Podcasts about liquidity

Summary  In this episode of the Prosperity Podcast, we explore the enduring value of precious metals and the significance of mutual life insurance companies. Host Kim shares insights into assets that retain value over time and emphasizes the importance of having a long-term plan with investments. With current market shifts and the ever-present unpredictability of personal health, the episode underlines thoughtful financial planning. Tune in for timeless principles and financial wisdom that go beyond today's economy..   Episode Highlights 00:01:28 - "And then what?" Deep inquiry on investment goals. 00:04:00 - Gold as savings vs. investment. 00:06:40 - Liquidity needs for emergencies and opportunities. 00:09:29 - Mutual life insurance as a stable asset. 00:10:44 - Focusing on what's unchanging in uncertain times. 00:12:20 - Consequences of delaying insurance purchases. 00:14:11 - Potential health impacts on insurance eligibility. 00:15:17 - Book recommendation: "The Gold Standard" by Saifedean Ammous.   Episode Resources For resources and additional information of this episode go to https://prosperitythinkers.com/podcasts/ http://prosperityparents.com/  https://storage.googleapis.com/msgsndr/yBEuMuj6fSwGh7YB8K87/media/68e557c906b06d836d9effad.pdf  https://www.youtube.com/@KimDHButler   Keywords Prosperity podcast   Precious metals   Centuries-lasting assets   Silver price   Gold price   Financial products   Investment   Savings   Value storage   Asset growth   Emergency fund   Liquidity   Mutual life insurance   Dividend announcement   Whole-life insurance   Cash value   Term insurance   Investment strategies   Economic stability   Actuarial science   Financial planning   Peace of mind   Health and insurance   Procrastination loss   Gold standard   Bitcoin   Economic history   Prosperity thinkers  

Our CIO and Chief U.S. Equity Strategist Mike Wilson discusses key catalysts that investors may be missing, but that are likely to boost U.S. equities in 2026.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast I'll be discussing the converging market forces bolstering our bullish outlook for 2026. It's Monday, January 5th at 11:30am in New York. So, let's get after it. The New Year is usually a time to look forward. But today, I want to take a step back and talk about what the market is missing. A series of bullish catalysts are lining up at the same time, and the market is still underestimating their collective impact. There's been a lot of focus on individual positives—solid earnings growth, further Fed easing—but in our view, the real story is how these forces are reinforcing one another. Deregulation, positive operating leverage, accommodative monetary policy, and increasingly supportive fiscal policy are all working in the same direction. And as we head into mid-term elections later this year, these policy levers are likely to stay supportive.Importantly, this isn't a market that's already priced for the outcomes I envision. Positioning in cyclical trades remains relatively light, and sentiment in economically sensitive areas is far from exuberant. That combination—of improving fundamentals with cautious positioning—is exactly what tends to characterize the early stages of a recovery. I continue to believe these tailwinds are most underappreciated in cyclical areas like Consumer Discretionary Goods, Financials, Industrials, and small- and mid-cap stocks. Many of the indicators we track are only just beginning to turn higher. This doesn't look late-cycle to me—it looks early in what I have deemed to be a rolling recovery. One reason investors have been hesitant is the sluggishness of traditional business-cycle indicators, particularly the ISM Manufacturing Purchasing Managers Index. There's been a reluctance to press cyclical trades until those gauges clearly re-accelerate; and beneath that hesitation is a lingering anxiety that the U.S. economy could even slip back into a growth scare. My view is different. I believe a three year rolling recession ended with Liberation Day. If that's true, then the moderate softness we're now witnessing in lagging labor data is constructive for equities because it keeps the Fed leaning dovish for longer and more aggressive—a positive for equities. I see the second half of 2025 as the bottoming process for key macro indicators; with 2026 shaping up as a year of re-acceleration. Longer-cycle analysis supports this. Specifically, the 45-month cycle of the ISM Manufacturing Purchasing Managers Index points to a rebound. That recovery has been delayed—but not cancelled. Another tailwind that doesn't get nearly enough attention is energy prices. Gasoline prices in particular are sitting near five-year lows, which is providing real economic relief for lower- and middle-income consumers. That cushion matters, especially as other parts of the economy firm. This past weekend's events in Venezuela argue for lower oil prices for longer. From a sector standpoint, Financials stand out as the key beneficiary of deregulation and these stocks have been great performers over the past year in anticipation of these changes. I think there is more to go in 2026. Housing could be another important piece of the recovery. Subdued wage growth and falling rents may pressure home prices, while some builders are prioritizing volume over margins. While that may cap profitability for the builders, it could unlock housing velocity and feed into a more dovish inflation backdrop. Of course, there are also risks. Liquidity has been our top concern since September, and markets have reflected that through weakness in speculative assets. The good news is that the Fed has responded by ending quantitative tightening early and restarting asset purchases through the Reserve Management Program. This effectively adds liquidity to a system that was showing signs of stress this past several months. Another risk is a renewed slowdown in AI CapEx, particularly as markets demand clearer payback from debt-funded spending. And geopolitically, the U.S. intervention in Venezuela raises new questions. Strategically, it reinforces U.S. influence in the Western Hemisphere and supports our ‘Run It Hot' thesis—but the key wildcard remains whether China chooses to react. Net-net, we think the balance of risks and rewards still favor leaning into this early-cycle recovery and our bullish outlook for US equities in 2026. Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

The concept of the 'storehouse mentality' and how it can transform financial strategies for 2026. We explore the importance of treating capital like a banker rather than a gambler, emphasizing the benefits of building a personal wealth warehouse. We speak on non-market correlated assets, the pitfalls of traditional savings, and the advantages of whole life insurance as a financial tool. Takeaways:Stop treating your capital like you're in a casino.Create your own wealth warehouse.Whole life insurance is non-market correlated.Liquidity without liquidation is key.The average return is not the actual return.Banks profit by keeping money in motion.Infinite banking adds a financial tailwind.Every dollar in premium works forever.Market dips don't affect whole life insurance.Control the function of banking in your life.Visit our website:https://www.thewealthwarehousepodcast.com/The concept of the 'storehouse mentality' and how it can transform financial strategies for 2026. We explore the importance of treating capital like a banker rather than a gambler, emphasizing the benefits of building a personal wealth warehouse. We speak on non-market correlated assets, the pitfalls of traditional savings, and the advantages of whole life insurance as a financial tool.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/ABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494

BITCOIN PRICE: WHAT I THINK IS ACTUALLY HAPPENINGI want to be very clear about this, because I've seen a lot of forced narratives flying around over the last couple of weeks. I don't think Venezuela, Maduro, or any single geopolitical headline is what moved Bitcoin. That kind of thinking is way too neat and honestly doesn't line up with how markets actually behave.What this looks like to me is classic end-of-year behavior. People took profits. People harvested losses. Funds cleaned up their books. A lot of capital simply didn't want exposure going into the final weeks of 2025, especially with a new administration, potential policy shifts, and tax considerations all sitting right in front of us. That's not bearish. That's cautious.From a market structure standpoint, the move higher we saw recently looks more like short covering than fresh spot demand. Open interest came down as price went up. That tells you shorts were closing, not that a wave of new buyers suddenly piled in. That's an important distinction, because rallies built on short covering don't behave the same way as rallies driven by sustained inflows.At the same time, sentiment is still weirdly negative. You've got no shortage of people calling for $40,000, talking about a full-on bear market, or claiming the cycle is over. Yet when you step back, the broader setup doesn't really support panic. Liquidity conditions are likely to improve, rate cuts are still on the table, and regulatory clarity is actually better than it was a year ago. None of that screams collapse.https://x.com/FiboSwannySo where does that leave us? Probably in a period of chop and uncertainty. Sideways, maybe lower, maybe higher. Anyone telling you they know exactly what comes next is lying to you. What I do believe is that 2026 starts with a much cleaner slate than 2025 ended with. New incentives, new leadership, and capital that's finally willing to make decisions again instead of sitting on its hands.This doesn't feel like the end of something. It feels like a reset. And those are usually uncomfortable right before they become obvious in hindsight. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Lex speaks with Michael Egorov - Founder of Curve Finance and YieldBasis. Kicking things off about his journey from experimental physicist to founder of Curve Finance and YieldBasis, highlighting how theoretical physics concepts influenced his creation of financial invariants in DeFi protocols.Curve pioneered fully automated concentrated liquidity for stablecoins and introduced veTokenomics, a governance model rewarding long-term commitment with voting power and protocol fees. Egorov defends veTokenomics against criticisms of unlock-driven volatility, citing that most CRV locks average over 3 years and behave like permanent commitments. YieldBasis expands Curve's approach by offering impermanent gain strategies to counter impermanent loss in volatile markets like Bitcoin, aiming to scale toward a $50B market ceiling.The discussion closes with reflections on DeFi token market structure challenges and Egorov's call for protocols to connect token value to real economic flows by activating fee-sharing mechanisms.NOTABLE DISCUSSION POINTS:veTokenomics Drives Long-Term Alignment and Token Sink EfficiencyMichael Egorov introduced veTokenomics in Curve to address short-termism in token governance by requiring users to lock CRV tokens for up to 4 years to gain voting power and protocol rewards. This mechanism has proven effective in practice, with the average CRV lock time exceeding 3 years, effectively removing tokens from circulation. Egorov notes that veTokenomics removed 3x more tokens from supply than buybacks would have, highlighting its material impact on protocol stability and investor alignment.YieldBasis Aims to Neutralize Impermanent Loss via Engineered Impermanent GainYieldBasis builds on Curve's AMM infrastructure by combining two layers: a Curve pool experiencing impermanent loss, and a complementary structure engineered to capture “impermanent gain”. This dual-layer approach statistically delivers net profit in volatile assets like Bitcoin, assuming mean-reverting price movements. Egorov estimates the market ceiling for this strategy at $50 billion, positioning YieldBasis as a scalable solution for volatility-based yield generation.DeFi's Market Structure Issues Stem from Uncertain Token-Economics LinkagesEgorov critiques much of DeFi for failing to connect protocol economics to token value. While Curve distributes fees directly to CRV lockers, most protocols (like Uniswap) have not activated fee-sharing mechanisms (”fee switches”), creating valuation uncertainty. Egorov argues that unless projects “turn the switch on” and reduce economic ambiguity, token pricing will remain volatile and fragile, hindering broader adoption and investment confidence.TOPICSCurve Finance, YieldBasis, Uniswap, MakerDAO, Convex, StakeDAO, Threshold Network, NuCypher, AladdinDAO, Athena, Yearn, DeFi, veTokenomics, AMM, Stablecoin, Tokenomics, Governance, CRV Token, Ethereum, ETH, Bitcoin, BTC ABOUT THE FINTECH BLUEPRINT

