Podcasts about Vanguard

Andy and Pavel return to break down the latest developments surrounding the US government's UFO disclosure push.Dan Farah claims another tranche of evidence could arrive within weeks, with “next-level extraordinary stuff” potentially being released before the end of the year. Meanwhile, Dr Phil was reportedly given early access to the latest UFO files alongside a handwritten message from President Trump: “Have fun with this.” Is Dr Phil being positioned as a mainstream messenger for disclosure, or are people reading too much into it?Also discussed: the revised UAP Disclosure Act amendment, the mysterious Reality Transparency Act, David Grusch's rapidly closing 90-day window, Jeff Nuccitelli joining Vanguard, Ross Coulthart's interest in the controversial CARET documents, Chris Bledsoe's fork experiment, billionaire access to alleged UFO secrets, and what may really be happening on the Moon.https://www.youtube.com/@psicoactivopodcast

The government just created a brand new account that hands your kid $1,000 in free money from birth. Here is everything you need to know before you miss the window.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3636: Andrew explains how index funds offer a simple, low-cost way to invest by tracking major market indexes instead of trying to beat them. Learn why these diversified funds have outperformed most actively managed funds over the long term and why investors like Warren Buffett recommend them for retirement savings. Read along with the original article(s) here: https://www.dollarafterdollar.com/what-is-an-index-fund/ Quotes to ponder: "Index funds are great for anyone who wants to invest passively." "Passive fund management tends to lead to better performance in the long term." "Only 13% of around 8,000 mutual funds are able to achieve outperforming the market index!" Episode references: S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ John C. Bogle: https://www.britannica.com/biography/John-Bogle MSCI EAFE Index: https://www.msci.com/indexes/index/990300 Russell 2000 Index: https://www.ftserussell.com/products/indices/russell-us NASDAQ Composite Index: https://www.nasdaq.com/market-activity/index/comp Bloomberg U.S. Aggregate Bond Index: https://www.bloomberg.com/professional/product/indices/bloomberg-fixed-income-indices/ The Vanguard 500 Index Fund: https://investor.vanguard.com/investment-products/mutual-funds/profile/vfiax Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do so many people genuinely want to change... yet continue repeating the same behaviors year after year?   Why do New Year's resolutions fail? Why does motivation disappear? And why do so many intelligent, successful people stay trapped in habits they desperately want to break?   In this episode of The Super Human Life, Coach Frank Rich sits down with transformation consultant, executive coach, and bestselling author Michael J. López to explore the neuroscience behind lasting behavioral change.   Drawing from more than two decades of experience helping Fortune 500 companies navigate transformation, Michael explains why nearly 70% of change initiatives fail—and why the same principles apply to our personal lives.   Together, Frank and Michael bridge the gap between neuroscience, behavioral psychology, and identity transformation, showing listeners why lasting change isn't about trying harder—it's about understanding how the brain actually works.   If you've ever struggled to stay consistent with your goals, break a destructive habit, overcome addiction, or become the person you know you're capable of becoming, this conversation will completely reshape the way you think about personal transformation.     In This Episode You'll Learn Why nearly 70% of transformations fail   The real reason motivation eventually disappears   Why willpower alone is never enough   How your brain is wired to resist change   Why identity matters more than behavior   The neuroscience behind dopamine and habit formation   How to intentionally rewire your brain through difficult experiences   Why mistakes are essential for adult learning and neuroplasticity   The surprising reason your brain actually craves familiarity—even when it's unhealthy   How stress can become one of your greatest tools for growth   Why your environment plays such a powerful role in transformation   How to build resilience by strengthening your brain's "effort center"   Practical strategies anyone can begin using today to create lasting change     About Michael J. López Michael J. López is a transformation consultant, executive coach, keynote speaker, and bestselling author of Change: Six Science-Backed Strategies to Transform Your Brain, Body, and Behavior.   As the founder of Michael J. Lopez Consulting, he has spent more than 20 years helping organizations successfully navigate change across healthcare, technology, energy, financial services, government, and consumer goods. His clients include organizations such as Meta, Vanguard, Clorox, Entergy, Lyft, Compass One, Southwest Gas, and numerous public agencies.   Before launching his consulting firm, Michael served as an Intelligence Officer in the U.S. Intelligence Community and held senior leadership positions at Booz Allen Hamilton, EY, KPMG, Prophet Brand Strategy, and Smiths Interconnect.   Today, Michael combines neuroscience, behavioral science, leadership, and organizational psychology to help individuals and organizations create lasting transformation. He is also a LinkedIn Top Voice with more than 90,000 followers and host of the Top Voice Podcast.   Connect with Michael: Book - https://www.amazon.com/Change-science-backed-strategies-transform-behavior/dp/1955018723/   Website - https://www.michaeljlopez.coach/   Instagram - https://www.instagram.com/michaeljlopez9/   -- Connect with Frank and The Super Human Life on Social Media: Instagram: https://www.instagram.com/coachfrankrich/   Facebook: https://www.facebook.com/groups/584284948647477/   Website: http://www.thesuperhumanlifepodcast.com/tshlhome   YouTube: https://www.youtube.com/channel/UCjB4UrpxtNO2AFtDURMzoKQ  

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3636: Andrew explains how index funds offer a simple, low-cost way to invest by tracking major market indexes instead of trying to beat them. Learn why these diversified funds have outperformed most actively managed funds over the long term and why investors like Warren Buffett recommend them for retirement savings. Read along with the original article(s) here: https://www.dollarafterdollar.com/what-is-an-index-fund/ Quotes to ponder: "Index funds are great for anyone who wants to invest passively." "Passive fund management tends to lead to better performance in the long term." "Only 13% of around 8,000 mutual funds are able to achieve outperforming the market index!" Episode references: S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ John C. Bogle: https://www.britannica.com/biography/John-Bogle MSCI EAFE Index: https://www.msci.com/indexes/index/990300 Russell 2000 Index: https://www.ftserussell.com/products/indices/russell-us NASDAQ Composite Index: https://www.nasdaq.com/market-activity/index/comp Bloomberg U.S. Aggregate Bond Index: https://www.bloomberg.com/professional/product/indices/bloomberg-fixed-income-indices/ The Vanguard 500 Index Fund: https://investor.vanguard.com/investment-products/mutual-funds/profile/vfiax Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3636: Andrew explains how index funds offer a simple, low-cost way to invest by tracking major market indexes instead of trying to beat them. Learn why these diversified funds have outperformed most actively managed funds over the long term and why investors like Warren Buffett recommend them for retirement savings. Read along with the original article(s) here: https://www.dollarafterdollar.com/what-is-an-index-fund/ Quotes to ponder: "Index funds are great for anyone who wants to invest passively." "Passive fund management tends to lead to better performance in the long term." "Only 13% of around 8,000 mutual funds are able to achieve outperforming the market index!" Episode references: S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ John C. Bogle: https://www.britannica.com/biography/John-Bogle MSCI EAFE Index: https://www.msci.com/indexes/index/990300 Russell 2000 Index: https://www.ftserussell.com/products/indices/russell-us NASDAQ Composite Index: https://www.nasdaq.com/market-activity/index/comp Bloomberg U.S. Aggregate Bond Index: https://www.bloomberg.com/professional/product/indices/bloomberg-fixed-income-indices/ The Vanguard 500 Index Fund: https://investor.vanguard.com/investment-products/mutual-funds/profile/vfiax Learn more about your ad choices. Visit megaphone.fm/adchoices

Masterpiece Podcasts: Collection of Chinese Classic Novels

Masterpiece Podcasts: Collection of Chinese Classic Novels

Masterpiece Podcasts: Collection of Chinese Classic Novels

On episode 251 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and Sean Russo are joined by Jonathan Thomas, CEO of American Century Investments, to discuss: the remarkable rise of Avantis Investors, why active ETFs are gaining ground, what it takes to build investment products that can outperform without taking excessive risk, whether AI is creating an earnings bubble, why the market is broadening beyond the Magnificent Seven, and where the biggest long-term opportunities in AI may emerge. Plus, Jonathan shares the story behind American Century's ownership structure, which has directed billions of dollars toward cancer and genetic-disease research at the Stowers Institute for Medical Research—and takes us inside one of the most exclusive celebrity weddings imaginable. This episode is sponsored by Public and Vanguard. Visit https://public.com/compound to learn more. To learn more about Vanguard bonds, visit https://vanguard.com/audio Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Public Disclosure: Paid for by Public Investing. Brokerage services by Open to the Public Investing Inc, member FINRA & SIPC. Advisory services by Public Advisors LLC, SEC-registered adviser. Complete disclosures available at https://public.com/disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

The engineering firm **Deep** has launched **Vanguard**, the first **undersea research habitat** constructed in four decades, to facilitate long-term **human habitation** on the ocean floor. Located in the **Florida Keys**, this innovative station operates at **ambient pressure**, allowing researchers to live and work in a **submerged laboratory** for extended periods without the constraints of traditional diving. By eliminating the need for frequent decompression, scientists can conduct **real-time analysis** of biological samples and more effectively manage **coral reef restoration** efforts. The facility also serves as a specialized **training ground** for the space industry and educators, utilizing a **moon pool** for easy aquatic access. Ultimately, this project serves as a **technological foundation** for a future roadmap of larger, modular habitats designed to explore deeper **marine zones**. Through this enhanced accessibility, the mission aims to inspire **ocean conservation** and provide a permanent base for the next generation of **aquanauts**.http://atlantisseacolony.com/#VanguardHabitat #DEEPVanguard #UnderseaResearch #OceanFloorHabitation #FloridaKeys #AmbientPressure #CoralReefRestoration #SubmergedLaboratory #Aquanauts #SpaceIndustryTraining #MoonPool #ModularHabitats #OceanConservation #NextGenerationAquanauts #OceanExploration #SustainableOceans #FutureUnderwaterHabitats #ColonizeTheOcean

The DTCC processed live production trades involving tokenized stocks, ETFs, and U.S. Treasuries with participation from firms including JPMorgan, Goldman Sachs, BlackRock, and Vanguard. Matt explains why this is one of the clearest signs yet that tokenization is moving beyond pilot programs and into the core infrastructure of U.S. financial markets.The episode also covers Orange Juice's plan to buy cash-flowing businesses and use them as Bitcoin treasury companies, Volvo's latest blockchain experiment, the ethics fight holding up the Clarity Act, and the Senate's unanimous opposition to any pardon for Sam Bankman-Fried. Matt also looks at Europe's post-MiCA compliance problems, Tether freezing $131 million connected to Iranian sanctions, and Visa finally acknowledging that stablecoins may be better suited than card networks for machine-to-machine micropayments.Happy Hodling, Everyone. Hosted on Acast. See acast.com/privacy for more information.

Vanguard just released research showing the most important factor in retirement is not how much you saved. It is how much you withdraw every single year and most people have no idea what that number should be.

Can keeping up with financial news actually make you a better investor—or just make you more confident about making bad decisions? Don and Tom dig into research on how markets react to news, why investors tend to overreact to splashy stories and underreact to boring numbers, and whether sophisticated traders can actually exploit those inefficiencies. Then, a caller nearing retirement asks how to build a conservative brokerage account to bridge the years before Social Security. Plus, the guys compare Avantis global ETFs with Vanguard's Total World Stock ETF, debate the value of factor tilts, and marvel at how quickly investors can pile billions into the latest hot investment idea.00:05 Can financial news make you a better investor?00:52 The illusion of being ahead of the market01:44 Can investors profit from company news?02:42 Are markets really efficient?03:33 What 6.7 million Reuters articles reveal about news04:40 How much financial news is actually predictable?05:06 Why investing based on headlines is a fool's errand06:18 Bad news, numbers, and investor underreaction07:06 Why investors overreact to ambiguous, high-attention news08:10 Investment strategies that ordinary investors can't realistically use09:02 Be skeptical of your reaction to splashy news09:36 Big news isn't always new information10:31 The factor zoo and the cost of complicated investing11:04 Can expensive strategies overcome their fees?12:28 Why diversified investors can mostly ignore the news13:32 Soccer, summer football, and Orlando's forgotten team14:10 Listener call: Building a retirement bridge account15:00 Retirement plans, Social Security, and a future inheritance16:28 How soon will the retirement money be needed?17:10 Matching asset allocation to short-term spending needs18:04 Using bonds and cash for retirement stability19:28 Is it okay to hold bonds in a taxable brokerage account?20:43 A listener puts Don and Tom on his financial Mount Rushmore22:02 Halloween in Celebration and 1,000 pieces of candy22:46 Why did Avantis launch AVTM?23:58 AVTM versus Vanguard Total World Stock ETF24:06 Why Don and Tom prefer AVGE for a one-fund portfolio25:29 The astonishing rise of a semiconductor ETF26:45 Can VT plus AVGV replicate AVGE?27:06 Why a 20% value tilt may not be enough28:33 Factor investing, expenses, and expected returns29:30 Tom returns from Greece and is ready for callsQuestions? Comments? Click!

Why do so many great companies get bought, then deliberately ruined in the name of profit? That mystery is what drove Eric Ries, author of the mega-bestseller The Lean Startup, to write his new book, Incorruptible. Eric has spent 15 years helping founders build companies, and he has watched the best of the industry alongside its dark side: beloved brands acquired and gutted, founders pushed out of companies that still bear their names. In this episode, he unpacks why it keeps happening, and what a rare set of enduring companies do differently. In this Marketing Speak episode, Eric breaks down: ✅ Why learning, not technology, is still the real rate-limiting step in the AI era ✅ Why you can't outsource the hard cognitive work, no matter how good the tools get ✅ The two traits that Costco, Patagonia, Vanguard, and Rolex share despite having nothing else in common ✅ Ethos and integrity: how to give your mission a guardian that outlasts shareholder pressure ✅ Why it's always too early to protect your company's mission, until suddenly it's too late Whether you're starting something new or trying to keep what you've built from being hollowed out, Eric's blueprint for an incorruptible company is worth your time. Tune in! The show notes, including the transcript and checklist to this episode, are at marketingspeak.com/546  

Research says you judge a song in under half a second. So why write an intro at all? On this episode of Switched on Pop, Charlie and Nate kick off their Netflix launch and probe what an intro means in today's musical landscape, alongside special guests like Aaron Dessner (Taylor Swift, The National, Gracie Adams), who helps build the case for intros and reveals the surprising sources that form the opening sounds of Taylor Swift's “cardigan.” CREDITSReanna Cruz: ProducerIris Gottlieb: IllustratorCharlie Harding: Host, Executive ProducerDion Lee: Art DirectorBrandon McFarland: Audio EngineerNick Ripps: Video EditorNate Sloan: HostLissa Soep: EditorZach Tenorio & Jocie Adams: Theme ComposersSwitched On Pop is a co-production of Vox Media Podcast Network, Vulture, and Rock Ridge Productions. Links: ⁠Newsletter⁠ Black Eyed Peas, "Let's Get It Started" Shawn Colvin, “Sonny Came Home” Smashing Pumpkins, “Tonight Tonight” The Cranberries, "Zombie" The Cranberries, "Linger" Carly Rae Jepsen, "Call Me Maybe" Marvin Gaye, "Let's Get It On" Britney Spears, "Toxic" Miles Davis, "Freddie Freeloader" Robyn, "Call Your Girlfriend" The Beatles, "All You Need Is Love" Led Zeppelin, "Over the Hills and Far Away" Beyoncé, "Irreplaceable" Deee-Lite, "Groove Is in the Heart" Missy Elliott, "Get Ur Freak On" Missy Elliott, "Work It" Luis Fonsi feat. Daddy Yankee, "Despacito" Kendrick Lamar & SZA, "Luther" Mariah Carey, "Fantasy" The Who, "Won't Get Fooled Again" Stevie Wonder, "Superstition" The Temptations, "Papa Was a Rollin' Stone" Rick Astley, "Never Gonna Give You Up" Amy Winehouse, "Back to Black" The Supremes, "Baby Love" The Kinks, "Sweet Lady Genevieve" The Beach Boys, "God Only Knows" Erik Satie, "Je te veux" D'Angelo and the Vanguard, "Back to the Future (Part I)" The Chainsmokers feat. Halsey, "Closer" Sabrina Carpenter, "Taste" Benson Boone, "Sorry I'm Here for Someone Else" Stella Lefty, "Boston" Taylor Swift, "Cardigan" The National, "The System Only Dreams in Total Darkness" Taylor Swift, "So Long, London" Gracie Abrams, "Hit the Wall" Noah Kahan, "End of August" Learn more about your ad choices. Visit podcastchoices.com/adchoices

Masterpiece Podcasts: Collection of Chinese Classic Novels

Masterpiece Podcasts: Collection of Chinese Classic Novels

The New Discourses Podcast with James Lindsay, Ep. 213 In the 1960s, a radical Islamic Salafist named Sayyid Qutb wrote a short little radical book called Milestones (https://amzn.to/4bn9hMX) in which he laid out a new vision for what the world usually calls "Islamism" today. That model wasn't just rooted in a backwards-looking radical fundamentalist vision of Islam called Jihadist Salafism as taken up by the Muslim Brotherhood; it was also based directly on Vladimir Lenin's radical model for creating and installing Communism through Bolshevism, particularly Lenin's 1902 booklet called What Is To Be Done? (https://www.marxists.org/archive/lenin/works/1901/witbd/) The prescription is for an ideologically pure radical vanguard to take control and pull the ideology into global dominance, even against its own moderates. In this episode of the New Discourses Podcast, host James Lindsay continues his reading of Milestones in a fourth volume, outlining the nature of this vanguard approach as Qutb explains it in his third chapter and tying it definitively to other radical ideological movements, especially Lenin's Communism. Join him for a very enlightening reading. Join us for the Preserving Liberty Conference at Sea!: https://ndcruise.com Support New Discourses: https://newdiscourses.com/support Follow New Discourses on other platforms: https://newdiscourses.com/subscribe Follow James Lindsay: https://linktr.ee/conceptualjames © 2026 New Discourses. All rights reserved. #NewDiscourses #JamesLindsay #Islam

In this week's episode of the Coin Stories News Block powered exclusively by Ledn, we cover these major headlines related to Bitcoin, macroeconomics, and global finance: Bitcoin bounces to $64K then pulls back — bear market rally or something more? Vanguard wants to hire its first-ever Head of Digital Assets Bitcoin and gold are 2026's worst-performing assets — a historic first The average home went from 50 Bitcoin to 7 — what that tells you about the dollar BIP-110: Bitcoin's biggest governance fight since 2017 ---- The News Block is powered exclusively by Ledn – the global leader in Bitcoin-backed loans, issuing over $11 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. My followers get .25% off their first loan. Learn more at www.ledn.io/natalie  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  ---- Read every story in the News Block with visuals and charts! Join our mailing list and subscribe to our free Bitcoin newsletter: https://thenewsblock.substack.com  ---- References mentioned in the episode: Scott Bessent's "American Economic Statecraft in the 21st Century" Speech U.S. and Iran Exchange Attacks as Tehran Says the Strait of Hormuz Is Closed Bitcoin Rallies Above $64,000 as a Momentum Indicator Turns Bullish The Equal-Weighted S&P 500 Has Recorded 31 All-Time Highs in 2026 Bitcoin and Gold Are 2026's Worst-Performing Major Assets Vanguard Is Hiring a Head of Digital Assets Head of Digital Assets, Personal Wealth — Official Vanguard Job Posting Vanguard Spent Years Fighting Crypto. Now It Is Planning for It Vanguard Oversees ~$12 Trillion as the World's Second-Largest Asset Manager Vanguard by the Numbers: More Than 50 Million Investors Vanguard Refuses to Offer Spot Bitcoin ETFs on Its Platform Vanguard Explains Its Decision to Allow Third-Party Cryptocurrency Funds BlackRock's Bitcoin ETF Generates More Revenue Than Its Flagship S&P 500 Fund Matthew Sigel Highlights Vanguard's Search for a Digital-Assets Leader Matt Hougan on Bessent's Vision for U.S. Digital-Asset Leadership Chart Chatter: It's the Unit of Account, Not the Asset Survey Finds Half of Homeowners Call the American Dream "Eroding" or "Broken" Most Americans Can't Afford New Homes Today ---- Natalie's Upcoming Events: The best time to plan for Bitcoin 2027 is right now. Early bird tickets are live — grab the lowest pricing available and use code HODL for 10% off: https://tickets.b.tc/event/bitcoin-2027?promoCodeTask=apply&promoCodeInput=HODL   ---- This podcast is for educational purposes and should not be construed as official investment advice. Ads in this episode are baked-in and may reference promotions or offers that are no longer available at the time of listening. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories   #money #Bitcoin #investing

If Spencer commissioned today, at 22 years old with everything he learned from 12 years on active duty, what would he actually do with his money? A listener on Instagram asked exactly that, and this episode is the answer: a 13-point playbook for brand new officers and enlisted servicemembers, from your first bank account to the books that will shape your investing philosophy. Plus why "borrow the Career Starter loan and invest it" is less of a no-brainer than the internet claims, and why achieving financial independence might be the worst thing that ever happens to you. Questions Answered If you were starting over as a new military officer, what would you do differently? Should you take the Career Starter loan and invest it? How much should a new servicemember contribute to the Roth TSP? Which lifecycle fund should you pick when you first create your TSP account? How big should your emergency fund be when you're just getting started? How do you change your state of legal residency to a no income tax state? What savings rate is reasonable without sacrificing your 20s? Whose financial advice can you actually trust as a new servicemember? What books should every new officer or enlisted member read? Main Topics Covered The 5-step quick start: military-friendly bank, emergency fund in a HYSA, 5% into Roth TSP, pay off debt, build your savings rate Everybody has an angle: how to filter advice from senior NCOs, Facebook TSP-timing groups, and finance influencers (including Spencer's own credit card affiliate incentive) Why "you gotta buy real estate every PCS" advice may not survive 6-7% interest rates Career Starter loan math: borrowing and investing $36,000 vs. just investing the payments, over 5 years and 40 years Roth TSP setup, the 24-month wait for the 5% match, and the Lifecycle 2075 fund Opening a Roth IRA at Schwab, Fidelity, or Vanguard and starting with VT (Vanguard Total World Stock ETF) LADS investing: low-cost, automated, diversified, simple, and why bonds can wait until your 40s Emergency fund milestones: $1,000, then $5,000, then $10,000 Changing your state of legal residency with DD Form 2058, the 8 no income tax states, and home of record vs. state of legal residency Sustainable savings rates: the ski trip Spencer still regrets skipping as a lieutenant Why financial independence can leave you lost if you sacrifice relationships and experiences to get there Turning your commute into a financial education with podcasts and audiobooks The military financial order of operations, step by step Books Mentioned The Military Money Manual: A Practical Guide to Financial Freedom by Spencer Reese (Amazon or shop.militarymoneymanual.com) I Will Teach You to Be Rich by Ramit Sethi The Psychology of Money by Morgan Housel The Simple Path to Wealth by JL Collins The Little Book of Common Sense Investing by John Bogle A Random Walk Down Wall Street by Burton Malkiel Die With Zero by Bill Perkins Money for Couples by Ramit Sethi Resources Mentioned Free Ultimate Military Investing Course: militarymoneymanual.com Military Financial Order of Operations: militarymoneymanual.com/foo r/MilitaryFinance on Reddit (50,000+ members) and the Military Money 101 prime directive flowchart TSP: tsp.gov myPay for TSP contributions and LES DD Form 2058 (change of state of legal residency) Military-friendly banks: USAA, Navy Federal Credit Union, PenFed Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like the Chase Sapphire Reserve® Card. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Get started with investing (free guide & course) click hereHow I can help you (The Investing Academy) click hereTop broker sign-up offers are hereI hit 12,000 subscribers on YouTube, so thought I'd do a Q&A.This is the first ever Q&A I've done and I'm answering some of your investing questions from Instagram and YouTube.We cover a wide range of topics, including bonds, Stocks & Shares ISAs, SIPPs, Trading 212 vs Vanguard, retirement planning, factor investing, portfolio strategy, and much more.A huge thank you to everyone who has subscribed, watched, commented and supported my YouTube channel and my Podcast. I genuinely appreciate your support!-----------------------------------------

Swan Signal Live celebrated its 250th episode, with Brady reflecting on the show's evolution since 2020 and its early multi-guest format. Brady and Isaiah discussed Bloomberg analyst Eric Balchunas' “too big to fail” thesis, arguing that U.S. equities have effectively become America's national savings account, increasing the likelihood of future government intervention to support stock prices. The conversation explored how the erosion of fiat currency's store-of-value function has pushed savers into financial assets, reinforcing Bitcoin's role as a superior monetary asset. The hosts analyzed Strategy's sale of 3,588 BTC, arguing it was a strategic move to strengthen its case for S&P 500 inclusion rather than a change in Michael Saylor's long-term Bitcoin thesis. They covered delays surrounding the U.S. Strategic Bitcoin Reserve, noting ongoing disputes between government agencies over control while highlighting the lack of meaningful Bitcoin accumulation so far. Brady criticized the growing overlap between politics and crypto, arguing that President Trump's crypto-related business activities have complicated prospects for the CLARITY Act and broader crypto legislation. They reviewed recent ETF outflows alongside aggressive whale accumulation, suggesting experienced Bitcoin holders are buying while institutional ETF investors have been selling during the recent market weakness. The discussion examined Bitcoin miners increasingly allocating computing infrastructure to AI workloads, concluding that the trend is likely beneficial for both miners and the long-term Bitcoin network. Vanguard's search for a Head of Digital Assets was highlighted as another sign that major traditional financial institutions continue moving toward Bitcoin despite previous skepticism. The episode concluded with an overview of Swan's Real Bitcoin Exchange (RBX), explaining how long-time GBTC and ETF holders can exchange into real on-chain Bitcoin while preserving their tax basis. ► For high-net-worth individuals and corporations seeking to build generational wealth with Bitcoin, Swan Private is your guide ✔ https://www.swanbitcoin.com/private?utm_campaign=private&utm_medium=sponsorship&utm_source=podcast&utm_content=swan_signal_live ► Secure your bright orange future with the Swan IRA today! Real Bitcoin, no taxes ✔ https://www.swanbitcoin.com/ira?utm_campaign=ira&utm_medium=sponsorship&utm_source=podcast&utm_content=swan_signal_live ► Secure your Bitcoin with Swan Vault ✔ https://www.swanbitcoin.com/vault?utm_campaign=vault&utm_medium=sponsorship&utm_source=podcast&utm_content=swan_signal_live ► Download the all-new Swan Bitcoin App ✔ https://www.swanbitcoin.com/app?utm_campaign=app&utm_medium=sponsorship&utm_source=podcast&utm_content=swan_signal_live ► Want to learn more about Bitcoin? Check out Welcome To Bitcoin a FREE Introductory course. Learn about Bitcoin in under 1 hour! ✔ https://www.swanbitcoin.com/welcome?utm_campaign=welcome_to_bitcoin&utm_medium=sponsorship&utm_source=podcast&utm_content=swan_signal_live ► Connect with Swan Bitcoin: ✔ Twitter: https://twitter.com/Swan ✔ Instagram: https://instagram.com/SwanBitcoin ✔ LinkedIn: https://linkedin.com/company/swanbitcoin ✔ Threads: https://www.threads.com/@swanbitcoin ✔ Facebook: https://www.facebook.com/SwanBitcoin/ ✔ TikTok: https://www.tiktok.com/@realswanbitcoin

In this Crypto Watercooler episode, Amanda Whitcroft and Tony Edward discuss the CLARITY Act timeline as the Senate returns next week, Strategy's latest Bitcoin sale, Vanguard's search for a head of crypto, Trump Accounts going live with the potential to include Bitcoin, and much more.

Did you ever wonder why so many people didn't get out before the dot-com crash? It's an important question to ask yourself, especially if you believe you'll know exactly when to get out before any potential correction in today's AI and semiconductor stocks.   The reality is that the dot-com bubble burst only 25 years ago. Human nature hasn't changed since then. Investors today are no smarter than investors were back then, and the same emotions that drove the bubble are showing up again. There were four major reasons so many people lost money during the tech bust.   The first was that investors stopped focusing on earnings and price-to-earnings ratios. Instead, they justified sky-high valuations by looking at metrics like website traffic, page views, click-through rates, and the number of "eyeballs" on a screen. The assumption was that if revenue kept growing, profits would eventually follow. Many ignored the reality that businesses also have expenses, competition, and execution risk.   The second reason was FOMO or the fear of missing out. Between 1995 and 2000, the Nasdaq surged roughly 400%. As people watched friends, coworkers, and investors make fortunes on tech stocks and IPOs, more and more money poured into the market. Institutional investors and retail investors alike stopped worrying about valuations. They simply saw stocks going up and didn't want to miss the ride.   The third reason was the belief that "this time is different." You heard it everywhere: "You just don't get it. This is the new economy." Investors argued that traditional valuation metrics no longer mattered because the only thing that counted was gaining market share. Profitability could always come later.   The fourth reason was the assumption that capital would never dry up. Few investors paid attention to where companies were getting their money. Many businesses were surviving on venture capital rather than sustainable profits. When funding slowed and investors became more selective, those companies had no profitable business model to fall back on. Many quickly went bankrupt.   At the peak of the bubble, investors stopped asking basic questions. What am I paying for this company's earnings? What am I paying for its cash flow? In many cases, there weren't any. Yet investors convinced themselves the speculative frenzy would continue indefinitely.   The biggest lesson is a humbling one. We like to believe we'll recognize the top and get out before everyone else. But investors in 2000 believed the same thing. Human psychology hasn't changed, which is why bubbles continue to repeat throughout history.   Don't Build That Data Center in My Backyard The race to build AI infrastructure is running into an obstacle that many investors probably didn't see coming: local communities.   Across the country, residents are protesting and filing lawsuits to stop new AI data centers from being built in their neighborhoods. One of the biggest concerns is something most people never think about, the constant noise. Data centers operate around the clock, with cooling fans, chillers, and backup generators creating a continuous hum 24 hours a day. That may not sound like a major issue until you have to live next to it.   New York has become one of the focal points of this debate. While the state has plenty of available land for development, many communities are pushing back. Governor Kathy Hochul is even considering legislation that would place a moratorium on the construction of large data centers in certain areas.   Public opinion reflects that growing resistance. According to recent polling, 44% of Americans oppose additional data center construction, while only 21% support it. When the question becomes more personal and whether people would support a data center being built in their own community, opposition jumps to 57%, while support falls to just 14%.   Residents also question the long-term economic benefits. Building a data center may create thousands of construction jobs, but once the facility is complete, permanent employment may fall to just 100 to 200 workers. At the same time, these facilities consume enormous amounts of electricity. In some regions served by smaller utilities, a single data center could account for as much as 25% of total power demand, raising concerns about higher electricity costs and increased strain on the grid.   The political landscape is becoming more challenging. Lawmakers in states including Arizona, Illinois, and Ohio have restricted or eliminated tax incentives that were previously used to attract data center investment.   Even the companies building this infrastructure recognize the growing risk. The hyperscalers are expected to spend nearly $1 trillion on AI infrastructure this year, but increasing public opposition could slow those plans. Nebius Group, for example, warned in its 2025 annual report that rising resistance to data center projects in certain communities could become a headwind for future expansion.   Investors have spent a great deal of time focusing on AI demand, chips, and software. However, another risk is emerging that deserves attention: if communities continue saying, "Not in my backyard," the pace of AI infrastructure growth may not be as smooth as many expect.   Is Crypto Weakening One of America's Most Powerful Weapons? One of the United States' greatest geopolitical advantages isn't its military, it's the U.S. dollar.   Roughly 90% of global foreign exchange transactions involve the U.S. dollar. That dominance gives the United States enormous leverage. When the U.S. imposes financial sanctions and cuts countries off from the dollar-based financial system, it becomes far more difficult for them to conduct international trade, finance military operations, or access global markets.   That advantage is beginning to erode. Countries that have long opposed the United States such as Russia, Iran, and North Korea are increasingly turning to cryptocurrencies to bypass traditional financial channels. According to reports, their use of virtual currencies for cross-border transactions surged from roughly $12.5 billion in 2024 to more than $100 billion in 2025.   Crypto gives sanctioned nations another way to move money. It can be used to purchase drones, weapons, military components, and fuel, while also helping finance operations such as smuggling oil and paying suppliers outside the traditional banking system.   North Korea has become one of the world's most aggressive crypto thieves, using hacking and other cybercrimes to steal digital assets that can then be converted into funding for its military and weapons programs.   Part of the challenge is that cryptocurrency wallets are identified by long strings of letters and numbers rather than names. While blockchain transactions are publicly visible, identifying the person or organization controlling a wallet can be extremely difficult without additional intelligence. That makes enforcement of financial sanctions much harder.   Even terrorist organizations such as Hamas have, at times, solicited donations in cryptocurrency, illustrating how digital assets can be used to circumvent traditional financial controls.   This is why I believe cryptocurrency has become more than just an investment story, it has become a national security issue.   If Bitcoin and other cryptocurrencies were to experience a significant decline in value, it would reduce the purchasing power of those holding large crypto reserves, including sanctioned actors that rely on digital assets. While it would not eliminate their ability to use crypto, it could make this alternative financial system less effective and increase the relative importance of the dollar-based financial system.   The stronger the role of the U.S. dollar in global commerce, the more effective financial sanctions remain as a non-military tool of foreign policy. With cryptocurrencies becoming more widely adopted, policymakers will need to consider the risk of weakening one of America's most effective forms of economic leverage.   Even with oil off its recent peak, you still may not see cheaper airline tickets. You might assume that with the decline in oil prices, jet fuel costs are also declining, and airlines will pass those savings on to travelers through lower ticket prices. Oil and jet fuel prices have indeed come down, but don't expect airlines to slash fares anytime soon.   The reason is simple: demand remains strong. Even after airlines raised fares eight times since the start of the conflict in the Middle East, analysts say the average round-trip domestic ticket climbed roughly 19% to about $638 yet demand barely changed. In other words, consumers have shown they are willing to pay higher prices to travel. If people keep buying tickets, airlines have little incentive to lower fares and give up those higher profit margins.   Supply is also likely to remain constrained. Airlines aren't rushing to add flights because keeping capacity tight helps support higher ticket prices. The bankruptcy and downsizing of low-cost carriers such as Spirit Airlines has also reduced competition on many routes, making it easier for the remaining airlines to maintain pricing power.   To be fair, airline pricing should be viewed over a longer time horizon. From 2019 through 2025, overall consumer prices rose about 26%, while average airfares actually declined roughly 3.5%. So, despite the recent increases, airline tickets are still relatively inexpensive compared with the broader rise in inflation over the past six years.   The bottom line is that lower fuel costs alone don't guarantee lower ticket prices. As long as travel demand remains healthy and airlines keep capacity in check, consumers may not see much relief at the checkout screen.   Letting Air Out of the Investment Portfolio Balloon Before It Pops At one point or another, we've all seen a balloon inflated until it finally bursts. The same thing can happen to an investment portfolio.   Watching your portfolio grow is exciting, but every investor knows that markets don't go up forever. The challenge is that no one knows exactly when a portfolio has become too inflated. One of the biggest reasons investors refuse to sell is simple: they hate paying taxes. Believe me, I dislike paying taxes just as much as anyone else. But you should never let the tax bill dictate your investment decisions.   Sometimes the smartest move is to relieve some of the pressure in your portfolio before the market does it for you. There are two simple ways to accomplish this: trim oversized positions and sell investments that have become significantly overvalued.   The first strategy is reducing concentration risk. If you review your portfolio and discover that a single stock has grown to 10% or 12% of your total assets, it may be time to trim that position back to 7% or 8%. Yes, you'll likely owe capital gains taxes, but you'll also be reducing the risk that one investment can have an outsized impact on your portfolio if it suddenly declines.   The second strategy is selling investments that have exceeded your target price and can no longer be justified based on their fundamentals. If the valuation has become stretched and the company's earnings outlook no longer supports the stock price, it may be time to take profits. Again, you'll probably owe taxes on the gain, but remember that capital gains are generally taxed at favorable rates. More importantly, paying a 20% or 25% tax on your profit is often far less painful than watching the entire investment lose 20% or more in value. That 20% decline occurs on the entire position rather than just the gain.   No strategy is perfect. You may trim a position only to watch it continue climbing for another year or two. That's part of investing. Risk management isn't about perfectly timing the top, it's about ensuring that no single investment or sector can seriously damage your long-term financial plan.   Consistently following a disciplined, conservative approach won't always maximize returns during bull markets, but it can significantly reduce risk over a full market cycle. When the next major correction inevitably arrives, your portfolio should be positioned to withstand it. That makes it far easier to stay invested, avoid emotional decisions, and continue building wealth instead of panic-selling after the damage has already been done.   Successful investing isn't just about finding great investments. It's also about knowing when to reduce risk. Sometimes, letting a little air out of the balloon today is the best way to keep it from popping tomorrow.   Is AI creating the next memory boom... or setting up the next bust? SK Hynix just pulled off the largest foreign ADR listing in U.S. history, pricing its American depositary receipts at $149 and raising $26.5 billion. That isn't just a fundraising event, it is fuel for one of the most aggressive semiconductor expansion plans the industry has ever seen.   The company is pouring money into new factories, equipment, and advanced packaging capacity around the world. In the United States, SK Hynix is building its first manufacturing facility, a $4 billion advanced packaging plant in West Lafayette, Indiana, expected to be completed in 2028.   Back home in South Korea, the spending is even more staggering. SK Hynix plans to invest up to $720 billion expanding memory production, including a $390 billion semiconductor cluster in Yongin. The company has also committed roughly $7.8 billion by the end of 2027 for additional extreme ultraviolet (EUV) lithography machines, the highly specialized tools needed to manufacture cutting-edge HBM chips. These machines cost as much as $400 million each, are in extremely limited supply, and are only produced by ASML. The company is even accelerating its expansion timeline by more than a decade, with four new fabrication plants now expected to be completed by 2033.   The question investors should be asking isn't whether AI demand is real. It clearly is. The real question is whether the industry is repeating a familiar pattern. Memory has always been one of the most cyclical businesses in technology. Every major technology revolution from the dot-com boom, to smartphones, to cloud computing created a surge in demand for memory chips. Manufacturers responded by rapidly expanding production. Eventually supply caught up, prices collapsed, profits disappeared, and investors who arrived late learned just how brutal the memory cycle can be.   Today feels different... but that is often what every cycle feels like while it is happening.   SK Hynix's market value has increased more than sevenfold over the past year as AI infrastructure spending has created a shortage of HBM. Revenue nearly tripled between 2023 and 2025 to roughly $65 billion, and Wall Street expects sales to surge again to approximately $235 billion in 2026.   Those are incredible numbers. But when major memory producers start announcing massive capacity expansions, history suggests investors should at least consider what happens when today's shortage eventually becomes tomorrow's surplus. AI may create years of strong demand for memory, but the semiconductor industry has a long history of building too much capacity just as demand begins to normalize. The opportunity is enormous, but so is the risk if history repeats itself.   Financial Planning: Simple vs Compounding Interest Loans Many people assume that choosing a simple interest loan over a compound interest loan will dramatically reduce the amount of interest they pay, but in most real-world lending situations, the difference is minimal. The reason is that the power of compounding only becomes significant when a balance grows over time because interest is being added to the principal. With most consumer loans, borrowers either make interest-only payments that keep the principal balance unchanged or make payments that reduce the principal over time. In either case, the interest charged during each payment period is based on the outstanding loan balance at that time, not on an ever-growing balance. Since the loan balance is remaining the same or steadily declining rather than increasing, there is little opportunity for “interest on interest” to accumulate. While compounding can become important if unpaid interest is capitalized and added to the loan balance, that is the exception rather than the rule. For most mortgages, HELOCs, auto loans, personal loans, and similar debt, borrowers should focus far more on the interest rate than on whether the loan is described as using simple or compound interest.   Too Many People Are Using Target Date Funds in Their 401(k) For years, we've discussed the drawbacks of target date funds, including their higher fees and one-size-fits-all approach. Despite those concerns, they remain incredibly popular because they are simple and require very little effort from the investor. According to Vanguard, 61% of 401(k) participants invest in target date funds.   On the surface, they sound like the perfect solution. If you plan to retire around 2045, you simply choose the 2045 Target Date Fund and let it manage your investments. The fund automatically adjusts your portfolio over time, gradually reducing your exposure to stocks and increasing your allocation to bonds as you approach retirement.   Many investors don't realize how significant that shift can be. By the target retirement date, a target date fund may hold around 50% of its assets in bonds. The adjustments don't stop there. Reaching the target year doesn't mean the fund is liquidated or that you receive your money. Instead, the fund continues along its glide path and could increase its bond allocation to 70% or even 80% over the following years.   That approach may have made sense decades ago, but retirement looks very different today. Many people will spend 20 years or more in retirement. Over that length of time, maintaining enough exposure to stocks can be critical to helping your portfolio grow and keep pace with inflation. A portfolio that becomes too conservative too quickly may struggle to provide the long-term growth many retirees need.   Another limitation is that target date funds only manage the assets inside your 401(k). They don't take into account your IRAs, brokerage accounts, pensions, real estate, or other investments. As a result, your overall portfolio allocation could end up being far different than what is appropriate for your financial goals.   The convenience of target date funds is appealing, but convenience shouldn't replace planning. A successful retirement requires understanding how your money is invested, estimating what your portfolio could be worth when you retire, and developing a strategy for how those assets will be invested throughout retirement, not just until you reach it.   Is That Really Your Son or Daughter Calling You? You know your children's voices. You talk to them regularly. Then one day you get a frantic phone call from your son or daughter. They tell you they've just been in a serious accident. They need $15,000 immediately or they're going to jail. They tell you exactly how to send the money. Without hesitation, you wire the funds because you want to help your child.   Unfortunately, you have just been scammed by AI. AI-powered scams are exploding. Reports show AI-related fraud surged more than 1,200% in 2025, and at the current pace, losses from AI scams in the United States could reach $40 billion annually by 2027. Another study found that one in four adults has already experienced an AI voice scam.   Your first reaction may be, "That could never happen to me. I don't post anything on social media." But the problem may not be your online presence. It's your children.   Many people regularly post videos on social media, and today's AI only needs about three seconds of someone's voice to create a convincing clone. Once scammers have that sample, they can make it sound like your son or daughter is saying almost anything.   So how do you protect yourself? If you receive an emergency call asking for money, don't panic. Before sending anything, ask a question that only you and your child would know the answer to. Make it something that has never been shared publicly.   For example, ask about a funny childhood memory that only the two of you remember. Don't use information like birthdays, graduation dates, wedding dates, or other facts that could be found online or in public records. Remember with all these data centers there is so much information that is being obtained and saved but used for the wrong purposes.   Even better, establish a family safe word or passphrase today. Choose something simple that everyone can remember but that would never appear online.   If you ever receive one of these calls, ask for the safe word. If they can't provide it, assume it's a scam until you can verify the situation by calling your child directly or contacting another trusted family member.   As AI continues to improve, these scams will only become more convincing. The same technology powering innovation is also giving criminals new tools to exploit unsuspecting families. Stay alert. Verify before you trust. A few extra minutes could save you thousands of dollars and a great deal of heartache.   Is It Boom or Bust for Micron? It is hard to argue with Micron's incredible stock performance. Through July 2, the shares were up 242% year to date and an astonishing 701% over the previous 12 months. Even after recently falling about 22% from their peak, investors are still debating whether the company has much more room to run.   The good news is that Micron has locked in 15 new customers under long-term supply agreements, with some contracts extending as long as five years. Many of these agreements include customer deposits, giving the company excellent revenue visibility and reducing uncertainty over future sales. For investors, that is exactly the kind of stability they like to see.   But every smart investor should also ask: What is the downside?   While those contracts provide a strong foundation, they do not guarantee that demand will remain as strong over the long term. Unless a customer goes bankrupt, the contracts are largely locked in, but technology changes quickly. High prices and limited supply often encourage innovation, and the AI memory market is no exception.   Several companies are developing new architectures that reduce or even eliminate the need for high-bandwidth memory (HBM), which has been one of Micron's biggest growth drivers. As companies search for lower-cost and more efficient alternatives, demand for HBM could eventually soften.   Nvidia also signaled in June that it is redesigning portions of its upcoming Vera Rubin AI platform to use memory more efficiently. While Nvidia remains a major customer for HBM, improvements in memory efficiency could reduce the amount of HBM required per AI system over time.   Meanwhile, newly public chipmaker Cerebras has taken an entirely different approach. CEO Andrew Feldman has said the company's wafer-scale AI chips do not use HBM at all, arguing that it is too expensive and supply constrained. If other AI hardware companies pursue similar designs, it could create additional competition for HBM.   None of this means Micron's growth story is over. The company's long-term contracts provide meaningful protection, and AI demand remains exceptionally strong today. However, investors should remember that today's shortages and premium pricing often inspire tomorrow's technological breakthroughs.   The question for Micron investors is whether HBM remains the industry standard for years to come or whether innovation eventually reduces the need for it. If demand for HBM begins to slow, Micron's remarkable growth could also begin to moderate.   Companies Discussed: Caterpillar Inc. (Ticker: CAT)

Tom's on vacation, but the listener questions are not. In this packed Q&A episode, Don tackles one of the most common retirement dilemmas: if your Social Security and annuity income already cover your expenses, do you still need a traditional emergency fund?From there, the questions keep coming. Don weighs in on what to do with “lazy money” earning only 3%, whether a MYGA is really a better deal than a CD ladder, how to structure a taxable brokerage account for long-term growth, and where to keep nearly $300,000 set aside for a home purchase in the next two to three years.He also takes on a thoughtful question about managing a taxable portfolio for elderly in-laws who need additional income for memory care, and wraps up with a step-by-step explanation of how inherited IRA money can potentially be used to fund backdoor Roth contributions.Along the way, you'll hear why “guaranteed” doesn't always mean what insurance companies want you to think it means, why simplicity often beats ETF overengineering, and why liquidity still matters—even in retirement.0:05 – Intro and why Tom is getting buried in listener questions while on vacation1:14 – Don thanks listeners and mentions Apple featuring Litreading1:58 – How to send recorded questions at TalkingRealMoney.com2:16 – Question 1: Do retired investors still need a six-month emergency fund if Social Security and annuities cover expenses?3:14 – Why Don still favors stable, liquid emergency money even in retirement4:30 – Question 2: What should retirees do with “lazy money” that's earning only about 3%?5:28 – Don's preference for CD ladders over MYGAs and why “guaranteed” doesn't mean risk-free7:33 – Question 3: How should a high-income investor build a long-term taxable portfolio at Vanguard?10:03 – Don's case for simplifying with AVGE or DFAW instead of mixing multiple ETFs11:24 – Question 4: Is a five-year MYGA better than a five-year CD ladder?12:01 – Why Don still leans toward CDs despite the higher MYGA yield and tax deferral pitch14:16 – Question 5: Best place to keep $291,000 earmarked for a home purchase in two to three years14:46 – Money market vs. high-yield savings vs. CDs vs. BND for short-term house money17:04 – Question 6: How to structure a $300,000 taxable portfolio for elderly in-laws who need extra monthly income for memory care18:37 – Why Don would keep lots of liquidity, use only a little equity, and skip muni bonds in a 22% bracket20:50 – Question 7: Can inherited IRA proceeds be used to fund a backdoor Roth for both spouses?22:40 – Don's step-by-step answer, including opening new IRAs and watching out for the pro-rata rule25:07 – Don plugs The Line Uncrossed and offers a free one-hour advisor meeting25:42 – Reminder to send questions and be patient while Tom is on vacationQuestions? Comments? Click!

Matt and Nic are back with another week of news and deals. In this episode:  Strategy sells $216m worth of BTC Where does Strategy go from here with STRC? Kalshi's case faces the ban of sports contracts in NY TeraWulf signs a massive lease with Anthropic BonkDAO's legal hack Vanguard hires a head of digital assets Kraken wins arbitration against Mazars for de-auditing them in 2022 Vitalik lays out a new four year plan Polymarket's 5 minute BTC markets are being manipulated Content mentioned: Settlement Manipulation in Prediction Markets  

Vanguard Records is best known for its eclectic catalog of pivotal jazz, folk, rock and blues recordings by iconic artists like Joan Baez, Linda Ronstadt, Buddy Guy, Charlie Musselwhite, John Fahey, Buffy Sainte-Marie, Doc Watson, Country Joe and the Fish and countless others. Most recently, Vanguard has carried forward the label's legacy of artistic excellence with a diverse roster including Barenaked Ladies, Indigo Girls, O.A.R. and Collective Soul.Riding the tail end of the popular boom of  commercialized  Folk Music, Vanguard's unexpected mega-hit "Walk Right In" soared to the top of the pop chart.  Looking for a long forgotten treasure to mine, Erik Darling and Bill Svanoe, doing what many had done before them, updated an old string band tune, composed by Gus Cannon and recorded with his Jug Stompers in 1929. They arranged it for TWO 12-String guitars (one of which, a leftie model, had to be specially constructed  for Bill), and adding the mellifluous tones of Lynne Taylor to complete the trio, the magic concoction was brewed to MOR perfection.And, just in time for Gus Cannon, too!  He had recently pawned his banjo to pay his heating bill, and the royalties and national recognition breathed new life into a long dormant career.

Welcome to Day 7 of our Podcast Workshop! We are officially a week into this journey, and tonight we are hitting the core reason this workshop exists: to fix the broken channels of communication in our communities. Traditional networks have become heavily consolidated sites of control, and we are here to show you how to take your voice back through decentralized media.A massive part of that conversation means looking directly at the financial structures behind major digital platforms. In this episode, we break down the immense footprint of asset managers like Vanguard, BlackRock, State Street, and Fidelity. We discuss how they use proxy voting shares and why we are encouraging everyday parents and investors to open a polite, constructive dialogue with them about what true corporate citizenship means in the digital age.Key Takeaways From the Episode: Who Am I? A brief look into my 30-year wellness journey, my businesses (Clarity with Vibrations, LLC and The Guided Grace Wellness), and how my Native American roots inspire my unshakeable belief that we can heal our communities by changing how we talk to each other. The Hollywood-China Funding Collapse: A deep dive into the hidden economics of entertainment. We expose how a sudden clampdown on international capital flight completely eliminated Hollywood's marketing safety nets. With traditional budgets gone, studios shifted the burden directly onto the artists—forcing cash-poor celebrities and musicians into the "Outrage Economy" where they must act as literal internet trolls just to trigger algorithms and secure free publicity.Inside the Podcast Workshop Framework:Beyond the big-picture discussion, we dive into the practical, hands-on strategies taught in this session to help you launch your own platform: Overcoming Mic Shyness: How to move past the "deer-in-the-headlights" freeze, silence your inner critic, and let your natural, authentic voice take over the second the record button turns red. The "No Budget" Equipment Guide: Demystifying the gear trap. We break down the "Authenticity Rules" framework, showing you why a simple smartphone or a pair of basic earbuds is plenty to start. The Environment Hack: Easy, free acoustic tips to get pristine human speech—like recording in a walk-in closet surrounded by soft fabrics—without spending money on expensive studio foam.Stop waiting for permission, a massive budget, or a shiny studio. Use the tools you have, speak your truth, and let's build our own network together.Enjoyed the episode? Don't forget to hit Follow and leave a 5-star review!

The subsea technology company DEEP recently reached a significant milestone by installing Vanguard, a sophisticated underwater habitat, on the seafloor of the Florida Keys. This installation represents the first project of its kind in the United States in four decades, signaling a new era of sustained human presence beneath the waves. Positioned at a depth of 56 feet, the vessel acts as a specialized laboratory for marine science, climate research, and ecological restoration efforts. The facility is designed to house a crew of four aquanauts for extended missions, allowing researchers to study coral reef health with unprecedented continuity. Beyond its immediate scientific goals, this pilot project serves as the foundational ocean infrastructure for future large-scale modular habitats. By successfully transitioning from engineering to operation, the mission aims to fundamentally expand human access to the underwater environment.http://atlantisseacolony.com/#DEEP #VanguardHabitat #UnderwaterHabitat #FloridaKeys #Aquanauts #MarineScience #CoralReef #ClimateResearch #EcologicalRestoration #OceanInfrastructure #ModularHabitats #Seafloor #OceanExploration #SustainedPresence #UnderwaterFuture #HumanAccess #OceanColonization

Linktree: ⁠⁠https://linktr.ee/Analytic⁠⁠Join The Normandy For Ad-Free NME, Additional Bonus Audio And Visual Content For All Things Nme+! Join Here:⁠⁠ ⁠⁠https://ow.ly/msoH50WCu0K⁠⁠ In this segment of Notorious Mass Effect, Analytic Dreamz delivers a complete Marvel Rivals Season 9 Breakdown covering every key point and all major stats for “The Mystery of Thebes.”Launching July 10, 2026, Season 9 introduces an Ancient Egypt-themed experience centered on Thebes and Apocalypse. Analytic Dreamz breaks down the new Egyptian-inspired Battle Pass “Deaths on the Nile,” the full release of launch hero Jubilee as the 52nd Strategist, and the mid-season arrival of The Hood.Discover Jubilee's healing and blinding kit, firework-based attacks, lethal ultimate, vampire storyline twist, and her role as Apocalypse's Horseman of Famine. Get the latest on The Hood's Vanguard abilities, dual pistols, sword, clones, and demonic form.This episode explores the massive Team-Up system overhaul, including new loadouts with base and enhanced effects for greater flexibility and balance. Analytic Dreamz also details Black Widow's major rework, the new regenerative shield mechanic for mobile heroes, the Thebes map releasing July 23, and how these changes will reshape the meta.Tune in for in-depth analysis, ability stats, story connections to Age of Apocalypse, and everything Marvel Rivals players need to know heading into Season 9.Privacy & Opt-Out: https://redcircle.com/privacy

The Last Trade: Jackson, Michael, and Brian break down Vanguard's surprise listing for a head of digital assets and what TradFi's reluctant capitulation really signals. They dig into Bitcoin's 50% retrace into the $60Ks, why momentum (not Saylor) is driving price, and Bill Miller's case for intrinsic value. They close on the culture downstream of debasement: the socialist moment, a gambling epidemic, and Apple's overnight price hikes.---

Kristen VanGelder, co-chief investment officer at Evanston Capital — a firm that manages hedge funds built out of hedge funds — says that sophisticated money managers have very different sentiments about current market conditions than Main Street investors, noting that where average investors are showing lousy sentiment numbers, sharpies are leaning into the market's increasing "dispersion" and the ability to play one thing against the next to turn volatility into profits. She says that global macro investors "have the glimmer in their eye," because the pressure of war and a complicated global inflationary picture are creating opportunities beyond what investors can fund sticking with fundamental investing domestically. Todd Rosenbluth, head of research at VettaFi, goes away from his long-running trend of focusing on actively managed ETFs and turns to a new Vanguard high-yield corporate bond index fund as his "ETF of the Week," noting that the ultra-low fees on the fund and the outperformance of the index make it something to consider now.  In the Market Call, Tom Martin, senior portfolio manager for Globalt Investments, discusses his earnings-driven investment style and what to make of the volatile market reactions around perceived "sand-bagging," where companies meet profit projections but the Street doesn't think expectations were set high enough.

Ethics concerns from Senate Democrats remain the biggest obstacle for the upper chamber to pass a crypto market structure bill. Meanwhile, whales are still buying Ethereum ETFs. ~This Episode is Sponsored by OKX~ Trade RLUSD/XRP on OKX + claim the new user offer! Deposit $100 to get $50 ➜ https://bit.ly/OKXRP Use code: paulbarron *Terms Apply* 00:10 Sponsor: OKX 00:50 Tingling feeling 01:10 Scott Melker: Bottom building 02:40 Matt Hougan: Feels like 2019 05:10 BTC in 2019 06:20 ETFs rising 270K BTC in 30days 07:10 Vanguard bends the knee? 08:10 July rally? 08:30 Institution loading up on ETH 09:00 ETH/BTC in 2019 09:45 Robinhood chain ETH Unlock 11:30 Fed blames AI for inflation 12:50 Bloomberg: AI will take time 14:15 CNBC: Inflation vs politics 16:15 CNBC: The market vs the fed minutes 17:10 BOJ precursor? 17:45 Iran's leverage 18:20 Strategy earnings 18:45 CLARITY mess #crypto #bitcoin #ethereum ~Institutional Buying Spree?

Tonight is a powerful double-header on The Second Act Executive! It is our signature weekly podcast night for our global community, alongside Day Six of our 30-Day Intensive Podcast Workshop. In this episode, host Tawnie Wolf tackles one of the greatest hurdles every creator faces: mic shyness. Whether you are an executive stepping into your prime or a business owner over 60 looking to claim your equity, your voice is a digital asset that nobody should be allowed to silence.Tawnie blows the doors open on the illusion of "seamless" big-budget podcasts, shares how she pushes through her own natural shyness every single time she hits record, and highlights raw, authentic podcasters who model true freedom of speech on air.Inside this episode, we cover: The Lunchtime Recap: Breaking down a kitchen triumph (Signature Vegan Eggplant No-Parmesan) and looking at the undeniable power of macro-capital giants like Vanguard, BlackRock, Fidelity, and State Street. Online Gatekeepers & Accountability: A serious look at the hostile environments allowed by major platforms, how it impacts investors and families, and how to hold institutional leadership accountable (featuring direct contact info for State Street's Chief HR and Citizenship Officer, Kathryn Horgan). Classroom Track (Day 6 Masterclass): Breaking down physical vocal exercises, breathing frameworks, and the vital mindset shifts needed to help you sound like you on air. Day 6 Homework: A raw, unedited, 2-minute challenge designed to prioritize authenticity over perfection.Your second act isn't the end of your story... it's exactly where the best chapters begin. Tune in, do your research, protect your peace, and learn how to build a stage that belongs completely to you.Connect with Tawnie: Join the 30-Day Podcast Workshop Intensive by dropping the word “WORKSHOP” in the comments or DMs on social media. Catch the daily Lunchtime Quickie with Tawnie every afternoon for punchy, mid-day food for thought!

Many people in this country don't have access to reliable financial guidance — so they're increasingly asking a free chatbot instead. The problem? A general-purpose model trained on Reddit threads inherits Reddit's appetite for risk, and now that skew shows up in the conversations people are having about their money. In this new episode of One Vision Podcast, Alisha Chowdhury, Founder of Kiro Money, joins Theodora Lau to argue that the same technology, pointed with different intentions, can do the opposite: close the advice gap instead of widening it.Alisha traces the origin of Kiro back to a socioeconomically diverse Bangladeshi community in New Orleans — the "aunties and uncles" who taught her immigrant parents how to navigate an unfamiliar financial system — and to the University of Pennsylvania, where she saw real wealth and learned how it's built for the first time. After years as an investor at Vanguard and in private equity, she left for an MBA in London and started building the earliest version of Kiro: a low-code, RAG-based coach fed only sources she trusted. "Not garbage in."Today Kiro is an embedded financial intelligence layer that lets a bank or investing platform drop a context-aware AI coach directly into its own app, so users get guidance where their data and their relationship already live. A conversation about financial inclusion, the advice gap, and what it takes to build AI for money that people can actually trust. Because when it comes to money, trust has to be earned — and tested.

Grab your lunch and lean in close, darling, because this Thursday Quickie is a mature, high-energy check-in built entirely for our sophisticated 55, 65, and over crowd. Today, Tawnie Wolf breaks down why keeping a robust financial portfolio is the ultimate aphrodisiac and explains why passivity is a thing of the past.We are calling out the social media "wellness" hypocrisy, the epidemic of aggressive cyberbullying driving business clients away, and the shifting macro-capital landscapes controlled by institutional heavyweights like Vanguard, BlackRock, Fidelity, and State Street. Tawnie shares why she is holding corporate gatekeepers accountable... listing direct contact details for State Street leadership... and explains why owning your own digital real estate is the only true safety left. Plus, a crucial reminder for all 30-day intensive workshop students to get last night's two-part playbook homework ready before tonight's Day 7 masterclass. Block out the noise, secure your assets, and embrace your full power!

Moon Secrecy and The Vanguard has Arrived #ufo #news   Vanguard Enterprise via Vanguard Enterprise @VanguardEnterpr on X Link: https://x.com/VanguardEnterpr/status/2074215052752695692?s=20 Website: https://www.vanguardenterprise.org/   Tom DeLonge on Coast to Coast via  UAP Juan @planethunter56 on X Link: https://x.com/planethunter56/status/2074695996588867921?s=20   Mike Gold News Nation via Skywatch Signal @UAPWatchers on X Link: https://x.com/UAPWatchers/status/2074840776630997441?s=20  

Moon Secrecy and The Vanguard has Arrived #ufo #news   Vanguard Enterprise via Vanguard Enterprise @VanguardEnterpr on X Link: https://x.com/VanguardEnterpr/status/2074215052752695692?s=20 Website: https://www.vanguardenterprise.org/   Tom DeLonge on Coast to Coast via  UAP Juan @planethunter56 on X Link: https://x.com/planethunter56/status/2074695996588867921?s=20   Mike Gold News Nation via Skywatch Signal @UAPWatchers on X Link: https://x.com/UAPWatchers/status/2074840776630997441?s=20  

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

Paul returns from a two-week Baltic cruise refreshed and ready to dig into the numbers. He opens with a 12-month performance review of the recommended portfolios at Avantis, DFA and Vanguard — Avantis averaged 31.1% across the 10 equity asset classes in the Ultimate Buy and Hold, versus 27.7% at DFA and 26% at Vanguard — and explains why the non-traditional index funds keep outperforming traditional cap-weighted indexes.Paul also revisits Ben Carlson's look at the ARK Innovation ETF (ARKK), which grew to $30 billion under management before falling 65% while the S&P 500 gained more than 60% — a costly lesson in performance chasing, with an estimated $7.5 billion in shareholder losses.Then Paul answers 12 listener questions, with a special deep dive into table G1B — 56 years of S&P 500 vs. small cap value returns, one year at a time, plus every combination in 10% increments.QUESTIONS COVERED1. Funds that match the international and U.S. small cap value asset classes 17:182. Keep investments at Fidelity or move to Vanguard? 18:513. Is the Vanguard money market fund a good long-term emergency fund? 20:194. Pairing the S&P 500 with small cap value — the G1B fine-tuning table 21:465. Why the Four Fund worldwide portfolio uses U.S. small cap value only 31:176. Should geopolitical tension make you cash out? 33:577. Why has small cap value historically produced higher returns? 36:478. Can you get rich from investing? The Rule of 72 and $100 a month 41:519. Is the all-value worldwide portfolio better than the other strategies? (Table H2) 44:0310. Where to find the 10 Fund portfolio allocations 48:3911. Paul's take on DFA's micro cap fund (DFMC) 49:1612. Lump sum or dollar cost average when switching funds in a Roth? 51:57LINKS• Table H2 — Sound Investing Portfolios Comparison (Worldwide All Value)• Table H1a — Sound Investing Portfolios Asset Allocations• Fine-Tuning Table G1B — S&P 500 vs. Small Cap Value• Fine-Tuning Table G1C — S&P 500 vs. SCV, 2025 Returns• Best-in-Class ETF Recommendations

Crypto News: U.S. SEC to propose crypto rule as soon as this month to ease startups, fundraising. Vanguard seeks digital assets chief after years of crypto skepticism. Bitcoin, XRP draw Japanese firms as weak yen drives treasury diversification.

Hello everybody! Welcome back to another Lunchtime Quickie here on The Second Act Executive. I'm your host, Tawnie Wolf, and today's episode packs an absolute punch.We are right in the middle of our live 30 Day Podcast Workshop, where we're exploring what it takes to step out of the corporate comfort zone, embrace entrepreneurship, and build a platform that you own. Whether you're launching a podcast, building a personal brand, or creating a business in your second act, this episode is filled with practical insights and encouragement.But first, we have to talk about lunch.Last night I created what may have become my newest signature plant based recipe: a delicious vegan inspired eggplant Parmesan made completely without cheese, paired with homemade onion rings that turned out to be the best I've ever made. I share the simple ingredients, the crispy batter that made all the difference, and why this meal was so good that I happily enjoyed the leftovers for lunch today. If you love healthy comfort food, plant based cooking, or are simply looking for new meal ideas, you're going to enjoy this conversation.From there, we transition into high level business strategy and financial literacy. If you've ever watched Bloomberg or followed the financial markets, you've probably heard the names Vanguard, BlackRock, State Street, and Fidelity repeated over and over again. Who are these companies? What do they actually do? Why do they own shares in so many corporations? And how can understanding institutional investing help you think differently about your own business, brand equity, digital assets, and long term financial future?Knowledge is power, and today's episode is all about connecting everyday decisions with the bigger picture.Grab your lunch, tune in, and let's get into the facts.Ready to step into your own second act? Join us for tonight's live 30 Day Podcast Workshop as we continue building your voice, your platform, and your future. Drop “WORKSHOP” in the comments of my latest social media post or send me a direct message to reserve your spot.Keep learning, keep creating, and keep showing up.Your second act is exactly where the best chapters begin.

In this special double-feature training for the 30-Day Podcast Workshop, Tawnie Wolf combines Day 4 and Day 5 into a powerful, high-retention episode on building an independent media platform.Before diving into the technical execution, Tawnie shares an urgent advocacy message for everyday creators, business owners, and families. She pulls back the curtain on the real-world digital safety challenges and strange online attachments that prompted her strategic rebrand from B Wellness to Gaia Grace Wellness under her signature company, Wolf Vibrations, LLC. Looking at the digital space through an investor's lens, she highlights the massive control institutional shareholders like Vanguard and BlackRock have over major social media networks, and tracks global entertainment shifts since 2017 to show why independent platform ownership is no longer optional.What you'll learn in this double-feature: Day 4 Deep Dive: How to choose the right foundational format (Solo, Co-hosted, or Interview shows) for a beginner, detailing the creative workload and intellectual property of each. Day 5 Training: The exact mathematical timestamp framework to structure a high-impact, 15-minute "Micro Episode" so you never freeze up or run out of things to say.Tonight's Homework: Choose your core format and sketch your first five-part structural framework. Stop letting algorithms dictate your value. Use your voice, protect your assets, and build something that belongs completely to you.Always do your own research. Follow The Second Act Executive on Spotify, Apple Podcasts, and iHeartRadio.

In this episode, we break down why Strategy's recent Bitcoin sale barely moved the market, why institutional investors are becoming Bitcoin's new marginal buyer, and what Vanguard's move into digital assets signals for crypto's future. We also dive into the massive opportunity in DeFi, why Hyperliquid continues to outperform, and whether Ethereum is finally fixing one of its biggest weaknesses.~~~~~⁠

Welcome to another, of what we hope will become a regular weekly or bi-weekly catch-up between Andy from That UFO Podcast and Pavel from Psicoactivo.In this episode, Andy and Pavel break down the latest major claims from Dr. Eric Davis, including his comments on alleged alien species, Skinwalker Ranch, Roswell, cattle mutilations, the hitchhiker effect and what can or cannot be said publicly.The conversation also digs into the wider state of the UFO topic right now, including Gerb's questioning, Hal Puthoff, Skywatcher, alleged orbs, counterintelligence concerns, the problem of cult-like belief systems, and why so many people in this space seem to be pulling in different directions.Dan Cleary from Others From Another Mother also jumps in for part of the discussion, adding his thoughts on skywatches, CE5-style claims, evidence, and where the community should draw the line between open-mindedness and belief.The show finishes with discussion around Vanguard, Matthew Brown, Dylan Borland, whistleblower support, and what kind of questions the community should be asking next.A loose, honest and wide-ranging UFO roundtable, with plenty of disagreement, humour and big questions.

The Trump administration's plan to create a Strategic Bitcoin Reserve has been complicated by two government departments vying to run it, alongside questions about which has the legal authority to do so. ~This episode is sponsored by Uphold~ Uphold Staking ➜ https://bit.ly/UpholdStakingPB 00:10 Sponsor: Uphold Staking 01:00 Bitcoin reserve confirmed? 01:30 Legal Roadblock 02:00 Not “if” but how 03:40 Scott Melker: no BTC in Trump accounts 05:00 Schwab: Trump account narrative 07:00 Clarity dead signal? 08:10 SEC to step in 08:45 Crypto is not fringe 09:50 BNY Mellon partnering w/US Treasury? 10:50 Vanguard new hire 11:30 HOOD chain metrics 12:00 Samsung 1800% jump 12:45 Hormuz overhang: Second ships hit 13:20 Minutes meeting tomorrow 14:30 Rate Hike Odds 15:10 Charts (BTC, SOL, UNI, JUP) #bitcoin #crypto #Ethereum ~Bitcoin Strategic Reserve Coming?

Many people in this country don't have access to reliable financial guidance — so they're increasingly asking a free chatbot instead. The problem? A general-purpose model trained on Reddit threads inherits Reddit's appetite for risk, and now that skew shows up in the conversations people are having about their money. In this new episode of One Vision Podcast, Alisha Chowdhury, Founder of Kiro Money, joins Theodora Lau to argue that the same technology, pointed with different intentions, can do the opposite: close the advice gap instead of widening it.Alisha traces the origin of Kiro back to a socioeconomically diverse Bangladeshi community in New Orleans — the "aunties and uncles" who taught her immigrant parents how to navigate an unfamiliar financial system — and to the University of Pennsylvania, where she saw real wealth and learned how it's built for the first time. After years as an investor at Vanguard and in private equity, she left for an MBA in London and started building the earliest version of Kiro: a low-code, RAG-based coach fed only sources she trusted. "Not garbage in."Today Kiro is an embedded financial intelligence layer that lets a bank or investing platform drop a context-aware AI coach directly into its own app, so users get guidance where their data and their relationship already live. A conversation about financial inclusion, the advice gap, and what it takes to build AI for money that people can actually trust. Because when it comes to money, trust has to be earned — and tested.

On episode 471 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss: all-time highs in margin debt, the small cap rally, the hyperscaler dilemma, why Micron is up so much, everything is outperforming the Mag 7, concentration is normal, no signs of a recession, rich people everywhere,  the pizza bear market and more. This episode is sponsored by Franklin Templeton and Vanguard. Learn more at https://www.franklintempleton.com/advantage To learn more about Vanguard bonds, visit https://vanguard.com/audio. Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Franklin Templeton Disclosure: Before investing, carefully consider a fund's investment objectives, risks, charges and expenses. You can find this and other information in each prospectus, or summary prospectus, if available, at franklintempleton.com. Please read it carefully. All investments involve risk, including possible loss of principal.  © 2026 Franklin Distributors, LLC. Member FINRA/SIPC. Learn more about your ad choices. Visit megaphone.fm/adchoices

What's the connection between conversations about money and financial literacy? Could the taboo against talking about your salary be fading? And why did Angie's teenage daughter call Vanguard to learn about I.R.A.s? This episode originally aired on January 9th, 2022. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.