Podcasts about smart ways

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On this episode of the WillPower Podcast, Will sits down with Kyle Fugatt, founder of Hotel Launch and a short-term rental and boutique hotel operator with over $30 million in assets under management. Kyle has built his business at the intersection of hospitality and real estate, both operating his own properties and coaching investors on how to launch and scale their own boutique hotels.Kyle breaks down what separates a profitable STR from a struggling one, why boutique hotels are drawing more investor attention, and the key steps to moving from single-unit rentals to full hospitality assets. Whether you're running your first Airbnb or eyeing a small hotel conversion, this conversation is packed with practical insight on operations, guest experience, and building a hospitality portfolio that lasts.https://www.hotel-launch.com/Get your copy of Rick Segal's book, The Heart of It here: https://amplifypublishinggroup.com/product/nonfiction/business-and-finance/entrepreneurship/the-heart-of-it/Read Rick Segal's blog: https://impactinvestorsegal.com/blog

Send us Fan Mail*Learn more on how this an other charitable tax strategies may help you at: https://www.prosperlcpa.com/applyWe break down how donor-advised funds help high-income earners give more to the causes they love while reducing taxes through smarter asset selection and better timing. We also share real examples of using appreciated stock, real estate, and even business interests to fund philanthropy without creating unnecessary capital gains. • why donating cash is often the least tax-efficient option • how a donor-advised fund works and why it separates deduction timing from grant timing • donating appreciated assets to avoid capital gains while still getting a fair market value deduction • using a DAF to simplify giving when a charity cannot accept complex assets • charitable bunching to turn yearly giving into a larger itemized deduction • planning around a high-income year or liquidity event by donating before a sale • what the gift agreement and third-party appraisal process looks like for non-cash assets • creative strategies including impact investing and donating hard-to-sell assets • fiscal sponsorship as a faster alternative to starting a new 501(c)(3) Connect w/ Phoenix at: https://www.uicharitable.org

I've got a question today for every parent listening who has adult children.Your son or daughter calls you tonight.They've found the house.They love it.They've got good jobs.They can handle the monthly payment.There's just one problem.They don't have enough money to get into it.And then come the six words every parent loves to hear:‘Mom...Dad...can you help us?'Welcome to the Bank of Mom and Dad.And apparently, business is booming.Nearly one-quarter of first-time homebuyers used either a gift or loan from family toward their down payment in 2025.So this isn't some obscure financial-planning question anymore.Families all over America are facing it.And I think the first instinct for most parents is pretty simple:Of course I want to help my kid.But that's not really the question.The question is:What's the smartest way to help them?Give them the down payment?Loan them the money?Buy the house?Buy it together?Help with the monthly payment?Or tell Junior:‘I love you very much. Keep saving.'Because helping your child buy a house can be an incredible gift.But if it's done incorrectly, you can create tax issues, financing problems, family problems—and potentially damage your own retirement.So Cory, Dwight and I are opening the Bank of Mom and Dad today.And before we close at four o'clock...

Joe Jensen sits down with Kathy Fetke, co-founder of RealWealth.com, bestselling author of Retire Rich with Rentals and Scaling Smart, and a longtime real estate investor focused on helping busy professionals buy turnkey rental properties in strong markets. Kathy shares how she built her investing philosophy around market cycles, demographics, job growth, population growth, infrastructure growth, and affordability, explaining why investors who blindly follow the crowd often get hurt. She also reflects on the 2008 housing crash, the opportunity that followed, and how her podcast helped attract investors from around the world to help restore distressed neighborhoods. The episode dives into what real estate investing looks like in 2026, especially for investors who want long-term buy-and-hold rentals without doing all the work themselves. Kathy explains why RealWealth is focused on markets like Oklahoma City, how builder distress can create opportunities through seller-paid rate buydowns, and why brand-new turnkey rentals can be a strong option for people with jobs, down payment capital, and a long-term wealth plan. She also breaks down the tradeoff between high cash flow and long-term appreciation, reminding listeners that true wealth is often built through quality assets, leverage, tax benefits, and time. Book a free real estate investing strategy call! No experience necessary. Check out the Real Estate Investing School Youtube Real Estate Investing School Instagram Brody's Instagram Joe's Instagram Real Wealth Show

Retirement planning is about more than building a portfolio. It's also about deciding what comes next. Richard Rosso & Jonathan McCarty explore the retirement crossroads: making the transition from work to retirement, finding purpose after a career, setting new goals, applying your skills in new ways, and overcoming the reluctance many retirees have to spend the money they've accumulated. We also dig into the financial strategies that can make a difference, including Qualified Charitable Distributions (QCDs), donor-advised funds, charitable checks that aren't cashed, changing tax rules, and potential retirement tax traps. Plus, what movies like The Intern and Cast Away can teach us about identity, purpose, relationships, and life after work. Retirement isn't simply about whether you have enough money. It's about answering a much bigger question: Where are you headed? 0:00 INTRO 0:18 - All "news" all the time... 3:33 - The Importance of Staying Current - What Happens in 2028? 5:08 - What We Do is Strategy 7:46 - What is a QCD? 9:45 - When the Check isn't Cashed... 11:14 - Donor-advised Funds 12:49 - Running the Tax Traps 16:00 - Retirees Who Are Reluctant to Spend 17:04 - Movies that Relate to Retirement (The Intern) 19:53 - The Castaway & Retirement 23:17 - Making the Retirement Transition 28:52 - "You Don't Have to do This Anymore" 35:07 - How to Apply Personal Skills After Retirement 37:00 - Have a Confidant 43:18 - Post-retirement Goals 46:19 - Where Are You Headed? 48:10 - The Retirement Crossroads Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mmJmDMR-gK4?feature=share -------- Watch our previous show, " " ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #FinancialPlanning #TaxPlanning #RetirementLife

Retirement planning is about more than building a portfolio. It's also about deciding what comes next. Richard Rosso & Jonathan McCarty explore the retirement crossroads: making the transition from work to retirement, finding purpose after a career, setting new goals, applying your skills in new ways, and overcoming the reluctance many retirees have to spend the money they've accumulated. We also dig into the financial strategies that can make a difference, including Qualified Charitable Distributions (QCDs), donor-advised funds, charitable checks that aren't cashed, changing tax rules, and potential retirement tax traps. Plus, what movies like The Intern and Cast Away can teach us about identity, purpose, relationships, and life after work. Retirement isn't simply about whether you have enough money. It's about answering a much bigger question: Where are you headed? 0:00 INTRO 0:18 - All "news" all the time... 3:33 - The Importance of Staying Current - What Happens in 2028? 5:08 - What We Do is Strategy 7:46 - What is a QCD? 9:45 - When the Check isn't Cashed... 11:14 - Donor-advised Funds 12:49 - Running the Tax Traps 16:00 - Retirees Who Are Reluctant to Spend 17:04 - Movies that Relate to Retirement (The Intern) 19:53 - The Castaway & Retirement 23:17 - Making the Retirement Transition 28:52 - "You Don't Have to do This Anymore" 35:07 - How to Apply Personal Skills After Retirement 37:00 - Have a Confidant 43:18 - Post-retirement Goals 46:19 - Where Are You Headed? 48:10 - The Retirement Crossroads Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mmJmDMR-gK4?feature=share -------- Watch our previous show, " " ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #FinancialPlanning #TaxPlanning #RetirementLife

