threlfall, CFA celebrate their milestone 21st episode with a very special guest - our very own Gerhard Sogl, Head of Content Strategy and Analytics, CFA UK. Gerhard brings his decades of experience in emerging markets, trading, and financial education to discuss his new paper on emotional liquidity, The Cost of Holding On, and why the best decisions investors can make under emotional stress aren't necessarily the ones that will deliver the best returns. 

 Also in this episode:
 - How Gerhard transitioned from FX and bond trading to content and financial education at CFA UK - Why inflationary and uncertain markets change investors emotional behaviour - Two trading blowups that shaped Gerhard's approach to emotional liquidity - Why opportunity cost can often be much larger than the visible loss - A practical mental model for managing your emotional liquidity in difficult situations Tune into this special episode to hear what happens when liquidity disappears, why emotional discipline matters as much as technical skill, and how traders and investors should manage their emotions as well as their portfolios.

On Episode 974 of The Core Report, financial journalist Govindraj Ethiraj talks to Anindya Banerjee, Head of Currency & Commodity Research at Kotak Securities as well as Sachin Seth, Regional Managing Director at CRIF, India & South Asia on the sidelines of the Global Fintech Fest 2026.SHOW NOTES(00:00) Stories of the Day(00:50) The Big Liquidity Drain In Indian Markets(03:29) Inflation May Have Hit A 20-Month High(03:56) What To Make Of A Falling Dollar And Rising Yen?(12:50) The Big Opportunity In India's Near To Credit PopulaceFor more of our coverage check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecore.in⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠

Welcome to the VRA Investing Podcast! In today's episode, Kip Herriage breaks down what's driving the market's recent heaviness as we push through September—historically the toughest month for stocks. He analyzes the spike in oil prices and treasury yields, takes a contrarian look at rate hike expectations ahead of the September FOMC meeting, and explains why the market may be underestimating the strength of corporate earnings growth. Kip Herriage also shares insider perspectives on the influence of central banks, the role of media narratives as we approach the midterms, and how liquidity “tells” in sectors like semis and precious metals can be key market indicators. Stay tuned for actionable insights on why, despite choppy waters, there are signs of strength brewing beneath the surface.

Many founders spend decades building a company they hope to one day exit only to discover that the deal they dreamed about leaves them feeling lost, lonely, and full of regret. Today's guest, Jerome Myers of Exit to Excellence, has studied more than 3,500 founder conversations, 400+ podcast interviews, and over $2.5 billion in exit value to answer a question the exit industry rarely asks: what happens to the founder when the business they built no longer needs them? In this episode of Marketer of the Day, Jerome introduces the “Founders Exit Paradox” and shares why an estimated 75% of founders regret their exit, even when they get the money they were aiming for. He explains how a business quietly organizes every part of an owner's life calendar, income, relationships, and even identity and why selling that business without a personal plan can feel like falling off a cliff. Using his powerful mountain expedition analogy (ascent, summit, and descent), Jerome highlights that the most dangerous part isn't building or selling the business; it's what happens after the liquidity event when the structure disappears but the money, time, and opportunity suddenly expand. Jerome also breaks down the concept of business maturity asking whether your company is “acting its age” or if it's still a “baby” that can't function without you. He shows why founders who remain the catch‑all problem solvers get trapped, and how building a self‑sustaining, independent business is essential not just for a successful exit, but for a healthy life after the deal. Instead of treating exit planning as a dry financial exercise focused on EBITDA and GAAP, he uses story and parable, drawn from his audiobook “The Exit Expedition,” to make the emotional and psychological side of exiting both practical and deeply relatable. You'll learn the real reasons founders regret selling from loss of identity and sudden loneliness to getting 40–60 hours a week back with no meaningful way to use it, and how a structured process can help you define who you are, who you spend time with, and what truly matters beyond your company. Jerome shares why being intentional before the exit is the key to avoiding lottery-winner-style meltdowns, and how to design a new “filter” for opportunities so you don't say yes to everything just because you finally can. https://youtu.be/Zo8hzbPO_48?si=QOe77a1TH2Bi55tF If you're thinking about selling your business someday or simply want to build a company that doesn't depend on you for every decision, this conversation will change how you think about exit strategy. Jerome recommends starting with his Exit Risk Assessment at exittoexcellence.com/era, a complimentary diagnostic that reveals your highest‑risk areas, hidden dependencies, post‑exit vulnerabilities, and 90‑day action items to reduce risk. Whether an exit is five months or fifteen years away, you'll see why a good exit strategy is really just good business strategy and how to prepare not only your company, but yourself, for the next chapter. Quotes: "Most owners are the catch-all whatever the problem is, if it doesn't fit in one of the employees' job descriptions, it is my problem, and I must go solve it." "Exit strategy is just good business strategy. You'll enjoy your business more the better you are prepared for an exit." "The reason so many founders regret their exit is not the money. It's that they don't know how to introduce themselves anymore and they struggle with who they are without the business." Contact Details: Ready For What Comes After the Exit? Explore Exit to Excellence Today You Built It. Now What? Discover What Comes After The Exit: Take the Red Pill Assess your Exit Readiness: Start your Successful Transition Connect with Jerome Myers on LinkedIn → Discover what's possible beyond the exit. Discover What's Next: Listen to Your Next Today on Apple Podcast Exit to Excellence: A Journey to Your N.E.X.T. on Amazon

