Podcasts about Vanguard

Joseph Nguyen discusses the hidden relationship between thinking and suffering—and offers a powerful framework for achieving peace of mind. — YOU'LL LEARN — 1) How to spot and stop negative judgments 2) How to PAUSE overthinking 3) How to beat procrastination with SPA Subscribe or visit AwesomeAtYourJob.com/ep1045 for clickable versions of the links below. — ABOUT JOSEPH — Joseph Nguyen is the author of the #1 international bestselling book, Don't Believe Everything You Think, which has been translated into 40+ languages. He is a writer who helps others realize who they truly are beyond their own thinking and conditioning to live an abundant life free from psychological and emotional suffering. When he's not busy petting his three cats that he's allergic to, he spends the rest of his time writing, teaching, speaking, and sharing timeless wisdom to help people discover their own divinity from within and how they are the answer they've been looking for their entire lives.• Book: Don't Believe Everything You Think: Why Your Thinking Is The Beginning & End Of Suffering (Beyond Suffering) • Website: JosephNguyen.org • YouTube: @itsjosephnguyen — RESOURCES MENTIONED IN THE SHOW — • Study: "A Wandering Mind is an Unhappy One" by Matthew A. Killingsworth and Daniel T. Gilbert • Book: Outwitting the Devil: The Secret to Freedom and Success by Napoleon Hill • Past episode: 429: A Navy SEAL's Surprising Key to Building Unstoppable Teams: Caring • Past episode: 1037: A Better Approach to Chasing Goals: Tiny Experiments with Anne-Laure Le Cunff— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If you're nearing retirement and uneasy about the math, you're not alone. Don and Tom tackle the uncomfortable reality that most near-retirees haven't actually run the numbers—and many won't like what they see when they do. Drawing on Vanguard data and real-world client experience, they break down three practical ways to shrink a retirement gap: working longer (but not necessarily full-time), thoughtfully tapping home equity, and spending less before and during retirement. 0:06 Opening and the retirement gap problem 0:52 Podcast platforms, Apple vs Spotify, and Don's short-story empire 4:08 How TRM ranks among investing podcasts and why that still feels surreal 5:24 Vanguard data: only 40% of near-retirees are on track 6:51 Kids, money, and why retirement math gets uncomfortable fast 7:51 Strategy #1: Working longer (and why part-time can be powerful) 9:41 Purpose, boredom, and the underrated psychology of retirement 10:00 Strategy #2: Home equity as a retirement resource 11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs 13:05 Strategy #3: Spending less—before and during retirement 14:29 Reverse mortgage costs, limits, and real-world implications 17:01 Social Security timing and when immediate annuities actually help 18:40 Inflation risk, fixed income streams, and practical trade-offs 19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings 21:48 Listener Q: Aggressive Roth portfolios intended for heirs 25:30 Listener Q: Washington 529 plans and GET vs traditional 529s 27:32 Listener Q: Quantum computing (short answer: no) 28:59 Sector investing, AI hype, and why diversification wins Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Crazy Wisdom, Stewart Alsop sits down with Javier Villar for a wide-ranging conversation on Argentina, Spain's political drift, fiat money, the psychology of crowds, Dr. Hawkins' levels of consciousness, the role of elites and intelligence agencies, spiritual warfare, and whether modern technology accelerates human freedom or deepens control. Javier speaks candidly about symbolism, the erosion of sovereignty, the pandemic as a global turning point, and how spiritual frameworks help make sense of political theater.Check out this GPT we trained on the conversationTimestamps00:00 Stewart and Javier compare Argentina and Spain, touching on cultural similarity, Argentinization, socialism, and the slow collapse of fiat systems.05:00 They explore Brave New World conditioning, narrative control, traditional Catholics, and the psychology of obedience in the pandemic.10:00 Discussion shifts to Milei, political theater, BlackRock, Vanguard, mega-corporations, and the illusion of national sovereignty under a single world system.15:00 Stewart and Javier examine China, communism, spiritual structures, karmic cycles, Kali Yuga, and the idea of governments at war with their own people.20:00 They move into Revelations, Hawkins, calibrations, conspiracy labels, satanic vs luciferic energy, and elites using prophecy as a script.25:00 Conversation deepens into ego vs Satan, entrapment networks, Epstein Island, Crowley, Masonic symbolism, and spiritual corruption.30:00 They question secularism, the state as religion, technology, AI, surveillance, freedom of currency, and the creative potential suppressed by government.35:00 Ending with Bitcoin, stablecoins, network-state ideas, U.S. power, Argentina's contradictions, and whether optimism is still warranted.Key InsightsArgentina and Spain mirror each other's decline. Javier argues that despite surface differences, both countries share cultural instincts that make them vulnerable to the same political traps—particularly the expansion of the welfare state, the erosion of sovereignty, and what he calls the “Argentinization” of Spain. This framing turns the episode into a study of how nations repeat each other's mistakes.Fiat systems create a controlled collapse rather than a dramatic one. Instead of Weimar-style hyperinflation, Javier claims modern monetary structures are engineered to “boil the frog,” preserving the illusion of stability while deepening dependency on the state. This slow-motion decline is portrayed as intentional rather than accidental.Political leaders are actors within a single global architecture of power. Whether discussing Milei, Trump, or European politics, Javier maintains that governments answer to mega-corporations and intelligence networks, not citizens. National politics, in this view, is theater masking a unified global managerial order.Pandemic behavior revealed mass submission to narrative control. Stewart and Javier revisit 2020 as a psychological milestone, arguing that obedience to lockdowns and mandates exposed a widespread inability to question authority. For Javier, this moment clarified who can perceive truth and who collapses under social pressure.Hawkins' map of consciousness shapes their interpretation of good and evil. They use the 200 threshold to distinguish animal from angelic behavior, exploring whether ego itself is the “Satanic” force. Javier suggests Hawkins avoided explicit talk of Satan because most people cannot face metaphysical truth without defensiveness.Elites rely on symbolic power, secrecy, and coercion. References to Epstein Island, Masonic symbolism, and intelligence-agency entrapment support Javier's view that modern control systems operate through sexual blackmail, ritual imagery, and hidden hierarchies rather than democratic mechanisms.Technology's promise is strangled by state power. While Stewart sees potential in AI, crypto, and network-state ideas, Javier insists innovation is meaningless without freedom of currency, association, and exchange. Technology is neutral, he argues, but becomes a tool of surveillance and control when monopolized by governments.

In this episode we answer emails from Anonymous from New Jersey, James, and Brad.  We answer a donor's six-part retirement plan, from mortgages and liquidity to 403(b) constraints, ETF trading, asset location, asset swaps, and tax‑savvy withdrawals. Then we discuss the risks of staying in an accumulation portfolio for too long and the options for obviating a crash before transitioning. And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapTax Planning Book:  Amazon.com: Tax Planning To and Through Early Retirement: 9798999841599: Garrett, Cody, Mullaney, Sean: BooksBreathless AI-Bot Summary:Ever wonder whether paying down a mortgage before retirement is actually the safest move? We make the counterintuitive case for liquidity first: keep cash flexible during the messy early retirement years, when housing changes, college timelines, and new expenses collide. With a real listener case study, we show how a mortgage can be a tool, not a trap—and why you can always accelerate later once the dust settles.From there we dig into a pain point for many educators and nonprofit pros: weak 403(b) lineups. We break down why insurance-driven menus lag, how to advocate for better providers and funds, and when it makes sense to roll to an IRA for full control. You'll also learn how to keep tracking simple, why monthly check‑ins beat daily dashboards, and how consolidating at a service‑oriented custodian streamlines everything. On execution, we explain why ETFs beat mutual funds for rebalancing speed and precision, plus how to convert Vanguard mutual funds to ETFs without tax surprises.Taxes and withdrawals get the spotlight too. We clarify asset location—shelter ordinary income, let capital appreciation work in brokerage and Roth—and outline “asset swaps” that let you sell what's up while managing tax impact. For those still accumulating, we talk strategy for a smoother glide into a risk parity portfolio to reduce sequence risk, and the trade-offs between earlier protection and maximum growth. We wrap with a market scoreboard across stocks, bonds, gold, REITs, commodities, preferreds, and managed futures, and report on sample portfolios including Golden Butterfly, Golden Ratio, Ultimate, and leveraged variants.If you value actionable, no-nonsense guidance for DIY investors, you'll find ideas you can use right away—whether you're five years from retirement or still building your base. Subscribe, leave a review, and share this with a friend who's wrestling with 403(b) choices or planning a tax-smart withdrawal strategy.Support the show

Vanguard raises admin fees on 403(b) plans (again). CIT 403(b) legislation is back in the news. Equitable hits dubious milestone. New financial term.   April 2025 Admin Fee Increase Et tu, Vanguard pod? Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

The boys, back in town, discuss what they have been listening to. Their list includes four rock and roll hall of famers, three recently departed legends, two underground rap heavyweights, and a partridge in a pear tree. Jay's wing gets clipped as Deon's sampling gets a little out of hand. Get into it.Sonic contributors to the 28th BONUS episode of Lightnin' Licks Radio podcast include: A wealth of treasures from the KPM Archives; the prompt was "50's lounge." Dave Matthews Band, DJ Nu Mark, Jurassic 5, Brothers Johnson. Zach Braff & Natilie Portman. Ice Cube, One Eye. Sleepy Don POSPOTUS, Darling Jula from @soundwavesoffwax. E Street Band. Bruce Springsteen, The Boss-type beats, Bob Dylan, Timothy Chalamet, Paul Walter Houser, Jeremy Allen White, Bon Iver, Cowboy Junkies, Matt "DJ SNAKES" Heller, Pavement. Stephen Malkmus, Lottie's, Talking Heads, R.E.M., Warren Zevon, John Hammond, Endless Scroll podcast, Dua Lipa, Tame Impala, The Beatles, Lil' Yachty, Marvin Gaye, J.J. Fad. Black Circle Radio, Arc of All, The Source of Light and Power, Open Mike Eagle's 'What Had Happened Was' podcast, Chris Rock, Height Keech, Paul Edward Huston, Handsome Boy Modeling School, Dr. Octagon, Dan the Automater, Chris Elliot, Right Said Fred, Beastie Boys, Bee Gees, Kardinall Offshall, Sly Boogy, TikTokker @cgleason22, Dave James, D'Angelo, Questlove, Questlove's recent eulogy of D'Angelo, Prince, The Roots, Dr. Dre & Snoop Doggy Dogg. The Vanguard, DJ Premier, Q Tip. Brian Baumgartner, Blindboy Boatclub, Iggy Pop. Kiss, Ace Frehley, Dick Dale, Phill Most Chill, RUN DMC, Soft Cell, Pet Shop Boys, Human League, Jimi Hendrix, Frank Sinatra, Jimmy Van Heusen & Sammy Cahn, Bobby Darin. And lastly, but certainly not leastly, the lovely sisters HAIM. Our super-secret-special-sonic friends whom we may or may not have even ever met include Miranda Reinert, Mitch Anderson, Open Mike Eagle, and Prince P-p-p-paul.Sonic suggestions, what we have been funkiing with: Deon – Cowboy Junkies by way of Bruce Springsteen, Lottie's, D'Angelo, and Phill Most ChIll. Jay – New old R.E.M., Warren Zevon, Ace Frehley, and Soft Cell. Miranda – Tame Impala (w HAIM).Mitch – Sweetwater, not the 90's grunge act but the 60's psychedelic folk oufit.Mike and Paul – Doctor Octagon by way of Handsome Boy Modeling School.HEAR the full uncut mixtape HERE.(1) Sweetwater - In a Rainbow (2) Phill Most Chill - I'm (3) Warren Zevon - The Worrier King (4) Ace Frehley - What's on Your Mind? (5) Lottie's - The Cut.(1) Cowboy Junkies - My Father's House [outtake] (2) D'Angelo and the Vanguard - Another Life (3) Tame Impala and HAIM - 'Cause I'm a Man [Deon's Half&Half remix] (4) R.E.M. - Radio Free Europe [Jacknife Lee remix] (5) Dr. Octagon - Blue Flowers [Prince Paul's It's so Beautiful remix] (6) Soft Cell -Where the Heart is,MERRY CHRISTMAS and HAPPY HOLIDAYS!

The following outlines the introduction of a new subsea human habitat called Vanguard, designed by the engineering organization DEEP, which is set to revolutionize marine biology and the human relationship with the ocean. This habitat allows aquanauts to live at depth under ocean pressure for weeks or months, thereby eliminating the significant time constraints associated with traditional diving and enabling extended research missions. Key figures, including DEEP's Director of Scientific Research, Dawn Kernagis, and others in the marine conservation field, express excitement about the opportunity to conduct long-duration studies on subjects like coral restoration and observe the ocean's natural processes from within. Additionally, the habitat provides a unique environment for studying the hyperbaric effects of pressure on the human body, acting as an analogue for space travel and providing insights into the psychological dynamics of isolation in a high-risk environment.Original article : https://www.newscientist.com/article/2507031-how-aquanauts-will-change-our-view-of-the-ocean/#VanguardHabitat #DEEPVanguard #SubseaHabitat #UnderwaterHabitat #OceanInnovation #HumanAtDepth #SentinelsOfTheDeep #MarineBiology#CoralRestoration #LongDurationDiving #SaturationDiving #HyperbaricResearch #OceanScience #AquanautLife #DeepSeaResearchhttp://atlantisseacolony.com/https://www.patreon.com/atlantisseacolonyhttps://discord.gg/jp5aSSkfNS

Adam Galinsky reveals the core skills anyone can master for more inspiring leadership. — YOU'LL LEARN — 1) The easiest way to uplift the people around you 2) The 15-minute exercise that makes you visionary 3) The quick trick to feeling more confident and powerful Subscribe or visit AwesomeAtYourJob.com/ep1020 for clickable versions of the links below. — ABOUT ADAM — Adam Galinsky is a celebrated social psychologist at Columbia Business School known for his research on leadership, decision-making, teams and ethics. His scientific research—consisting of over 1000 studies published in over 200 scientific articles—has been cited more than 64,000 times. In Galinsky's latest book, Inspire, he weaves together his decades of research and global consulting experience to reveal the science of how to become more inspiring. His TED Talk, “How to Speak Up For Yourself,” has been viewed more than 7.5 million times and his book Friend and Foe, was an audible and eBook bestseller. • Book: Inspire: The Universal Path for Leading Yourself and Others • Study: “The Vicious Cycle of Status Insecurity” • Website: AdamGalinsky.com — RESOURCES MENTIONED IN THE SHOW — • Study: “Considerations of Some Problems of Comprehension” by John D. Bransford and Marcia K. Johnson • Past episode: 279: How to Feel More Alive at Work with Dan Cable — THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we take a stab at predicting The Game Awards, both with winners but also reveals and announcements, with our big bet being Half-Life 3. Katsuhiro Harada announces his  departure from Bandai Namco at the end of 2025. Marvel Rivals shows off Rogue as the newest X-Man character and as a Vanguard that can steal her opponent's moves. Lastly, Netflix didn't consider Warner Bros. Games at all in its offering for the parent company, WB. #tga #thegameawards #halflife3 #tekken #marvelrivals #rogue #netflix #warnerbros #videogames #allyoucangeek #aycg #podcast

The crypto sector has celebrated a lot of policy wins in 2025, but price wise, it has arguably been a year to forget. In this episode of Unchained, Bitwise Head of Research Ryan Rasmussen and Arca Portfolio Manager David Nage join host Laura Shin to discuss the disappointing crypto markets and why their outlook on 2026 is more positive. They also explained why Vanguard's crypto pivot is a huge deal, questioned whether Bitcoin could ever be unseated by privacy coins, and discussed why they don't see the bubble in the DAT market hurting crypto. Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms and no prepayment penalties. They have the lowest rates in the industry at 8.91%, allowing you to access instant cash or buy more Bitcoin without triggering a tax event.  Thank you to our sponsor, Figure! Unlock your crypto's potential today at Figure!  Guests: Ryan Rasmussen, Head of Research at Bitwise David Nage, Portfolio Manager at Arca Previous appearance on Unchained: The LayerZero-Wormhole Contest Shows How to Value a Crypto Business Links: Unchained: Bitcoin Resets Above $90,000, but Can Bulls Keep the Momentum? Bits + Bips: Vanguard's Crypto U-Turn, Tether/MSTR FUD & Picking Future Winners Bits + Bips: Why the Markets Now Have a Bullish Setup Franklin Templeton Rolls Out First Tokenized Fund in Hong Kong Why Every Company Will Have a Stablecoin — and Why One L2 Isn't Enough Grayscale Files to List Zcash ETF What Ethereum Will Look Like When It Implements Its New Privacy Focus Other relevant links: Bank of America Broadens Access to Crypto Funds SEC's Paul Atkins touts 'tokenization' as key to modernizing US markets Larry Fink and Rob Goldstein on how tokenization could transform finance My Highest-Conviction Bet in Crypto Stablecoin payments on Stripe cost 1.5% of the transaction amount. Credit card fees are as high as 3.5%. Less than half of the cost! Bitcoin's “Facebook Moment”  Timestamps:

Don and Tom take a sharp look at Vanguard's surprising new direction, especially the decision to fold annuities into 401(k) target-date funds through lightly regulated collective trusts. They contrast Vanguard's historical simplicity with today's trend toward complexity, comparing costs, structure, and risk across major providers. Listeners call in with questions about Roth conversions, Schwab target-date funds, entering the market after a forced delay, and whether TIPS or buffered ETFs are worth owning. Throughout, Don and Tom hammer home the fundamentals: low costs matter, complexity harms investors, active management rarely pays, and your stock/bond mix—not gimmicks—drives long-term success. 0:04 Opening and setup: Vanguard's recent drift toward complex products 1:03 Vanguard's dominance in target-date funds and why simplicity used to be the point 1:58 Vanguard adding annuities into 401(k) target-date funds — is this helping anyone? 3:11 What does an annuity inside a target-date fund even mean? 4:03 The 25% annuity allocation example and the misleading “8% payout” illusion 5:03 TIAA's role and why annuity costs remain unclear 6:28 Are annuities inside retirement plans a solution in search of a problem? 7:38 The fine print: Vanguard's new collective trusts and weak disclosure requirements 8:20 Why collective investment trusts are lightly regulated and potentially concerning 9:07 Caller: Roth conversions when you're withdrawing to live on — should you stop? 11:32 When Roth conversions lose their benefit and why you need cash for taxes 12:21 Caller: Are Schwab target-date funds worth it in a Roth? (Short answer: No.) 13:31 Why Schwab's higher fees and low international allocation are a problem 14:52 Active management inside target-date funds — unnecessary and risky 16:12 Risk vs. return: Schwab's higher volatility and lower historical performance 16:41 Caller: Missed market gains while transferring funds — how to get back in 18:49 When market discomfort signals a stock/bond misalignment 20:16 Comparing Schwab vs. Vanguard target-date funds over 15 years 21:37 Why lower cost + lower volatility + better return makes Vanguard the clear win 22:02 Should you fear future gimmicks like private credit inside target-date funds? 23:29 Caller PSA: Realizing capital gains in a low-income year 24:06 ETF explosion — 908 new ETFs this year, most using leverage or derivatives 25:29 Why “ETF” doesn't mean good; junk ETFs equal junk mutual funds 26:05 Structural benefits of ETFs and why the market prefers them 27:29 Soccer vs. NFL detour, then back to phone calls 29:07 Listener question from Colorado: Should you buy a TIPS fund? 31:01 Why TIPS rarely add value in diversified portfolios 33:22 TIPS behave more like inflation bets than true inflation protection 34:34 Why simple, short/intermediate, high-quality bonds—and CDs—often do the job 36:17 Caller: What is a buffered ETF, and why does it sound like an annuity? 37:29 Buffered ETFs explained: expensive, complicated, and unnecessary 38:30 Why gimmicks dominate product launches and how they hurt investors Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Simply Money presented by Allworth Financial, Bob and Brian uncover the crucial differences between financial advisors who are just going through the motions and those truly playing offense—actively helping high-net-worth clients reduce taxes, build legacy plans, and take control of their financial futures. Learn the red flags that suggest your advisor may be stuck in the past and the proactive strategies—like Roth conversions and tax-efficient income planning—that can dramatically improve your long-term outcomes. Plus, find out what Vanguard is doing that could make your 401(k) feel more like a pension, when it makes sense to start financially helping your kids now, and how to plan your estate beyond just taxes and probate. It’s a jam-packed show for anyone who wants to stay sharp and plan smarter.See omnystudio.com/listener for privacy information.

As disruption accelerates and AI becomes indispensable, CIOs and technology leaders face a critical question: How do you harness innovation without losing control? In this episode of Gartner ThinkCast, Gartner experts Gene Alvarez and Tori Paulman walk through the Top Strategic Technology Trends for 2026, as debuted at Gartner IT Symposium/Xpo. They explore why the pace of change is faster than ever, and how three new "innovation superheroes" — the Architect, the Synthesist, and the Vanguard — can help organizations build resilience, orchestrate intelligent systems and safeguard digital trust.   Tune in to discover: Why 2026 marks the end of "optional AI," and what that means for your strategy How AI-native development platforms and supercomputing will transform productivity Why multiagent systems and domain-specific language models are key to reducing complexity How physical AI bridges the digital and physical worlds Why preemptive cybersecurity and digital provenance are essential for enterprise protection   Dig deeper: Download the full Top Strategic Technology Trends for 2026 Join us at a Gartner CIO Conference near you Become a client to try out AskGartner for more trusted insights

Advisor's Alpha is Wrong!Vanguard, the King of NO fees, puts out an annual study where they attempt to quantify the value of a comprehensive financial advisor. I can attest to many of the services mentioned, but it is very difficult, if not impossible, to determine the exact % of additional value added those services can provide. In any event, I think Vanguard actually misses the mark on a few of these, particularly because of WHO you are (PFR Nation). I also believe Vanguard fails to include one of the MOST important factors when considering the value of a financial advisor. And yes, I acknowledge that I am a VERY biased source on this topic. However, you might find it surprising where I land on some of the points Vanguard makes.I hope you find it useful!Kevin Resources:Vanguard Advisor's AlphaClick this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

In the season of giving, we're discussing making charitable contributions in 2025 and 2026. Americans are known for their generous donations to worthy causes, but understanding the best ways to give and maximize your tax benefits is key. This episode covers four effective strategies for making charitable contributions, from utilizing Qualified Charitable Distributions (QCDs) from your retirement accounts to cash donations, gifting highly appreciated stock or real estate, and using donor-advised funds. I also break down recent and upcoming tax law changes that impact your ability to itemize and deduct charitable donations, ensuring you avoid common pitfalls and make the most of your generosity. Whether you're planning a gift this year or thinking ahead, this episode is packed with actionable tips to help you give back and plan for a successful retirement.  You will want to hear this episode if you are interested in... [00:00] Charitable giving and tax benefits. [05:01] Managing qualified charitable distributions. [08:03] Charitable deductions and rules changing in 2026. [13:17] Benefits of donor-advised funds. [16:23] Charitable contributions for tax deductions. Four Smart Strategies for Charitable Giving in 2026 Charitable giving is at the heart of American generosity, with billions donated annually to causes that matter. But did you know your generosity can also be a powerful tool in your tax strategy, especially as rules shift for 2026?  1. Qualified Charitable Distributions (QCDs): Tax Breaks from Your Retirement Account If you're 73 or older and taking required minimum distributions (RMDs) from a traditional IRA, a Qualified Charitable Distribution (QCD) can be a game-changer. Instead of taking your full RMD as income (which is taxable), you can direct some, or all, of it straight to a qualified 501(c)(3) charity. This distributed amount is excluded from your taxable income, potentially lowering your tax bill and even your Medicare premiums. But details matter: The money must transfer directly from your IRA to the charity. You can't touch the funds yourself and then donate. The charity must be a registered 501(c)(3). When you receive your year-end 1099-R tax form, it won't indicate how much was a QCD. You (or your accountant) must reduce your taxable income by the QCD amount and annotate "QCD" on your return. Forgetting to do so can result in unnecessary taxes. By leveraging QCDs, retirees not only support their favorite causes but also make the most of their hard-earned savings. 2. Cash Donations: Navigating Itemizing and New Deduction Thresholds Traditional cash donations are an easy way to support charities and reduce taxes, but the benefits depend on your ability to itemize deductions. Until recently, many households in high-tax states struggled to itemize due to the $10,000 state and local tax (SALT) deduction cap. Big change for 2026 - 2029: The SALT cap jumps to $40,000, making itemizing possible for more people. If your itemized deductions, including mortgage interest, medical expenses, property taxes, and charitable gifts, exceed the standard deduction, your donations can reduce your taxable income. In 2026, a $1,000 per individual (or $2,000 per couple) charitable deduction will be available even if you don't itemize. However, your charitable giving must exceed 1.5% of your adjusted gross income to become deductible, creating a new bar to qualify. Careful timing and documentation of donations can help maximize these new opportunities. 3. Donating Appreciated Assets: Stocks and Real Estate If you're sitting on highly appreciated stocks or real estate, donating them directly to charity can deliver a double tax benefit: You avoid paying capital gains tax on the asset's increase in value, and you can also deduct the current market value of your donation (subject to certain AGI limits: 30% for appreciated assets). To qualify: The asset must have been held for at least one year. For real estate valued above $5,000, an independent appraisal is required. Charities get the full value, and you skip the capital gains tax bill. If your donation exceeds the allowed AGI percent, you can carry the excess deduction forward up to five years. 4. Donor Advised Funds: Flexible Giving, Immediate Deductions A Donor Advised Fund (DAF) is a charitable investment account. You can donate cash, stocks, or other assets now and get an immediate tax deduction, but distribute the funds to your chosen charities later, at your own pace. Why use a DAF? It allows for strategic, larger contributions (helpful in years with unusually high income). You enjoy flexibility in choosing and timing your ultimate beneficiaries. Major brokerages like Fidelity, Schwab, and Vanguard offer DAFs, with differing minimum contributions and low-cost investment options. Keep in mind that there are administrative fees (roughly 0.60% on the first $500,000), but DAFs are simpler and less costly than setting up a private foundation. Smart Giving Starts with Smart Planning As 2026 approaches, take time to review your charitable and tax strategy. Whether using QCDs, cash gifts, appreciated assets, or a donor-advised fund, the tax code changes mean new opportunities, and some fresh requirements. Consult a financial advisor to fit these options to your personal circumstances and maximize the impact of your generosity for both your favorite causes and your family's financial wellbeing. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Schwab  Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Crypto racked up some wins this week with Vanguard and Bank of America opening the door for their clients to trade the asset class, though many still wonder why BTC isn't trading substantively higher given all the good news. Our Head of Research, David Duong, remains constructive due to favorable macro conditions but acknowledges that it's hard to identify the marginal buyer at the moment. That said, he still thinks DATs are a meaningful source of demand. Meanwhile, the Fed decision is coming and a rate cut seems to be a lock. But what's the consensus sentiment on the board? How will they interpret recent inflation trends? Fear of hawkish messaging seems to be pervasive. Separately, David and Colin debate the merits of trying to trade the potential nomination of Kevin Hassett to Fed Chair. Finally, we cover Ethereum's latest upgrade and the implications for ETH's price.Speakers:David Duong, CFA - Global Head of Investment Research (X: Dav1dDuong)Colin Basco - Research Associate (X: colin_basco)  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Si te gusta cómo hilo temas en el podcast puedes suscribirte a la newsletter y recibir un artículo cada sábado donde trato la confluencia de Bitcoin con temas más complejos: https://albertomeraupsb.substack.com/ ¿Te interesa la posibilidad de financiar tu vida con bitcoin, sin tener que venderlo? Mírate Firefish para obtener préstamos entre particulares respaldados con bitcoin. Y si tienes un extra de efectivo, también puedes usar su plataforma para rentabilizarlo. Usa el código UPSB o este enlace: https://firefish.io/?ref=upsb Si quieres comprar bitcoin, te recomiendo que uses Bull Bitcoin, la plataforma más transparente y útil para los bitcoiners: Podrás no solo comprar de muchas maneras, también pagar y usar otras utilidades que te gustarán. Código upsb o click en este enlace para descuentos: https://app.bullbitcoin.com/registration/upsb Para cualquier duda sobre todo lo anterior, para comprar guardar o preguntas sobre los sponsors, puedes escribirme a hola@unpodcastsobrebitcoin.com Descargo de responsabilidad: Todo lo discutido en este episodio debe ser considerado como entretenimiento solamente y jamás como consejo de inversión. Nada de lo dicho aquí tiene un propósito de asesoramiento financiero o recomendación.

An incident at a Cinnabon dominated social media over the weekend, and a woman was fired for calling someone a naughty word. Santa won't be happy. The Trump administration suggested a new rule to limit asset management funds, like Black Rock and Vanguard. Then he said "affordability" is a con-job. So, let's do a good Trump, bad Trump. Pope Leo is out there saying that anti-Islamic rhetoric in Europe is xenophobic. The Crusades called. They want their religion back. GUEST: Josh Firestine Link to today's sources: https://www.louderwithcrowder.com/sources-december-8-2025 Let my sponsor American Financing help you regain control of your finances. Go to https://americanfinancing.net/crowder or call 800-974-6500. NMLS 182334, http://nmlsconsumeraccess.org/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://rss.com/podcasts/louder-with-crowder/ FOLLOW ME: Website: https://louderwithcrowder.com/ Twitter: https://twitter.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

Kimberly Brown shares practical steps on how to take charge of your career and steer it with intention.— YOU'LL LEARN — 1) The framework for improving your reputation 2) How to cultivate relationships that advance your career3) How to identify and amplify the one thing that makes you stand outSubscribe or visit AwesomeAtYourJob.com/ep1116 for clickable versions of the links below. — ABOUT KIMBERLY — Kimberly Brown is a globally recognized career and leadership strategist, bestselling author, and international keynote speaker. As the founder and CEO of Brown Leadership®, a premier learning and development firm, she helps mid-career and senior professionals amplify their brands, accelerate growth, and drive performance. Her bestselling book, Next Move, Best Move: Transitioning Into a Career You'll Love, has empowered thousands to take control of their careers with strategy and confidence. She also hosts the Your Next Move Podcast, where she shares actionable insights on career advancement. A trusted expert, Kimberly's work has been featured in The Wall Street Journal, Harvard Business Review, Forbes, CNBC, NPR, and more. Find her online at kimberlybonline.com and brownleadership.com and follow her (@kimberlybonline) on LinkedIn, Facebook, Instagram, and Threads. • Book: Next Move, Best Move: Transitioning Into a Career You'll Love• Website: BrownLeadership.com• Website: KimberlyBOnline.com— RESOURCES MENTIONED IN THE SHOW — • Past episode: 686: How to Make Your Next Career Move Your Best Move with Kimberly Brown• Past episode: 1054: Maximizing Your Pipelines and Funnels of Opportunity with Kara Smith Brown• Tool: ClickUp— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Don and Tom saddle up for a tour through Schwab's “Good, Bad, and Ugly.” They applaud CEO Rick Wurster's warning about the growing overlap between gambling and investing, take a hard look at Schwab's retail-side conflicts and non-fiduciary sales practices, and then recoil at the truly ugly: Schwab's acquisition of Forge Global and its push to open private-company speculation to everyday investors. From there, they field listener questions about crypto's pointless search for a purpose, how to implement a disciplined 5 percent retirement withdrawal strategy, the ins and outs of tax-free Vanguard mutual-fund-to-ETF conversions, and whether a younger spouse should convert a large TSP balance to Roth. It's classic Talking Real Money: skeptical, practical, consumer-first, and mildly exhausted by the Wild West of modern finance. 0:04 Investing as the Wild West and why caveat emptor still defines the industry 0:24 Schwab's role as custodian vs. broker and how they reshaped trading costs 1:14 Schwab's discount-broker origins and institutional dominance 2:37 Free trades, market influence, and why Schwab became the industry's leader 3:52 CEO Rick Wurster's warning about gambling creeping into investing 4:43 Sports betting numbers, prop bets, and why only 5 percent come out ahead 5:54 The “bad”: Schwab retail selling and the fiduciary confusion 6:40 The “ugly”: Schwab buying Forge Global and pushing private-company speculation 7:23 Why private equity is riskier, pricier, illiquid, and over-hyped 8:17 The myth of private companies outperforming public ones 9:22 Why the Wild West persists: weak oversight, self-dealing, and revolving doors 10:48 Listener question: stablecoins, crypto legitimation, and the greater-fool problem 13:00 Currency concerns and why crypto still solves nothing 13:50 5 percent withdrawal strategy: when and how to draw from your portfolio 15:28 Rebalancing, total return withdrawals, and annual cash-flow discipline 16:47 Why withdrawals should follow rebalancing, not lead it 17:56 Vanguard mutual-fund-to-ETF conversions: how they work and why they're useful 20:10 Expense-ratio savings vs. capital-gains distributions 20:55 TSP-to-Roth conversion question: tax-rate timing matters 22:44 Only convert if you can pay taxes from outside savings 23:08 Reminder: free adviser meetings, no sales pressure 24:10 TRM's longevity and approaching episode 2,000 Learn more about your ad choices. Visit megaphone.fm/adchoices

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: Vanguard Ends Ban on Bitcoin ETFs Bank of America Recommends Up to 4% Bitcoin Allocation Larry Fink: "Sovereign Wealth Funds Are Buying the Dip" CFTC Greenlights Spot Trading on Regulated Exchanges Strategy Creates USD Reserve ---- The News Block is powered exclusively by Ledn – the global leader in Bitcoin-backed loans, issuing over $9 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 my new intro to Bitcoin book "Bitcoin is For Everyone": 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: Former Vanguard CEO's Bitcoin Comments Vanguard's Current View on Bitcoin Vanguard Will Allow Bitcoin ETFs on its Platform Bank of America Gives Greenlight to Advisors Larry Fink's Comments on Personal Bitcoin Views  Larry Fink's Comments on Sovereign Funds Fink: Sovereign Wealth Funds Have Been Buyers  Bank of America Expands Crypto Access to Clients Fidelity CEO Abigail Johnson's Comments on Bitcoin  CFTC Allows Spot Trading on Regulated Exchanges NVIDIA CEO Jensen Huang Talks Bitcoin  ProCap Financial Closes Transaction Twenty One Capital Closes Transaction Strategy Creates a $1.4B USD Reserve ---- Upcoming Events: Join us at Strategy World 2026 in Las Vegas, Nevada this February 23-26. Use code HODL for discounted passes: https://www.strategysoftware.com/world26  Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

The macro landscape is shifting fast: the Federal Reserve has officially ended quantitative tightening after draining trillions from global liquidity, then immediately pumped $13.5 billion into markets through an overnight repo — a clear sign of mounting stress. Meanwhile, Bitcoin is reacting sharply as analysts warn that Saylor's leveraged playbook may be backfiring, even as crypto fund inflows rise across Bitcoin, XRP, and Chainlink. Tether faces renewed balance-sheet controversy, and Vanguard , long opposed to crypto is now allowing Bitcoin ETFs on its platform for the first time.

This Friday 5 runs through a week defined by Larry Fink's renewed tokenization push, MicroStrategy's move to eliminate default risk, major wealth platforms finally opening their doors to Bitcoin, and a macro backdrop where liquidity interventions are starting to matter again. It all culminates in a price week that didn't resolve the bear case but made the conversation far more interesting, with volatility returning even if direction hasn't. Headlines include: BlackRock's policy-facing tokenization thesis, MicroStrategy's $1.4B buffer, Vanguard and Bank of America shifting access, and the Fed's early signals on easing.

Niels and Alan explore how a fragile macro regime reshapes systematic investing, from a politicised Fed succession to widening cracks in a debt-laden, equity-dependent economy. A shifting bond landscape, rising capital demands from AI and renewed tariff risks challenge the old 60/40 orthodoxy. Listener questions on US policy shocks and the Yen carry trade open a deeper look at when trend helps and when it hurts. The episode culminates in a world exclusive of SocGen's 2026 index changes and the first public reveal of Alan's new paper: The Regime-Adaptive Portfolio, for genuinely resilient, opportunity-aware global wealth compounding intelligently, prudently over the decade ahead.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Alan on Twitter.Episode TimeStamps:00:00 - Voiceover and introduction to the Systematic Investor Series00:23 - Niels and Alan open, what is on their radar this week01:27 - Fed succession as a political risk factor and betting markets03:33 - Crypto moves, Vanguard's platform shift and MicroStrategy index pressure05:53 - Listener questions: can constant US policy shocks break trend?06:33 - Trouble for trend or just another regime to endure and adapt to08:55 - Short-term CTAs, Liberation Day and when speed becomes a handicap11:11 - How CTAs are positioned for a yen carry unwind and JGB nuances12:16 - November trend update, five straight positive months and short-term pain13:35 - World exclusive: new SocGen CTA and...

Contrast between today's macro backdrop and the 2021 Bitcoin peak, with tighter liquidity, higher rates, and far stronger structural support for BitcoinCory's base case: no classic 80% “crypto winter” drawdowns anymore and a strong chance of new all-time highs in 2026John's “yearly lows” chart framing: rising annual Bitcoin floors as proof of real accumulation and diminishing panic sellingLarry Fink, Harvard, sovereign wealth funds, and major banks (BofA, Vanguard, Schwab, Citi) as long-term Bitcoin buyers, not momentum touristsDiscussion of CFTC-approved spot Bitcoin trading on designated contract markets as another on-ramp for pensions and endowmentsBig critique of prediction markets and “scambling” (scam + gambling) as an extractive, nihilistic, fiat-era attempt to financialize everythingCory and John argue that crypto casinos, meme coins, and prediction markets are a giant gambling funnel that ultimately pushes people toward Bitcoin's seriousnessBitcoin and energy: riffing on Elon Musk and Jensen Huang's comments about Bitcoin turning stranded or excess energy into a universal monetary batteryMicroStrategy's new USD reserve is framed as a cosmetics move to soothe institutions and make their Stretch preferreds more attractive, not a change in core strategyCory pushes back on “Operation Chokepoint 2.0” de-banking narratives, distinguishing between true systemic exclusion and individual risky accounts being dropped Swan Private helps HNWI, companies, trusts, and other entities go beyond legacy finance with BItcoin. Learn more at swan.com/private. Put Bitcoin into your IRA and own your future. Check out swan.com/ira.Swan Vault makes advanced Bitcoin security simple. Learn more at swan.com/vault.

Jakob Oftebro (Black Crab, Lillyhammer) joins Son of a Binge host Reshma Gopaldas to talk all about his role as media mogul, Jan Stenbeck in Vanguard, which is being hailed as the Swedish Succession. Imagine if Kendall Roy, Shiv Roy, Roman Roy, and Connor Roy were actually competent. What'd you get is Jan Stenbeck. Based on the true story of the Stenbeck family empire, Oftebro leads the cast.Vanguard is streaming now on Viaplay.Also starring: Zoe Boyle (Merrill McCloud), Irene Lindh (Märtha Stenbeck), Malin Crépin (Margaretha af Ugglas), Julia Marko Nord (Elisabeth Silfverstolpe), Iggy Malmborg (Oskar), Nils Wetterholm (Marcus).Son of a Binge production credits:Hosted by: Reshma Gopaldas (TW: @reshingbull, IG @reshmago)Artwork by: Laura Valencia (IG @iamlauravalencia)Music by: Kevin Calaba (IG @airlandsmusic)Show Description (from Viaplay):Vanguard tells the story of an unlikely media mogul and trailblazer of technological reform, torn between passion and duty. It's a tale of fearless entrepreneurship, a desire to change the world — and a sibling rivalry in a powerful family fractured by old wounds. At 35, Jan Stenbeck appears to have it all: a prestigious career at Morgan Stanley, a glamorous life in New York, and a budding romance with American socialite Merrill McCloud. But when tragedy strikes his family in Sweden, he's suddenly thrust into a leadership role at Kinnevik, the family's industrial empire. Armed with bold ideas from the U.S., Jan has no interest in continuing the legacy of steel and forestry. Instead, he launches a radical transformation, turning the conservative conglomerate into a telecom and media powerhouse. What follows is a high stakes battle between tradition and innovation, as Jan's vision clashes with his siblings' resistance to change. His relentless drive reshapes the Nordic media and telecom landscape: he breaks Sweden's telephone monopoly, launches TV3 - Scandinavia's first commercial channel - and pioneers' strategies that inspire Rupert Murdoch's Sky TV model and lay the groundwork for Vodafone's rise. At his peak, Jan is worth 800 million dollars, founds 20–30 companies annually, and helps shift Sweden from a traditional industrial society into a leader in global communications. But his meteoric rise comes at a cost. Haunted by loneliness and broken family ties, Jan's life proves as turbulent as it is transformative. Send us a text, let us know what shows and guests you want us to cover.

In a new Bloomberg interview, Gary Gensler emphasized that most digital tokens, lack fundamental value drivers such as cash flows, dividends, or intrinsic economic utility.~This Episode is sponsored by SALT~Borrow on SALT Now! ➜https://bit.ly/pbnsaltGuest: Shane Crockett, CBP - Head of Private Client Services00:00 Intro01:00 Gary Gensler returns03:15 Vanguard enters the space05:00 Gary Gensler: “Buy gold & Silver”07:00 How will interest rate affect Bitcoin lending?09:20 TVL vs volatility11:00 Could we see Tax Relief?12:30 Will new investors understand the SALT model?14:00 Long term vs Short term loans15:15 Will rate cuts create opportunites to open a loan?16:50 1/3/5 year loan duration options17:50 2026 Fed rate predictions18:00 Regulation 202619:30 Outro#Crypto #Bitcoin #Ethereum~Gensler Returns!

How to Choose a Financial Advisor: Fee-Based vs. Commission and What Retirees Need to Know Introduction Choosing the right financial advisor can feel overwhelming, especially when you’re navigating retirement planning or managing a lifetime of savings. With so many types of advisors—from traditional brokers to fee-based fiduciaries—how do you know which model serves your best interests? In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson walk through the evolution of financial advising, explain the critical differences between fee-based and commission-based models, and share what you should look for when selecting an advisor. Whether you’re working with a large brokerage firm or considering a local registered investment advisor, this guide will help you make an informed decision about your financial future. The Evolution from Brokers to Financial Advisors From Lockboxes to Digital Portfolios The financial advisory landscape has transformed dramatically over the past several decades. When Tom Dupree started in the business, the term “financial advisor” didn’t exist—only brokers. “When I started in the business, it was a broker. There were no such things as advisors,” Tom explains. Back then, fee-based advisors served only the ultra-wealthy with accounts of $5-10 million or more. Everyone else worked with commission-based brokers. Investors even held physical stock certificates and bonds in lockboxes at their banks. As Tom recalls: “I knew an older man who accumulated a lot of securities, bonds and stocks, and he kept them in his lockbox. He had to physically collect his own bond coupons.” The Rise of Discount Brokerages and RIAs The late 1980s and 1990s brought significant changes: Discount brokerage firms like TD Ameritrade, Schwab, Fidelity, and Vanguard emerged, allowing investors to manage their own portfolios Fee-based accounts became available at traditional brokerage firms Independent Registered Investment Advisors (RIAs) like Dupree Financial Group established themselves as fiduciary-focused alternatives This evolution created more choices for investors—but also more confusion about which advisor model best serves their needs. Understanding Different Types of Financial Advisors Commission-Based Brokers Commission-based advisors earn money when you buy or sell investments. While not inherently wrong, this model creates potential conflicts of interest. Key characteristics: Compensated through transaction commissions May recommend products that generate higher fees Not always held to fiduciary standards Common at firms like Edward Jones and traditional wirehouses As Mike Johnson notes: “You the consumer need to be aware of what their incentive is. Some advisors are incentivized by transactions.” Fee-Based Registered Investment Advisors Fee-based RIAs charge a percentage of assets under management rather than commissions on transactions. Key characteristics: Held to fiduciary standards (legally required to put client interests first) Fees typically range from 0.5% to 1.5% of assets annually Incentivized to grow your account value, not generate transactions Provide ongoing investment management and financial guidance “We manage money for a fee and we offer advice. We counsel with people,” Tom explains about Dupree Financial Group’s approach. “It makes it simple. We’re not trying to do other things that you don’t expect us to try to do.” Hybrid Models and Large Brokerage Firms Many large brokerage firms now offer both commission-based and fee-based services, along with additional offerings like legal and accounting departments. Tom cautions about potential conflicts with these one-stop-shop models: “If everybody is working under the same roof and getting paid by the same income stream, they’re gonna all pretty much march to the same company line.” Fee-Based vs. Commission: Understanding Advisor Incentives How Incentives Shape Investment Recommendations Your advisor’s compensation structure directly impacts the advice you receive. Understanding these incentives is crucial for retirement planning. Commission-Based Incentives: Generate income through buying and selling May encourage unnecessary trading or higher-cost products Can create pressure to recommend certain investments Fee-Based Fiduciary Incentives: Earn more only when your account grows Motivated to preserve capital and generate steady returns Aligned with long-term retirement goals “The incentive for us, for example, is to mitigate risk, but to also try to earn a rate of return above the rate of inflation and hopefully the rate of withdrawal,” Mike explains. “It aligns with what our client’s interests are.” The Fiduciary Standard: What It Means for You A fiduciary is legally obligated to act in your best interest. This is the highest standard of care in financial services. When you work with a fiduciary RIA: Your interests come first, always Conflicts of interest must be disclosed Recommendations must be suitable for your specific situation Transparency is required in all fee structures Red Flags When Choosing a Financial Advisor Warning Signs to Watch For Not all financial advisors operate with your best interests at heart. Here are red flags Tom and Mike have observed over 47 years in the investment business:

Mike Malone and Scott Budman dissect the week's biggest tech stories, starting with Elizabeth Holmes' audacious social media campaign for a presidential pardon. They discuss the perplexing stock market rally driven by bad jobs numbers and the high volatility caused by a simple rumor about Microsoft and AI. Plus, Vanguard legitimizes Crypto and Google ruins its news app with absurd AI-generated headlines.

Book a 1|1 Bitcoin Consulting call with mehttps://pathtobitcoin.xyz/Where I buy Bitcoin (Free BTC & Non-KYC options)https://bitcoinwell.com/referral/bitcoinnotcrypto15% Stampseed Titanium Seed plates (BEST WAY TO STORE BTC PRIVATE KEYS)https://www.stampseed.com/USE CODE : BTCNOTCRYPTO15Get a Coldcard Hardware wallet herehttps://store.coinkite.com/promo/169FA71FECC4928F725D5% off Start9 servers for plug & play Bitcoin NodesCODE: BNC5https://store.start9.com/Affordable Privacy Phones & deviceshttps://www.mark37.com/ref/BNC/5% off using code : BNCFree Open Source Bitcoin and Investment tracking toolshttps://plebtools.com/Become a Member of the Channel, Get exclusive content, and livestream playbackhttps://www.youtube.com/channel/UC2aM2gVVEHTu0pfE1ZyA0BQ/joinFollow Rajat, Jor, and I's new show togetherhttps://www.youtube.com/@MapleBitcoinJoin our Communityhttps://www.skool.com/maplebitcoinListen to this as a podcasthttps://podcasters.spotify.com/pod/show/bitcoinnotcryptoFollow me on Nostrnpub1zqm9zant0rxf49wfgw8pt5h0j50cetfes6hwa73u7sxstlzcsz8qh6x9fsFollow on Twitter/Xhttps://x.com/forrestHODLDonate to the show herebabywallet@coinos.io

Matt and Nic are back with another week of news and deals. In this episode:  Quantum risk again Are banks filled with spooks? The trouble with Taproot addresses Microstrategy's dollar reserve Kalshi is going on chain Prediction market predicaments Are insiders monetizing Google search information on Polymarket? Are prediction markets insider trading machines by definition? DAT activist fights Vanguard adds Bitcoin ETFs House Financial Services Committee releases their final report on OCP2.0 What's going on with leverage in crypto? Are AI agents going to start stealing crypto? Is Eliezer Yudkowski to be trusted? AI is going to usher in the golden age of fraud

The Last Trade: Mark Yusko breaks down why the bitcoin cycle isn't dead, how futures and index flows “tame” BTC, why gold and oil remain the real benchmarks, and what this year's post-peak reset signals about an adversarial, institutional future.---

We will debate whether the S&P 500's historically high Shiller P/E (P/E10) ratio is justified by today's economic environment, or if the current market valuation—nearly matching the 2000 peak—signals an unsustainable bubble.Today's Stocks & Topics: Axon Enterprise, Inc. (AXON), Market Wrap, Invesco NASDAQ 100 ETF (QQQM), “Warning Signs: Is the Market P/E Ratio Justified?”, FactSet Research Systems Inc. (FDS), Abrdn Physical Silver Shares ETF (SIVR), iShares Silver Trust (SLV), Copper Supply and Demand, Grupo Aeroportuario del Centro Norte, S.A.B. de C.V. (OMAB), Brookfield Asset Management Ltd. (BAM), Rockwell Automation, Inc. (ROK), Cameco Corporation (CCJ), Modine Manufacturing Company (MOD), Vanguard and 401k.Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Mark Thompson reveals the principles of readiness that he's used to help aspiring CEOs get the top job.— YOU'LL LEARN — 1) The one behavior that makes you more CEO-like 2) Why to take on your boss' problems3) The question that dramatically improves your appealSubscribe or visit AwesomeAtYourJob.com/ep1115 for clickable versions of the links below. — ABOUT MARK — Mark Thompson is a globally recognized authority on CEO succession, executive readiness, and high-stakes leadership transitions. He has led more than a hundred board-level engagements to prepare C-suite successors to step confidently into enterprise leadership. He is the founding chairman and CEO of the Chief Executive Alliance and the CEO Leadership Plan Review (LPR). Previously, he served as chief executive of the CEO Academy, a SHRM company, in partnership with Wharton and McKinsey.Earlier in his career, Thompson reported directly to founder Charles “Chuck” Schwab, serving as executive producer of Schwab.com, the first large-scale digital platform for online investing. In 2021, he was ranked by Marshall Goldsmith as the #1 CEO Coach, and in 2023 he was inducted into the Thinkers50 Coaching Legends.• Book: Admired: 21 Ways to Double Your Value• Book: CEO Ready: What You Need to Know to Earn the Job--and Keep the Job• Website: ChiefExecutiveAlliance.com— RESOURCES MENTIONED IN THE SHOW — • Study: “How Leaders Develop Collaborative Leadership for Effectiveness” by Bonita Thompson• Book: The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change by Stephen Covey• Book: Contact: A Novel by Carl Sagan• Book: Creativity, Inc.: Overcoming the Unseen Forces That Stand in the Way of True Inspiration by Ed Catmull and Amy Wallace• Past episode: 273: Taking Control of your Career with Korn Ferry's Gary Burnison— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode digs into the unwelcome December surprise of capital-gains distributions, especially from actively managed mutual funds. Don and Tom break down Morningstar's latest list of high-distribution offenders, spotlighting the astonishing 83% capital-gains payout from the Royce Midcap Total Return Fund. They compare the tax drag, costs, turnover, and long-term underperformance of these funds against index funds and ETFs, and explain why tax-efficient investing matters far more than most people realize. Listener questions cover overly complex portfolios, Edward Jones stock positions, odd-lot tender offers, and whether large-cap blue-chip stocks remove the need for bonds. The episode closes with a reminder that detailed portfolio triage is best handled in one-on-one meetings. 0:04 Capital-gains season returns and why high fund returns can still hurt 0:29 Don & Tom on weather, wardrobe, and warming up in Florida 1:30 December capital-gains distributions and why they happen 2:07 Morningstar's warning: active funds with big capital-gains payouts 3:06 Vanguard, T. Rowe Price, and American Funds distribution levels 4:09 The biggest offender: Royce Midcap Total Return Fund 5:41 Why 35 funds will distribute more than 10% of assets 5:52 The stunning number: Royce's 83% capital-gains distribution 6:52 Why big outflows and poor performance drive big taxable events 7:21 Royce's turnover, tiny size, high costs, and weak long-term returns 8:47 Why it's critical to hold active funds only in tax-advantaged accounts 10:07 ETFs vs mutual funds: tax efficiency and turnover differences 11:42 Comparing Royce to Avantis AVGE on fees, turnover, and performance 12:16 How AVGE tracks its index vs Royce's massive underperformance 13:33 When selling an active fund before a distribution may or may not help 14:05 Listener question: overly detailed allocation request — why it needs a meeting 16:29 Why some questions require one-on-one analysis 18:20 Why Appella's free meetings exist (and what they're not) 20:35 Odd-lot tender offers explained 22:14 Listener: selling Edward Jones stock holdings and leaving EJ 23:42 Why small, young investors should clean up taxable accounts early 24:24 The long decline of commission-based brokerage 25:26 Bothell check-in: blue-chip stocks vs bonds 27:18 Historical returns: 98 years of total market vs small-cap value 28:49 Why bonds exist in a portfolio despite low recent returns 29:30 Closing thoughts on discipline, diversification, and realism Learn more about your ad choices. Visit megaphone.fm/adchoices

- free samourai https://www.btcpolicy.org/articles/pardoning-the-samourai-developers-would-correct-a-misapplication-of-federal-law-and-protect-the-future-of-non-custodial-software + https://primal.net/gary/an-open-letter-to-the-senators-of-the-united-states-why-developer-protections-are-essential-for-safeguarding-constitutional-rights-and-national-security-in-cyberspace - strategy usd reserve https://www.strategy.com/press/strategy-announces-establishment-of-1-44-billion-usd-reserve-and-updates-fy-2025-guidance_12-1-2025 - vanguard enables crypto etfs https://www.theblock.co/post/380997/vanguard-clients-trade-funds-crypto-bitcoin-xrp-solana-starting-week-bloomberg - bitkey private pickup https://x.com/bitkey/status/1995945460411105323 - China | Central Bank Vows Digital Asset Crackdown The People's Bank of China reaffirmed its hostility toward digital assets and announced it would increase scrutiny of stablecoins. In a statement, the central bank warned of rising speculation and promised stricter enforcement against peer-to-peer stablecoin activity, expressing particular concern over customer identification requirements and anti-money-laundering controls. “Virtual currencies do not hold the same legal status as fiat currency and cannot be used as legal tender in the market,” the central bank said. It added that it will “intensify efforts to combat related illegal financial activities” to maintain financial stability. - dell funds kids https://www.whitehouse.gov/articles/2025/12/landmark-dell-gift-supercharges-trump-accounts-for-americas-kids/ - real estate is a shitcoin https://cassius133.substack.com/p/cowichan - gold is a shitcoin https://x.com/TFTC21/status/1996575233856122959 - italian gold https://primal.net/e/nevent1qqsyvg6ylqauhl3vwhyc7zc40njt6enu2wyds67fhsfx4sx879ajmnqdprypr - polyglobe https://x.com/pizzintwatch/status/1993346450084778439 - google insider polymarket https://x.com/jeonghaeju/status/1996462116094480464 3:59 - RFK sexts 19:19 - Dashboard 22:59 - Free Samourai 28:59 - Strategy stacking dollars 36:24 - Vanguard 41:49 - Bitcoin/gold 43:14 - Bitkey private pickup & walmart 52:19 - HRF Story of the Week 56:17 - Cowichan land 1:01:39 - Boosts 1:03:39 - Fake gold for Schiff 1:08:24 - Italian gold 1:14:49 - Polyglobe 1:17:24 - Google insider 1:25:09 - Covid semen Shoutout to our sponsors: Coinkite https://coinkite.com/ Stakwork https://stakwork.ai/ Obscura https://obscura.net/ Salt of the Earth https://drinksote.com/rhr Follow Marty Bent: Twitter https://twitter.com/martybent Nostr https://primal.net/marty Newsletter https://tftc.io/martys-bent/ Podcast https://tftc.io/podcasts/ Follow Odell: Nostr https://primal.net/odell Newsletter https://discreetlog.com/ Podcast https://citadeldispatch.com/

Derek Moore is joined by Shane Skinner and Mike Snyder to talk about the coming Fed decision and what the market is telling us. Plus, CNN's Fear and Greed Index is almost at extreme fear so why are most markets near all-time highs? Then, looking at the economy through the lens of Michael Kantro's HOPE theory and whether the recent ADP employment report is giving mixed messages. All this and more this week.   HOPE = Housing Orders Profits Employment Russell 2000 Cup or Vase with Handle pattern? Fed interest rate cut now at 94% probability Are small caps telling us more rate cuts coming? Earnings expectations on the Russell 2000 Index? CNN Fear and Greed Index showing almost extreme fear Disconnect between Fear and Greed Index vs the stock market Soft data vs hard data disconnect Bitcoin and MicroStrategy or Strategy catches a bid on Vanguard news ADP soft private employment data     Mentioned in this Episode   Rob Arnott on "The Bubble You Can't Short" episode of Excess Returns podcast https://excessreturnspod.com/podcast/excess-returns/episode/the-bubble-you-cant-short-rob-arnott-on-what-you-can-do-instead   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com        

Today's episode looks at how the traditional financial and policy apparatus around Bitcoin and crypto is shifting from quiet hostility to reluctant accommodation, and what that means for market psychology at this stage of the drawdown. From MicroStrategy building a $1.44B cash buffer to avoid selling BTC, to Kalshi's move toward on-chain tokenization, to Congress' blistering report on Operation Chokepoint 2.0 and the about-face from Vanguard and Bank of America on Bitcoin access, the signs of a changing tide are everywhere. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

In this episode of Money Moves, Matty and Ryan break down a packed week of market-moving headlines—starting with record-shattering Black Friday sales, a bold political push to abolish income tax, and new data showing foreclosures beginning to rise across the country.They unpack the implications of $11.8 billion in online Black Friday spending, surging Buy Now Pay Later adoption, and what consumer behavior tells us about the strength—or vulnerability—of the American household heading into 2026.The conversation then pivots to Trump's increasingly vocal proposal to eliminate income tax and what that could actually look like when you follow the money. Ryan outlines where revenue would realistically come from, the role tariffs might play, and why high-income earners are unlikely to escape the taxman entirely.Finally, they dive into the early warning signs in real estate: a 20% surge in foreclosures, rising household debt, declining home values in more than half the country, and why builders and contractors are suddenly slowing down after three years of nonstop demand.From macro data to mindset, policy to portfolio strategy, this episode gives you a blunt, unfiltered look at what's really happening—and how to position yourself for what comes next.Topics Covered:Record-breaking Black Friday and weekend salesSurging Buy Now Pay Later usage among younger and higher-income consumersMarket outlook and the potential Santa Claus rallyQuantitative tightening ending and what QE/QT shifts mean for investorsRising credit card usage and cracks in the consumer debt cycleTrump's push to abolish income tax and the realistic feasibilityTariffs, flat sales tax, and alternate revenue modelsInstitutional crypto adoption and Vanguard's ETF reversalForeclosures up 20% and household debt hitting new recordsHome price declines vs. rising median sale priceContractors and builders slowing as demand shows early signs of coolingHousing affordability outlook heading into 2026AI valuations, Anthropic's IPO plans, and future Fed chair speculationEpisode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text  "XRAY" to 844-447-1555

Advisors everywhere are feeling the pressure to scale, hire, and prepare for a wave of retirements that will reshape the industry. At the same time, firms are struggling to attract women, keep next-gen advisors engaged, and build teams that actually create freedom instead of more work.That's why I wanted to bring Lindsey Lewis on the show. After building a $200M book in her first year at Vanguard, Lindsey shifted her career toward research at The American College so she could help the profession fix its biggest blind spots—especially around women in finance, advisor retention, and the future talent pipeline.We dig into the data shaping the next decade of financial services: what women uniquely bring to advisory firms, why Gen Z is more interested in this profession than any generation before them, and how training, compensation, and career clarity determine whether young advisors stay or disappear.4 of the biggest insights from Lindsey …#1.) The Biggest Talent Gap in Advisor HistoryWe're staring down a generational shift in this profession. Tens of thousands of advisors are aging out. And when you run the math, the industry would need to hire over a million new people just to meet today's demand. Lindsey walks through the data behind this massive workforce gap and why the firms who build real training, career paths, and development now will be miles ahead of everyone else over the next decade.#2.) Women Advisors Are a Huge Missed OpportunityThe numbers don't lie: women make up 25% of CFPs… but only a small fraction are in sales/growth positions. And it's not a talent issue, it's how the industry has shaped roles, pay structures, and expectations over time. Lindsey breaks down why women often outperform in retention, personalization, referrals, and relationship depth, yet get pushed into service tracks or stay risk-averse because of cultural narratives, confidence gaps, or biases inside firms. The upside for the firms who fix this is enormous. Women represent one of the biggest untapped growth engines in financial services.#3.) Gen Z Wants In, But Poor Onboarding Pushes Them OutHere's the part no one expects: financial services is now Gen Z's top-preferred industry over tech and medicine. But at the same time, 1 in 4 early-career advisors say their onboarding wasn't effective — and those are the same people who leave within seven years. Lindsey lays out exactly what this generation needs to stay: mentorship, sponsorship, clear career paths, ongoing education, and roles that evolve with their confidence. If you want a talent pipeline that sticks, it starts with the first 12–18 months.#4.) Compensation Makes or Breaks Your TeamComp plans aren't just about money, they're about psychology. Young advisors need stability before they're ready to take on variable comp. Others crave upside and hate the idea of a flat salary. Lindsey explains the difference between income risk tolerance and income risk capacity, and why misalignment between the person and the pay structure is one of the biggest drivers of turnover. When firms get comp wrong, they churn through talent. When they get it right, people stay, grow, and eventually step into the very roles the industry is desperate to fill. SHOW NOTEShttps://bradleyjohnson.com/145FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP11254981366See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's HEADLINES for December 3UK Passes Landmark Law Formally Recognizing Crypto as PropertyLiquidity Regime Flips: Fed Ends QT as JPMorgan, Vanguard, and Bank of America All Move Into CryptoAave DAO Considers Rolling Back Its Multichain ExpansionPolymarket Begins U.S. App Rollout, Starting With Sports Markets$1B Legal AI Platform Exposed 100,000+ Confidential Files After Researcher Reverse Engineered Its Core SystemsLittle BITZCircle launches the Circle Foundation, a nonprofit focused on standards, education, and public-good infrastructure for global digital money.Uniswap integrates Revolut, enabling seamless fiat → crypto onramps for 40M+ users directly inside the DEX interface.MetaMask releases Transaction Shield, a built-in protection layer that flags malicious addresses and phishing signatures before users sign transactions.Tether Prints Another $1 Billion in New USDT as Liquidity Wave BuildsWHERE TO FIND DCNdailycryptonews.nethttps://twitter.com/DCNDailyCryptoEMAIL or FOLLOW the HostQuileEmail: kyle@dailycryptonews.netX: @CryptoQuile——————————————————————***NOT FINANCIAL, LEGAL, OR TAX ADVICE! JUST OPINION! WE ARE NOT EXPERTS! WE DO NOT GUARANTEE A PARTICULAR OUTCOME. WE HAVE NO INSIDE KNOWLEDGE! YOU NEED TO DO YOUR OWN RESEARCH AND MAKE YOUR OWN DECISIONS! THIS IS JUST EDUCATION & ENTERTAINMENT Hosted on Acast. See acast.com/privacy for more information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask a powerful question: Are you just building wealth, or are you building a life? They explore the concept of "Return on Life" — and how many successful, high-net-worth families struggle to shift from accumulation to enjoyment. Through real stories and actionable advice, they help you confront financial fear, lifestyle paralysis, and the emotional habits that could be holding you back from a meaningful retirement. Plus, the surprising move from Vanguard that could bring crypto into the mainstream, a snapshot of the Cincinnati housing market, and how to plan around Medicare’s IRMAA surcharges.See omnystudio.com/listener for privacy information.

Anthony and John Pompliano break down the chaos inside today's markets — from Bitcoin's pullback to what's really happening with the ETFs. We dig into why Vanguard suddenly capitulated, how a Trump-appointed Fed chair could reshape the entire macro landscape, and why political goggles are destroying people's ability to think clearly about money. Plus, we unpack Michael and Susan Dell's massive $6.25 billion donation to jump-start investing accounts for 25 million American kids — and what it means for the next generation of wealth-building.======================Xapo Bank, the world's first fully licensed Bitcoin-enabled bank, offers military-grade security with an unmatched blend of physical and digital security, as well as pioneering regulatory oversight, so your funds are always protected. Beyond secure storage, they enable you to grow and use your Bitcoin. Earn daily interest in Bitcoin, spend with zero FX fees using a global card, and make instant payments via the Lightning Network for unrivalled access and convenience. Visit https://www.xapobank.com/pomp to join.======================Bitwise is one of the largest and fastest-growing crypto asset managers, with more than $15 billion in client assets across an expanding suite of investment solutions—including the world's largest crypto index fund—plus products spanning Bitcoin, Ethereum, DeFi, and crypto equities. In addition to managing assets, Bitwise helps investors stay informed about the fast-moving crypto market. Every week, CIO Matt Hougan breaks down what's happening in crypto in five minutes or less. Read the latest at https://experts.bitwiseinvestments.com/cio-memos. Certain Bitwise investment products may be subject to the extreme risks associated with investing in crypto assets. Visit https://bitwiseinvestments.com/disclosures to learn more.======================Timestamps: 0:00 – Intro1:29 – Bitcoin's price drop & volatility10:12 – ETF vs spot bitcoin & leverage warnings16:40 – Vanguard + institutions opening access to Bitcoin ETFs21:39 – Trump's Fed pick & Jerome Powell legacy25:56 – Political goggles: data, bias & media narratives33:45 – Doctors using ChatGPT & the future of expertise36:38 – Michael & Susan Dell's $6.25B Invest America

Monday's selloff rattled the entire market—Bitcoin, equities, commodities, you name it. But beneath the volatility, something more structural may be happening. In this week's Bits + Bips, Austin Campbell, Ram Ahluwalia, Chris Perkins, and B+B OG previous host Alex Kruger break down one of the most confusing macro weeks of the year. They debate why high-beta assets snapped, whether a rotation into quality is underway, why institutions seem unfazed even as retail stays skittish, and share initial thoughts on Vanguard finally allowing clients to buy crypto. The crew also unpacks Strategy's chaotic comments about selling BTC, the Clarity Act's political hurdles, the CME outage that exposed systemic fragility, and the never-ending debate over Tether—profitability, reserves, and what institutions actually want from a stablecoin issuer. Sponsors: Uniswap Mantle Hosts: Ram Ahluwalia, CFA, CEO and Founder of Lumida Austin Campbell, NYU Stern professor and founder and managing partner of Zero Knowledge Consulting Christopher Perkins, Managing Partner and President of CoinFund Guest: Alex Kruger, founder of Asgard   Timestamps:

Crypto News: Vanguard will now allow spot crypto ETF trading which Includes Bitcoin, Ethereum, XRP, & Solana ETFs. Crypto payments coming to PlayStation as Sony plans stablecoin launch in 2026.Brought to you by

The Federal Reserve officially ended quantitative tightening and immediately pumped $13.5 billion into markets through an overnight repo—clear signs of growing stress in the system. At the same time, new controversy is hitting Tether's balance sheet, raising fresh questions about stablecoin stability. And in a surprise move, Vanguard is preparing to launch its own Bitcoin ETF, marking a major shift from one of Wall Street's most anti-crypto giants. With liquidity returning, institutions pivoting, and trust in key crypto players under pressure, today's developments could reshape the entire market.

Joe is Global Chief Economist and Head of the Investment Strategy Group at Vanguard. He dives into the major forces reshaping markets—from AI-driven innovation to demographic headwinds and rising debt—and explains why the next decade will be a tug-of-war of megatrends and why consensus forecasts may miss the mark.

The biggest catalyst for both stocks and crypto is monetary policy and the Fed is expected to cut interest rates in December. Quantitative Tightening (QT) has officially ended, a process where the Fed had been shrinking its balance sheet since April 2022.~This episode is sponsored by Uphold~Uphold Get $20 in Bitcoin - Signup & Verify and trade at least $100 of any crypto within your first 30 days ➜ https://bit.ly/pbnuphold00:00 Intro00:10 Sponsor: Uphold01:00 Biggest daily gain since May01:45 CNBC: Can stocks rally  to year-end?03:45 Global reshuffle05:20 Vanguard bends the knee06:45 Trump announcement07:00 Fed chair flop09:00 BTC $150K in 2025 hope gone10:10 Bloomberg: Likely more pain coming13:00 Brad Gerstner (Altimeter): We have to be honest about Bitcoin14:30 BitMine not blinking15:30 Paul Atkins16:00 Paul Atkins: Progress without regulation?17:40 Raoul Paul: its not a 4 but a 5-year cycle20:50 Boomers ALL IN on crypto22:30 Charts23:00 Outro#Crypto #federalreserve #Bitcoin~Fed Sparks Rally?

Jon Rosemberg discusses how to break free from limiting beliefs and reclaim control over your life. — YOU'LL LEARN — 1) The difference between succeeding and thriving2) How to shift out of survival mode with A.I.R.3) How to spot and challenge limiting beliefsSubscribe or visit AwesomeAtYourJob.com/ep1114 for clickable versions of the links below. — ABOUT JON — With over two decades coaching Fortune 500 executives and global teams through deep transformations, Jon Rosemberg has learned firsthand that growth begins when we courageously reclaim our agency. His personal journey, forged by immigration, loss, and career reinvention, inspires him to blend hard-won business insight with cutting-edge research to guide others toward greater meaning. Driven by his belief in human potential, Jon co-founded Anther, a firm dedicated to transforming uncertainty into possibility. He previously led high-impact initiatives at Walmart, Procter & Gamble, Indigo, and GoBolt.Jon holds an MBA from Cornell University and a Master of Applied Positive Psychology from the University of Pennsylvania, where he serves as an assistant instructor. Originally from Caracas, Venezuela, he now lives in Toronto with his wife, Adriana, and their two sons.• Book: RA Guide to Thriving: The Science Behind Breaking Old Patterns, Reclaiming Your Agency, and Finding Meaning• LinkedIn: Jon Rosemberg• Website: JonRosemberg.com— RESOURCES MENTIONED IN THE SHOW — • Study: "Workplace Wellbeing and Firm Performance" by Jan-Emmanuel De Neve, Micah Kaats, and George Ward• Study: “Our Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and Community” • Book: Man's Search for Meaning by Viktor Frankl• Book: Nonviolent Communication: A Language of Life: Life-Changing Tools for Healthy Relationships (Nonviolent Communication Guides) by Marshall Rosenberg and Deepak Chopra• Book: Building a Life Worth Living: A Memoir by Marsha Linehan• Video: “You're More Stressed Than Ever - Let's Change That” by Kurzgesagt – In A Nutshell• Past episode: 500: Building Unshakeable Self-Esteem and Confidence with Victor Cheng— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A light Black Friday edition tackles four listener questions covering Vanguard's Digital Advisor, the timing of Social Security versus IRA withdrawals, whether to swap target-date funds for a VT/BND mix, and the wisdom (or lack thereof) of adding managed-futures ETFs. The show ends with a look at whether international bonds meaningfully improve diversification (answer: barely). The through-line? Keep investing simple, avoid expensive complexity, and stick with risk-appropriate, broadly diversified portfolios—holiday weekend or not. 0:09 Don debates doing a Black Friday episode but decides to keep listeners company 1:58 How to submit questions on the website and call on Saturdays 2:16 Q1: Is Vanguard's Digital Advisor worth using? 2:56 Pros and cons: low cost, limited choices, avoid the active-fund version 4:29 Transition to Q2 4:55 Q2: Should a spouse take Social Security at 62 or delay and live off an IRA? 5:50 Pension changes the math—delay for the 8%/yr benefit 7:13 Target-date vs. VT/BND performance and Roth allocation logic 8:32 Risk tolerance matters more than account type 9:09 Actual performance: 2035 fund vs. VT/BND nearly identical 9:42 Q3: Adding managed-futures ETFs as a diversifier 10:23 Why Don strongly opposes adding complexity and high-expense hedges 11:36 Expense ratios make them non-starters 11:56 Q4: Should investors add international bonds? 12:46 Tiny diversification benefit; generally not worth it for DIY investors 14:38 Correlation improvement maxes out around one-tenth of one percent Learn more about your ad choices. Visit megaphone.fm/adchoices