Is the stock market dangerously expensive, or are investors overlooking strong future earnings growth? The S&P 500's Shiller CAPE ratio has reached 41, yet the PEG ratio, which incorporates expected earnings growth, is signaling one of the cheapest market valuations in decades. Michael Lebowitz and Lance Roberts examine why these two popular valuation measures are sending completely opposite signals. The key difference comes down to expectations: CAPE relies on historical earnings, while PEG depends heavily on Wall Street forecasts for future growth. We look at the reliability of those earnings forecasts, the extraordinary concentration of expected growth among a handful of large technology companies, the role of AI investment, and whether today's valuations already price in too much optimism. 0:00 INTRO 1:04 - Jobs, JOLTS, & Economic Number Previews 5:01 - Markets are Stuck 11:04 - Vacation & Weekend Plans 12:23 - The Fed: What Will Warsh Do With Rates? 16:12 - The Truth About "Fed Buy Backs" 17:57 - Inflation Expectations are not Reason to Raise Rates 21:29 - No Guidance from the Fed? 23:48 - Valuations - What We Know vs What We Think We Know 28:48 - It all Comes Down to AI 32:12 - The Issue with PEG Ratios 36:12 - Dealing with Earnings Estimates Revisions 37:55 - How AI is Like the Railroads 39:34 -The Use of AI is Growing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/OOZIdB7YSsw -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "Market Stuck in Neutral," https://youtu.be/bTDPi28yJcg ------- Articles mentioned in this report: "Market Valuation: Expensive CAPE Or Cheap PEG?" hhttps://realinvestmentadvice.com/resources/blog/market-valuation-expensive-cape-or-cheap-peg/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #ValueStocks #SeptemberMarkets #StockMarket #MarketValuation #Investing #SP500 #ArtificialIntelligence

Markets remain trapped in a frustrating sideways consolidation as money rapidly rotates between Technology, Healthcare, Momentum, and Value. Momentum stocks remain under pressure, while large-cap Value and Quality are holding up better. With volatility still compressed and markets offering little directional conviction, Lance Roberts explains why investors should avoid chasing rotations or making rash portfolio moves until the market finally shows its hand. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/bTDPi28yJcg --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #ValueStocks #SeptemberMarkets

Is the stock market dangerously expensive, or are investors overlooking strong future earnings growth? The S&P 500's Shiller CAPE ratio has reached 41, yet the PEG ratio, which incorporates expected earnings growth, is signaling one of the cheapest market valuations in decades. Michael Lebowitz and Lance Roberts examine why these two popular valuation measures are sending completely opposite signals. The key difference comes down to expectations: CAPE relies on historical earnings, while PEG depends heavily on Wall Street forecasts for future growth. We look at the reliability of those earnings forecasts, the extraordinary concentration of expected growth among a handful of large technology companies, the role of AI investment, and whether today's valuations already price in too much optimism. 0:00 INTRO 1:04 - Jobs, JOLTS, & Economic Number Previews 5:01 - Markets are Stuck 11:04 - Vacation & Weekend Plans 12:23 - The Fed: What Will Warsh Do With Rates? 16:12 - The Truth About "Fed Buy Backs" 17:57 - Inflation Expectations are not Reason to Raise Rates 21:29 - No Guidance from the Fed? 23:48 - Valuations - What We Know vs What We Think We Know 28:48 - It all Comes Down to AI 32:12 - The Issue with PEG Ratios 36:12 - Dealing with Earnings Estimates Revisions 37:55 - How AI is Like the Railroads 39:34 -The Use of AI is Growing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/OOZIdB7YSsw -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "Market Stuck in Neutral," https://youtu.be/bTDPi28yJcg ------- Articles mentioned in this report: "Market Valuation: Expensive CAPE Or Cheap PEG?" hhttps://realinvestmentadvice.com/resources/blog/market-valuation-expensive-cape-or-cheap-peg/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #ValueStocks #SeptemberMarkets #StockMarket #MarketValuation #Investing #SP500 #ArtificialIntelligence

September is starting with a new set of challenges for investors: rising Treasury yields, higher oil prices, persistent inflation, renewed geopolitical tensions, and growing questions about whether the Federal Reserve may have to raise rates again. Add historically weak September seasonality and the uncertainty surrounding the midterm elections, and investors have plenty to think about. Lance Roberts and Danny Ratliff answer your questions about market risk, interest rates, inflation, portfolio positioning, retirement planning, and what investors should be watching next. 0:00 INTRO 0:50 - JOLTS Report Review, ADP/Jobs Preview 2:04 - Oil Prices on the rise (oil risk is transient): What's feeding into Inflation? 3:52 - Broadcom report preview 4:14 - Market working down towards 50-DMA to test support 5:15 - Seasonal weakness for September is present; volatility remains low 8:53 - Any market Rotation? 10:28 - Guidance for Acquiring company stock in 401k 12:37 - Recommendation for Rotation in and out of funds - how & why & controlling risk 15:30 - Dividend yields or reinvest in Creation of Retirement Paycheck? 19:37 - Where to hide money from the "coming doom..." 21:30 - Dealing with the risks in September 22:57 - Portfolio Management Rebalancing, & Target Weighting 26:13 - Data Center & related stocks: Bloom, Anet, ETN 30:15 - Money flow & Breadth Indicator, Momentum signals: Tax avoidance investing 32:56 - Is anyone big enough to move the market to influence the election (Situational Awareness) 36:55 - Changes to mandatory withdrawals 38:38 - Sensible policies to "fix" SS: remove restrictions on IRA's vs need for revenue 43:33 - Brookfield Corp? 45:12 - Worry about IRMAA? 45:56 - Pullback # for S&P 46:33 - Gold & Silver to run in future? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZxnrV8m0F4g?feature=share -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "September Weakness Tests Market Support," https://youtu.be/4xaM1pIhI1w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets #Investing #FederalReserve #RetirementPlanning #MarketRisk

Markets are testing support after three straight days of selling, with technology and semiconductors leading the weakness. The S&P 500 is moving toward its 50-DMA as September seasonality, upcoming corporate buyback blackouts, and quarter-end repositioning add to downside risk. But this remains a normal market pullback, not a reason to panic. With volatility still unusually low and markets not yet deeply oversold, investors should keep the weakness in context. Now is the time to manage risk, take profits where appropriate, rebalance portfolio allocations, and raise some cash rather than make emotional decisions. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/4xaM1pIhI1w --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets

September is starting with a new set of challenges for investors: rising Treasury yields, higher oil prices, persistent inflation, renewed geopolitical tensions, and growing questions about whether the Federal Reserve may have to raise rates again. Add historically weak September seasonality and the uncertainty surrounding the midterm elections, and investors have plenty to think about. Lance Roberts and Danny Ratliff answer your questions about market risk, interest rates, inflation, portfolio positioning, retirement planning, and what investors should be watching next. 0:00 INTRO 0:50 - JOLTS Report Review, ADP/Jobs Preview 2:04 - Oil Prices on the rise (oil risk is transient): What's feeding into Inflation? 3:52 - Broadcom report preview 4:14 - Market working down towards 50-DMA to test support 5:15 - Seasonal weakness for September is present; volatility remains low 8:53 - Any market Rotation? 10:28 - Guidance for Acquiring company stock in 401k 12:37 - Recommendation for Rotation in and out of funds - how & why & controlling risk 15:30 - Dividend yields or reinvest in Creation of Retirement Paycheck? 19:37 - Where to hide money from the "coming doom..." 21:30 - Dealing with the risks in September 22:57 - Portfolio Management Rebalancing, & Target Weighting 26:13 - Data Center & related stocks: Bloom, Anet, ETN 30:15 - Money flow & Breadth Indicator, Momentum signals: Tax avoidance investing 32:56 - Is anyone big enough to move the market to influence the election (Situational Awareness) 36:55 - Changes to mandatory withdrawals 38:38 - Sensible policies to "fix" SS: remove restrictions on IRA's vs need for revenue 43:33 - Brookfield Corp? 45:12 - Worry about IRMAA? 45:56 - Pullback # for S&P 46:33 - Gold & Silver to run in future? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZxnrV8m0F4g?feature=share -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "September Weakness Tests Market Support," https://youtu.be/4xaM1pIhI1w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets #Investing #FederalReserve #RetirementPlanning #MarketRisk

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What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio. A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change. Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money. 0:00 INTRO 0:54 - Economic Previews & late earnings trickle in 3:15 - AI: Dis-inflationary AND Inflationary 4:57 - September is Seasonally Weak: 11:20 - Traditional Buy & Hold vs more active management & fear of gains 14:16 - Capital Preservation is first priority 17:44 - Separately Managed Accounts (SMA) vs S&P 20:04 - The Challenges of starting to build financial plan 26:00 - Getting Your Money's Worth from Financial Advisor 29:21 - The Problem of Account Accumulation & Dilution of Returns 34:02 - Budgeting, stress-testing, & tax planning opportunities 36:17 - Estate planning, medical directives, Durable POA 38:08 - Financial Planning priorities in Investing 39:06 - The Role of Life Insurance in Financial Planning 40:26 - Annuities' Bad rap - does it make sense? 44:00 - How much Liability Protection do You Need? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dRd4fGgwrkc -------- Watch our previous show, "Druckenmiller's Bond Market Warning" https://youtube.com/live/8HuTiqxY7yM ------- Watch today's "Before the Bell" report, "Don't Make a Big Bet Yet," https://youtu.be/9gNpbwdm97w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection #FinancialPlanning #FinancialAdvisor #RetirementPlanning #PersonalFinance #WealthManagement