Crypto News: Bitcoin and Altcoins such as Pepe start moving up. BitVentures makes first crypto mining move weeks after Nasdaq rebrand.Brought to you by

In this wide-ranging conversation, Gautam Baid joins Excess Returns to discuss the principles that shaped his investing philosophy, the lessons learned through bear markets, and why compounding, patience, and quality matter far more than forecasts or short-term performance. Drawing from his books The Joys of Compounding and The Making of a Value Investor, Baid shares a deeply reflective framework for long-term investing, portfolio construction, behavioral discipline, and global diversification, with insights spanning Indian and US markets, liquidity cycles, AI, and investor psychology.Main topics covered• The asymmetric power of compounding and why being wrong half the time can still lead to exceptional long-term returns• Why patience, temperament, and behavior matter more than analytical precision in investing• The role of journaling in improving decision-making and avoiding repeated behavioral mistakes• How investor sentiment reveals itself through IPO markets and portfolio quality late in bull cycles• Why long-term investing requires continuous monitoring rather than buy-and-forget complacency• Letting winners run, cutting losers, and understanding power-law outcomes in stock markets• Liquidity cycles and how they drive market returns in both India and the United States• How bear markets reshape investing philosophy toward resilience, quality, and diversification• When averaging down makes sense and when it is dangerous• The differences between Indian and US equity markets, valuations, and governance• Why home country bias can be a major risk for US-based investors• AI, productivity, profitability, and where future market winners may emerge beyond mega-cap tech• Why passion for investing matters more than money in sustaining long-term successTimestamps00:00 Introduction and the asymmetric nature of compounding01:00 Gautam Baid's investing background and books03:00 The importance of journaling and learning through bear markets06:00 Investor sentiment, IPOs, and late-cycle market behavior10:20 Long-term investing versus complacency and monitoring risk14:15 Convex upside, concave downside, and letting winners run18:30 Liquidity cycles and lessons from Stan Druckenmiller22:45 Identifying market bottoms and the anatomy of bull and bear markets28:00 Averaging down, quality, and risk management30:30 How bear markets change investor psychology and strategy33:00 Patience, management quality, and long-term optionality36:15 Mr. Market, price signals, and market intelligence39:00 The Federal Reserve, inflation, and asset price dynamics44:00 Understanding the Indian equity market and valuation structure46:45 Why global diversification matters for US investors50:30 AI, margins, and the future of value investing53:00 Passion, purpose, and the psychology of long-term investing54:30 The single most note investors should learn

The crypto market rally resumed today, Jan. 2, as investors bought the recent dip. Bitcoin price rose to over $88,500, while Ethereum jumped by $3,000. The market capitalization of all tokens jumped by 1.35% to over $3 trillion.~This episode is sponsored by Uphold~Uphold Get $20 in Bitcoin - Signup & Verify and trade at least $100 of any crypto within your first 30 days ➜ https://bit.ly/pbnuphold00:00 Intro00:50 Sponsor: Uphold00:44 Fed balance sheet surging01:15 Fear & Greed02:00 ETF historic losses02:40 Biggest trend in 2026 ( stablecoin & AI )04:20 Structure Bill will reignite once congress comes back06:20 CLARITY Act will open doors for younger investors07:40 Robinhood vs Coinbase09:00 Market structure will unlock stablecoins for brands12:15 Will ETH go parabolic this year?13:10 Tom Lee Jan.1414:20 BNY Mellon: Tokenization is the MEGA-Trend15:20 DeFi 202516:30 Solana RWA17:10 Prediction markets 202517:45 Will alts finally pump?18:50 Year end prediction19:35 Charts20:50 Outro#Crypto #Bitcoin #Ethereum~Crypto Liquidity Roaring Back Soon?

This investigation looks at what existed before Goliath Ventures Inc ever collapsed — before missed payouts, before silence, before the excuses. It examines how trust was established, how credibility was borrowed, and how millions were raised long before anything verifiable was ever built.This is not a hindsight critique. It's a reconstruction of origins.HOW TO REPORT GOLIATH VENTURES INCdehek.com/general/scam-fraud-investigations/how-to-report-goliath-ventures-inc-and-take-action-if-youve-lost-money/THE FOUNDATION BEFORE THE MONEYGoliath Ventures did not begin with a functioning product, a proven trading operation, or verifiable revenue. What it began with was proximity — to people, to narratives, to perceived success. Introductions mattered more than evidence. Associations mattered more than documentation. Early confidence replaced early proof.From the outset, there were ambitious claims about crypto mining, liquidity pools, and sophisticated strategies. Yet there is no clear record of mining ever being operational, no evidence of mined bitcoin sold to the market, and no independently verifiable proof that any promised strategy was producing external revenue.That distinction matters.THE SHIFT IN THE STORYAs time went on, the narrative evolved. Bitcoin mining faded into the background. Liquidity provision became the new explanation. The language grew more technical, more abstract, and harder for the average investor to challenge. Contracts referenced specific mechanisms, but public explanations rarely matched how those mechanisms actually work.At the same time, fixed rates of return were offered — monthly, quarterly, yearly. That is not how legitimate mining or liquidity provision typically operates. Profit-sharing is variable. Risk is explicit. Guarantees are rare.BORROWED CREDIBILITYWhat did work was trust by association. People trusted people who trusted other people. Social proof traveled faster than verification. Questions were softened by familiarity. Skepticism was reframed as negativity. The absence of proof was masked by confidence and repetition.In environments like this, belief spreads faster than facts.WHEN PAYMENTS STOPPEDOnce payouts became delayed, then missed entirely, the tone changed. Communication shifted. Responsibility blurred. Investors were told to be patient. Explanations multiplied, but clarity did not.Crucially, despite repeated claims that investments were “fully insured,” there has been no evidence presented that any insurance claim was ever filed to cover missed payouts — raising serious questions about whether such insurance ever existed in the first place.INTENT, FAILURE, AND ACCOUNTABILITYSome argue that if Goliath began with legitimate intent, then this is simply a failed business, not a crime. That question matters legally. But intent is not proven by good storytelling — it's proven by actions, records, and outcomes.A project that never gets off the ground, never produces verifiable external revenue, and yet consistently offers fixed returns while raising new funds does not automatically become legitimate simply because failure is claimed after the fact.This investigation does not declare guilt. It documents what can — and cannot — be shown.And what's missing is just as important as what's claimed.WHY ORIGINS MATTERIf the foundBuy Me a Coffee I'm on @buymeacoffee. If you like my work, you can buy me a coffee and share your thoughts.Support the show

Danny McCabe, Co-founder and CEO of Flexa, joined me to discuss how the firm is helping crypto become accepted as a form of payment at every point of sale.Topics: - Flexa's crypto payment solutions - Crypto payment trends - retail and institutions - Rise of stablecoins in payments versus BTC and other crypto assets- Future of crypto payments Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

On this TCAF Tuesday, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and special co-host ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Garrett Baldwin! This episode is sponsored by Public. Find out more at https://public.com/WAYT Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Public Disclosure: Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at http://public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

111 Embracing Failure as Fuel for Success | T.R. Richardson at The Liquidity Event. Nov 20, 2025   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event November 20, 2025 | Sponsored by Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys. T.R. Richardson, Chief Training Officer at Richwood International, delivers a transformative message on the power of failure and how it shapes the path to long-term success. In his talk, "Embracing Failure as Fuel for Success," T.R. reveals why setbacks are not signs to stop, but powerful push-forwards that build resilience, sharpen strategy, and strengthen your capacity to win. Whether you're growing a business, leading a team, or navigating personal goals, his insights will challenge the way you view obstacles and equip you to turn every failure into momentum. ------------------ Struggling with a denied or delayed insurance claim? Let the experts at Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys, help you get what you're owed. Visit https://insuranceclaimhq.com and take the first step toward the settlement you deserve. Hosted by Randolph Love III, ChFC®, The Entreprenudist Podcast is a platform where real entrepreneurs and business owners bare it all. Ranked in the top 10% of business podcasts, it shares unfiltered stories, challenges, and triumphs, providing valuable insights for aspiring and seasoned business leaders alike.