When people ask whether whole life insurance or an annuity is better, I think there is a more useful place to begin. Instead of starting with the product, start with the job you need your money to do. Are you looking for income you cannot outlive, access to capital to grow a business, more certainty around retirement income, protection for your family, or a way to build something that can continue beyond your lifetime? https://www.youtube.com/watch?v=SYDONlrEq1o Those are very different objectives, and they may call for different tools. Bruce and I recently spent an entire conversation unpacking annuities and comparing them with properly designed whole life insurance. What I appreciated about the conversation was that it did not come down to declaring one product good and another bad. Every financial product exists because it solves a particular problem, and every product also comes with tradeoffs. The real question is whether you understand those tradeoffs well enough to decide which ones fit your goals, your personality, your stage of life, and the larger financial strategy you are building. When we compare whole life insurance and annuities through that lens, some important differences begin to emerge, especially if you are still actively building wealth and want your capital to remain useful during your lifetime. Key TakeawaysStart With the Strategy, Not the ProductWhat Is an Annuity Designed to Do?The Guarantee Comes With a TradeoffSafety, Liquidity, and Growth: You Cannot Maximize All ThreeWhen an Annuity Can Make a Lot of SenseWhy Whole Life Can Be More Powerful While You Are Still Building WealthWhy Access to Capital MattersWhole Life Requires Good BehaviorThe Tax Treatment Is Different TooThen There Is the Death BenefitWhole Life Can Become Part of a Multigenerational Wealth SystemSometimes the Best Answer Is BothDo Not Ask Only Which Product Is BetterBuild the System Around the Outcome You Want Key Takeaways Annuities can provide valuable guarantees, particularly when predictable lifetime income is the primary objective. Those guarantees can come with tradeoffs, including reduced liquidity, surrender periods, fees, and limitations on growth depending on the contract. Properly designed whole life insurance can provide guaranteed cash value, access to capital through policy loans, and a leveraged death benefit. Whole life provides greater flexibility, but that flexibility requires discipline and responsible policy management. Annuities are often especially useful when the primary objective is income distribution later in life. Whole life can be particularly powerful while you are still creating wealth because it can help you store capital, access it, protect your family, and begin building a multigenerational wealth system. There is no perfect financial product. There are tools, tradeoffs, and strategies, and the goal is to understand which combination best accomplishes what you are trying to build. Start With the Strategy, Not the Product One of the easiest ways to make a poor financial decision is to begin with a product and then try to make your life fit around it. I would much rather see you start with your objectives and ask what you actually need your money to do. Do you need safety, liquidity, growth, predictable income, or access to capital before retirement? Are you trying to protect your family, create a financial legacy, or put boundaries around money so that it is harder to spend impulsively? These are different goals, and understanding them makes it much easier to evaluate the tools available to you. Bruce and I often come back to a simple framework of safety, liquidity, and growth because it helps clarify what you are really looking at. No financial product maximizes all three at the same time. If you want more contractual safety, you may give up some liquidity or growth, while greater growth potential may require accepting more volatility. That does not mean the product is bad. It simply means you need to understand what you are receiving and what you are giving up in exchange. What Is an Annuity Designed to Do? An annuity is a financial product issued by an insurance company. Depending on the type of annuity, it can be used to accumulate money, provide tax-deferred growth, or create an income stream that lasts for a defined period or potentially for the remainder of your life. The National Association of Insurance Commissioners explains that annuities may be immediate or deferred and may be fixed, variable, or indexed. The specific guarantees, crediting methods, income options, fees, and access rules depend on the actual contract. One of the primary attractions of an annuity is certainty. A fixed annuity may guarantee a stated interest rate for a period of time, while a fixed indexed annuity may credit interest based in part on the performance of an external index and provide contractual protections against