Markets are showing broader signs of weakness as the S&P 500, equal-weight index, small caps, and international stocks test or break key moving averages. Technology remains under pressure, while sector rotation continues beneath the surface. Lance Roberts looks at why a move toward the 50-DMA would not be surprising, why investors should avoid making large portfolio bets before the market establishes a clearer direction, and how a strengthening U.S. Dollar could pressure emerging markets, gold, and precious metals. For now, patience may be the best strategy as markets work through this consolidation and correction process. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/9gNpbwdm97w --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection

What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio. A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change. Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money. 0:00 INTRO 0:54 - Economic Previews & late earnings trickle in 3:15 - AI: Dis-inflationary AND Inflationary 4:57 - September is Seasonally Weak: 11:20 - Traditional Buy & Hold vs more active management & fear of gains 14:16 - Capital Preservation is first priority 17:44 - Separately Managed Accounts (SMA) vs S&P 20:04 - The Challenges of starting to build financial plan 26:00 - Getting Your Money's Worth from Financial Advisor 29:21 - The Problem of Account Accumulation & Dilution of Returns 34:02 - Budgeting, stress-testing, & tax planning opportunities 36:17 - Estate planning, medical directives, Durable POA 38:08 - Financial Planning priorities in Investing 39:06 - The Role of Life Insurance in Financial Planning 40:26 - Annuities' Bad rap - does it make sense? 44:00 - How much Liability Protection do You Need? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dRd4fGgwrkc -------- Watch our previous show, "Druckenmiller's Bond Market Warning" https://youtube.com/live/8HuTiqxY7yM ------- Watch today's "Before the Bell" report, "Don't Make a Big Bet Yet," https://youtu.be/9gNpbwdm97w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection #FinancialPlanning #FinancialAdvisor #RetirementPlanning #PersonalFinance #WealthManagement

Stanley Druckenmiller is warning Washington about the bond market, but the real message may not be an impending debt crisis. The bond market may have already delivered its verdict. Lance Roberts examines Druckenmiller's criticism of Treasury intervention, Scott Bessent's expanded long-term Treasury buybacks, and why attempts to manage yields could create a bigger problem than the initial intervention itself. 0:00 INTRO 0:53 - Labor Day Preview, Kevin Warsh Review 4:53 - US-Venezuela Oil Deal 6:08 - August Into September Markets 12:09 - Pumpkins, Spice, & Sickle and Hammer 13:14 - Stanley Druckenmiller & AI 15:41 - Druckenmiller's Bond Warning 18:12 - The Bond Buy back Operation 23:23 - Warsh Wants the Fed Out of the Bond market 25:40 - What Druckenmiller Said vs What's being read 28:10 - What You Should Do if You Own Fixed Income 33:12 - If there's not Crisis... 35:46 - The Myths of Long Term Investing, Part-3 - The Math of Loss 42:55 - Why Valuations Matter 45:35 - When You Retire Matters Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/8HuTiqxY7yM -------- Watch our previous show, "Will Your IRA Go to the Right People?" https://youtube.com/live/GpH7q-IgPXs?feature=share ------- Watch today's "Before the Bell" report, "September Volatility Test Begins," https://youtu.be/6e-dFR8sjyc ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SeptemberMarkets #MarketVolatility #Investing #RiskManagement #BondMarket #InterestRates #TreasuryBonds #StanleyDruckenmiller #Investing

September arrives with markets under pressure, volatility unusually compressed, and the S&P 500 testing key technical support. With earnings season over and economic data taking center stage, investors could face a more challenging stretch as momentum stocks weaken and midterm election uncertainty approaches. Lance Roberts examines the market's sell signal, the potential for a pullback toward the 50-DMA and 100-DMA, and why the 7,500 area could become important support. With rapid market rotation making risk management more difficult, maintaining a cash buffer, managing bond duration, and avoiding emotional investment decisions could be increasingly important as September volatility returns. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/6e-dFR8sjyc --- Articles mentioned in this report: "Druckenmiller Warning: The Bond Market Already Priced It" https://realinvestmentadvice.com/resources/blog/druckenmiller-warning-the-bond-market-already-priced-it/ "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SeptemberMarkets #MarketVolatility #Investing #RiskManagement

Stanley Druckenmiller is warning Washington about the bond market, but the real message may not be an impending debt crisis. The bond market may have already delivered its verdict. Lance Roberts examines Druckenmiller's criticism of Treasury intervention, Scott Bessent's expanded long-term Treasury buybacks, and why attempts to manage yields could create a bigger problem than the initial intervention itself. 0:00 INTRO 0:53 - Labor Day Preview, Kevin Warsh Review 4:53 - US-Venezuela Oil Deal 6:08 - August Into September Markets 12:09 - Pumpkins, Spice, & Sickle and Hammer 13:14 - Stanley Druckenmiller & AI 15:41 - Druckenmiller's Bond Warning 18:12 - The Bond Buy back Operation 23:23 - Warsh Wants the Fed Out of the Bond market 25:40 - What Druckenmiller Said vs What's being read 28:10 - What You Should Do if You Own Fixed Income 33:12 - If there's not Crisis... 35:46 - The Myths of Long Term Investing, Part-3 - The Math of Loss 42:55 - Why Valuations Matter 45:35 - When You Retire Matters Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/8HuTiqxY7yM -------- Watch our previous show, "Will Your IRA Go to the Right People?" https://youtube.com/live/GpH7q-IgPXs?feature=share ------- Watch today's "Before the Bell" report, "September Volatility Test Begins," https://youtu.be/6e-dFR8sjyc ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SeptemberMarkets #MarketVolatility #Investing #RiskManagement #BondMarket #InterestRates #TreasuryBonds #StanleyDruckenmiller #Investing

Who inherits your IRA could matter just as much as what's in it. The SECURE Act changed the rules for inherited retirement accounts, while newer IRS regulations created additional planning opportunities for trusts and multiple beneficiaries. Richard Rosso & Jonathan McCarty break down IRA beneficiary designations, the 10-year distribution rule, trusts as retirement account beneficiaries, and why outdated estate plans can create unintended tax consequences. Plus, we explain how properly structured trusts and subtrusts may provide greater flexibility for spouses, children, and other heirs. Before assuming your will or trust has your retirement accounts covered, make sure your beneficiary strategy actually works the way you intend. 0:00 INTRO 0:20 - Nana Nun, teaser: Designating Beneficiaries Can Become a Nightmare 2:03 - Uber & Zipline drone delivery; Why the Young "have no money" 9:23 - Account Titling and Probate Avoidance 14:00 - Revocable Living Trusts 15:57 - Setting Beneficiaries on Assets 18:31 - How to Use TOD (Transfer on Death) 20:10 - Mistakes w IRA Beneficiaries 25:39 - The Benefits of Online Savings (adding/subtracting beneficiaries) 27:47 - Best Practices for Titling: Be Specific 29:46 - Naming Contingent Beneficiaries Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/GpH7q-IgPXs?feature=share -------- Watch our previous show, "Watch our previous show, "Nvidia Says the AI Boom Is Just Getting Started, " https://youtube.com/live/lGSWXLw9dPY " ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #EstatePlanning #InheritedIRA #RetirementPlanning #IRA #FinancialPlanning

Who inherits your IRA could matter just as much as what's in it. The SECURE Act changed the rules for inherited retirement accounts, while newer IRS regulations created additional planning opportunities for trusts and multiple beneficiaries. Richard Rosso & Jonathan McCarty break down IRA beneficiary designations, the 10-year distribution rule, trusts as retirement account beneficiaries, and why outdated estate plans can create unintended tax consequences. Plus, we explain how properly structured trusts and subtrusts may provide greater flexibility for spouses, children, and other heirs. Before assuming your will or trust has your retirement accounts covered, make sure your beneficiary strategy actually works the way you intend. 0:00 INTRO 0:20 - Nana Nun, teaser: Designating Beneficiaries Can Become a Nightmare 2:03 - Uber & Zipline drone delivery; Why the Young "have no money" 9:23 - Account Titling and Probate Avoidance 14:00 - Revocable Living Trusts 15:57 - Setting Beneficiaries on Assets 18:31 - How to Use TOD (Transfer on Death) 20:10 - Mistakes w IRA Beneficiaries 25:39 - The Benefits of Online Savings (adding/subtracting beneficiaries) 27:47 - Best Practices for Titling: Be Specific 29:46 - Naming Contingent Beneficiaries Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/GpH7q-IgPXs?feature=share -------- Watch our previous show, "Nvidia Says the AI Boom Is Just Getting Started, " https://youtube.com/live/lGSWXLw9dPY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #EstatePlanning #InheritedIRA #RetirementPlanning #IRA #FinancialPlanning

Nvidia delivered another blockbuster quarter, reporting record revenue of $96.2 billion, up 106% from a year ago, as demand for AI infrastructure continues to accelerate. But the bigger story may be what comes next. Lance Roberts & Michael Lebowitz break down Nvidia's latest earnings, its extraordinary growth outlook, Blackwell and Vera Rubin demand, the massive buildout in AI infrastructure, and Nvidia's growing financial involvement across the AI ecosystem. We also examine the risks, including rising memory costs, margin pressure, enormous capital requirements, and questions about whether today's AI spending boom can deliver adequate returns. 0:00 INTRO 1:00 - Economic Recap & Multiplier Effect 6:31 - Market Push from NASDAQ 11:45 - Passwords, Needles & Rosso's toys 14:30 - NVIDIA Reports - Markets Respond 21:36 - How Ancillary Business Benefit from NVIDIA 24:03 - NVIDIA Stock Performance 25:32 - The Heat Map Game 27:25 - Portfolio Positioning & Nat Gas play 30:37 - The Economics of Gilligan's Island 35:33 - Productivity Factors of AI 38:04 - How Much Return on AI Investment will there be 39:57 - How Will AI be Transformative? 42:42 - We're All Investing in AI Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lGSWXLw9dPY ------- Articles mentioned in this report: "Fueling AI Data Centers: Behind The Meter Solutions- Part 1" https://realinvestmentadvice.com/resources/blog/fueling-ai-data-centers-behind-the-meter-solutions-part-1/ "Behind The Meter Solutions Investment Guide- Part 2" https://realinvestmentadvice.com/resources/blog/behind-the-meter-solutions-investment-guide-part-2/ "Productivity On Gilligan's Island: Episode 2" https://realinvestmentadvice.com/resources/blog/productivity-on-gilligans-island-episode-2/ "Bitcoin Up 22%: Has The Halving Cycle Begun?" https://realinvestmentadvice.com/resources/blog/bitcoin-up-22-has-the-halving-cycle-begun/ --- Watch today's "Before the Bell" report, "NASDAQ Technicals Are Turning Higher," https://youtu.be/33KMo6HoezY ------- Watch our previous show, "Are Today's Interest Rates Really That High?" https://youtube.com/live/lPCVe6O4LjM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NASDAQ #StockMarket #TechnologyStocks #MarketOutlook #Investing #Nvidia #NVDA #NvidiaEarnings #AIStocks

The NASDAQ is showing signs of technical improvement after five straight down days and a significant mean-reversion move. The 20-DMA has moved back above the 50-DMA, a rising trend line is developing, and improving momentum could put recent highs back in play. But this is not an "all clear" for technology stocks. September seasonality, a post-earnings data lull, Fed policy, and upcoming economic reports could keep markets choppy. We look at what the NASDAQ and semiconductor charts are signaling, where momentum may be headed next, and why investors should continue to manage risk despite improving technicals. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/33KMo6HoezY --- Articles mentioned in this report: "Bitcoin Up 22%: Has The Halving Cycle Begun?" https://realinvestmentadvice.com/resources/blog/bitcoin-up-22-has-the-halving-cycle-begun/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NASDAQ #StockMarket #TechnologyStocks #MarketOutlook #Investing

Nvidia delivered another blockbuster quarter, reporting record revenue of $96.2 billion, up 106% from a year ago, as demand for AI infrastructure continues to accelerate. But the bigger story may be what comes next. Lance Roberts & Michael Lebowitz break down Nvidia's latest earnings, its extraordinary growth outlook, Blackwell and Vera Rubin demand, the massive buildout in AI infrastructure, and Nvidia's growing financial involvement across the AI ecosystem. We also examine the risks, including rising memory costs, margin pressure, enormous capital requirements, and questions about whether today's AI spending boom can deliver adequate returns. 0:00 INTRO 1:00 - Economic Recap & Multiplier Effect 6:31 - Market Push from NASDAQ 11:45 - Passwords, Needles & Rosso's toys 14:30 - NVIDIA Reports - Markets Respond 21:36 - How Ancillary Business Benefit from NVIDIA 24:03 - NVIDIA Stock Performance 25:32 - The Heat Map Game 27:25 - Portfolio Positioning & Nat Gas play 30:37 - The Economics of Gilligan's Island 35:33 - Productivity Factors of AI 38:04 - How Much Return on AI Investment will there be 39:57 - How Will AI be Transformative? 42:42 - We're All Investing in AI Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lGSWXLw9dPY ------- Articles mentioned in this report: "Fueling AI Data Centers: Behind The Meter Solutions- Part 1" https://realinvestmentadvice.com/resources/blog/fueling-ai-data-centers-behind-the-meter-solutions-part-1/ "Behind The Meter Solutions Investment Guide- Part 2" https://realinvestmentadvice.com/resources/blog/behind-the-meter-solutions-investment-guide-part-2/ "Productivity On Gilligan's Island: Episode 2" https://realinvestmentadvice.com/resources/blog/productivity-on-gilligans-island-episode-2/ "Bitcoin Up 22%: Has The Halving Cycle Begun?" https://realinvestmentadvice.com/resources/blog/bitcoin-up-22-has-the-halving-cycle-begun/ --- Watch today's "Before the Bell" report, "NASDAQ Technicals Are Turning Higher," https://youtu.be/33KMo6HoezY ------- Watch our previous show, "Are Today's Interest Rates Really That High?" https://youtube.com/live/lPCVe6O4LjM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NASDAQ #StockMarket #TechnologyStocks #MarketOutlook #Investing #Nvidia #NVDA #NvidiaEarnings #AIStocks

What if the difference between listing your house as-is and walking away with real money came down to knowing exactly where to put $10,000 — and exactly where not to? That’s the question I dug into on this episode of Real Estate Right Now with Steve Kruger, Senior Listing and Sales Expert with Linda Craft Team, REALTORS. Steve’s team built a Fix & Flip program that lets sellers renovate before they list and pay at closing — but here’s what most people miss: the real value isn’t the financing. It’s Steve walking through a home and telling you, room by room, which fixes actually move the sale price and which ones are just money out the window. We spent real time on this, because it’s the heart of the episode — how Steve decides whether spending $10,000, $25,000, or $50,000 leaves a seller ahead at the closing table, or just leaves them poorer with a shinier house. And we didn’t stop at theory. Steve walked us through an actual before-and-after: the condition the home was in, what he recommended, what it cost, and what it sold for. That one example alone is worth the listen. If you’ve got a home that needs some love before you sell — or you’ve been told “just list it as-is” and aren’t sure that’s the right call — catch the full conversation, “Fix It, List It, Profit: The Smart Way to Sell for More.” Link in the comments. Then tell me: what’s the one improvement you’d never skip before selling? Linda Craft Team, REALTORS no matter where you live in the world, Linda Craft and her team can help you find the best professional in your area to help you sell or buy your next home. While most real estate professionals belong to a nationally affiliated company where they are obligated to use the people in their company's network. Linda Craft Team are privately owned and operated.  That means they can find the absolute best professional from ANY company to ensure you get the best service. Located in the Raleigh Research Triangle Park of North Carolina…they are indeed legendary when it comes to service.  Learn more  by going to Linda Craft & Team, REALTORS  www.LindaCraft.com Hey…do me a favor and please tell your friends to subscribe to A New Direction on their favorite podcast platform and give us a 5 star rating we are so grateful when you do! ABOUT YOUR HOST Meet Jay Izso Executive Performance Coach  |  Host of A New Direction Every week on A New Direction, I sit down with CEOs, founders, and the researchers behind the science of leadership performance. The conversations go deep. We talk about the decisions that built companies, the mistakes that nearly destroyed them, and the personal breakthroughs that changed everything. But here's what most people don't know about me: the show is an extension of the work I do every day with executives behind closed doors. Who I Am I'm an Executive Performance Coach. I work with CEOs and founders of $5M-$50M companies who have hit a wall they can't explain. The marketing looks fine. The team is capable. The market is there. But the business won't move. The problem, almost every time, is the person running it. I find the personal behavioral patterns that are driving the business dysfunction. Then I help the CEO disrupt those patterns so the company can grow. That's it. No motivational platitudes. No vision boards. Diagnostics, intervention, results. Where This Comes From My approach comes from two places most coaches never set foot in. The farm. I grew up as a farmhand in Ithaca, Nebraska—population 100. I started working at nine years old. By the time I left for college, I'd spent a decade learning that you can't cheat the harvest, pain is part of the job, and the work has to get done whether you feel like it or not. I was fourteen the first time I had to castrate boars. Nobody was going to do it for me. That lesson never left: sometimes you have to do things afraid. The forensic psychology unit. In graduate school at Washington State University, I trained under Dr. Thomas Brigham—co-author of the Handbook of Applied Behavior Analysis—in a human behavior lab focused on real-world problems. I then served in a Clinical Psych II role at Eastern State Hospital in Medical Lake, Washington, a forensic setting where I conducted psychological evaluations of individuals charged with the most serious criminal offenses. Sixteen months assessing human behavior at its most extreme taught me how to cut through defenses, identify what's really driving someone's decisions, and see what they can't see in themselves.

Markets are facing a growing list of risks as investors head into the final stretch of summer. Stocks are working through a slow-moving correction, Treasury yields remain elevated, technology leadership is being tested, and the Federal Reserve faces renewed questions about inflation and interest rates. Which risks actually matter for your portfolio, and which are mostly market noise? Lance Roberts & Danny Ratliff answer your questions, live, as we break down the latest economic data, market signals, Fed policy expectations, bond yields, and geopolitical developments to separate the real threats from the headlines. 0:00 INTRO 1:00 - Dolly Parton's Passing 1:46 - NVDIA is the Big News Today - will move markets tomorrow 4:34 - Markets Rally and Hold 20-DMA; Mitigating Market Risk 6:38 - NVIDIA Preview 10:26 - Lance's Wardrobe 11:35 - Semi-conductor Strategies 14:44 - 401-k Rotation Strategies 19:52 - Looking at Interest Rate plays - what is your goal? 22:13 - Is the Globalization Narrative breaking down? (TV Pricing & Exporting Inflation, Importing Deflation) 27:46 - Modifying Cap Ex concept in AI business? 28:48 - If the Basis Trade blows up? 29:19 - Barbell Strategies for ten-year term (Value ETF's vs Momentum ETF's) 35:22 - 50-50 portfolio (eating cake every night & not gain weight) 37:47 - Etherium Price at EOY? (you've missed The Move for this year); it is a risk asset 40:01 - Stuck with TMF (leveraged ETF) What Would You Do From here? 44:51 - When a Company is sold, when to get out? 45:24 - Value vs growth 46:04 - NVIDIA, Market Cap Concentration, & Top Ten Stocks 49:01 - What Could Cause a Spike Higher in Yields? 51:50 - Stanley Drunkenmiller vs the Fed: Let the market dictate action 52:49 - Balanced Portfolios at age 80? 55:21 - Sectors most under-valued, over-looked, and over-valued? 56:38 - How much of investing proverbs/rules have come true? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/tESc03T56K4?feature=share ------- Articles mentioned in this report: "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ "Investor Psychology Is Sabotaging Your Returns (Chapter 2 of 5)" https://realinvestmentadvice.com/resources/blog/investor-psychology-is-sabotaging-your-returns-chapter-2-of-5/ "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ "Three Percent Real TIPS Yields: Boring But Valuable" https://realinvestmentadvice.com/resources/blog/three-percent-real-tips-yields-boring-but-valuable/ -------- Watch today's "Before the Bell" report, "NVIDIA Earnings Put Market Support to the Test," https://youtu.be/5Dkn-dNU9wA ------- Watch our previous show, "Are Today's Interest Rates Really That High?" https://youtube.com/live/lPCVe6O4LjM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NVIDIA #StockMarket #NVDA #Investing #MarketOutlook #FederalReserve #Investing #InterestRates

Markets are facing a growing list of risks as investors head into the final stretch of summer. Stocks are working through a slow-moving correction, Treasury yields remain elevated, technology leadership is being tested, and the Federal Reserve faces renewed questions about inflation and interest rates. Which risks actually matter for your portfolio, and which are mostly market noise? Lance Roberts & Danny Ratliff answer your questions, live, as we break down the latest economic data, market signals, Fed policy expectations, bond yields, and geopolitical developments to separate the real threats from the headlines. 0:00 INTRO 1:00 - Dolly Parton's Passing 1:46 - NVDIA is the Big News Today - will move markets tomorrow 4:34 - Markets Rally and Hold 20-DMA; Mitigating Market Risk 6:38 - NVIDIA Preview 10:26 - Lance's Wardrobe 11:35 - Semi-conductor Strategies 14:44 - 401-k Rotation Strategies 19:52 - Looking at Interest Rate plays - what is your goal? 22:13 - Is the Globalization Narrative breaking down? (TV Pricing & Exporting Inflation, Importing Deflation) 27:46 - Modifying Cap Ex concept in AI business? 28:48 - If the Basis Trade blows up? 29:19 - Barbell Strategies for ten-year term (Value ETF's vs Momentum ETF's) 35:22 - 50-50 portfolio (eating cake every night & not gain weight) 37:47 - Etherium Price at EOY? (you've missed The Move for this year); it is a risk asset 40:01 - Stuck with TMF (leveraged ETF) What Would You Do From here? 44:51 - When a Company is sold, when to get out? 45:24 - Value vs growth 46:04 - NVIDIA, Market Cap Concentration, & Top Ten Stocks 49:01 - What Could Cause a Spike Higher in Yields? 51:50 - Stanley Drunkenmiller vs the Fed: Let the market dictate action 52:49 - Balanced Portfolios at age 80? 55:21 - Sectors most under-valued, over-looked, and over-valued? 56:38 - How much of investing proverbs/rules have come true? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/tESc03T56K4?feature=share ------- Articles mentioned in this report: "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ "Investor Psychology Is Sabotaging Your Returns (Chapter 2 of 5)" https://realinvestmentadvice.com/resources/blog/investor-psychology-is-sabotaging-your-returns-chapter-2-of-5/ "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ "Three Percent Real TIPS Yields: Boring But Valuable" https://realinvestmentadvice.com/resources/blog/three-percent-real-tips-yields-boring-but-valuable/ -------- Watch today's "Before the Bell" report, "NVIDIA Earnings Put Market Support to the Test," https://youtu.be/5Dkn-dNU9wA ------- Watch our previous show, "Are Today's Interest Rates Really That High?" https://youtube.com/live/lPCVe6O4LjM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NVIDIA #StockMarket #NVDA #Investing #MarketOutlook #FederalReserve #Investing #InterestRates

Markets are holding the 20-day moving average, but momentum remains under pressure as September seasonality and midterm election risk approach. Investors may want to rebalance, raise stops, and keep some cash available as the market consolidates. Tonight, NVIDIA earnings take center stage. With the stock already pulling back, options pricing in a roughly 5% move, and key technical support below, could NVIDIA's report trigger the next breakout, or will disappointment send shares toward deeper support? Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/5Dkn-dNU9wA --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NVIDIA #StockMarket #NVDA #Investing #MarketOutlook

Are you looking for ways to save money, especially if you're starting to eat plant-based? If so, I've got you covered.   I know it doesn't help that food prices seem to be rising, along with fuel costs and other daily expenditures. But eating plant-based can STILL stay affordable and enjoyable, especially if you use the right smart strategies.   That's what we're going to talk about today. In this episode, I'll share with you 3 ways you can be smart about what you buy on your next grocery shop. Let's get you eating plant-based with MORE confidence, while staying on a budget. So find a comfortable spot with a notebook and pen, and let's get to it!   Join -> Plant-Powered Life Transformation Course: www.plantnourished.com/ppltcourse Contact -> healthnow@plantnourished.com Learn -> www.plantnourished.com Enjoy 1:1 Coaching Support -> https://www.plantnourished.com/coachingwaitlist Free Resource -> 7 Ways to Test-Drive a Plant-Based Diet: www.plantnourished.com/testdrive     Have a question about plant-based diets that you would like answered on the Plant Based Eating Made Easy Podcast? Send it by email (healthnow@plantnourished.com) or submit it by a voice message here: www.speakpipe.com/plantnourished   [Plant Based, Plantbased Eating, Smart Produce Hacks, Plant-Based Diet, Money-Saving Tips, Save Money, Grocery Shopping, Grocery Budget Tips]

Interest rates are rising, long-term bond prices have pulled back, and investors are once again worried that higher Treasury yields could threaten the economy and markets. But what if today's rates aren't historically high at all? After more than a decade of near-zero rates and easy monetary policy, investors may have become accustomed to an environment that was anything but normal. Lance Roberts & Jon Penn put today's interest rates into historical perspective, examine what higher yields really say about inflation, growth, debt, and deficits, and explain why a 5% long-term Treasury yield may not be the crisis many headlines suggest. We'll also look at what the changing rate environment means for stocks, bonds, portfolio risk, and investors deciding whether weakness in longer-duration bonds is a warning—or an opportunity. 0:00 INTRO 1:04 - Weekly Preview & Treasury General Account Bond Buy Backs 2:04 - Shorting Treasuries & The Hedge Fund Trade 5:37 - Markets Going Thru a Slow-Motion Correction 8:24 - BitCoin Rallies on Bessent Announcement 11:52 - Bonds & Rates: Brake or Break? 19:08 - Rates Are Normal 21:56 - The Primary Determinants that Set Loan Rates (Economic Composite Index) 25:46 - The Effect of Debt on Economy 29:46 - The Negative Multiplier, Measured (Gov't. Debt vs Household Debt) 33:33 - The S&P in 2008? When Markets are Unsustainable 36:58 - $40-trillion (and "Zero") & Shock and Awe 39:40 - Retirees Get Paid to own Treasuries (How Much to Allocate?) 41:57 - Is the Dollar Losing Value? 44:45 - There is Always a Buyer for Debt (Primary Dealers) 47:56 - Fasting w Lance & Christina Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lPCVe6O4LjM ------- Articles mentioned in this report: "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ -------- Watch today's "Before the Bell" report, "Market Correction: Patience Pays," https://youtu.be/w_BcRBJ00Io ------- Watch our previous show, "Is the Basis Trade Distorting Bond Yields?" https://youtube.com/live/UtY2oV1kkXc ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #Bitcoin #MarketCorrection #InterestRates #TreasuryYields #BondMarket #Bitcoin #FederalReserve

Interest rates are rising, long-term bond prices have pulled back, and investors are once again worried that higher Treasury yields could threaten the economy and markets. But what if today's rates aren't historically high at all? After more than a decade of near-zero rates and easy monetary policy, investors may have become accustomed to an environment that was anything but normal. Lance Roberts & Jon Penn put today's interest rates into historical perspective, examine what higher yields really say about inflation, growth, debt, and deficits, and explain why a 5% long-term Treasury yield may not be the crisis many headlines suggest. We'll also look at what the changing rate environment means for stocks, bonds, portfolio risk, and investors deciding whether weakness in longer-duration bonds is a warning—or an opportunity. 0:00 INTRO 1:04 - Weekly Preview & Treasury General Account Bond Buy Backs 2:04 - Shorting Treasuries & The Hedge Fund Trade 5:37 - Markets Going Thru a Slow-Motion Correction 8:24 - BitCoin Rallies on Bessent Announcement 11:52 - Bonds & Rates: Brake or Break? 19:08 - Rates Are Normal 21:56 - The Primary Determinants that Set Loan Rates (Economic Composite Index) 25:46 - The Effect of Debt on Economy 29:46 - The Negative Multiplier, Measured (Gov't. Debt vs Household Debt) 33:33 - The S&P in 2008? When Markets are Unsustainable 36:58 - $40-trillion (and "Zero") & Shock and Awe 39:40 - Retirees Get Paid to own Treasuries (How Much to Allocate?) 41:57 - Is the Dollar Losing Value? 44:45 - There is Always a Buyer for Debt (Primary Dealers) 47:56 - Fasting w Lance & Christina Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lPCVe6O4LjM ------- Articles mentioned in this report: "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ -------- Watch today's "Before the Bell" report, "Market Correction: Patience Pays," https://youtu.be/w_BcRBJ00Io ------- Watch our previous show, "Is the Basis Trade Distorting Bond Yields?" https://youtube.com/live/UtY2oV1kkXc ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #Bitcoin #MarketCorrection #InterestRates #TreasuryYields #BondMarket #Bitcoin #FederalReserve

Markets are working through a slow, controlled correction as seasonal weakness and momentum sell signals pressure the S&P 500 and Nasdaq. With September approaching, investors may be tempted to react as some positions lag while others rally. The key is patience. Corrections are a normal part of the market cycle, and sometimes the best move is no move at all. Plus, Bitcoin's sharp rally has pushed short-term momentum and relative strength to extreme overbought levels. We discuss why taking some profits now, then waiting for a pullback before adding exposure, may help manage risk. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/w_BcRBJ00Io --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #Bitcoin #MarketCorrection

Are Treasury yields still sending investors a reliable signal about inflation, growth, and Federal Reserve policy, or is the massive basis trade distorting the message? Lance Roberts explains how the basis trade works, why it matters for Treasury yields, and whether investors can still trust the bond market as an economic and market signal. 0:00 INTRO 1:02 - Kevin Warsh + Nvidia Report = Volatility? 5:28 - Market Deviations & Bollinger Bands 13:07 - The Basis Trade & Interest Rates 16:17 - What is a Basis Point? 21:31 - Are Interest Rates Really Telling us What's Going on in Markets? 22:42 - What's the Risk/What Happens When Basis Trade Unwinds? 26:47 - Does Kevin Warsh have Enough Time to Fix It? 28:28 - What Happened on Liberation Day 29:39 - What to Do About It 34:29 - The Psychology of Buyers & Sellers: The Houston Housing Market 37:85 - The Index is the Index Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UtY2oV1kkXc ------- Articles mentioned in this report: "The Basis Trade: Is The Bond Market Signal Distorted?" https://realinvestmentadvice.com/resources/blog/the-basis-trade-is-the-bond-market-signal-distorted/ "Investor Psychology Is Sabotaging Your Returns (Chapter 2 of 5)" https://realinvestmentadvice.com/resources/blog/investor-psychology-is-sabotaging-your-returns-chapter-2-of-5/ "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ -------- Watch today's "Before the Bell" report, "Bollinger Bands Are Flashing a Warning," https://youtu.be/HA5OZbl3a4Y ------- Watch our previous show, "The Best Retirement Head Start for Your Kids," https://youtube.com/live/IqyxMopn1Uw?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BollingerBands #Investing #MarketOutlook #PortfolioManagement #BondMarket #TreasuryYields #BasisTrade #FederalReserve

Markets are pulling back toward key moving averages as momentum sell signals emerge across the S&P 500, Nasdaq, small-caps, and mid-caps. Lance Roberts explains how Bollinger Bands and standard deviations can identify overbought and oversold conditions, guide portfolio rebalancing, and help investors determine when to trim positions, raise cash, or look for buying opportunities. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/HA5OZbl3a4Y --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BollingerBands #Investing #MarketOutlook #PortfolioManagement

Are Treasury yields still sending investors a reliable signal about inflation, growth, and Federal Reserve policy, or is the massive basis trade distorting the message? Lance Roberts explains how the basis trade works, why it matters for Treasury yields, and whether investors can still trust the bond market as an economic and market signal. 0:00 INTRO 1:02 - Kevin Warsh + Nvidia Report = Volatility? 5:28 - Market Deviations & Bollinger Bands 13:07 - The Basis Trade & Interest Rates 16:17 - What is a Basis Point? 21:31 - Are Interest Rates Really Telling us What's Going on in Markets? 22:42 - What's the Risk/What Happens When Basis Trade Unwinds? 26:47 - Does Kevin Warsh have Enough Time to Fix It? 28:28 - What Happened on Liberation Day 29:39 - What to Do About It 34:29 - The Psychology of Buyers & Sellers: The Houston Housing Market 37:85 - The Index is the Index Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UtY2oV1kkXc ------- Articles mentioned in this report: "The Basis Trade: Is The Bond Market Signal Distorted?" https://realinvestmentadvice.com/resources/blog/the-basis-trade-is-the-bond-market-signal-distorted/ "Investor Psychology Is Sabotaging Your Returns (Chapter 2 of 5)" https://realinvestmentadvice.com/resources/blog/investor-psychology-is-sabotaging-your-returns-chapter-2-of-5/ "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ -------- Watch today's "Before the Bell" report, "Bollinger Bands Are Flashing a Warning," https://youtu.be/HA5OZbl3a4Y ------- Watch our previous show, "The Best Retirement Head Start for Your Kids," https://youtube.com/live/IqyxMopn1Uw?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BollingerBands #Investing #MarketOutlook #PortfolioManagement #BondMarket #TreasuryYields #BasisTrade #FederalReserve

1044. Are rising healthcare costs ruining your budget? Laura answers a listener's question about how to maximize every tax advantage available for healthcare costs. You'll learn the rules for deducting them on your tax return or paying them with tax-advantaged savings accounts like HSAs and FSAs. We'll cover which expenses are tax-free and simple strategies to optimize your healthcare spending.Key Takeaways:You can only claim the medical tax deduction if you itemize deductions on Schedule A instead of claiming the standard deduction on your tax return.You can only deduct unreimbursed healthcare expenses that exceed 7.5% of your adjusted gross income (AGI), making the medical deduction best for years with high medical bills.Tax-advantaged medical savings accounts are powerful because they allow you to save 20% to 35% on qualified costs without claiming a medical deduction.Health savings account (HSA) balances roll over forever, can be invested for tax-free growth, and can be withdrawn penalty-free for non-medical expenses after age 65 (subject to ordinary income tax).Flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs) are employer-sponsored perks for cutting healthcare costs.You cannot claim an itemized medical deduction on Schedule A for any healthcare expense paid for or reimbursed using pre-tax funds from an HSA, FSA, or HRA.Lawmakers have expanded HSA, FSA, and HRA qualified expenses to cover various over-the-counter (OTC) medications and products.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

Giving your kids a financial head start may be one of the most valuable lessons you can teach them. Richard Rosso & Jonathan McCarty explain how a Custodial Roth IRA can help children with earned income start building tax-free retirement wealth early, while learning the importance of saving, investing, and paying themselves first. We also discuss Roth IRA withdrawal rules, the potential transition from Trump Accounts to Roth IRAs, and how even a lemonade stand can become a lesson in long-term wealth building. Plus, we look back at Wall Street history, the value of financial writing, and why understanding the past can make you a better investor.   0:00 INTRO 0:21 - Magic Mike & $100 Hot Dogs 2:46 - Wall Street Magazines from Days of Yore 4:36 - The story of Richard & Cecilia Wycoff & Wall Street Magazine  10:50 - The best knowledge is history 17:17 - Giving Kids a Head Start on Retirement w Custodial Roth IRA's 19:22 - Benefits of Jump-starting Retirement 21:51 - Getting on the Pay-Yourself-First track 22:56 - Content Creators & Demise of Writing 25:49 - Withdrawing Contributions from Roth IRA's before 59-1/2 27:13 - Converting Trump Accounts to Roth & J. G. Wentworth 29:57 - Money Lessons from Roths & Lemonade Stands Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP  Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IqyxMopn1Uw?feature=share  ------- Watch our previous show, "Is Treasury Bailing Out the Bond Market?" https://youtube.com/live/9qhjXZbxkxs  ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RothIRA #RetirementPlanning #InvestingForKids #FinancialPlanning #RichardWycoff #CeciliaWycoff #WallStreetMagazine

Giving your kids a financial head start may be one of the most valuable lessons you can teach them. Richard Rosso & Jonathan McCarty explain how a Custodial Roth IRA can help children with earned income start building tax-free retirement wealth early, while learning the importance of saving, investing, and paying themselves first. We also discuss Roth IRA withdrawal rules, the potential transition from Trump Accounts to Roth IRAs, and how even a lemonade stand can become a lesson in long-term wealth building. Plus, we look back at Wall Street history, the value of financial writing, and why understanding the past can make you a better investor. 0:00 INTRO 0:21 - Magic Mike & $100 Hot Dogs 2:46 - Wall Street Magazines from Days of Yore 4:36 - The story of Richard & Cecilia Wycoff & Wall Street Magazine 10:50 - The best knowledge is history 17:17 - Giving Kids a Head Start on Retirement w Custodial Roth IRA's 19:22 - Benefits of Jump-starting Retirement 21:51 - Getting on the Pay-Yourself-First track 22:56 - Content Creators & Demise of Writing 25:49 - Withdrawing Contributions from Roth IRA's before 59-1/2 27:13 - Converting Trump Accounts to Roth & J. G. Wentworth 29:57 - Money Lessons from Roths & Lemonade Stands Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IqyxMopn1Uw?feature=share ------- Watch our previous show, "Is Treasury Bailing Out the Bond Market?" https://youtube.com/live/9qhjXZbxkxs ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RothIRA #RetirementPlanning #InvestingForKids #FinancialPlanning #RichardWycoff #CeciliaWycoff #WallStreetMagazine

It's time to look at your business and ensure you are offering what people want to pay for - and how they want to receive it.  Today we're talking about ways you can offer your products and services to stay relevant in 2026 and 2027 to increase your sales.

In today's podcast, I invited Tim Tenbrink, CFP®, back onto the show. Many of the people we serve are not only interested in how to make the most of their retirement, but they're also in a position where they can think about how to use their wealth to make a meaningful difference for the next generation. There are a number of different ways to give to children and grandchildren, and how you give can be just as important as how much you give. Tim and I have several ideas to share with you today that can help you think more strategically about giving and building generational wealth. I know you're going to enjoy this conversation. And as always, the transcript, along with articles, links, and resources, will be available at Sound Retirement Planning. Just visit SoundRetirementPlanning.com and click on episode 479.  

Building wealth isn't about shortcuts—it's about strategy. Adam Coffey, bestselling author, private equity expert, and CEO, shares his proven strategy for buying and scaling companies the right way. In this episode of The Greatness Machine, Adam returns to break down why paying fair market value leads to bigger wins, the power of roll-ups, and why buying strong companies beats chasing distressed assets. With over 58 acquisitions under his belt, Adam's insights are a must-listen for business owners, investors, and anyone looking to scale with integrity. In this episode, Darius and Adam will discuss: (00:00) Introduction and Background of Adam Coffey (05:03) Transitioning from CEO to Consultant (09:59) Key Traits of Successful Entrepreneurs (15:03) Advice for Aspiring Entrepreneurs (19:53) The Impact of Technology and AI on Business (29:51) Navigating Change in a Rapidly Evolving Landscape (34:36) The Future of Autonomous Driving and Insurance (37:19) Navigating Private Equity: The Sparkle Process (39:06) Ethics in Private Equity Transactions (46:47) The Importance of Fair Market Value (51:01) Eliminating Risk for Entrepreneurs (56:18) Believing in Yourself: The Key to Greatness Adam Coffey is a visionary empire builder, CEO coach, and top 1% speaker with three #1 bestselling books. As a founding partner of CEO Advisory Guru, he provides expert consulting to PE portfolio companies, founders, family offices, and elite executives. With over two decades as a CEO, he led three national private equity-backed service companies, generating billions in value and averaging 5X MOIC at exit. A Forbes Business Council member since 2021, Coffey specializes in growth strategy, M&A, and exits. A proud U.S. Army veteran and pilot, he and his family reside in Texas. Listen: 228 | Adam Coffey | Empire Builder: Strategies for Thriving in the World of Private Equity Connect with Adam: Website: https://adamecoffey.com/ LinkedIn: https://www.linkedin.com/in/adamecoffey/ Twitter: https://x.com/AdamECoffey1  Books: https://www.amazon.com/stores/author/B07NLL55ZC  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness. 

This episode of Property and Paper Live explores what Dawn calls the Landlord Liberation Method—using seller financing and installment sales to help longtime landlords turn rental property equity into ongoing income while potentially deferring a significant portion of their capital gains taxes. Dawn walks through a real-world example of a landlord who bought a rental for $50,000 that's now worth $250,000 and compares the potential tax impact of selling for cash versus taking 20% down and carrying the remaining balance. She also discusses why understanding the connection between real estate, seller financing, and the secondary note market opens up creative possibilities that many landlords, investors, and real estate professionals simply don't know exist.

5 Ways to Save Money + 5 Ways to Find Extra Cash for Your Home Think creating a home you love has to cost thousands of dollars? Think again. In today's episode, I'm sharing 10 practical strategies that can help you decorate your home without blowing your budget. The truth is, having a beautiful home isn't always about making more money—it's often about making smarter decisions with the money you already have. We'll cover five ways to spend less when decorating and five simple ways to free up extra cash so you can finally buy that rug, lamp, artwork, or piece of furniture you've been dreaming about. If you're decorating one room at a time, working with a tight budget, or simply want to be more intentional with your spending, this episode is for you. In this episode, you'll learn: 5 Ways to Save Money While Decorating Why every decorating project should start with a plan before you spend a single dollar. Simple DIY projects that can give you a custom look for a fraction of the cost. How shopping secondhand can help you find high-quality pieces with character. The best times of year to shop for furniture and home décor so you never pay full price. How Google Alerts, price tracking, and cash-back apps can quietly save you money on purchases you were already planning to make. 5 Ways to Put More Money Back in Your Wallet Sell items you're no longer using on Facebook Marketplace. Host a garage sale and turn clutter into decorating dollars. Press pause on one small splurge for a season and redirect those savings toward your home goals. Try a "no-spend month" to build momentum and see how quickly your decorating fund grows. Meal plan, use coupons, and reduce food waste to create extra room in your monthly budget.   ✨✨THE COZY HOME WORKSHOP ✨✨ 3 Steps to Creating a Home you Can't Wait to Come Home To September 9 - 11th 9:00am PST | 10:00am MST | 11:00am CST | 12:00pm EST  Register for The Cozy Home Workshop   // Other Important Links : // Become a Design Bestie by joining the newsletter: https://bit.ly/designbestie Email: https://figandfarmathome.com Instagram: https://www.instagram.com/figandfarm/ FREE Facebook Community: https://www.bit.ly/design101group  

I'm sharing the seven habits I would quit first if I wanted to lose weight and keep it off, including the biggest mistakes that keep your body stuck in fat storage mode. Learn how protein, healthy fats, blood sugar, gut health, stress, sleep, and metabolism work together to create lasting weight loss without relying on severe calorie restriction or willpower.GET A CUSTOMIZED WEIGHT LOSS PLAN:Have a free 1-on-1 call with our Expert Nutritionists

Back-to-school exhaustion isn't just about long hours or a heavy workload! In this episode, we explore the surprising reason behind back-to-school fatigue and explain how a lack of automaticity creates extra mental strain. We also share practical systems that help you build external structure, reduce decision fatigue, and free up more of your energy to focus on connecting with your students during those critical first weeks of school.Prefer to read? Grab the episode transcript and resources in the show notes here: https://www.secondstorywindow.net/podcast/back-to-school-teacher-exhaustion/Resources:Preorder our book Structure and Spark (and get bonuses!)The Smallest of Joys by Diane ShifferWhen Gavin Met Stacey by James Corden and Ruth Jones Travel tissuesMildlinersTell Try Tally Talk SlidesProcedures & Routines Planning Guide and ChecklistJoin The Teacher Approved ClubConnect with us on Instagram @2ndstorywindowShop our teacher-approved resourcesJoin our Teacher Approved Facebook groupLeave a review on Apple Podcasts!Leave a comment or rating on SpotifyRelated Episodes to Enjoy:Episode 77. 3 Reasons Why a First Day of School Script Will Save Your SanityEpisode 144. How to Plug-And-Play Your First Day of School PlansEpisode 215. Here's EXACTLY What to Do in the First 20 Minutes on the First Day of SchoolEpisode 143. The Easiest Back to School TipEpisode 270. The Smart Way to Tackle Your Back to School To-Do ListEpisode 154. 5 Steps for Classroom Procedure Success

I'm explaining why counting calories alone has never been the key to lasting weight loss, and how hormones like insulin determine whether your body stores fat or burns it. Learn the simple nutrition, metabolism, and lifestyle signals that unlock fat burning, reduce cravings, and help you lose weight without relying on willpower alone.GET A CUSTOMIZED WEIGHT LOSS PLAN:Have a free 1-on-1 call with our Expert Nutritionists

We've learned the hard way that panic-prepping for back-to-school season isn't the answer. It can leave teachers feeling exhausted, overwhelmed, and still unprepared. In today's episode, we introduce our simple three-step Overwhelm Buster to help you take back control! Join us as we talk through practical ways to calm your nervous system, prioritize the tasks that matter most, and create a realistic plan so you can start the school year feeling calmer, more confident, and ready for your students.Prefer to read? Grab the episode transcript and resources in the show notes here: https://www.secondstorywindow.net/podcast/back-to-school-teacher-stress-2/Resources:Grandma Gatewood's Walk by Ben MontgomeryPiles card gamePreorder our book: Structure and SparkJoin The Teacher Approved ClubConnect with us on Instagram @2ndstorywindowShop our teacher-approved resourcesJoin our Teacher Approved Facebook groupLeave a review on Apple Podcasts!Leave a comment or rating on SpotifyRelated Episodes to Enjoy:Episode 143. The Easiest Back to School TipEpisode 270. The Smart Way to Tackle Your Back to School To-Do ListEpisode 194. Want a Smoother Back to School? Do These 5 Things NowEpisode 154. 5 Steps for Classroom Procedure SuccessEpisode 201. 20 Easy Back-To-School Teacher Tasks You Can Totally Do from the Couch

This week's guest shares his journey from working on diesel vehicles in the military to finally purchasing the Cummins truck he'd always wanted. We talk about why he chose a Cummins, the upgrades that transformed it into a dependable 500-horsepower daily driver, the parts he recommends, what he'd do differently, and the future plans he has for the truck. Learn more about your ad choices. Visit megaphone.fm/adchoices

The mattress industry is in chaos, and major brands like Sleep Number are facing bankruptcy. Clark breaks down how the mattress market became incredibly oversaturated and why traditional mattress stores have seen their business models become obsolete. While online shopping and warehouse clubs have revolutionized how we buy beds, the wave of recent bankruptcies poses a risk to consumers. Clark reveals his ultimate rule for buying a new mattress safely. Also, Clark addresses the looming crisis in higher education as federal student loan interest rates spike to 6.5%. With college costs and inflation stretching family budgets to the limit, Clark explains why you should never sacrifice your own retirement savings or saddle your children with a lifetime of crushing debt just to attend a "dream" school. Clark delivers a heavy dose of tough love and practical strategies for parents. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 8, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Buying A Mattress: Segment 1 Ask Clark: Segment 2 Student Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Place To Buy a Mattress - Clark Howard Best Online Banks: Free Checking and High-Interest Savings Accounts Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? How Long Do You Need To Keep Tax Documents? - Clark Howard Education Dept Updates Key Student Loan Guidance In Advance Of July Changes - Forbes NYTimes: Education Dept. Lowers Student Loan Rates for Borrowers in Auto Pay The Trump administration says it is cutting student loan interest. Here are some facts and context The Right Way & Wrong Way to Use a 529 Plan That Doesn't Cover the Full Cost of College Best 529 College Savings Plans By State Trump Accounts: What You Need To Know - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices