Podcasts about recency

Why do so many retirees struggle to spend money they've spent decades saving? Don and Tom explore the psychology behind retirement spending, including the fear of running out of money, the reluctance to touch principal, and how guaranteed income sources like Social Security, pensions, and even simple immediate annuities can make retirees more comfortable enjoying their wealth. They discuss practical strategies for creating spending confidence, the importance of comprehensive retirement planning, and why delaying meaningful experiences can be riskier than spending. The episode also answers a listener question about setting up a Roth IRA for a teenager and examines the latest uncertainty surrounding 529-to-Roth transfers.0:05 Introduction: Why retirees struggle to spend money they can afford to spend1:36 Fear of running out versus fear of missing out in retirement2:52 Why even millionaires worry about spending their savings3:51 The saver mentality and the challenge of switching to spending mode4:47 Research shows many retirees barely touch their nest eggs5:29 YOLO, aging, and the reality of declining mobility later in life6:02 Why retirees prefer spending Social Security, dividends, and interest over principal8:04 Travel, aging, and the danger of postponing experiences8:49 Creating confidence through retirement planning9:56 Using Social Security and RMDs to cover essential expenses10:12 Flexible withdrawal strategies for retirement spending11:39 Could a simple immediate annuity help retirees spend more confidently?12:42 Healthcare costs, aging, and changing spending patterns13:30 Recency bias and how it distorts retirement decisions14:48 Why lifelong savers have trouble becoming spenders16:27 Summer slowdown and a request for more listener questions17:58 Listener question: Setting up a Roth IRA for a 19-year-old daughter19:16 Evaluating Avantis ETFs and M1 Finance for a young investor19:48 Why a single-fund solution may be better for small accounts20:56 The importance of emerging markets exposure22:40 Understanding 529-to-Roth IRA transfer rules24:33 The unanswered question of beneficiary changes and the 15-year ruleQuestions? Comments? Click!

Ben Carlson is one of the most respected voices in personal finance and investing. He is the author of Risk and Reward, Director of Institutional Asset Management at Ritholtz Wealth Management, and creator of the widely acclaimed blog A Wealth of Common Sense. In this episode, we discuss risk, returns, inflation, bonds, stocks, and investor psychology. We explore why risk is the unavoidable price investors must pay to achieve higher returns, how to live with market uncertainty, and what it truly means to invest with a long-term perspective. We talk about the famous “Bob, the world's worst market timer”, the importance of staying committed to your investment plan even when the urge to act is strongest, and how to build a portfolio capable of withstanding the changes and crises of the coming decades. We also discuss AI, markets at all-time highs, elevated valuations, and the challenges investors face in an environment that is becoming increasingly fast-paced, complex, and noisy. This episode is packed with practical insights, timeless reflections, and lessons in common sense from one of the world's most respected financial educators.

Subscribe to DTC Newsletter - https://dtcnews.link/signupThe consideration phase is collapsing thanks to LLM shopping.Awareness still happens on Meta. Conversion still happens on a PDP. But the comparison and research middle, the part brands have spent a decade optimizing, is increasingly happening inside an LLM the customer already trusts.20% of holiday shoppers used an LLM in their purchase path last Q4. Google I/O just demoed one-tap concert tickets from a photo. Amazon folded Rufus into Alexa for Shopping. The behavior is moving fast enough that operators need to start preparing for Q4 now.Eric sits down with Aves and Daniel from Pilothouse to unpack what's actually happening and the work brands can start this quarter.Inside the episode:Why customers trust their LLM more than your adDaniel on why he stopped going to Amazon to compare vitaminsThe persona mismatch that hurts brands more than it used toWhy reviews and earned media matter more than your landing pageWhat changes for abandon cart and retargetingTwo operator-tested audits to see if your brand shows up in ChatGPT, Claude, and GeminiFor founders and operators who want to be recommended when the customer asks.What to Steal:Three things you can do this week.Run the prompt audit. Take your top five Google queries, run them through ChatGPT, Claude, and Gemini. Track who gets recommended, who gets cited, and whether you show up at all. Daniel uses this as his baseline before any other AI-visibility work.Pick one brand truth and repeat it everywhere. Scattershot positioning loses to consistent positioning. If every ad pitches a different angle to a different persona, an LLM has nothing coherent to summarize about you.Add dates to your blog posts and PR pages. Recency factors into LLM citation. Old content gets de-prioritized even when it's accurate.Subscribe to DTC Newsletter - https://dtcnews.link/signupAdvertise on DTC - https://dtcnews.link/advertiseWork with Pilothouse - https://www.pilothouse.co/?utm_source=AKNF615Follow us on Instagram & Twitter - @dtcnewsletterWatch this interview on YouTube - https://dtcnews.link/video

"Recency bias" is something we can all fall victim to - putting disproportionate weight on the latest part of a picture or experience and not factoring in the whole account. Psalm 77 makes plain that this trap can ensnare us in our spiritual lives also, and when it does we must look at the larger redemptive actions of God throughout Scripture and history and be reminded once again He never leaves us or forsakes us.

16.Recency-Bias#stocks #stockmarket #investing #AIstocks #AIinvestingApply for the free daily newsletter: https//:complyhawk.ai/hedgealpha

Most arts organizations can tell you their revenue targets. Fewer can clearly identify the relationships that will deliver them. As financial pressure continues across the sector, many organizations focus on short-term income. But as this episode explores, revenue doesn't happen in isolation. It's built through strengthening audience relationships over time. This conversation introduces TRG's core relationship framework: Tryers, Buyers, and Advocates. It explores how organizations can better understand the behaviors already inside their CRM systems and use those insights to build stronger loyalty and more sustainable revenue. The TRG team also introduces four strategic focus areas that shape the season ahead: Recency, Demand, People, and Discipline — practical ways organizations can strengthen audience engagement and improve long-term financial stability. At the center of the conversation is a simple idea: organizations that focus intentionally on relationships are better positioned to navigate uncertainty, grow loyalty, and build sustainable revenue. Key Takeaways to Put Into Action: Revenue is built through relationships: Tickets, donations, memberships and subscriptions are outcomes of audience behavior over time. Your future revenue is rooted in past behavior: The people most likely to return may already be in your database. Not all relationships need the same approach: Tryers, Buyers, and Advocates each require different strategies and levels of investment. Frequency starts with recency: The sooner audiences re-engage, the more sustainable loyalty becomes. People-based planning creates clarity: Understanding audience behavior helps organizations forecast more accurately and prioritize resources more effectively. Discipline drives results: Sustainable growth requires consistent focus, accountability, and action. 

Why do organisations consistently fail in recruiting despite significant investment? In this episode, Niels Brabandt explains why recruiters are one of the most critical yet underestimated success factors in modern organisations. Drawing on the primacy-recency effect, this episode demonstrates how first and last impressions determine candidate decisions and why poor recruiter performance leads directly to talent loss. Key insights include: The strategic role of recruiters in organisational success Why candidate experience determines hiring outcomes Common leadership failures in recruiting How qualification, motivation, and process design interact Practical approaches to improving recruiting performance Host: Niels Brabandt / NB@NB-Networks.com Contact Niels Brabandt: https://www.linkedin.com/in/nielsbrabandt/ Niels Brabandt's Leadership Letter: https://expert.nb-networks.com/ Niels Brabandt's Website: https://www.nb-networks.biz/ 

Slutsatser dras efter 180 minuter Allsvenska och det är plus på kontot för AIK och KDFF – medan frågetecken i olika nyanser ställs till Djurgården och Rosengård. Bör Malmö verkligen fortsätta utan Mia Persson? Och vad känner vi kring en Europa Cup-final på Hisingen!?!Medverkande:Robin Bylund & Marcus ThapperViva Femme görs i samarbete med ATG:Du hittar alltid dom senaste tripplarna, andelarna, Big 9 och annat från oss på https://www.atg.se/tutto/18+ Regler & villkor gäller. Stödlinjen.seKontakta redaktionen: linus@k26media.seVill ditt företag samarbeta med Viva Femme? freddie@k26media.seSociala Medier:Instagram - TuttofemmeTwitter - FemmevivaTikTok - Femmeviva#vivafemme Hosted on Acast. See acast.com/privacy for more information.

Charlotte Greenway bringing you the podcast on Good Friday and joined by RTÉ‘s Jane Mangan. They look ahead to the action this weekend with particular focus on Fairyhouse's Easter Festival for which the highlight will be Monday's Boyle Sports Irish Grand National. Sean Graham, racing manager to Tony Bloom and Ian McAleavy, is along to discuss next steps for those in their burgeoning ownership empire including Energumene who runs Monday and two fillies that could play a big role in the Classics this flat season Venetian Sun and My Ophelia. Finally, Simon Marsh debriefs us on his recent trip to the Inglis Easter yearling sale where Watership Down purchased a AU$2.2 million Too Darn Hot colt.

Charlotte Greenway bringing you the podcast on Good Friday and joined by RTÉ‘s Jane Mangan. They look ahead to the action this weekend with particular focus on Fairyhouse's Easter Festival for which the highlight will be Monday's Boyle Sports Irish Grand National. Sean Graham, racing manager to Tony Bloom and Ian McAleavy, is along to discuss next steps for those in their burgeoning ownership empire including Energumene who runs Monday and two fillies that could play a big role in the Classics this flat season Venetian Sun and My Ophelia. Finally, Simon Marsh debriefs us on his recent trip to the Inglis Easter yearling sale where Watership Down purchased a AU$2.2 million Too Darn Hot colt.

00:00 - Sat Sri Akaal Babbu00:43 - Dr and Babbu have met before?!02:35 - The Jus Reign/Jasmeet era06:12 - How did Babbu and Jasmeet meet?08:30 - Team roles: Were skits planned and scripted?11:44 - Babbu's career background13:00 - Nach Billo & Geeta Brothers ft. Mickey Singh16:22 - Going on tour as the Geeta Brothers18:41 - Animosity with other Punjabi Canadian content creators?21:42 - How did Jasmeet stopping his channel affect Babbu?24:11 - How did Babbu come up with Rajan and Bibi?25:53 - Making the Rajan and Bibi puppets and time commitment30:33.- The message of Rajan and Bibi33:29 - Misunderstood Rajan & salty Bibi34:55 - Is Rajan a reflection of today's entitled kids?35:53 - Today's kids speaking Punjabi37:18 - Content bridging the gap between English and Punjabi40:13 - "Pinglish", Babbu's artistic drawings and Committee clothing44:14 - Late Bloomer Series: Horse Poem & The toilet scene46:15 - Shooting scenes with Jasmeet50:26 - Gaddi Red Challenger & J Statik: the pivot moment57:07 - Babbu's album: Smile With Me58:21 - Was Red Challenger a hard act to follow?01:00:37 - Where did the skit in the album come from?01:01:22 - What led Babbu to do more serious music?01:05:00 - Does Babbu face any criticism for his comedic take on music?01:07:26 - The Mamdani's inauguration backlash01:11:00 - Recency bias skewing the perception of comedy01:13:15 - Does Babbu's Sikh appearance give him a responsibility to behave a certain way?01:14:59 - Do Sikh/Punjabi people expect Babbu to have opinions on Sikh/Punjabi issues?01:16:57 - Does Babbu receive pressure to speak on Sikh issues?01:18:45 - Being criticised for swearing?01:22:35 - Jagmeet and Gurattan Singh and the Canadian politics scene01:24:35 - Review of Babbu's Smile With Me album01:26:12 - How does Babbu curate songs?01:29:18 - Babbu using music as an expressive creative journey 01:30:02 - Babbu's Yin: The Wounded Bird01:34:07 - Being a 'work in progress' as a man 01:36:32 - Babbu ranking his memesCheck Out Babbu's New Album On Spotify: https://open.spotify.com/album/2ArvG5SrYufcz7wMKKFSSRFollow Babbu on Instagram: https://www.instagram.com/babbulicious/Follow Us On:Tik Tok - https://bit.ly/indy-and-dr-tik-tokInstagram - http://bit.ly/indy-and-dr-instaFacebook - http://bit.ly/indy-and-dr-facebookSpotify - http://bit.ly/indy-and-drAlso available at all podcasting outlets.#babbulicious #babbu #jusreign #latebloomer

Jannik Sinner and Aryna Sabalenka win the Sunshine Double, a feat harder than winning a Grand Slam title!Recency bias would have us believe Sinner is now the front-runner for the Year End No.1 battle. Not so fast: Alcaraz is still the champion of three of the last four majors, and clay is his best surface (maybe?)Sabalenka on the other hand, is the dominant factor in the WTA Tour. Rybakina has come close to three big final wins in a row, with a match point at Indian Wells, but Sabalenka took that win, and saw her off in straight sets in Miami. If the current World No.1 continues to win as consistently as she does, it will be hard for Rybakina, or anyone, to dethrone her - but it might get really interesting soon.Other players left their marks, either in a good or bad way: Fonseca, Zverev, Swiatek, Eala are all interesting players to follow during the clay court swing. And, of course, what will Novak Djokovic produce, now at almost 39 years old? Seems like we can't ever count him out - he was the World No.3 until recently, after all.SUBSCRIBE to the YouTube channel!Follow TENNIS AND BAGELS!Twitter/X: https://x.com/TennisAndBAGELSAndre:Twitter/X - https://x.com/RolembergAndreBlueSky Social: https://bsky.app/profile/andrerolemberg.bsky.socialVansh: https://x.com/vanshv2kOwen (BlueSky Social): https://bsky.app/profile/owensports.bsky.socialFavourite this podcast if you like our work :)SUBSCRIBE to the YouTube channel!Follow TENNIS AND BAGELS!Twitter/X: https://x.com/TennisAndBAGELSAndre:Twitter/X - https://x.com/RolembergAndreBlueSky Social: https://bsky.app/profile/andrerolemberg.bsky.socialVansh: https://x.com/vanshv2kOwen (BlueSky Social): https://bsky.app/profile/owensports.bsky.socialSupport this show http://supporter.acast.com/tennis-and-bagels. Hosted on Acast. See acast.com/privacy for more information.

Jannik Sinner and Aryna Sabalenka win the Sunshine Double, a feat harder than winning a Grand Slam title!Recency bias would have us believe Sinner is now the front-runner for the Year End No.1 battle. Not so fast: Alcaraz is still the champion of three of the last four majors, and clay is his best surface (maybe?)Sabalenka on the other hand, is the dominant factor in the WTA Tour. Rybakina has come close to three big final wins in a row, with a match point at Indian Wells, but Sabalenka took that win, and saw her off in straight sets in Miami. If the current World No.1 continues to win as consistently as she does, it will be hard for Rybakina, or anyone, to dethrone her - but it might get really interesting soon.Other players left their marks, either in a good or bad way: Fonseca, Zverev, Swiatek, Eala are all interesting players to follow during the clay court swing. And, of course, what will Novak Djokovic produce, now at almost 39 years old? Seems like we can't ever count him out - he was the World No.3 until recently, after all.SUBSCRIBE to the YouTube channel!Follow TENNIS AND BAGELS!Twitter/X: https://x.com/TennisAndBAGELSAndre:Twitter/X - https://x.com/RolembergAndreBlueSky Social: https://bsky.app/profile/andrerolemberg.bsky.socialVansh: https://x.com/vanshv2kOwen (BlueSky Social): https://bsky.app/profile/owensports.bsky.socialFavourite this podcast if you like our work :)SUBSCRIBE to the YouTube channel!Follow TENNIS AND BAGELS!Twitter/X: https://x.com/TennisAndBAGELSAndre:Twitter/X - https://x.com/RolembergAndreBlueSky Social: https://bsky.app/profile/andrerolemberg.bsky.socialVansh: https://x.com/vanshv2kOwen (BlueSky Social): https://bsky.app/profile/owensports.bsky.socialSupport this show http://supporter.acast.com/tennis-and-bagels. Hosted on Acast. See acast.com/privacy for more information.

This week:   Recency & Decay In Desistance; Investigators' Psychological Health; Polygraphs & False Confessions;   Join the free Police Science Dr email list to have these emailed to you every Tuesday. You'll also get access to the password-protected 'Read' page which houses all video transcripts and all Police Science Snippets www.PoliceSienceDr.com

16.Recency-Bias#stocks #stockmarket #nvesting #AIstocks #AIinvestingApply for our AI Investing system for passive income:https/:/bit.ly/HedgeAlpha-Spot20% compounded annual returns via Options Tradingand hedge fund level learning journey.

16.Recency-ias#stocks #tockmarket #investing #AIstocks #AIinvestingApply for our AI Investing system for passive income:https://bitly/HedgeAlpha-Spot20% compounded annual returns via Options Tradingand hedge fund level learning journey..

Questions? Comments?A debate over jelly bean flavors quickly pivots into a takedown of a flashy Inc. Magazine article claiming people shouldn't save for retirement. Don and Tom dissect the “cash-flow over investing” pitch from entrepreneur Joseph Drups, exposing the realities of running small businesses, the risks behind claims of passive income, and the likelihood that the real money comes from selling the system rather than executing it. The conversation then turns to listener questions, including the differences between Avantis ETFs AVGE and AVTM and a thoughtful inquiry about whether factor investing from firms like Avantis and Dimensional justifies higher fees compared with traditional cap-weighted index funds.0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean1:58 Inc. article claims you shouldn't save for retirement2:45 Entrepreneur Joseph Drups' “cash-flow over investing” strategy4:08 The myth of passive income from small businesses5:46 Valuing a business vs. claiming low net worth7:17 Reality check: most small businesses fail10:06 Drups Ventures model and e-commerce brand acquisitions11:10 The $100/month “Fast FI Club” and selling the system13:55 Entrepreneurship vs. unrealistic promises of passive income15:28 Impatience and the risks of chasing quick financial independence16:44 Listener question: Avantis AVTM vs. AVGE19:11 What actually defines a “true” index fund23:06 Bogleheads critique of smart beta and factor strategies24:08 Evidence for small-cap and value premiums since 192627:18 Fees vs. expected factor premiums28:00 Recency bias and long periods when factors underperform30:53 Raisin Bran bag conspiracy theory and aging complaintsLearn more about your ad choices. Visit megaphone.fm/adchoices

A debate over jelly bean flavors quickly pivots into a takedown of a flashy Inc. Magazine article claiming people shouldn't save for retirement. Don and Tom dissect the “cash-flow over investing” pitch from entrepreneur Joseph Drups, exposing the realities of running small businesses, the risks behind claims of passive income, and the likelihood that the real money comes from selling the system rather than executing it. The conversation then turns to listener questions, including the differences between Avantis ETFs AVGE and AVTM and a thoughtful inquiry about whether factor investing from firms like Avantis and Dimensional justifies higher fees compared with traditional cap-weighted index funds. 0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean 1:58 Inc. article claims you shouldn't save for retirement 2:45 Entrepreneur Joseph Drups' “cash-flow over investing” strategy 4:08 The myth of passive income from small businesses 5:46 Valuing a business vs. claiming low net worth 7:17 Reality check: most small businesses fail 10:06 Drups Ventures model and e-commerce brand acquisitions 11:10 The $100/month “Fast FI Club” and selling the system 13:55 Entrepreneurship vs. unrealistic promises of passive income 15:28 Impatience and the risks of chasing quick financial independence 16:44 Listener question: Avantis AVTM vs. AVGE 19:11 What actually defines a “true” index fund 23:06 Bogleheads critique of smart beta and factor strategies 24:08 Evidence for small-cap and value premiums since 1926 27:18 Fees vs. expected factor premiums 28:00 Recency bias and long periods when factors underperform 30:53 Raisin Bran bag conspiracy theory and aging complaints Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people assume the future will look like the recent past. That's called recency bias, and it can quietly wreck a retirement plan. If the market has been strong for years, investors start believing those returns will continue forever. If the market crashes, people assume things will only get worse. But retirement planning isn't about the last five years. It's about the next thirty. In this episode, I explain how recency bias influences investment decisions, why it can lead retirees to take the wrong risks at the wrong time, and how to build a retirement plan that works even when the future looks very different from the past. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

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If you think eCPM is the most important metric in ad monetization, this episode is for you.Felix breaks down:• eCPM vs Fill Rate• Why Ad ARPDAU is king• Recency model & impression decay• Why more ads can hurt revenue• SDK crash risks & ANR thresholds• Aggressive end cards & churn• How mediation doubles revenue• Networks vs exchanges explainedThis is a practical introduction to how mobile ads actually work once the SDK is live.Key takeaway:Ad monetization is not about showing more ads. It's about optimizing per user.The biggest misconception in mobile ad monetization is obsessing over eCPM. eCPM alone is meaningless. Revenue comes from eCPM × fill rate, and the only metric that truly matters is Ad ARPDAU. That's your real performance line of sight. If eCPM goes up but fill drops, you can still lose money. Networks respect publishers who talk about Ad ARPDAU because it shows you understand the business, not just vanity metrics.eCPMs are not fixed. They are dynamic and driven by complex algorithms. Networks use dozens of parameters including device type, geo, historical installs, auction loss rate, and most importantly recency models. The first few impressions per user are the most valuable. After 5–7 impressions, the per-unit value drops sharply. If you keep pushing more interstitials, you may increase impressions per DAU but flatten total revenue while damaging retention. More ads ≠ more money.Operational discipline separates professionals from amateurs. Never rush SDK updates. Android ANRs and crash thresholds can destroy organic distribution. Aggressive end cards increase churn. Mediation doubles revenue when implemented correctly because it creates a marketplace instead of a single buyer. And exchanges are not networks — they are resellers. Understanding these mechanics is the difference between earning $100 a day and scaling to $1,200+ before expanding demand sources.---------------------------------------This is no BS gaming podcast 2.5 gamers session. Sharing actionable insights, dropping knowledge from our day-to-day User Acquisition, Game Design, and Ad monetization jobs. We are definitely not discussing the latest industry news, but having so much fun! Let's not forget this is a 4 a.m. conference discussion vibe, so let's not take it too seriously.Panelists: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jakub Remia⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠r,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Felix Braberg, Matej Lancaric⁠Podcast: Join our slack channel here: https://join.slack.com/t/two-and-half-gamers/shared_invite/zt-2um8eguhf-c~H9idcxM271mnPzdWbipgChapters00:00 – Why Most Studios Misunderstand Ads01:20 – The 4 Metrics That Actually Matter03:30 – Why eCPM Is Overrated05:10 – Ad ARPDAU: The Only Metric That Counts07:00 – How Networks Calculate eCPM09:20 – Recency Model & Impression Decay11:40 – Why More Ads Don't Always Mean More Revenue13:00 – SDK Risks, ANRs & Crash Thresholds15:10 – Aggressive End Cards & Churn17:10 – Mediation Explained (Why It Doubles Revenue)---------------------------------------Matej LancaricUser Acquisition & Creatives Consultant⁠https://lancaric.meFelix BrabergAd monetization consultant⁠https://www.felixbraberg.comJakub RemiarGame design consultant⁠https://www.linkedin.com/in/jakubremiar---------------------------------------Please share the podcast with your industry friends, dogs & cats. Especially cats! They love it!Hit the Subscribe button on YouTube, Spotify, and Apple!Please share feedback and comments - matej@lancaric.me---------------------------------------If you are interested in getting UA tips every week on Monday, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠lancaric.substack.com⁠⁠⁠⁠⁠⁠ & sign up for the Brutally Honest newsletter by Matej LancaricDo you have UA questions nobody can answer? Ask ⁠⁠⁠⁠⁠⁠⁠⁠Matej AI⁠⁠⁠⁠⁠⁠ - the First UA AI in the gaming industry! https://lancaric.me/matej-ai

I watched Home Alone and suddenly started hearing the theme tune everywhere.  I thought I was going insane.  But Tom Bowden-Green and Luan Wise explained that I actually fell for a fairly well-known bias.  A bias you've almost certainly experienced as well.  ---  Come to Uplift Live: https://uplift-live.com/ (Use code NUDGE to get £50 off)  Tom and Luan's book: https://amzn.to/49aZnh3 Unlock the Nudge Vaults: https://www.nudgepodcast.com/vaults Join 10,428 readers of my newsletter: https://www.nudgepodcast.com/mailing-list  Connect on LinkedIn: https://www.linkedin.com/in/phill-agnew/  ---  Today's sources:  Costello, J. P., Garvey, A. M., Germann, F., & Wilkie, J. E. B. (2024). The Uptrend Effect: Encouraging healthy behaviors through greater inferred normativity. Journal of Marketing Research, 61(1), 110–127. Cruz, R. E., Leonhardt, J. M., & Pezzuti, T. (2017). Second person pronouns enhance consumer involvement and brand attitude. Journal of Interactive Marketing, 39(1), 104–116. Khan, U., & Dhar, R. (2006). Licensing effect in consumer choice. Journal of Marketing Research, 43(2), 259–266. Lim, S., van Osselaer, S. M., Goodman, J. K., Fuchs, C., & Schreier, M. (2024). The Starbucks effect: When name-based order identification increases customers' store preference and service satisfaction. Journal of Retailing, 100(2), 316–329. Sahni, N. S., Wheeler, S. C., & Chintagunta, P. (2018). Personalization in email marketing: The role of noninformative advertising content. Marketing Science, 37(2), 236–258. Van Boven, L., Dunning, D., & Loewenstein, G. (2000). Egocentric empathy gaps between owners and buyers: Misperceptions of the endowment effect. Journal of Personality and Social Psychology, 79(1), 66–76. van der Meulen, M. (2022). Are we indeed so illuded? Recency and frequency illusions in Dutch prescriptivism. Languages, 7(1), 42. Zwicky, A. (2006). Why are we so illuded. Retrieved from https://web.stanford.edu/~zwicky/LSA07illude.abst.pdf

George Noble, CIO of Noble Capital Advisors, lays out his big theme for 2026: rotation. George argues that the debasement trade is the dominant macro narrative, with the bill coming due for decades of reckless fiscal and monetary policy. He calls the 60/40 portfolio dead, urging investors to dump bonds and buy gold, noting that gold miners could double in 12 months if prices hold. He makes the case that the AI trade is over. Noble sees energy as one of the most compelling opportunities. He expects emerging markets and foreign equities to continue outperforming the US, small caps to beat large caps, and the equal-weight S&P to trounce the cap-weighted index. His bottom line for investors: get out of bonds, buy gold, add energy, put money abroad, and switch from cap-weighted to equal-weight.Links: George Noble's Independent Research Conference: https://noble-capevents.com/X: https://x.com/gnoble79Timestamps: 0:00 Welcome and intro to George Noble 1:17 The debasement trade: The big macro picture 3:42 The bill is coming due for decades of reckless policy 5:10 The US government's math doesn't work — bond yields way too low6:55 2026 theme: Rotation — don't worship the altar of price 7:06 The macro backdrop and where to be allocated 7:33 US exceptionalism is fading — fiscal pulse now in Europe 8:45 China outperforming the US — and it's going to continue 9:48 Rotation out of US dollar-based assets 11:27 Long bond headed north of 5%? Implications for housing 13:27 Credit spreads tight, inflationary boom possible 14:50 The bond market measured in gold — it's crashing 16:26 The 60/40 portfolio is dead 16:55 Inflation: People don't live on rate of change, they live on prices18:55 The K-shaped economy and rising prices everywhere 20:41 Gold update: You cannot be bullish enough 22:30 The song remains the same — macro drivers still in play 24:04 Gold miners could double in 12 months 25:21 Don't get caught up in short-term thinking 26:45 The Dunning-Kruger Institute of Finance 28:48 The death of speculation 29:26 Is it a stock picker's market again? 30:30 The Japan analogy: MAG 7 is today's Japan 1989 32:16 Just avoid MAG 7 and you'll outperform 33:23 Recency bias and why consensus is stuck 34:42 George is not bearish — he's rotating 35:12 Energy: Only 3% of the S&P — massively out of favor 37:46 Oil prices and the case for energy equities 39:14 Venezuela is a nothing burger — fade the hot takes 40:41 AI trade is a short: Nvidia, Tesla, software 43:05 SaaSmageddon and ServiceNow at 73x earnings 45:51 Rotation: The theme in one word 46:11 What should the average investor do? 48:36 The playbook: Equal weight, gold, energy, foreign markets, no bonds49:19 March 11th conference53:00 Closing

Alex Gurevich, founder and Chief Investment Officer of HonTe Investments, a Bay Area-based investment management firm, and the author of The Next Perfect Trade and Wall Street Journal bestseller The Trades of March 2020, returns to The Julia La Roche Show. In this episode, Gurevich discuss his updated thesis on interest rates, deflation, and the forces shaping markets. He argues that zero interest rates are "not off the table" — and that the probability is far higher than the market is pricing. He sees labor market deterioration happening quietly under the surface, warning that "the less visible it is, the worse it's probably going to be" because policymakers won't act until it's too late. Unlike the consensus worried about inflation, Alex is firmly in the deflation camp, though he notes any deflation can be countered by fiscal stimulus — he just doesn't think the government will act aggressively enough given how burned they were by the post-COVID inflation. He also discusses his newly released second edition of "The Next Perfect Trade," explaining why he kept the original text intact to maintain intellectual honesty about what worked and what didn't over the past decade. He declares the 40-year bond bull market "definitively over," shares his framework on carry as an underappreciated edge, and offers a fascinating take on AI's future energy demands potentially exceeding the output of the sun.Links: Book: https://www.amazon.com/Next-Perfect-Trade-Magic-Necessity/dp/1544550014/X: https://x.com/agurevich23Website: https://honteinv.com/0:00 Welcome and congratulations on the second edition1:19 The Next Perfect Trade — second edition out now 2:01 Setting the table: The macro view today 3:30 All the fireworks have been in precious metals 4:08 Interest rates are "pinned in confusion" 4:45 Alex's view: Leaning toward zero rates 5:40 Labor market deterioration — the less visible, the worse it will be7:20 The behavior of rates during Fed cutting cycles 8:58 What zero rates would mean for the economy 9:36 The relationship between stocks, jobs, rates, and growth is broken 11:30 Could we have strong growth and weak jobs simultaneously? 13:13 Deflation, not inflation 14:10 The pendulum: Deflation, then too much stimulus, then inflation again15:25 Recency bias from COVID stimulus keeping government cautious16:02 Precious metals: What does the move signal? 18:41 Why the second edition? Intellectual honesty 20:29 Admitting mistakes: "It was arrogant of me" 23:12 Growth as a trader — recognizing your weaknesses 24:08 The one chart to rule them all — is the 40-year bond bull market over? 25:41 Bull markets break up before they break down 27:19 The 2020 bond breakout should have been a warning29:47 The underappreciated power of carry 32:04 Be the casino, not the gambler 33:30 The corporate borrowing rate indicator 36:27 Why the indicator broke down in 2021-23 38:26 Has the macro investing world changed? 39:52 The most underappreciated force in macro right now42:46 AI's energy demand will overwhelm all sources — even fusion45:18 Is energy the trade? 46:55 The perfect trade: Japan is getting interesting 48:40 Where to find Alex and parting thoughts

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Is the market about to crash like 2008… or is that just fear doing what fear always does?That's exactly what this video digs into. No panic. No doom scrolling. No guessing tops or bottoms. Just a grounded look at how markets actually behave when things feel unstable, and how you can stop getting whipped around by headlines, hot takes, and “buy the dip” noise.Here's the big idea. The market will always tell you the direction it's moving in. What it will never tell you is how far or how long. That's where most people get wrecked. They want certainty. They want predictions. And when they don't get them, they listen to whoever sounds the most confident.This video breaks that cycle.You'll see how a simple trend-following framework using the 10, 20, and 50 EMAs has shown the warning signs before some of the biggest market crashes in history, including 1929, 1972, 2000, and 2022. Same setup. Same signals. Very different outcomes. That's not a flaw. That's how markets work.We walk through real examples using Tesla, SoFi, and the broader market to show why buying stocks that are crashing down is so dangerous, and why buying stocks that are crashing up flips the odds back in your favor. Direction matters more than stories. Always has.In the middle of all that, there's a hard truth most people don't like hearing. Losses are unavoidable. Small losses are normal. Skipping the next trade because the last one didn't work is how people miss the move that actually pays for everything.Here are a few things this video will help lock in:✅ Why markets fall longer than most people expect✅ How the 10, 20, and 50 EMA alignment filters chaos✅ The difference between buying the dip and buying the rip✅ How trend signals showed up before major crashes✅ Why following a plan beats being “right”There's also a heavy dose of trading psychology in here. Ego. Recency bias. The need to be correct instead of consistent. Listening to loud voices instead of price. If you've ever held something just because it “had to go back up,” this will hit close to home.Later in the video, you'll see how this approach is applied in real time using a defined trading plan, order blocks, intraday confirmations, and actual trades from the US Investing Championship account. Wins, losses, rolls, exits. Nothing hidden. Nothing sugarcoated.This isn't about calling the next crash. It's about knowing when not to care if one happens. When you have a plan, volatility stops being scary and starts becoming information.If you want a calmer, more disciplined way to approach markets without chasing hype or panic, this one's worth your time. Stick around, subscribe for more breakdowns, and keep building smarter habits with OVTLYR-style trading instead of emotional reactions.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Cover 2 with Blaine and Zach - Hour 2 - Mike McDaniel Interviews with Titans + How can Recency Bias play into HC HireSee omnystudio.com/listener for privacy information.

Cover 2 with Blaine and Zach - Hour 2 - Mike McDaniel Interviews with Titans + How can Recency Bias play into HC HireSee omnystudio.com/listener for privacy information.

In Hour 1, Willard and Dibs wonder if recency bias is impacting the way we're all talking about 49ers vs. Eagles, chat with Greg Cosell of NFL Films to break down the matchup, and more.

Willard and Dibs discuss how recency bias is impacting the way we're all talking about this 49ers and Eagles matchup.

In this first episode of 2026, we sit down for a deep dive into one of the hottest concerns coming from clients and listeners lately: Is the U.S. stock market dangerously concentrated—and are we in an AI bubble? Ben, Dan, and Ben unpack the data, the history, and the psychology behind today's valuations, drawing lessons from past episodes of market euphoria such as Nortel in Canada, the dot-com boom, and Japan's 1989 peak. They explain why high market valuations—not concentration—pose the bigger challenge, how bubbles historically fuel real economic innovation while hurting investors, and why diversification continues to offer the only reliable protection against unknowable futures. Along the way, they revisit examples of how value stocks, small-cap value, and global diversification have fared across different market regimes.   Key Points From This Episode: (0:00:40) What RR is about: evidence-based insights, synthesis episodes, expert interviews, and long-form inquiry — not debates. (0:04:20) Why listeners value RR: transparency, friendly inquiry, returning to topics over time, and the hosts' dynamic. (0:09:25) Rising concern: clients asking whether U.S. market concentration and an AI bubble mean it's time to exit stocks. (0:11:10) Advisors echo similar worries: U.S. politics, all-time highs, and emotional decision-making. (0:14:20) Today's data point: Top seven U.S. stocks = 36% of S&P 500; 32% of the total U.S. market — highest on record. (0:16:10) Why people fear concentration: a decline in the Magnificent Seven could meaningfully drag down the index. (0:17:30) Canada's cautionary tale: Nortel once hit 36% of the TSX — collapsed to zero — but the market recovered by 2005. (0:21:20) Bubbles through history: canals, railways, fiber optics, dot-coms — innovation funded by speculation. (0:25:30) Dot-com parallels: huge ideas, low cost of capital, lots of failures — but lasting infrastructure remained. (0:28:40) AI dominance: Since ChatGPT, AI-linked companies drove 75% of S&P returns, 80% of earnings growth, 90% of capex. (0:31:15) Reminder: No bubble calls — just context. High prices don't equal an inevitable crash. (0:33:10) Concentration vs. valuation: concentration shows weak links to future returns; valuations matter far more. (0:35:05) Market timing trap: U.S. valuations were high in 2021 — selling then would have been disastrous. (0:36:40) The U.S. lost decade: 2000–2010 returns were flat; in CAD, recovery didn't happen until 2013. (0:38:55) Value stocks held up: U.S. value and small-cap value delivered positive returns while broad indexes stagnated. (0:41:00) Recency bias reminder: Canadians once avoided U.S. stocks entirely after a decade of underperformance. (0:44:05) Japan 1989: World's largest market crashes — still not recovered in real terms 36 years later. (0:47:10) Global diversification wins: A 40% Japan-weighted global portfolio still performed fine thanks to U.S. growth. (0:49:00) Cross-country data: Many markets are far more concentrated than the U.S. — still delivered solid returns. (0:52:30) Valuation evidence: Higher CAPE = lower future returns — economically strong pattern across countries. (0:55:40) Core lesson: Diversification + discipline. You will always hold winners and losers — that's the point. (0:57:55) Practical ways to lower concentration risk: global equity funds, small caps, and Canada's 10% cap rule. (1:00:30) Why active managers don't help: only ~30–47% outperform depending on concentration trend. (1:03:25) Final takeaway: high valuations may imply lower returns, but prediction is impossible — stay diversified. (1:05:15) After-show review: Addressing a one-star critique ("Fartcoin Designer") with humour and community context. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Hockey Royalty is back after the holidays to talk about your LA Kings. #gokingsgo #lakings #nhl #thpn #draftkings Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions talk through one of the biggest emotional challenges retirees face: staying calm during market volatility. Jim and Casey unpack why markets feel so unpredictable, the psychological traps investors often fall into, and the practical steps you can take to keep your financial plan on track when headlines turn scary. They also share real client experiences, lessons learned from previous downturns, and the mindset shifts that help long-term investors stay confident rather than reactive. Whether you're retired or nearing retirement, this episode provides clarity and reassurance for navigating uncertain times with a steady hand. http://retirewithmartin.com/ ← Learn about working with us www.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why markets feel more “nervous” lately 02:04 – What a “nervous market” really means 03:30 – Why volatility feels worse than it actually is 05:22 – Emotional traps investors fall into 07:10 – Recency bias, fear, and market overreactions 09:18 – What history tells us about volatile periods 11:26 – How long-term investors can stay grounded 13:14 – Building a plan that can weather any market 15:06 – Why staying invested matters more than timing 17:20 – Real client stories from past downturns 19:02 – Practical steps to stay calm and make smart decisions 21:18 – How to evaluate your portfolio during volatility 22:42 – Final thoughts and encouragement Disclaimer Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of Golf & Politics, Rob Ellsworth and Matt Parker sit down with Simon Holt — CEO of 8AM Travel, co-host of Destination Golf, and steward of Golf Magazine's Top 100 rankings. From Pine Valley to Royal County Down, Japan to New Zealand, Simon pulls back the curtain on how rankings are created, what truly makes a world-class course, how recency bias affects ballots, why firm-and-fast is dominating trends, and why great golf is as much about people as it is about architecture. We dig into: ⛳️ What defines a great panelist

Visit donate.accessmore.com and give today to help fund more episodes and shows like this. Recency bias is a cognitive bias that causes people to give more weight to recent information or experiences, even if older information is more relevant or reliable. Pastors John and Wayne discuss the impact this can have on your leadership and how to know if it's affecting you. Follow us on Instagram for more great leadership content: Pastor John (@johnsiebeling), Pastor Wayne (@waynefrancis), Podcast (@leadershipinblackandwhite). Leave a rating and review to give us your feedback and help the show continue to grow!

Heisman Trophy winner Gino Torretta joins the show for his thoughts on Beck's season and why the Canes only have themselves to blame if recency bias keeps them out of the CFP.

The Murdaugh true crime saga gets the dramatized treatment in a new Hulu limited series, and the hosts are hooked. They discuss the complicated, recent case involving a powerful Southern family, a tragic teenage death, and the later murder of a mother and son. Hear their take on the actors, the show's approach to "answering questions" about the case, and whether a dramatization should stick to the facts. 00:00:45 - 00:01:17 The Dramatized Hulu Limited Series on the Murdaugh Murders 00:01:17 - 00:02:13 Identifying the Actors: Patricia Arquette and Jason Clarke 00:02:13 - 00:03:06 The Recent Nature of the Case and Episode Count 00:03:06 - 00:04:11 The Hook: Answering Unanswered Questions About the Case 00:04:11 - 00:04:54 Opening Scene and Complicated Generational Pieces of the Story 00:04:54 - 00:06:12 The Story's Recency and Previous Documentaries (Dateline, Netflix) 00:06:12 - 00:07:11 Initial Rating and Watching the Show with Prior Knowledge 00:07:11 - 00:08:19 Fictionalizing True Stories and the "Zeitgeist" 00:08:19 - 00:09:21 Concluding Thoughts on the Unavoidable Show Find more and support our indie podcast at www.mostlysuperheroes.com.  ©2025 Carrogan Ventures, LLC

Whether you know it or not, there's a hidden force at play in your life. It's called recency bias. It's a phenomenon where we humans place too much emphasis on recent experiences when making decisions. It's present in all areas of our lives, but nowhere as impactful and prevalent as in our finances. We're notorious for allowing recent events and experiences to cloud our judgment and pollute our decision-making skills. In today's episode, host Travis Shelton discusses how this impacts our financial lives, and ways we can combat it. Podcast website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.travisshelton.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://travisshelton.com/blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to the Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/gB07Ef Podcast Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/370457478238932⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travis_shelton_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Facebook: https://www.facebook.com/travissheltonco/YouTube:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQTikTok: https://www.tiktok.com/@meaning_over_money

Imagine commanding any room, captivating every listener, and leaving a lasting impression that seals the deal—whether you're pitching a product, leading a team, or inspiring change. In a world where attention spans are shrinking to mere minutes, this show reveals how to make your message stick, ensuring your audience stays hooked and persuaded.    Why do some messages linger while others fade? The primacy and recency effects explain it: people remember what comes first and last most vividly. Going first in a pitch, like a keynote speaker setting the tone, leverages primacy to plant a strong idea in your audience's mind before competitors muddy the waters. Ready to make your message unforgettable? Permanent Retention: Primacy vs. Recency Effect is your guide to mastering attention and influence, but this is just the start. Don't let your ideas fade into the background—listen now to unlock the full arsenal of persuasion tools and learn how to go first, go last, and always leave a lasting impression! maximizeyourinfluence.com

Patients relapse. It happens.But here's the kicker: when it does, most chiropractors lose them.Why? Because patients think pain returning means chiropractic didn't work. They forget their progress. They default to meds. They look for another “cure.”In this episode, Martin breaks down the psychology behind relapses and shows you how to handle them and keep people engaged with chiropractic:Recency bias – why people judge you on how they feel today, not the months of progress behind them.Availability heuristic – why “pills and doctors” feel safer when they're in pain.Cognitive dissonance – why it's easier for patients to switch to medical care when they have a relapse.And most importantly… what to do about it.You'll learn:How to pre-frame flare-ups so patients aren't blindsided.The yes, and approach to validate frustration while reframing a relapse.Analogies (like the “healing scab”) that make setbacks feel like part of the healing process—not a failure.Why certainty beats uncertainty—and how a specific plan keeps patients from drifting away.Relapses aren't the end of the story. They're just the plot twist.To learn more about Reactivate to Accelerate https://insideoutpractices.thinkific.com/courses/reactivateLearn more about Daily Visit Communication 2.0https://insideoutpractices.thinkific.com/courses/daily-visitCheck out the Retention Recipe https://insideoutpractices.thinkific.com/courses/retention-recipe-2-0Email me - martin@insideoutpractices.com

Questions? Comments?This episode of Talking Real Money digs into recency bias—our human tendency to expect the future to look like the recent past—and how it's quietly reshaping retirement portfolios. Don and Tom examine rising stock allocations in 401(k)s and target-date funds, even among older investors, and why this performance-chasing is dangerous. They highlight the risks of target-date fund managers pandering to investors, the importance of rebalancing, and the need to stick to long-term allocation plans based on risk tolerance, not market trends. Listener questions cover immediate annuities, 529-to-Roth transfer rules, and whether paying an advisor's 1% fee is worth it compared with DIY investing.0:04 Recency bias explained and why it drives poor investment decisions1:05 Stock allocations hitting record levels in 401(k)s across all age groups2:48 Risk of higher stock exposure for investors in their 60s3:33 Target-date funds increasing equity exposure and chasing performance5:00 Example of an investor going from 60/40 to 90% stocks7:00 Post-2008 shifts: investors moved into bonds when they should've been buying stocks7:26 Importance of rebalancing twice a year to avoid creeping U.S./large-cap overweight9:00 Why boring diversification still works long-term11:26 How to check your target-date fund allocation on Morningstar12:41 Active vs. index target-date funds: Vanguard vs. T. Rowe/Nuveen14:03 Listener Q: Fixed immediate annuity trade-offs (“wizards of odds”)17:49 Why insurers win: payout math vs. life expectancy18:59 Why Don & Tom dislike most annuities but tolerate immediate annuities in some cases20:52 DIY alternative: 5% bond/CD ladder vs. annuity payout21:25 What if you get 6%? Extending sustainable income to 23 years21:37 Listener Q: Rules for rolling 529 funds into a Roth IRA23:00 Key 529 limits: 15-year account age, 5-year holding period, $35k lifetime cap23:14 Listener Q: DIY investing vs. hiring an advisor at 1% AUM24:22 Why a good advisor's value is about more than returns—taxes, withdrawals, estate planning25:42 Vanguard's Advisor Alpha and why behavior coaching adds valueLearn more about your ad choices. Visit megaphone.fm/adchoices

This episode of Talking Real Money digs into recency bias—our human tendency to expect the future to look like the recent past—and how it's quietly reshaping retirement portfolios. Don and Tom examine rising stock allocations in 401(k)s and target-date funds, even among older investors, and why this performance-chasing is dangerous. They highlight the risks of target-date fund managers pandering to investors, the importance of rebalancing, and the need to stick to long-term allocation plans based on risk tolerance, not market trends. Listener questions cover immediate annuities, 529-to-Roth transfer rules, and whether paying an advisor's 1% fee is worth it compared with DIY investing. 0:04 Recency bias explained and why it drives poor investment decisions 1:05 Stock allocations hitting record levels in 401(k)s across all age groups 2:48 Risk of higher stock exposure for investors in their 60s 3:33 Target-date funds increasing equity exposure and chasing performance 5:00 Example of an investor going from 60/40 to 90% stocks 7:00 Post-2008 shifts: investors moved into bonds when they should've been buying stocks 7:26 Importance of rebalancing twice a year to avoid creeping U.S./large-cap overweight 9:00 Why boring diversification still works long-term 11:26 How to check your target-date fund allocation on Morningstar 12:41 Active vs. index target-date funds: Vanguard vs. T. Rowe/Nuveen 14:03 Listener Q: Fixed immediate annuity trade-offs (“wizards of odds”) 17:49 Why insurers win: payout math vs. life expectancy 18:59 Why Don & Tom dislike most annuities but tolerate immediate annuities in some cases 20:52 DIY alternative: 5% bond/CD ladder vs. annuity payout 21:25 What if you get 6%? Extending sustainable income to 23 years 21:37 Listener Q: Rules for rolling 529 funds into a Roth IRA 23:00 Key 529 limits: 15-year account age, 5-year holding period, $35k lifetime cap 23:14 Listener Q: DIY investing vs. hiring an advisor at 1% AUM 24:22 Why a good advisor's value is about more than returns—taxes, withdrawals, estate planning 25:42 Vanguard's Advisor Alpha and why behavior coaching adds value Learn more about your ad choices. Visit megaphone.fm/adchoices

Demi Lovato. Labubus. Terry Gross. Recency bias. The state of America men's bushes. Michael Barbaro. Put your headphones ON, Addison Rae, because it's time for another call-in episode. GET TICKETS TO OUR SUMMER/FALL TOUR HERE: linktree.com/straightiolabCALL US at 385-GAY-GUYS to leave questions and comments for our next surprise call-in show and you just might hear your call on your favorite podcast. STRAIGHTIOLAB MERCH: cottonbureau.com/people/straightiolab SUBSCRIBE TO OUR PATREON at patreon.com/straightiolab for bonus episodes twice a month and don't forget to rate and review us on Apple Podcasts! See omnystudio.com/listener for privacy information.

“More agile than a turtle! Stronger than a mouse! Nobler than a head of lettuce! His shield is his Heart! It's… El CHAPULIN COLORADO!”El Chapulín Colorado – The Red Grasshopper – was a Spanish-speaking television star loved by hundreds of millions of people around the world.The Red Grasshopper would shout “¡Síganme los buenos!” and leap into action whenever a ghost, a bandit, or any other threat appeared.(“¡Síganme los buenos!” translates to “Follow me, the good ones,” or “Good guys, follow me.”)And then he would run into a wall. Or tumble down the stairs. The results of following the lead of the Red Grasshopper were never straightforward. He had a good heart, but he was very poor, clumsy, and inept. His leadership would often increase the trouble, cause a mess, or create some other disaster that, through sheer luck, would always solve the problem.El Chapulín Colorado was Don Quixote dressed as a comedic superhero.Notice how these simple, concrete nouns are easy to visualize in your mind. “Turtle, mouse, head of lettuce, heart, red grasshopper.”And the verbs associated with El Chapulín Colorado are simple as well. “Leap, follow, run, tumble.”El Chapulín Colorado averaged 350 million viewers* per episode in Latin America alone during the mid-1970's and 1980's. The show has made $1.7 billion in syndication fees since it ceased production in 1992.Luis Castañeda, one of the Wizard of Ads Partners, recently sent an email to the partner group.Gentlemen,I was listening to this podcast “Outliers: Anna Wintour – Vogue” [The Knowledge Project Ep. #233] when I heard this comment:“Digital transformation isn't about abandoning what made you successful. It's about translating it to a new medium.”I took this to mean:“How can we translate what Roy has taught us into better digital marketing?”What do you think?LuisToday I will teach you a simple but profound answer to the question posed by Luis. In fact, I already have:These simple, concrete nouns are easy to visualize in your mind. “Turtle, mouse, head of lettuce, heart, red grasshopper.”And the verbs are simple as well. “Leap, follow, run, tumble.”Do you want to create better online ads? Avoid abstract words. Use simple, concrete nouns that people can easily see in their mind. Use simple verbs that are easy to visualize as well.Avoid abstract words. Use concrete words.Avoid abstract words. Use concrete words.Avoid abstract words. Use concrete words.And repetition is effective.Professional writers have long been familiar with that advice, but it was only recently scientifically proven. The publication is “Journal of Experimental Psychology: Learning, Memory, and Cognition.” The paper is titled, “Concrete Words Are Easier to Recall Than Abstract Words: Evidence for a Semantic Contribution to Short-Term Serial Recall.” The tests were performed, and the paper was written, by Ian Walker and Charles Hulme of the University of York.Their paper is long and filled with scientific jargon, but this summary sentence is relatively easy to understand:“It is also apparent that the short words were much better recalled than the long words, and that the concrete words were much better recalled than the abstract words, with the possible exception of the first and last serial positions.”When Walker and Hulme refer to “the first and last serial positions,” they are referring to the long-established laws of Primacy and Recency. These terms describe how humans tend to remember the first item...

Don and Tom take a reality sledgehammer to investors' wildly inflated expectations for stock market returns. A new survey shows average Americans expect 12.6% after inflation, even as historical real returns rarely crack 9%. They explore how this overconfidence—fueled by recency bias and company loyalty—leads to dangerous behavior like under-saving, over-spending, and poorly diversified portfolios. With real-world client stories, historical decade-by-decade returns, and a deep dive into how long it takes portfolios to recover after major drops, they reinforce the need for long-term discipline and diversified planning. The episode wraps with audience questions on umbrella policies, retirement bond ladders, and smart ETF tax-loss harvesting strategies. 0:04 Don delays the podcast waiting for Tom's arrival (with British accent) 1:30 Survey shock: Investors expect 12.6% real annual returns 2:28 Reality check: Actual global stock returns are closer to 9% 3:45 Dangerous real-world portfolios: 100% S&P 500 near retirement 5:30 One-stock portfolios tied to employers—what could go wrong? 6:50 Under-saving due to false optimism about future returns 7:14 Decade-by-decade historical real returns from 1930–2020s 10:13 The Dave Ramsey fantasy: 8% withdrawals on 12% returns 10:40 Recency bias: Why we forget recent downturns so fast 11:05 50% of years see 10% drops; 1 in 3 see 20% drops 12:47 Emotional investing vs. disciplined long-term planning 13:39 Listener Q: How long to recover from a major market drop? 14:22 Diversification shortens recovery time historically 15:36 Build for the worst case: 50% stock market drop 16:32 Listener Q: Does Ivan need an umbrella policy with $350K net worth? 17:57 Umbrellas are rarely needed—but the industry sure sells them 18:54 Listener Q: Is LifeX 10-year bond ladder a good retirement tool? 20:20 It's mostly return of principal—DIY Treasury ladders are cheaper 22:40 Don't be fooled by nice websites and big yield promises 23:24 Listener Q: Can AVGE replace four-fund ETF portfolio for tax loss harvesting? 24:32 Swap Avantis for DFA funds—nearly identical, wash-sale safe 25:56 Parting shots: Buy a decent mic, don't let emotion control your portfolio Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?Don and Tom take a reality sledgehammer to investors' wildly inflated expectations for stock market returns. A new survey shows average Americans expect 12.6% after inflation, even as historical real returns rarely crack 9%. They explore how this overconfidence—fueled by recency bias and company loyalty—leads to dangerous behavior like under-saving, over-spending, and poorly diversified portfolios. With real-world client stories, historical decade-by-decade returns, and a deep dive into how long it takes portfolios to recover after major drops, they reinforce the need for long-term discipline and diversified planning. The episode wraps with audience questions on umbrella policies, retirement bond ladders, and smart ETF tax-loss harvesting strategies.0:04 Don delays the podcast waiting for Tom's arrival (with British accent)1:30 Survey shock: Investors expect 12.6% real annual returns2:28 Reality check: Actual global stock returns are closer to 9%3:45 Dangerous real-world portfolios: 100% S&P 500 near retirement5:30 One-stock portfolios tied to employers—what could go wrong?6:50 Under-saving due to false optimism about future returns7:14 Decade-by-decade historical real returns from 1930–2020s10:13 The Dave Ramsey fantasy: 8% withdrawals on 12% returns10:40 Recency bias: Why we forget recent downturns so fast11:05 50% of years see 10% drops; 1 in 3 see 20% drops12:47 Emotional investing vs. disciplined long-term planning13:39 Listener Q: How long to recover from a major market drop?14:22 Diversification shortens recovery time historically15:36 Build for the worst case: 50% stock market drop16:32 Listener Q: Does Ivan need an umbrella policy with $350K net worth?17:57 Umbrellas are rarely needed—but the industry sure sells them18:54 Listener Q: Is LifeX 10-year bond ladder a good retirement tool?20:20 It's mostly return of principal—DIY Treasury ladders are cheaper22:40 Don't be fooled by nice websites and big yield promises23:24 Listener Q: Can AVGE replace four-fund ETF portfolio for tax loss harvesting?24:32 Swap Avantis for DFA funds—nearly identical, wash-sale safe25:56 Parting shots: Buy a decent mic, don't let emotion control your portfolioLearn more about your ad choices. Visit megaphone.fm/adchoices

Recency Bias Is My Middle Name

Is recent history outweighing reality in this season's outlook? Hear award-winning columnist Dejan Kovacevic's Daily Shots of Steelers, Penguins and Pirates -- three separate podcasts -- every weekday morning on the DK Pittsburgh Sports podcasting network, available on all platforms: https://linktr.ee/dkpghsports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is recent history outweighing reality in this season's outlook? Hear award-winning columnist Dejan Kovacevic's Daily Shots of Steelers, Penguins and Pirates -- three separate podcasts -- every weekday morning on the DK Pittsburgh Sports podcasting network, available on all platforms: https://linktr.ee/dkpghsports Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we discuss how to become a millionaire, the truth about communism, government run grocery stores, new meta analysis on collagen, and more.We hope you enjoy this episode and if you'd like to join us in The Online Fitness Business Mentorship, you can grab your seat at https://www.fitnessbusinessmentorship.comThank you!-J & MWATCH this episode on YouTube: https://youtu.be/wz8Y3IQsTeQTIMESTAMPS:(00:00) — Intro(00:11) — Shoutout Alyssa & Scott (thanks for listening!) (02:29) — Shoutout Michael Mizrachi on his WSP victory (even though you don't know who we are)(10:53) — Collagen meta-analysis shenanigans(14:45) — Recency bias in the "evidence-based" community(18:02) — Sensationalism-based "science" in today's world(29:40) — Why YOU are the only person (or thing) you should ever fully rely on(35:09) — The truth about communism & the fallacy (& dangers) of "equal outcomes"(41:37) — What it ACTUALLY takes to become a millionaire(54:02) — If you only take one thing from this episode...Follow the show on social:YouTube - https://www.youtube.com/@personaltrainerpodcastInstagram - https://www.instagram.com/personaltrainerpodcastTikTok - https://www.tiktok.com/@personaltrainerpodcastJoin our email list & get our FREE '30 Ways To Build A Successful Online Coaching Business' manual: https://bit.ly/30O2l6pCheck out our new book 'Eat It!' at https://www.eatit-book.comIf you have any questions you'd like to have answered on the show, shoot us an email at info@fitnessbusinessmentorship.comIf you enjoyed the episode, we would sincerely appreciate it if you left a five-star review.----Post-Production by: David Margittai | In Post MediaWebsite: https://www.inpostmedia.comEmail: david@inpostmedia.com© 2025 Michael Vacanti & Jordan Syatt

In this episode of Enrich Your Future, Andrew and Larry Swedroe discuss Larry's new book, Enrich Your Future: The Keys to Successful Investing. In this series, they discuss Chapter 37: Sell in May and Go Away: Financial Astrology and Chapter 38: Chasing Spectacular Fund Performance.LEARNING: Calendars don't drive returns. Winners ignore hot funds. “For you to believe in a strategy, there should be some economically logical reason for it to persist, so you can be confident it isn't just some random outcome.”Larry Swedroe In this episode of Enrich Your Future, Andrew and Larry Swedroe discuss Larry's new book, Enrich Your Future: The Keys to Successful Investing. The book is a collection of stories that Larry has developed over 30 years as the head of financial and economic research at Buckingham Wealth Partners to help investors. You can learn more about Larry's Worst Investment Ever story on Ep645: Beware of Idiosyncratic Risks.Larry deeply understands the world of academic research and investing, especially risk. Today, Andrew and Larry discuss Chapter 37: Sell in May and Go Away: Financial Astrology and Chapter 38: Chasing Spectacular Fund Performance.Chapter 37: Sell in May and Go Away: Financial AstrologyIn chapter 37, Larry explains why the idea of selling stocks in May and switching to cash, then buying back in November, is not a sound strategy.What financial advisers insist on repeating, in Larry's view, is: “Sell in May, go to cash, and reinvest in November.” It makes sense and is even logical. And, as the adage has it, numbers don't lie. Figures, backed by reliable data, show that stocks gain more from November through April (a 5.7% average premium) than from May through October (a 2.6% average premium). So why not time the market?Busting the mythLarry dismantles this advice, revealing that the ‘Sell in May' strategy, despite its apparent logic, is a myth. He points out that stocks still outperform cash even during the May to October period, with stocks beating T-bills by 2.6% annually.Selling stocks prematurely leads to missed gains, and the strategy of switching investments underperforms a simple buy-and-hold approach. In fact, a ‘Sell in May' strategy yielded an average annual return of 8.3% from 1926 to 2023, while simply holding the S&P 500 returned 10.2%—a significant 1.9% yearly gap.Larry adds that Taxes and fees make the strategy worse. Trading converts long-term gains (lower tax) into short-term gains (higher tax). Transaction costs always pile up.Additionally, this strategy is rarely effective. Before 2022, the last “win” was 2011. A single outlier (2022's bear market) does not make a strategy worthwhile.The fatal flawAccording to Larry, one of the fundamental rules of finance is that expected return and risk are positively correlated. So if stocks actually do worse than cash between May and October, they'd need to be less risky for these six months, which is absurd because volatility doesn't take summer vacations.Why do people believe in this flawed strategy?Larry notes four reasons why people still believe in this flawed investment strategy:Recency bias: Media hypes the strategy after rare wins (like 2022).Pattern-seeking: Humans confuse coincidence with...