certain losses. A variable annuity uses investment subaccounts and can therefore experience market gains and losses. When most people hear the word annuity, though, they tend to think about income. They are thinking, “I do not want to outlive my money. I want a check I know is going to arrive.” That is a very real concern, and an annuity can be structured specifically to address it. In that sense, it can function in a way that feels similar to a pension. You may be willing to give up some control or liquidity because what matters most to you is knowing that a certain amount of income will continue. For the right person, in the right season of life, that certainty can be extremely valuable. It is also important to remember that the guarantees are only as strong as the issuing insurer, which is why the financial strength and claims-paying ability of the insurance company matter. The NAIC buyer's guide explains this distinction in more detail. The Guarantee Comes With a Tradeoff This is where the safety, liquidity, and growth framework becomes especially helpful. Insurance companies can provide contractual guarantees partly because they are able to plan around having access to capital for long periods of time, and that is one reason annuity contracts often include surrender periods. Depending on the contract, you may be able to withdraw a certain amount each year without a surrender charge. If you withdraw more than the allowable amount during the surrender period, however, you may pay a fee. FINRA's investor guidance on annuities also notes that annuities may include surrender charges and other expenses, including administrative costs and fees associated with certain insurance features. That does not make the annuity a bad product. It means there is a tradeoff. You are giving the insurance company greater certainty about how long it can use the capital, and in return you are receiving certain guarantees or benefits. This is why I think it is more useful to move away from asking whether a financial product is simply good or bad. Ask instead what you are giving up and what you are receiving in exchange. That question will help you evaluate almost any financial decision more clearly. Safety, Liquidity, and Growth: You Cannot Maximize All Three Here is the framework I want you to carry forward. Safety, liquidity, and growth compete with one another. A product that offers more contractual certainty may limit access or upside. A product with greater growth potential may expose you to more volatility, while a highly liquid asset may not produce the same long-term return as capital committed for years. No column wins every category. That is the point. DimensionAnnuityProperly Designed Whole LifePrimary strengthPotential for contractual income guarantees and principal protection, depending on typeStable contractual foundation, access through policy loans, and death-benefit protectionLiquidityCan be limited by surrender periods, withdrawal provisions, and income electionsEarly cash value depends on design; access is generally through withdrawals or policy loans under the contractGrowthDepends on fixed rates, index-crediting terms, or variable subaccountsGuaranteed cash-value growth plus possible non-guaranteed dividendsIncomeCan be designed specifically for predictable lifetime incomeCan support distributions or loans, but outcomes depend on policy performance and disciplined managementLegacyDepends on the contract, phase of the annuity, and death-benefit or payout provisions selectedIncludes a life insurance death benefit, reduced by outstanding loans and interestWhole life insurance vs. annuities at a glance The purpose of this framework is not to declare one product superior across the board. It is to help you see where each tool is strongest, where you are accepting a compromise, and whether that compromise fits what you are actually trying to accomplish. When an Annuity Can Make a Lot of Sense Bruce shared an excellent example in our conversation of a highly successful physician who already had substantial exposure to the stock market. He was not looking for another investment designed to maximize upside. What he wanted was a portion of his future lifestyle to feel more like a pension. He was willing to give up some liquidity and growth potential because his priority was knowing that a certain amount of income could be available later. Having that certainty could then allow him to take more risk with another portion of his assets because some of his foundational income needs had already been addressed. That is a good example of coordinated planning. The annuity was not being asked to do every job. It was being used for a specific purpose inside a larger financial system. An annuity may make sense when your priority is creating predictable retirement income, reducing longevity risk, putting behavioral boundaries around capital,...

The Gym-Funded Wealth Machine: Retire in Years, Not Decades

#747: We have good news on multiple fronts to share about the job market, the stock market, the commodities market, and volatile news around the bond market. And we begin it with some great news coming out of Nepal. Welcome to the First Friday episode for September 2026. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (00:00) Rescued workers in Nepal (04:53) Strong August jobs report (10:14) Conflicting employment data (12:27) Strong jobs, weaker stocks (17:43) Why bonds matter more (23:17) Inflation drives Treasury yields (29:45) Hidden risks in bonds (36:50) Treasury buyback controversy (43:32) Liquidity versus warning signs

Price appreciation of Bitcoin (BTC), Ethereum (ETH), Solana, and other top crypto names bolstered the global crypto market cap by about 5% in 24 hours to $2.71 trillion on Thursday.~This episode is sponsored by Uphold~Uphold Debit Card ➜ https://bit.ly/UpholdXRPCardGuest: Evan AldoEvan Aldo Youtube Channel ➜ https://bit.ly/EvanAldo20% off Evan Aldo Course ➜ https://bit.ly/EvanCourse ➜  Use code "paulbarron"00:00 Intro00:10 Sponsor: Uphold 00:50 CNBC: SPX 10,000 in 18 months03:30 SPX vs BTC04:50 Trump threatening the Fed06:45 Record breaking ETFs flow07:10 CLARITY at risk?07:50 Ethereum analysis08:30 Solana analysis09:10 Uniswap analysis10:30 Matt Hougan: You have to own BTC right now11:30 Bitcoin analysis12:30 HOOD analysis13:50 BMNR analysis14:45 Evan watch list (LINK, UNI, HYPE)#Crypto #Bitcoin #Ethereum~Liquidity Incoming?

Get those bud lights ready and those Doritos bags open, because it's time for another episode of Drink with Raoul. Raoul Pal cuts through the chaos with an urgent update on what's really driving the market selloff. He'll walk you through the broader macro picture, where we are in the business cycle, and what the extended cycle theory tells us about what's next. This is about zooming out, understanding the structure beneath the surface, and staying focused while others lose their heads. Expect alpha, clarity, and yes... some snobby snacks and wine talk to take the edge off. If you need perspective, you'll find it here. Today's episode is brought to you by TOKEN2049. TOKEN2049 Singapore, the world's largest crypto event, returns to Marina Bay Sands on 7–8 October. 25,000 attendees, 500 exhibitors, 300 speakers and 1,000 side events take over the city during TOKEN2049 Week. On stage: Raoul Pal (Real Vision), Jeff Yan (Hyperliquid) and Shayne Coplan (Polymarket). The Real Vision community gets 10% off tickets, claim yours. https://checkout.token2049.com/events/asia?promo=realvision10&utm_source=newsletter&utm_medium=email&utm_campaign=realvision&utm_id=realvision

Fraud investigator Tom Gober explains the $17 Billion insurance scandal of Mark Walter, Guggenheim and the Dodgers. Mark Walter is the previous owner of the LA Lakers and current owner of The Dodgers and is drawing worldwide attention for shady insurance practices tied to his own business. Watch the Interview on Youtube for Visuals - https://youtu.be/iMFsoUeZdLIWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction to the Mark Walter Investigation01:33 - Explanation of Affiliated Investments and Insurance Structure05:28 - Concerns with Liquidity and Risk in Private Equity Ownership07:38 - Regulation Standards for Affiliated Investments12:06 - Offshore Reinsurance and the Use of Cayman Islands Accounts14:25 - Greg Lindberg Case Study and Historical Context18:06 - 2014 Complaint and the History of the Current Investigation20:16 - Current Risk Analysis of Insurance Carriers23:36 - Advice and Critical Information for Policyholders25:24 - Future Predictions and Potential Liquidity Stress Events26:24 - Closing Remarks and the Value of Mutual Insurance Companies DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Scientific Sense ® by Gill Eapen: Prof Mariassunta Giannetti is a professor of Finance at the Stockholm School of Economics; she is also a CEPR research fellow in the financial economics program and a research associate of the ECGI. She studies how formal institutions (such as investor protection) and informal institutions (such as culture and social norms) affect corporate finance, investor behavior, asset valuations, and economic and financial integration.Please subscribe to this channel:https://www.youtube.com/c/ScientificSense?sub_confirmation=1

Bijan Maleki and Kris Bullock are back to break down a potentially important shift in the macro setup for crypto. With the U.S. Treasury stepping up long-dated bond buybacks, long-end yields are falling and the dollar is weakening, conditions that could become increasingly supportive for bitcoin, gold, and other risk assets.

Binance Co-CEO Richard Teng on Tokenized Stocks, RWA Perps, and the US QuestionTokenized stock volume went from under $1 billion in mid-2025 to tens of billions a month in 2026, and RWA perpetuals are now trading at close to parity with Bitcoin perps on the biggest venues. Binance sits at the center of that shift, holding roughly half of tokenized stock perp volume.I sat down with Richard Teng, Co-CEO of Binance, to ask what's actually driving the growth, whether it's speculation or structural demand, and the question everyone in the US keeps asking: does any of this ever land onshore?00:10 Sponsor iTrust00:50 BNB joins Mastercard02:15 Liquidity beyond crypto05:30 CLARITY impact on Binance07:45 What if CLARITY doesn't pass?08:50 bStocks: 24month prediction11:20 bStocks moving fast13:20 BNB beating Solana14:30 Bloomberg: HYPE was an unprecedented move16:45 Binance seek US compliant perp-trading through a separate registered entity?17:15 Tethers audit global impact18:50 Tokenized gold vs BTC adoption20:00 Blockchain Week announcements?⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺Become a supporter of this podcast: https://www.spreaker.com/podcast/the-paul-barron-crypto-show--4747781/support.Join our community!Barron Market Edge (FREE)➜ https://www.paulbarronnetwork.com/barron-market-edge-signupPrivate Telegram Group (FREE) ➜ https://t.me/+nISqoMxrok40NTcxSubscribe on YouTube ✅ https://bit.ly/PBNYoutubeSubscribeX/Twitter

In this episode, Austin chats with Declan from Aurora Labs about building on NEAR's Intents architecture. Declan explains why intents go beyond “a better bridge UI" and how Aurora Intents actually work, enabling one-click cross-chain journeys. They discuss how the protocol helps create liquidity, adoption metrics (over $21B lifetime volume, about $1B monthly), and use cases across wallets, neobanks, payments, RWAs, and more. The conversation also explores inherent cross-chain risks, as highlighted by a Litecoin reorg double-spend incident, and the need for insurance-like protections for onchain products.  0:00 - Aurora Intents Overview  02:57 - Intents vs Bridges  05:21- Solver Network Explained  06:23 - Aurora Intents' Behind the Scenes Flow  07:43 - Liquidity and Market Making  08:55 - Real World Use Cases  11:25 - Confidential Intents  16:11 - Intents' Speed Tradeoffs and Risks  17:30 - Litecoin Incident Earlier This Year  19:51 - Liability and Insurance  26:08 - Future Verticals for Intents  28:36 - Where to Learn More Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Andrew Wells believes the Treasury's planned liquidity boost to longer-term bonds will add long-term pressure to fixed income markets. He points to the "big move" in yields, from the 10-year to the 30-year, as a bigger warning sign than he believes the Treasury is seeing. Andrew adds to his input by explaining how it all weighs on the Fed's interest rate outlook and this week's Jackson Hole symposium.

Most founders think going public is a liquidity event, but Sam Van says it's a credibility test.In this episode of Startup to Stock Exchange, Seth Farbman sits down with Sam Van, founding partner at SRO Partners and a former 11 year veteran of the New York Stock Exchange, to unpack why the IPO itself is rarely what sinks a company. It's the 12 months after.Sam shares what he's learned advising companies through the full lifecycle of going public, from 25 to 30 months before the bell rings to the critical first year of trading, including why going public today is less a liquidity event and more a credibility test, what actually separates companies that survive their first year public from those that don't, and how his own journey from NYSE regulator to founder of SRO Partners was born by accident out of client relationships. He also opens up about SRO's deep ties to Asian capital markets, his personal connection to Vietnam, and his role brokering the NYSE-Ho Chi Minh Stock Exchange relationship.In this episode, you'll learn:- Why most companies don't fail at the IPO. They fail 12 months later- Why going public is a credibility test, not a liquidity event- What it really costs to run a public company (and why capital disappears faster than founders expect)- How Sam evaluates whether a company is ready to go public, 25-30 months out- Why SRO Partners was founded by accident, and what the name actually stands for- How Sam built a career bridging Asian markets and US capital, from Singapore to Vietnam- What founders need to understand about credibility, buy-in, and due diligence before they ever consider the public marketsWhether you're a founder, investor, CEO, or simply interested in the journey from startup to public company, this episode offers insights into IPO readiness, capital markets, post-IPO survival, and what it really takes to build a company that lasts beyond the opening bell.

Andreas Steno and Mikkel Rosenvold are back to ask whether Friday's stock market rally marks the return of a more bullish macro setup, and how far this move could run. They break down Scott Bessent's latest intervention in bond markets and what it could mean for yields, the U.S. dollar, and global liquidity. Plus, they dig into the intensifying Anthropic vs. OpenAI battle and ask whether markets are getting another dose of “Warsh hopium” after Friday's price action.

Higher mortgage rates quietly changed the math on one of the most argued questions in personal finance. If you're in tech, with a mortgage, RSUs, and real money to deploy, the answer isn't as obvious as it used to be, and the stakes are higher than a simple rate comparison suggests. In this episode, Amy Walls walks you through how to weigh a guaranteed return against an uncertain one, what extra mortgage payments actually compete with (it's not your 401(k) match), how your equity comp and concentration picture change the call, and how to set a decide-once rule so you stop relitigating it every month. You'll learn: Why higher rates made this an open question again, and what actually changed How to compare a guaranteed payoff return to an uncertain investment return What extra mortgage payments should, and shouldn't, compete with How taxes and the standard deduction can change your math Why liquidity and concentration matter before the mortgage question does How to set a split strategy that respects both the numbers and how you're wired Why paying down the mortgage and investing aren't symmetrical choices (00:00) Introduction (00:16) Should You Pay Off the Mortgage or Invest? (00:57) The Basic Decision Framework (02:26) Why Higher Mortgage Rates Change the Math (03:19) Guaranteed Returns Versus Expected Returns (05:59) Why Personal Behavior Matters (06:09) Common Mortgage Payoff Mistakes (09:02) Using RSUs and Bonuses (09:18) Liquidity and Concentration Risk (12:20) The Value of Peace of Mind (12:34) Lower Fixed Costs and Employment Uncertainty (14:58) When Psychology Changes the Best Decision (15:50) What to Prioritize First (18:47) Choosing a Lane Intentionally (19:07) How to Contact Thimbleberry Financial   To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Bitcoin's rally is accelerating, with BTC climbing toward $78,000 as improving global liquidity, heavy ETF buying, and another massive short squeeze drive the market higher. Matt breaks down roughly $1.6 billion in Bitcoin ETF inflows this week, $3.3 billion in liquidated shorts, and a surge in South Korean retail trading. He also looks at bullish forecasts from Bernstein and Standard Chartered, while questioning whether Bitcoin can break and hold above the psychologically important $80,000 level. The episode also covers Strategy moving back into profit on its massive Bitcoin position, South Korea pushing deeper into tokenized funds and real-world assets, Trump's continued push for the CLARITY Act, and AI use in crypto crime rising sharply. Matt remains cautious despite the sudden return of greed, arguing that the catalysts behind the rally are real, but a powerful bear-market rally still isn't necessarily the beginning of a new bull market. Happy HODLing. Hosted on Acast. See acast.com/privacy for more information.

Stijn Schmitz welcomes Ted Oakley to the show. Ted Oakley is Founder and Managing Partner | Oxbow Advisors. The discussion explores investment strategy, focusing on long-term holdings, hard assets, and contrarian opportunities. Oakley emphasizes the importance of a longer investment horizon, typically holding stocks for three to ten years, while acknowledging that most traders focus on short-term moves, often using leverage and options—which he views as risky. He notes that his firm recently bought back gold, silver, and mining stocks after significant corrections, considering them cheap on a cash flow basis, and continues to hold energy positions. Oakley expresses caution regarding certain AI-driven tech companies, citing concerns about debt levels, earnings quality, and the sustainability of current growth. He sees parallels to the late 1990s and the potential for revaluation if commercial viability falters. He advocates maintaining liquidity to seize opportunities during market dislocations, often holding substantial short-term treasuries alongside gold as a currency hedge against dollar depreciation and long-term inflationary pressures from rising government debt and deficits. The conversation turns to gold, with Oakley viewing the recent pullback to around $4,000 as a buying opportunity for those with a multi-year outlook, expecting much higher prices driven by central bank purchases and de-dollarization trends. He sees gold miners and royalty companies as undervalued, noting strong balance sheets and wide profit margins relative to extraction costs. Silver is also considered attractive, though more volatile. On energy, Oakley highlights the sector's profitability even at moderate oil prices and the structural supply constraints from underinvestment. He recommends a diversified approach across producers, pipelines, and service companies, focusing on quality names bought at a discount to intrinsic value. He also discusses critical minerals and iron ore as part of a broader hard asset strategy to protect against currency debasement. Timestamps: 00:00:00 – Introduction 00:01:00 – Current Investment Opportunities 00:02:23 – Long-term Investment Horizon 00:05:05 – Microsoft and AI Concerns 00:09:37 – Liquidity and Market Risks 00:11:29 – Debasement and Hard Assets 00:14:36 – Gold Market Opportunity 00:18:19 – Silver vs Gold Thesis 00:28:34 – Gold Miners Landscape 00:31:30 – Royalty Companies Value 00:34:01 – Energy Sector Fundamentals 00:39:13 – Critical Minerals Exposure 00:46:35 – Wrap Up Guest Links: X: https://x.com/Oxbow_Advisors Website: https://oxbowadvisors.com YouTube: https://www.youtube.com/user/OxbowAdvisors J. Ted Oakley, CFA, CFP, is Managing Director and Founder of Oxbow Advisors. With more than forty years of experience in advising high net worth clients in the investment industry, Oakley implements the firm's proprietary investment strategies and the “Oxbow Principles” to provide a unique investment perspective. He is a frequent guest on FOX Business News, Bloomberg Radio, Thoughtful Money, The David Lin Report, and many more. Mr. Oakley is a Chartered Financial Analyst (CFA) and a Certified Financial Planner (CFP). He is a member of the Austin Society of Financial Analysts. He is also a Partner of Herndon Plant Oakley Ltd., an investment company. He is a Board Member of Texas State Aquarium, American Bank, and American Bank Holding Company. Mr. Oakley is a United States Army Veteran. Mr. Oakley began his career in Dallas, Texas, over 40 years ago. He is the author of Eleven books: You Sold Your Company, $30 Million and Broke, Rich Kids Broke Kids – The Failure of Traditional Estate Planning, Crazy Time – Surviving the First 12 Months after Selling Your Company, Wall Street Lies, Danger Time, My Story, The Psychology of Staying Rich, Your Money Mentality, Stay Rich with a Balanced Portfolio & his 2025 latest release: Second Generation Wealth. Mr. Oakley's primary philanthropic interest is helping children. He is Chairman Emeritus and Founder of the Foster Angels of South Texas, the largest foster child foundation in South Texas, as well as Chairman Emeritus and Founder of Austin, Texas-based Foster Angels of Central Texas. Also, President and Founder of Advocates for Foster Children Foundation. Mr. Oakley recently arranged for Foster Angels in South Texas to represent The Heart Gallery of Texas to further their adoption efforts.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

What if Uniswap isn't really an exchange at all, but a liquidity network for every asset? This week, Uniswap Founder Hayden Adams explains how Uniswap is evolving from a consumer DeFi app into global financial infrastructure. We explore programmable market making, tokenized assets, public market's IPO problem, Robinhood's breakout traction, and why DeFi could reshape capital markets. Enjoy! TIMESTAMPS: 00:00 Intro 00:28 Uniswap Having A Moment 03:31 What Is Uniswap Today? 08:51 How Uniswap Runs The Business 15:24 Who Is Uniswap Building For? 22:09 DeFi Becoming Financial Infrastructure 26:08 Why Do AMMs Keep Winning? 38:39 The Next AMM Unlock 52:06 Are Traditional IPOs Broken? 01:01:14 Robinhood Chain & Uniswap Partnerships 01:06:19 Uniswap's New Tokenomics 01:11:33 The $100 Million UNI Burn FOLLOW HAYDEN › X/Twitter – https://x.com/haydenzadams › Uniswap – https://x.com/Uniswap FOLLOW THE SHOW › Empire – https://x.com/theempirepod › Jason – https://x.com/jasonyanowitz › Telegram – https://t.me/+CaCYvTOB4Eg1OWJh › Blockworks – https://x.com/Blockworks EVENTS › Join us at Digital Asset Summit 2026 Asia October 7th & Digital Asset 2026 London November 10-11th https://blockworks.com/events DISCLAIMER Nothing said on Empire is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only. Any views expressed are opinions, not financial advice. Hosts and guests may hold positions in the companies, funds, or projects discussed.

Craig says crypto liquidity has dried up dramatically, with Bitcoin stuck inside a month-long range between roughly $62,500 and $65,500 and only a small fraction of tracked trading pairs showing meaningful volume. He remains cautious and wants to see Bitcoin break lower before becoming more aggressive, with $59,000 as the next major area to watch if the current range fails. The episode also covers Craig's current XRP short, potential long setups in Hyperliquid and possibly BNB, and why thin order books make slippage and execution risk much more important right now. His main message is patience: there are still profitable trades, but traders should focus only on strong trends with real liquidity rather than forcing activity in a messy market. Start your free 7-day trial of Market Intern at https://marketintern.com and subscribe to Craig's free newsletter at https://www.thegrowmeco.com. Happy HODLing. Hosted on Acast. See acast.com/privacy for more information.

Bitcoin remains stuck near $63,000 as ETF flows turn negative and thin liquidity leaves the market vulnerable to sharper moves if leveraged traders rush for the exits. Matt covers Strategy raising another $333.7 million without buying more Bitcoin, HIVE locking in a major GPU cloud contract, and tokenized stock activity surging as real-world assets continue moving on-chain. The episode also looks at the CLARITY Act's odds collapsing to roughly 10%, Binance reportedly providing customer data to Russian authorities, Chainalysis suing over a $94.6 million ICE contract, and major customer-data breaches affecting Bits of Gold and SafePal. Matt closes by arguing that while Bitcoin's price is flat, the infrastructure, regulation, and security risks surrounding crypto are moving quickly. Happy HODLing. Hosted on Acast. See acast.com/privacy for more information.