How to Build a Business Fortress: Liquidity, Cash Flow, and Exit Readiness with David Barnett   Build a Business Fortress: Why Liquidity Beats Leverage and Most Businesses Never Sell   Most owners assume the big payoff will come when they finally sell the business. The hard truth is that roughly 80 percent of small businesses listed for sale never actually sell as going concerns. The real payoff is in the years of ownership: the cash flow you extract, the wealth you build outside the business, and the resilience you create so you can survive the next punch in the face. In this episode of Profit Answer Man, David Barnett, author of The Business Fortress, joins me to talk about how to make your company stronger, safer, and more valuable long before you ever talk to a buyer.   In This Episode, You'll Learn:  Cash Flow Problems Are Symptoms, Not Causes. Owners often shout "I have a cash flow problem" and immediately reach for more sales or more debt. David reminds us that cash flow pain is usually a symptom of a broken model: mispriced services, hidden payroll costs, or not truly knowing what it costs to deliver your product. A missing 4–5 percent in labor burden or benefits can wipe out half your planned profit before you even notice. Liquidity Is More Powerful Than Leverage. Everyone celebrates "other people's money." David flips the script: leverage depends on someone else's lending decision; liquidity is under your control. Lines of credit can be cut, termed out, or called just when you need them most. A healthy cash reserve inside your business lets you ride out downturns and seize opportunities when competitors stumble. Growth Can Quietly Crush Your Cash. On paper, growth looks amazing. In reality, fast growth often demands a massive "investment in accounts receivable." You hire staff, buy equipment, and deliver work long before you get paid. Without a plan for the cash gap, owners end up borrowing heavily just to float receivables, which weakens the balance sheet and increases risk. The Real Risk: Will Cash Flow Continue After You Leave? Buyers ask two questions: "What is the cash flow?" and "Will this cash flow continue after I become the owner?" The second question determines whether they do the deal at all and what terms they demand. If all the goodwill lives in you as the owner, or in a few concentrated customers, the risk to the buyer skyrockets and the value of the business drops. Most Businesses Never Actually Sell. David shares a sobering statistic: about 80 percent of businesses listed on the big marketplaces never sell as operating companies. Some equipment may get sold off, but the business itself doesn't transfer. That's why he urges owners to build wealth both inside and outside the business, treat the company as a cash-flowing asset, and have a plan B that does not depend on a big exit check.   Key Takeaway: Treat your business like a fortress you're slowly building over time: strengthen cash flow, build liquidity, reduce dependence on debt, and design the company so cash flow continues even after you step away.   Bio: Barnett loves to say that it took him 10 years to un-learn what he was taught in business school.  University had trained him to be a middle-manager in big enterprises, he was totally unprepared for the realities of small business. After a career in advertising sales, Barnett started several businesses including a commercial debt brokerage house.  Helping to finance small and medium sized businesses led to the field of business brokerage.  Over several years, Barnett sold dozens of businesses for others while also managing his own portfolio of income properties and starting his career as a local private investor. Barnett regularly consults with professionals and banks on business and asset values.  Presently he also works with entrepreneurs and would-be entrepreneurs around the world who are buying, selling or trying to improve their businesses.   Links: Blog: www.DavidCBarnett.com LinkedIn: http://ca.linkedin.com/in/davidbarnettmoncton Facebook: https://www.facebook.com/DBarnettMoncton/ YouTube: https://www.SmallBusinessAndDealMakingPodcast.com Soundcloud: https://soundcloud.com/dbarnettmoncton Instagram: https://www.instagram.com/dbarnettmoncton/ Twitter: https://twitter.com/DBarnettMoncton Email List Signup: https://www.DavidCBarnettList.com   Conclusion: Building a Business Fortress isn't about chasing bigger numbers or hoping for a heroic exit someday. It's about creating a company that produces steady cash flow, protects you when the economy tightens, and gives you real options for the future. As David Barnett reminds us, the real payoff is in the years you own the business—not in a sale that may or may not happen. When you prioritize liquidity, understand your true costs, reduce dependence on debt, and build wealth outside the business, you create a fortress that can withstand storms and deliver lasting freedom. The question isn't whether your business will sell someday—it's whether it's strong enough to support the life you want today.   #ProfitAnswerMan #BusinessFortress #CashFlow #SmallBusinessFinance #Liquidity #ExitPlanning #BusinessSale #Entrepreneurship #BusinessOwner #FinancialFreedom   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page  Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

In this episode of Beer and Money, Ryan Burklo discusses the complexities of financial planning, emphasizing the ever-changing nature of financial goals due to various life factors. He highlights the psychological barriers that prevent individuals from engaging in financial planning and stresses the importance of understanding personal goals. Ryan outlines the necessity of a comprehensive financial plan that accommodates market volatility and provides peace of mind. He encourages listeners to take proactive steps in their financial planning and offers resources for further assistance. #financialplanning #equitycompensation #marketvolatility #psychologicalbarriers #cashflowplan #financialsecurity #investmentstrategies #financialscorecard #holisticfinancialplanning #peaceofmind   Takeaways Financial planning is influenced by changing life circumstances. Psychological barriers often prevent individuals from seeking financial advice. Understanding personal goals is crucial for effective financial planning. A comprehensive financial plan should account for market volatility. Regularly revisiting financial plans can lead to proactive adjustments. Peace of mind comes from a holistic approach to financial planning. Liquidity and access to funds are essential in financial planning. Investment strategies should align with personal financial goals. A financial scorecard can provide valuable insights into one's financial health. Working with a financial planner can help clarify complex financial situations. Chapters 00:00 Understanding the Moving Target of Financial Planning 02:52 The Psychological Barriers to Financial Planning 05:45 Building a Comprehensive Financial Plan 09:06 Achieving Peace of Mind Through Financial Planning

In this episode we are joined by Omnia and we discuss Kinetiq's liquid staking strategy on Hyperliquid, including kHYPE and kmHYPE products, xLSTs, risk isolation, and token design. We also cover the upcoming Markets exchange by Kinetiq, oracle and asset plans, ecosystem maturity, security practices, and distribution strategy. Thanks for tuning in! As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. -- Follow Blockworks Research: https://x.com/blockworksres Follow Kinetiq: https://x.com/kinetiq_xyz Follow Markets: https://x.com/markets_xyz Follow Omnia: https://x.com/0xOmnia Follow Shaunda: https://x.com/shaundadevens Follow Danny: https://x.com/defi_kay_ Follow Boccaccio: https://x.com/salveboccaccio -- Katana directs chain revenue back to DeFi users for consistently higher yields. It starts with VaultBridge, which turns bridged assets into yield streams that back a perpetually funded real yield, boosting rewards for DeFi users. Katana is pioneering Productive TVL, assets actually being used in DeFi and reinforces this with Chain-owned Liquidity, permanent liquidity the chain controls. Stop sleeping on your bags: https://app.katana.network/?utm_source=BW-Pod -- Subscribe on YouTube: https://bit.ly/3foDS38 Subscribe on Apple: https://apple.co/3SNhUEt Subscribe on Spotify: https://spoti.fi/3NlP1hA Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Timestamps: (0:00) Introduction (1:03) Kinetiq's Major Announcement (5:28) kmHYPE and xLSTs (11:49) kmHYPE's Risk Profile (16:10) Asset Listings (18:22) Oracle Providers (21:42) Trading Activity Monetization (26:07) Bringing In New HYPE Stakers (31:04) Katana Ad (31:46) Kinetiq's Tokenomics (41:20) How Has The HyperEVM Landscape Changed? (47:28) Omnia's Closing Comments (48:42) Katana Ad (49:17) Final Thoughts -- Check out Blockworks Research today! Research, data, governance, tokenomics, and models – now, all in one place Blockworks Research: https://www.blockworksresearch.com/ Free Daily Newsletter: https://blockworks.co/newsletter -- Disclaimer: Nothing said on 0xResearch is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Boccaccio, Danny, and our guests may hold positions in the companies, funds, or projects discussed.

Kaledora Fontana Kiernan-Linn is the CoFounder and CEO of Ostium.In this episode, we learn how Ostium is building a next-gen trading platform on Arbitrum, bringing deep liquidity to asset classes like commodities, equities, indices, and RWAs onchain, while pursuing a unique long-term vision to reinvent CFD-style market access through DeFi.------

In this episode, we ask: Would you like to hear Part 1? Why does uninterrupted compounding beat every mutual fund? Would you like to go to bankonyourselfbook.com to get the new book? What do Brian Kay, Tim Austin and Pamela Yellen know that other financial gurus have failed to tell us? How far does the influence...

The Last Trade: Matt Odell on the 2025 postmortem: why BTC lagged gold, how DATs wrecked sentiment, what the quantum debate gets wrong, and what changes when institutions take the wheel.---

Interview recorded - 17th of December, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Alasdair Macleod. Alasdair is an educator for sound money, economics, geopolitics and everything to do with gold and silver. During our conversation we spoke about his review of 2025, inflation, liquidity issues, what to look for in 2026, changing monetary trajectory, Chinese strategy and more. I hope you enjoy!0:00 - Introduction1:26 - Review of 20253:40 - Inflation5:49 - Liquidity issues13:26 - JP Morgan buying bonds15:26 - Global issues21:12 - 2026 trends21:42 - Changing monetary trajectory24:06 - Chinese strategy28:54 - One message to takeaway?Alasdair Macleod is is an educator and advocates for sound money through demystifying finance and economics. His background includes being a stockbroker, banker, and economist.Alasdair Macleod started his career as a stockbroker in 1970 on the London Stock Exchange. Within nine years, he had risen to become senior partner of his firm.Subsequently, he held positions at the director level in investment management and worked as a mutual fund manager. Mr. Macleod also worked at a bank in Guernsey as an executive director.For most of his 40 years in the finance industry, he has been demystifying macroeconomic events for his investing clients. The accumulation of this experience has convinced him that unsound monetary policies are the most destructive weapon governments use against the common man. Accordingly, his mission is to educate and inform the public in layman's terms what governments do with money and how to protect themselves from the consequences.Alasdair Macleod - Substack - https://alasdairmacleod.substack.com/Twitter - https://twitter.com/MacleodFinanceLinkedIn - https://www.linkedin.com/in/alasdair-macleod-9494b27/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

In this episode, we go deep into Delphi's 2026 Market Report to unpack the one liquidity chart most investors are ignoring, and why it could determine whether crypto breaks down… or breaks out over the next 12–24 months.~~~~~

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk Douglas Tuman has a conversation with Omar Espejel, a StarkNet Foundation developer building trustless atomic swaps between Monero and StarkNet, aimed at providing decentralized on- and off-ramps amid widespread exchange delistings. Omar explains his background in the StarkNet ecosystem, his alignment with Monero's privacy-first values, and a personal experience that led him to prioritize financial privacy. The discussion focuses on a new atomic swap design enabled by StarkNet's recent move to BLAKE2s hashing, allowing low-cost, peer-to-peer swaps where cryptographic guarantees ensure either both parties succeed or both fail. By leveraging audited, open-source code from the Monero community (notably Serai and Commit Network), the project allows Monero users to access broader liquidity and Ethereum DeFi without wrapped assets or trusted bridges. Omar outlines StarkNet's evolving privacy roadmap, and his intention to present the work at Monero Topia, as part of a broader resurgence in privacy-focused crypto infrastructure. TIMESTAMPS: Coming soon! GUEST LINKS: https://x.com/espejelomar Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

It all comes back to the DNA.The firms that know who they are will know who to be.You can learn a lot about an investment firm by listening to what they say.Alt Goes Mainstream's AGM Originals Series - The DNA: Capturing Culture - is dedicated to capturing the DNA of a firm by listening to what they say.The first season of The DNA stars EQT. In Stockholm, at EQT's AIM this past summer, I sat down for conversations with nine EQT executives.Each executive came from different parts of the firm — and different parts of the world.Each had fascinating backgrounds and stories about how they ended up in private markets and worked to build EQT.But there was a single throughline threaded throughout all of the discussions: the consistency and frequency that each executive talked about the firm's mission, vision, culture, and values.That's why it all comes back to the DNA.Episode 2 features EQT's Jean Eric Salata.Jean Eric Salata is the Chairperson EQT Asia and Head of Private Capital Asia. Jean started the regional Asian private equity investment program for UK-based Baring Private Equity Partners Ltd in 1997 and later led the management buyout of this program in 2000 to establish BPEA as an independent Firm. He has since been responsible for the investment activity of BPEA until 2022, when the company joined forces with EQT and was renamed BPEA EQT.Prior to BPEA, Jean was a Director of Hong Kong-based AIG Global Investment Corporation (Asia) Ltd., the Asian private equity investment arm of AIG. Prior to that, Jean was the Executive Vice President of Finance of Shiu Wing Steel, a Hong Kong-based industrial concern, and prior to that a management consultant with Bain & Company based in Hong Kong, Sydney, and Boston.Jean holds a B.S. (Hons) in Finance and Economics from the Wharton School of the University of Pennsylvania, where he graduated magna cum laude.Please enjoy this conversation with one of the industry's leaders in Jean Eric Salata.You can stream all the episodes on AGM's YouTube channel at AltGoesMainstreamAGM.Show Notes00:00 Introduction: The DNA of Firms00:34 Conversations with EQT Executives01:05 Jean Salata: Chairperson of EQT Asia01:32 Jean's Early Life and Career02:26 Journey to Asia03:28 Cultural Comparisons and Private Equity04:45 The Asian Private Equity Market05:09 Structural Alpha in Asia06:12 Shareholder Activism in Japan06:45 Liquidity in Indian Stock Market08:10 Evolution of BPEA's Strategy10:16 Challenges and Opportunities in Asia11:42 EQT's Partnership and Culture12:04 Building a Lasting Enterprise13:23 Industry Consolidation Trends14:54 Growth Opportunities in Asia15:24 Rebalancing Capital to Asia16:07 Underpenetration in Private Equity18:17 Family Businesses and Generational Change18:46 Wallenberg Heritage and EQT's Reputation20:02 Long-term Growth in Asia20:50 Mid-Market Growth Fund21:21 Exit Market in Asia23:01 Perceived vs. Actual Risk in Asia23:49 Thematic Investing and Value Creation24:32 Alpha in Asian Markets25:35 Intellectual Stimulation in Asia26:44 Leadership and Continuous Learning28:38 Motivation and Career Development31:12 Conclusion and Final Thoughts

Thank you to our sponsor, Mantle. Sign up for their hackathon here!After a “weird” year in the markets, hosts Ram Ahluwalia and Christopher Perkins are joined by Ava Labs' President John Wu for a candid debate about where crypto really is in the cycle—and what needs to happen next. The panel wrestles with a question many investors are quietly asking: has the market washed out enough to set up the next move, or is something still missing? They explore why momentum has faded, what signs would suggest it's coming back, and why 2026 keeps coming up in long-term conversations—even as near-term enthusiasm remains divided. Plus, why TGEs are “dying” and, with the rise of super apps, does Coinbase has an edge on Web2 players like Robinhood?  Hosts: Ram Ahluwalia, CFA, CEO and Founder of Lumida Christopher Perkins, Managing Partner and President of CoinFund Guest: John Wu, President of Ava Labs Links: Unchained:  Circle Acquires Interop Labs Team, Excludes Axelar Foundation and Token  Aave's Rushed Governance Vote Draws Backlash UNI Token Rallies as Voting Begins on UNIfication Proposal Bitcoin's Demand Boom is Fading: CryptoQuant Alex Thorn predicts BTC will reach $250K by end of 2027  Memento's research on TGEs  Jeff Dorman on X: “I don't know a single liquid fund that has bought a new token on TGE in over 2 years.” CoinDesk: Coinbase rolls out stock trading, prediction markets and more in bid to become the 'Everything Exchange' The Block:  Coinbase to acquire prediction markets startup The Clearing Company AAVE token holder proposes 'poison pill' for DAO to absorb Aave Labs amid contentious revenue debate Timestamps:

Crypto 2026 prediction - what will happen with Bitcoin and Altcoins in the new year? Brought to you by

We continue our SEC-focused series with a discussion of management's discussion and analysis (MD&A), a topic that remains a consistent focus in SEC staff comment letters. In this episode, we explore the latest trends, common themes, and areas of emphasis—including results of operations, liquidity, and critical accounting estimates—and share practical considerations as companies prepare year-end filings.In this episode, we discuss:1:31 – An overview of SEC comment letter trends related to MD&A6:43 – The results of operations25:16 – Liquidity and capital resources28:30 – Critical accounting estimates35:24 – Final reminders and best practices related to MD&AIn case you missed it, check out the previous episodes in this SEC-focused series:SEC now: Segments 2025 comment letter trendsSEC now: 2025 comment letter trends on transactionsSEC now: Non-GAAP 2025 comment letter trendsSEC now: Today's landscape and recent developmentsFor more on the SEC, listen to our recent episodes:Key takeaways from the AICPA & CIMA ConferenceSEC to revisit quarterly reporting: Pros, cons, and what's aheadBe sure to follow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop.About our guestsLindsay McCord is a PwC National Office partner specializing in matters related to the SEC and the capital markets. Prior to joining PwC, Lindsay spent over 15 years at the SEC, most recently as the Chief Accountant in the Division of Corporation Finance. In this role, Lindsay led an accounting team in providing technical accounting and reporting support to the Division, including SEC rulemaking, interpretation, and guidance.Ryan Spencer is a partner at PwC's National Office specializing in SEC reporting matters both for US domestic issuers and some of the world's largest foreign SEC registrants. He has over 25 years of experience serving clients and is a frequent contributor to PwC's publications.About our guest hostKyle Moffatt is PwC's Professional Practice leader, leading a team responsible for working with standard setters and regulators as well as delivering brand-defining thought leadership and educational materials. He also consults with engagement teams and audit clients on SEC reporting matters. Before PwC, Kyle spent almost 20 years with the SEC, most recently as Chief Accountant and Disclosure Program Director in the Division of Corporation Finance.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.com Did you enjoy this episode? Text us your thoughts and be sure to include the episode name.

Summary 

Nearly 100 million UNI votes already support Uniswap's UNIfication proposal ahead of the Christmas Day deadline. The plan activates protocol fees, launches a 100M UNI retroactive burn, and redirects Unichain sequencer revenue. Uniswap Labs and the Foundation would unify operations, shifting focus to protocol growth over interface monetization.~This episode is sponsored by BTCC~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCC00:00 intro00:05 Sponsor: BTCC00:43 We Called It01:20 Christmas Vote Deadline02:05 Odds of Passing02:19 Volume Skyrocketing02:33 $4 Trillion in volume02:49 Top ETH App03:21 Matt Hougan: Institutions Will Love $UNI04:25 Less Employees Than Coinbase05:01 Bank Onramp Into Uniswap05:58 Uniswap Fees vs Other Wallets06:17 Aerodrome vs Uniswap06:38 SOL, XRP, and ADA Coming to Uniswap06:54 Charles Hoskinson: Uniswap vs Cardano Apps07:12 Liquidity & Distribution is King07:28 Cathie Wood Can't Understand It07:40 Institutional Exposure To $UNI08:03 CLARITY Act will most benefit $UNI08:18 DeFi Season 2.0 Potential08:49 Uniswap a Buy?09:13 outro#Crypto #Ethereum #Uniswap~Uniswap Historic Vote & Burn in Two Days!!

Nokukhanya Mntambo speaks to Mphahlela Mokgatle, Equity Partner at BDO, about why companies can be profitable on paper yet still run into cash flow problems or collapse, highlighting how poor liquidity and mis-aligned capital strategies, not earnings, often sink otherwise successful businesses. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

As the calendar winds down, the markets play by a different set of rules. In today's episode, I answer a viewer's key question: How do I trade the final two weeks of the year? From thinning liquidity and distorted price action to year-end positioning and headline risk, we'll break down what changes—and what absolutely does not. I'll also dive into the major news and market headlines for the day, explaining how I filter noise, manage risk, and stay selective when conditions are less than ideal. If you want to finish the year disciplined—not desperate—this episode is for you. Listen now:

"Public markets are behaving more like private markets. Private markets want to behave more like public markets. So actually, they're just one market.What's not the same is the level of research, information, data disclosure. Correct. That's the only difference. It's this information gap that, to us, is the single biggest opportunity now.We think over the course of the next five to 10 years, there'll be more trading venues, more liquidity providers, more market makers, more investor types—all of that. And I think what Smartkarma has always done is be the information flow for part of capital markets.In fact, that sort of 74 billion number, I think, is quite conservative. I've seen other estimates that are close to 120 billion. So it depends on what you see as sort of growth and what you see beyond. But regardless, I think it's very large numbers, and the ratio of exit to invested capital is extremely low. A 50 billion hole is a pretty big hole." - Raghav Kapoor, CEO of SmartkarmaRaghav Kapoor, CEO & co-founder of Smartkarma, joined us for a conversation on the launch of PvtIQ and the structural transformation of Asia's private markets. Drawing from his experience building Smartkarma's independent research platform, Raghav explained how client demand for pre-IPO coverage led to creating PvtIQ, an intelligence platform designed to bridge the critical information gap in Southeast Asia's private markets. We discussed the striking imbalance where $74 billion has been invested into the region's tech ecosystem but only $23 billion has been returned through exits, highlighting the urgent need for better data infrastructure and price discovery. Raghav shared unique insights on how families dominate the region's investment landscape, why private and public markets are converging into one, and his vision for PvtIQ to become the intelligence backbone supporting companies, investors, and regulators in bringing more transparency and efficiency to Asia's rapidly evolving private market ecosystem.Episode Highlights:[00:00] Quote of the Day by Raghav Kapoor[00:57]] Smartkarma launches PvtIQ for Asia's private markets[03:11]] Investors requesting coverage three years before IPO[04:08]] Supporting MAS equity market development program[05:24]] Singapore's public markets languished despite private growth[06:13]] Path from fundraising to public listing explained[08:37]] $74 billion invested, only $23 billion exits[09:45]] Companies need support to achieve IPO readiness[11:00]] Capital chasing deals shifted to improving disclosure[11:57]] Southeast Asia's extreme market fragmentation challenges[13:23]] Families dominate and influence Southeast Asian markets[14:38]] Lack of data creates serious structural challenges[19:01]] Private market investors transitioning from momentum investing[20:18]] Digital banks provide disclosure model for research[21:24]] Late stage private rounds resemble public IPOs[23:26]] Liquidity without information is just volatility[24:06]] Private and public markets converging into one[25:30]] Information gap is the single biggest opportunity[27:00]] Private market research TAM already $8 billion[28:57]] What great looks like: intelligence backbone for Asia's private markets[30:57]] ClosingProfile: Raghav Kapoor, CEO and co-founder, SmartkarmaLinkedIn: https://www.linkedin.com/in/ragkap/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format. Recorded in Poddster Singapore

In today's Tech3 from Moneycontrol, we break down why 2025 has emerged as a blockbuster year for new-age IPOs, with startups raising nearly Rs 40,000 crore as private funding slows. We also look at YouTube's growing bet on live content and connected TVs, Kuku's plans for a Rs 3,000 crore IPO, and why Meesho's newly listed shares hit the lower circuit after a sharp rally.

David C. Barnett breaks down buying small businesses vs real estate, the risks investors overlook, and how to build resilient, cash-flowing companies.In this episode of RealDealChat, Jack Hoss sits down with David C. Barnett, author of The Business Fortress and one of the most respected voices in small business acquisition, to unpack the real differences between buying businesses and investing in real estate.David shares his journey from business brokerage to banking to building a global advisory firm helping buyers and sellers avoid catastrophic mistakes. He explains why business brokerage is fundamentally broken, how leverage cuts both ways in small businesses, and why “absentee ownership” is one of the most dangerous myths investors believe.You'll learn why operational leverage can destroy profits overnight, how liquidity (not growth) determines survival, why balance sheets matter more than P&Ls, and how long-term content creation (YouTube, books, email) quietly outperforms flashy marketing tactics.This episode is a must-watch for real estate investors considering business acquisitions—and for entrepreneurs who want to build a business fortress that survives downturns and exits cleanly.

In this episode of The Defiant podcast, Camila Russo sits down in Buenos Aires (Devconnect) with Marissa Foster (Product, Ethereum Foundation) and Yoav Weiss (security researcher, Ethereum Foundation) to unpack The Trustless Manifesto and the Ethereum Interop Layer (EIL), why “trust assumptions” are quietly creeping into Ethereum's stack, and what it will take to preserve Ethereum's core values while making UX actually usable.We dig into the hidden places users are forced to trust intermediaries, from cross-chain interoperability and solvers to something most people never question: RPCs. Then we get practical: the guests walk through the EIL, a new approach to cross-chain UX that aims to deliver one-signature interop without introducing new trust assumptions, plus why the wallet becomes the center of the user's security model.Finally, we zoom out: how should wallets warn users, what does “walkaway test” really mean, and why institutions may end up being one of the strongest forces pushing crypto toward less counterparty risk.Topic list: • Why Ethereum's next phase is “mainstream adoption” — and why that raises the stakes • The Trustless Manifesto: what it is, why it was written, and what it's trying to prevent • Where trust assumptions sneak in: bridges, interop protocols, sequencers, oracles • RPCs as a giant blind spot: “we trust RPCs blindly” and why that can have real-world consequences • Trustlessness vs UX: why “great values + bad UX” can still lose users • “You can't build something trustless on top of something that isn't trustless” • What users should demand — and why it can't require everyone to be a security expert • How “beat” frameworks help: L2BEAT, upcoming interop criteria, and Walletbeat • The walkaway test: what happens if the team/server/intermediary disappears (or turns hostile)? • L2 sequencers: permissioned vs permissionless, censorship risk, and practical exit paths • Cloud dependencies (Cloudflare outage) and what it reveals about today's “decentralized” apps • Ethereum Interop Layer (EIL) explained: one-signature, wallet-centric, self-executing interop • Why “solvers open the envelope” — and how EIL avoids that trust model • Liquidity providers, vouchers, and how users pay gas cross-chain without the usual friction • Standards and coordination: wallets, L2s, and dapps all need to meet in the middle • The HTTP analogy: Ethereum today as the “pre-HTTP internet” and what seamless interop could unlock • Institutions and counterparty risk: why big players may push hardest for trust-minimized infrastructure • What's next: testnet learnings, audits, standards, wallet integrations, and 2026 mainnet targetExplore The Defiant ✨

Big changes may be coming to the stock market—and most investors aren't ready for them.Nasdaq is exploring 23–24 hour trading, five days a week, potentially launching as early as the second half of 2026. On the surface, nonstop markets sound convenient. In reality, they could fundamentally change how volatility, liquidity, and investor behavior work.In this episode, Gabriel Shahin, CFP®, breaks down what extended trading hours really mean for your portfolio—and why this shift could benefit institutions far more than everyday investors.What you'll learn: • What 23–24 hour Nasdaq trading would actually look like • Why global participation and faster reactions to news are seen as positives • How after-hours liquidity and wide bid/ask spreads can hurt execution prices • Why higher volatility disproportionately impacts retail investors • The risk of impulse trading and “always-on” market behavior • How earnings reactions, overnight news, and geopolitical events could amplify swings • Operational challenges for brokerages, custodians, and mutual funds • Why institutions may gain an even bigger advantage over individual tradersMore trading hours don't automatically mean better outcomes. Liquidity, discipline, and execution matter far more than access—and nonstop markets could increase costs, volatility, and emotional decision-making for retail investors.This change isn't happening tomorrow, but it is coming. Understanding the risks now is critical to protecting your long-term strategy as markets evolve.

Pascal Wagner interviews Matt Faircloth, John Casmon, and Ash Patel in a year-end roundtable reflecting on the biggest lessons from 2025 across their own portfolios and hundreds of investor interviews. The group digs into why distress has been slower and more “behind the scenes” than expected, how liquidity, discipline, and deal structure mattered more than macro predictions, and why many LPs are now prioritizing cash flow and capital preservation over appreciation. They also debate bridge debt, LP risk assessment, and where opportunities may emerge in 2026—from small-cap multifamily inefficiencies to deeply discounted office assets—while emphasizing accountability, conservative underwriting, and adaptability as the cycle evolves. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Visit bestevercrypto.com today to get started and earn up to $2,500 in bonus crypto. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Kathy Fettke talks with Sharon Karaffa, President of Multifamily Debt & Structured Finance, about today's multifamily lending environment, including liquidity, interest rates, and financing options. They break down how commercial loans differ from residential mortgages, what lenders look for in cash flow and debt coverage, and how Fannie Mae, Freddie Mac, FHA, banks, and debt funds support multifamily financing. A clear, practical episode for investors moving from single-family rentals into multifamily — and anyone looking to understand today's lending landscape.

Learn how to use Infinite Banking to build a real estate empire step-by-step. In this full breakdown, we walk through exactly how to start using your policy, how to analyze deals, how to know which opportunities are worth investing in, and when it's the right time to borrow. We also break down real case studies with actual numbers on the whiteboard and reveal the exact frameworks Chris Miles ( @moneyrippleswithchrismiles ) uses to grow his real estate portfolio using Infinite Banking.Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewGet your tickets to the life insurance summit 2026 - https://thewholelifesummit.com/00:00 - Introduction00:25 - Real Estate Investing01:11 - Tax Write-Offs for Interest01:20 -Who Is Chris Miles?03:07 - New Book and Writing Experience06:05 - The Work Optional Blueprint06:56 - Get Lean07:18 - Get Liquid07:52 - Get Out08:08 - Vetting Investments and the Role of the Operator10:05 - Red Flags in Investments13:44 - Risk vs. Return Philosophy15:15 - Importance of Liquidity and Emergency Funds24:52 - Warren Buffet's Money30:43 - 6% Tax Free36:08 - Investment Flow: Lending Fund43:54 - When Infinite Banking Doesn't Make Sense49:03 - How do People Determine What They Say Yes and No?59:55 - Where Do You Put Their Money?01:03:09 - How You View Your Life Insurance and How You Invest?01:14:37 - Why do You Say Avalanche is the Way of Paying Debt?______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================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.

In this episode of The Liquidity Event, AJ and Shane dig into the trillion-dollar AI ecosystem, from NVIDIA's massive market cap to the circular funding loops tying together OpenAI, Microsoft, and the rest of the AI stack. They debate whether today's infrastructure buildout is necessary progress or a replay of past bubbles, and what happens if one key player breaks the chain. The conversation then shifts to SpaceX's active tender offer, what employees need to know right now, and why timing across tax years can be life-changing for equity holders. Along the way, AJ and Shane explore high-tax residency decisions, year-end planning pressures, and the real-world implications of building massive data centers, including job creation, community development, and energy costs. The episode wraps with behind-the-scenes updates on Gemini, market optimism for 2026, and a refreshingly silly mid-December detour or two. Key Timestamps (00:00) Welcome, holiday vibes, and guest appearance from Charlie Mason (03:00) California pride, taxes, and why people still stay (05:00) How AJ and Shane pick articles (and why tangents win) (08:30) Philly cheesesteaks, grills, and peak mid-December chaos (10:30) NVIDIA, OpenAI, and the trillion-dollar AI money loop (13:30) Circular deals, AI bubbles, and "being right no matter what" (16:30) Infrastructure scale: AI vs. telecom vs. AWS (19:30) Data centers, job displacement, and AI's real costs (22:00) SpaceX tender offers, liquidity timing, and tax strategy (29:00) Gemini updates, 2026 optimism, and wrapping the silliness

US Rates Strategists Teresa Ho, Ipek Ozil, and Phoebe White discuss the implications of the delayed economic data, Fed chair selection process, and the Fed's newly announced Reserve Management Purchases. Speakers Teresa Ho Gentile (U308601) Head of US Short Duration Strategy Phoebe White (I189848) Head of US Inflation Strategy Ipek Ozil (V520278) Head of US Interest Rate Derivatives Strategy This podcast was recorded on 18 December 2025. This communication is provided for information purposes only. Institutional clients please visit www.jpmm.com/research/disclosures for important disclosures. © 2025 JPMorgan Chase & Co. All rights reserved. This material or any portion hereof may not be reprinted, sold or redistributed without the written consent of J.P. Morgan. It is strictly prohibited to use or share without prior written consent from J.P. Morgan any research material received from J.P. Morgan or an authorized third-party (“J.P. Morgan Data”) in any third-party artificial intelligence (“AI”) systems or models when such J.P. Morgan Data is accessible by a third-party. It is permissible to use J.P. Morgan Data for internal business purposes only in an AI system or model that protects the confidentiality of J.P. Morgan Data so as to prevent any and all access to or use of such J.P. Morgan Data by any third-party.

In this episode, senior reporter Carmela Mendoza sits down with Sabina Comis, global managing partner, and Kenneth Young, a partner and co-chair of the corporate and securities practice at Dechert, to unpack key findings from the law firm's 2026 Global Private Equity Outlook. The survey results, gathered from 100 senior-level executives at global PE firms with at least $2.5 billion in AUM, highlight creative deal structures and the importance of distributions for LPs. The results provide insight into where the asset class may be heading in the next 12 months. The discussion centres on the gradual thawing of traditional exit channels. The pair outline the most promising opportunities for capital deployment in 2026. The episode also explores why more GPs plan to make management stake divestitures in the next 24 months and the regional differences behind them; how capital pools are developing to keep companies private for longer; and why future product design of semi-liquid funds could address concerns around valuations.

In the constantly shifting landscape of private credit secondaries, diversification and strategic alignment play crucial roles as navigational aides.In this episode of Cloud 9fin, Josie Shillito, head of private credit at 9fin, delves into the burgeoning market of private credit secondaries with experts Daniel Roddick and Francois Bouillon from Ely Place Partners.They set the scene by highlighting the explosive growth in GP-led secondaries. This has been driven by a pressing need for liquidity amidst subdued M&A and IPO activity. The conversation explores how investors can strategically position themselves to capitalize on this market, emphasizing the importance of understanding the nuances of both LP-led and GP-led transactions.Have any feedback for us? Send us a note at podcast@9fin.com.

What happens when the stock market never really sleeps? In today's episode, we break down the latest proposal to move U.S. equity markets to 23 hours of trading per day. Is this a true evolution in market structure—or a recipe for thinner liquidity, higher volatility, and trader fatigue? We'll explore what changes, who benefits, and who doesn't, and how extended trading hours could impact price discovery, overnight risk, and institutional participation. We'll also dig into the latest unemployment rate, manufacturing data, and hourly earnings, and explain how these economic signals feed directly into market expectations. If you trade equities, futures, or macro themes, this episode is required listening. Listen now:

In this Ask Monument Anything episode, we're answering real questions from listeners of the show. From a question about Michael Burry's bold predictions and why they continue to draw attention, to a discussion of Bitcoin's unusual performance in 2025 and the renewed curiosity around gold as a potential safe-haven asset, the conversation then shifts to private credit's emerging role inside 401(k) target-date funds.   Key takeaways: • The patterns that show up again and again when attention-grabbing forecasts circulate • Forces that pushed Bitcoin into an unexpected direction this year • A renewed focus on gold as investors look for steadier ground • Some new considerations for retirement savers as private credit enters target-date funds • Shifts in interest rates that reshape valuations and private-market activity • Context that helps separate meaningful insight from fast-moving headlines   Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 – Your Questions Answered in This Episode 2:58 – The Michael Burry Obsession and Timing Challenges 10:20 – Consistency Over Hero Trades 12:40 – Bitcoin's 2025 Divergence and Crypto Volatility 20:10 – Supply, Demand, and the Case for "Own It or Don't" 23:15 – Private Credit in 401(k)s: Fees, Liquidity, and Hidden Risks 34:05 – Bonus Question: Rate Cuts and Private Equity Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts Dave Armstrong, CFA and Nate Tonsager, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com 

Our CIO and Chief U.S. Equity Strategist Mike Wilson explains the significance of the Fed's decision to resume buying $40 billion of Treasury bills monthly. Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist.Today on the podcast I'll be discussing the Fed's decision last week and what it means for stocks.It's Monday, December 15th at 11:30am in New York. So, let's get after it.Last week's Fed meeting provided incremental support for our positive 2026 outlook on equities. The Fed delivered on its expected hawkish rate cut but also indicated it would do more if the labor market continues to soften. More important than the rate cut was the Fed's decision to restart asset purchases. More specifically, the Fed intends to immediately begin buying $40 billion of T-Bills per month to ensure the smooth operation of financial markets. Based on our conversations with investors prior to the announcement, this amount and timing of bill buying exceeded both consensus, and my own expectations. It also confirms a key insight I have been discussing for months and highlighted in our Year Ahead Outlook. First, the Fed is not independent of markets, and market stability often plays a dominant role in Fed policy beyond the stated dual mandate of full employment and price stability.Second, given the size of the debt and deficit, the Fed has an additional responsibility to assist Treasury in funding the government, and will likely continue to work more closely with Treasury in this regard.Finally, the decision to intervene in funding markets sooner and more aggressively than expected may not be ‘Quantitative Easing' as defined by the Fed. However, it is a form of debt monetization that directly helps to reduce the crowding out from the still growing Treasury issuance, especially as Treasury issues more Bills over Bonds.At the Fed's October meeting, it indicated some concern about tightening liquidity which I have discussed on this podcast as the single biggest risk to the bull market in stocks. Evidence of this tightness can be seen in the performance of asset prices most sensitive to liquidity, including crypto currencies and profitless growth stocks.While the Fed probably isn't too concerned about the performance of these asset classes, it does care about financial stability in the bond, credit and funding markets. This is what likely prompted it to restart asset purchases sooner and in a more significant way than most expected.We view this as a form of debt monetization as I mentioned, given the Treasury's objective to issue more bills going forward. More importantly, these purchases provide additional liquidity for markets, and in combination with rate cuts, suggest the Fed is likely less worried about missing its inflation target. This is very much in line with our run it hot thesis dating back to early 2021. As a reminder, accelerating inflation is positive for asset prices as long as it doesn't force the Fed's hand to take the punch bowl away like in 2022. Ironically, the risk in the near-term is that this larger than expected asset purchase program may be insufficient if the Fed has materially underestimated the level of reserves necessary for markets to operate smoothly. This is what happened in 2019 and why the Fed created the Standing Repo Facility in the first place. However, this is more of a tool that is used on an as-needed basis. What the markets may want or need is a larger buffer if the Fed has underestimated the level of reserves required for smoothly functioning financial markets.To be clear, I don't know what that level is, but I do believe markets will tell us if the Fed has done enough with this latest provision. Liquidity-sensitive asset classes and areas of the equity market will be important to watch in this regard, particularly given how weak they traded last Friday and this morning.Bottom line, the Fed has reacted to the markets' tremors over the past few months. Should markets wobble again, we are highly confident the Fed will once again react until things calm down. Last week's FOMC meeting only increases our conviction in that case and keeps us bullish over the next 6-12 months, and our 7800 price target on the S&P 500. We would welcome a correction in the short term as a buying opportunity. Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

The Day the “Emergency Fund” Met Real Life Rachel here. Many tell us the same story: “I saved the emergency fund, but I'm worried I'm losing ground to inflation and missed opportunities.” https://www.youtube.com/live/T7O8abZDKw8 Because for most people, the “emergency fund” is a lonely pile of cash—stuck in a corner doing next to nothing. It feels safe, until inflation and opportunity cost quietly erode it. Today Bruce and I want to reframe that pile into something far better: emergency fund alternatives that give you liquidity and momentum. What You'll Get From This Guide If you've ever wondered how to stay liquid for the unknown without parking money in low-yield accounts, this is for you. We'll show you how to: Design liquidity that protects your family and keeps compounding intact Think “emergency and opportunity,” not either/or Decide how much liquidity you actually need Compare storage options (banks, brokerage, HELOCs, and emergency fund alternatives like cash value life insurance) Understand policy loans, interest, IRR, and why control and flexibility often beat chasing the “best rate” By the end, you'll have a practical blueprint to keep cash ready for life's surprises—without stalling your long-term growth. The Day the “Emergency Fund” Met Real LifeWhat You'll Get From This Guide1) Why Most People Misunderstand “Emergency Funds”Emergency Fund Alternatives vs. Cash-in-the-Bank2) How Much Liquidity Do You Actually Need?Emergency Fund Alternatives for Real Estate Investors3) Liquidity from Cash-Flowing Assets4) Where to Store Liquidity: A Practical Comparison5) Cash Value as an Emergency–Opportunity FundEmergency Fund Alternatives Using Whole Life Insurance6) “But What About Loan Rates vs. Policy IRR?”7) Real Estate, HELOCs, and Policy Loans—How They Compare8) Early-Year Liquidity & Design Reality9) The Two Big Mindset ShiftsEmergency Fund Alternatives That Keep You in Control10) Implementation Steps You Can Start This WeekWhy This MattersListen In and Go DeeperFAQWhat's the best place to keep an emergency fund?Are whole life policies good emergency fund alternatives?How much liquidity should real estate investors keep?Do whole life policy loans hurt compounding?Policy loan rate vs. policy IRR—what matters most?HELOC or whole life policy loan for emergencies?Book A Strategy Call 1) Why Most People Misunderstand “Emergency Funds” Most picture a rainy-day stash: a fixed dollar amount “just in case.” The problem? That mindset narrows your field of vision to only bad events. You end up over-saving in idle cash, under-preparing for real opportunities, and missing compound growth. The better frame is liquidity for emergencies and opportunities—capital that can pivot quickly, without losing momentum. Emergency Fund Alternatives vs. Cash-in-the-Bank Savings accounts provide easy access but pay little, expose you to inflation, and interrupt compounding when you withdraw. Emergency fund alternatives aim to keep liquidity and let your money continue working. 2) How Much Liquidity Do You Actually Need? Rules of thumb (3–6 months) don't account for your real situation: expenses, income volatility, business ownership, real estate cycles, and your emotional comfort. Bruce and I coach clients to answer three questions: Cash flow cushion: If your income paused, how long until you're back on track? Asset mix & access: Where is your capital now, and how liquid is it (including taxes/penalties)? Personal margin: What amount helps you sleep at night without freezing progress? The right number blends math and emotion. Peace of mind matters because you'll only stick with a plan you believe in. Emergency Fund Alternatives for Real Estate Investors Great operators earmark a percent of rents for vacancies, repairs, and cap-ex—plus a broader, flexible reserve. Emergency fund alternatives make that reserve productive while keeping it accessible. 3) Liquidity from Cash-Flowing Assets One overlooked “emergency fund” is consistent cash flow. If assets deposit $5K–$20K/mo. into your checking account regardless of your job, you may need less static cash. Let the monthly stream cover life's bumps—while your capital base keeps compounding. Cash flow accumulates → periodically deploy to premium (more on that next) Short-term bank buffer exists, but money doesn't linger there You stay positioned for both emergencies and deals 4) Where to Store Liquidity: A Practical Comparison VehicleLiquidityGrowth/DragTaxes on AccessProsConsBank savings/HYSAInstantLow; inflation dragNo capital gains on principalSimplicity, FDICOpportunity cost; interrupts compoundingBrokerage (cash/short-term)High–moderateVariesPossible gains taxesOptional yieldMarket risk; sale can trigger taxesHELOCOn-demand (if open)House appreciates regardlessLoan (not income)Flexible; common for investorsBank approval; can be frozenCash Value Whole Life3–5 days via policy loansUninterrupted compoundingLoan (not income)Control, guarantees, death benefitMust qualify; early-year liquidity is lower Bottom line: Banks are fine for swipe-ready cash. But for meaningful reserves, emergency fund alternatives that preserve compounding and add optionality often fit better. 5) Cash Value as an Emergency–Opportunity Fund This is where Infinite Banking principles shine. Premium dollars build cash value (guaranteed growth + potential dividends) and a rising death benefit. When you need liquidity, you borrow against cash value. Your cash value keeps compounding uninterrupted while the insurer's general fund provides the loan. Result: Capital keeps working; you gain flexibility Mindset: Be both the producer and the banker in your life Governance: Treat loans like a bank would—repay with intention to restore capacity Emergency Fund Alternatives Using Whole Life Insurance Liquidity in days (not months) Access via loan documents—not a bank underwriter If you pass away with a loan outstanding, it's simply deducted from the death benefit; your heirs still receive the net 6) “But What About Loan Rates vs. Policy IRR?” Bruce said it well: I care less about a single rate and more about the system—control, flexibility, and volume of interest over time. IRR reflects long-term, policywide performance. Loan rate is what you pay while capital continues compounding inside the policy. Volume matters: The faster you repay, the less interest volume you pay—at the same rate. Meanwhile, rising death benefits and dividends work in your favor. Chasing the perfect spread can stop you from using a system designed to keep your compounding intact and your options open. 7) Real Estate, HELOCs, and Policy Loans—How They Compare A helpful analogy: a policy loan works like a HELOC on your house—the property can keep appreciating whether a lien exists or not. With cash value, your “property” is the policy: growth continues by contract, and you place a lien to access cash. Differences: Access: Policy loans are paperwork-simple; HELOCs require bank re-approval and can be frozen. Speed: Policies often fund in 3–5 business days; HELOC timing varies. Control: With a policy, you set repayment terms; with banks, they do. For investors, combining a small bank buffer, a HELOC, and cash value creates layers of redundancy—plus uninterrupted compounding. 8) Early-Year Liquidity & Design Reality Honest trade-off: in the first year(s), you won't have access to 100% of premium dollars. That early drag buys you guarantees, long-term compounding, and a growing death benefit. Design matters (base + paid-up additions) and expectations matter. Ask: Do I really need every dollar back in 30 days? Most don't. By years 3–4, well-designed policies are commonly close to dollar-for-dollar access on new premium—and rising. 9) The Two Big Mindset Shifts From Emergency to Emergency–OpportunityStop saving only for the worst. Start storing capital that can respond to anything—repairs, vacancies, investments, giving, tuition, tithing, trips. From Saver to BankerDon't just hold capital; govern it. Design rules. Repay loans. Value your capital at least as much as a bank would. This shifts you from scarcity to stewardship. Emergency Fund Alternatives That Keep You in Control The aim isn't a magic product; it's a governed system that preserves compounding, widens options, and serves your family for decades. 10) Implementation Steps You Can Start This Week Clarify your true liquidity need. Calculate 90–180 days of net cash flow needs, not just expenses. Segment reserves: Keep a thin swipe-ready bank buffer; move the rest to emergency fund alternatives (e.g., cash value). Document loan rules: When you borrow, how will you repay? From what cash flow? On what rhythm? Automate funding: Set recurring transfers to build capital consistently. Review quarterly: Check buffer size, upcoming premiums/PUAs, deal pipeline, and family needs. Think generationally: Policies on multiple family members expand access, diversify insurability, and strengthen your long-term plan. Why This Matters Your “emergency fund” shouldn't be a deadweight expense. With emergency fund alternatives, you can keep liquidity, protect your family, and maintain uninterrupted compounding. Cash-flowing assets provide monthly cushion. Cash value provides controlled access, contractual growth, and a rising death benefit. Together, they create a resilient system that handles storms and seizes sunshine. Listen In and Go Deeper Want the full conversation—including examples, loan mechanics, and our candid takes on rates, IRR, and real-world trade-offs? Listen to the podcast episode on Emergency Fund Alternatives to hear how we actually apply this with clients and in our own families.

Criterion breaks down year-end acquisition numbers, highlights stock-market bubble indicators, and lays out a practical commercial real estate strategy to survive a potential 2026–2027 correction. Time Stamps: 0:00 – Introduction 1:30 – Year-end update: $72M acquired + $21M equity raised 2:35 – Growth story: 2019 first deal to “20X” scale + investor base expansion 4:27 – Why talk about a potential 2026–2027 market correction 6:12 – Index run-up: S&P / Dow / NASDAQ context and “bubble” risk framing 8:47 – Valuation red flags: S&P PE ratios vs. 1929 / 2001 comps 9:47 – Buffett Indicator explained (market cap vs. GDP) 10:55 – “Magnificent 7” concentration + elevated PE multiples 12:40 – Awareness over prediction: risk management mindset 13:08 – Macro pressure: national debt + interest cost discussion 15:19 – If stocks crash: what happens to real estate values + inflation response 16:39 – CRE in a downturn: tenant risk, vacancy, and cash reserves 17:25 – Rates drop = refinance opportunity; CRE vs. stocks volatility 18:42 – Why higher-cap buys help: breathing room on cash flow 19:14 – Crash playbook: buy discounted assets, avoid forced sales, keep operating 19:47 – “Don't wait for perfect”: buy through every season Visit TheCriterionFund.com for more information commercialrealestate #commercialrealestateinvesting #cre #realestateinvesting #investing #passiveincome #wealthbuilding #financialfreedom #realestatepodcast #investoreducation #stripcenters #retailrealestate #neighborhoodcenters #caprate #cashoncash #dealmaking #capitalraising #privateequityrealestate #marketcycle #recessionproof #riskmanagement #economicoutlook #interestrates #refinance #valueadd #assetmanagement #tenantmix #vacancy #portfolio #multifamilyinvesting stockmarket #sp500 #nasdaq #dowjones #buffettindicator #priceratios #peratio #magnificentseven #marketcorrection #marketcrash #macro #inflation #deficit #nationaldebt #economy #investingtips #wealthstrategy #longterminvesting #buythedip

Crypto News: The Federal Reserve cuts rates by 25 bps and will start money printing, they will begin purchasing US Treasury Bills on December 12th and will buy $40 billion of US Treasury bills in 30 days. Brought to you by

For episode 652 of the BlockHash Podcast, host Brandon Zemp is joined by Justin Havins, the DeFi Ecosystem Lead for Katana Network.Katana puts users first: delivering higher real yields through concentrated liquidity, redistributed chain revenue, and productive bridged assets.

Andy and Preston explore the turbulent world of Bitcoin treasury companies, from MicroStrategy's bold plays to sector-wide risks and poor performance. They dive into Bitcoin-backed stablecoins, valuation models, and adoption barriers. The episode wraps with discussions on energy, AI, and whether Bitcoin's market cycles are evolving toward stability or fresh volatility. IN THIS EPISODE YOU'LL LEARN: 00:00:00 - Intro 00:01:43 - Why many Bitcoin treasury companies have underperformed or failed 00:03:34 - How MicroStrategy's debt profile compares to its market cap and cash flow 00:06:59 - The concept of Bitcoin-backed stablecoins and their over-collateralization 00:08:58 - Key solvency risks in stablecoin issuance and Bitcoin securitization 00:14:46 - How valuation frameworks like MNAV apply to Bitcoin treasuries 00:19:26 - Limitations of MicroStrategy stock vs. holding Bitcoin directly 00:26:09 - Why Bitcoin adoption is hindered by complexity and public perception 00:29:18 - Andy's diversified investment strategy beyond Bitcoin 00:32:45 - How emerging AI and EV technologies intersect with financial trends 00:42:39 - Market cycle insights and predictions for Bitcoin's future price Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences.  BOOKS AND RESOURCES Andy Edstrom's Book: Why Buy Bitcoin: Investing Today in the Money of Tomorrow. X Account: Andy Edstrom. Check out all the books mentioned and discussed in our podcast episodes ⁠⁠⁠⁠here⁠⁠⁠. Enjoy ad-free episodes when you subscribe to our ⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠. NEW TO THE SHOW? Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bitcoin Fundamentals Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes (complete with transcripts) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance Tool⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORSSupport our free podcast by supporting our sponsors: Simple Mining Human Rights Foundation Unchained HardBlock Linkedin Talent Solutions Public.com - see the full disclaimer here. Amazon Ads Alexa+ Shopify Vanta Onramp Abundant Mines Horizon Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm