Podcasts about Vanguard

Charles Gasparino, author of Go Woke, Go Broke: The Inside Story of the Radicalization of Corporate America, explores the radicalization of corporate America by tracing the rise of ESG (Environmental, Social, and Governance) and DEI (Diversity, Equity, and Inclusion) initiatives. He argues that these movements, once fringe academic theories, were embraced by corporate elites at global forums like Davos and the UN. This shift was accelerated by the 2008 financial crisis, which led CEOs to adopt "stakeholder capitalism" as a defensive "cover your backside" strategy against progressive populism and threats of government nationalization. The book details how major asset managers like BlackRock and Vanguard leveraged trillions in investment money to force progressive social changes on the companies in their portfolios. Gasparino uses The Walt Disney Company as a primary example of "woke" activism backfiring, noting how political entanglements in Florida and ideological shifts in programming led to significant financial and cultural fallout. He also highlights the story of Sage Steele, who was allegedly forced out of ESPN for holding heterodox, non-woke views. Ultimately, Gasparino documents an ongoing backlash against these policies, as evidenced by massive withdrawals from ESG-focused funds and a retreat from diversity programs by firms like Goldman Sachs. He concludes that "wokeness" is often a distraction from core business responsibilities, such as managing balance sheets, and warns that it divides the country while harming the bottom line. (1)

Titans On Tomorrow Ep. 1 with guest Anson Frericks Presented by Ethos: https://ethos.com/titans In a new show on business and finance at this transformative time for the global economy, Ben Shapiro talks directly with the founders, CEOs, and investors building the next decade.   Anson Frericks spent 11 years climbing to the top of Anheuser-Busch, becoming President of Sales and Distribution.  He watched in horror as the company he loved traded its relationship with customers for an elitist stakeholder capitalism scorecard.  Anson saw the Bud Light collapse coming before it cost the company $30 billion in market value, writing the definitive account of it in his bestseller Last Call for Bud Light. Ben and Anson break down: • What really happened inside Anheuser-Busch before the Dylan Mulvaney fiasco • Why BlackRock, State Street, and Vanguard have outsized power over corporate America, and how Strive is fighting back • Whether corporate neutrality is enough, or if conservatives need to push harder • Why he left the culture wars behind to build an AI company tackling serious mental illness • What's next as AI, biotech, and capital markets reshape the American economy - - - Today's Sponsors: Ethos - Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/titans. Application times may vary. Rates may vary. VCX - VCX, by Fundrise, gives everyone the opportunity to invest in the next generation of innovation, including the companies leading the AI revolution, space exploration, defense tech, and more. Visit https://getVCX.com for more info. Cardiff - If you've been in business for at least a year, and are pulling in $20,000 a month in revenue, apply now for up to $500,000 in same day business funding at https://Cardiff.co/ben. Real growth. Fast funding. Cardiff—Borrow better. ZipRecruiter - 4 out of 5 employers who post on ZipRecruiter get a quality candidate within the first day. Try it for FREE today at https://ZipRecruiter.com/DAILYWIRE - - - DailyWire+ Become a Daily Wire Member and watch all of our content ad-free: https://www.dailywire.com/subscribe

Great Investor Gerry O'Reilly ran Vanguard's Total Stock Market Index Fund for 32 years until his untimely death in June. In an earlier interview he explained what it takes to ensure the 4.000 stock portfolio matches its index every single day. 

This week on Five Question Friday (FQF):Question 1: Is Fidelity or Vanguard the better place to keep your cash? Question 2: Is a 1.25% AUM fee reasonable?Question 3: What's the best way to preserve capital once you're in your 70s?Question 4: Should your cash bucket be a fixed dollar amount or a percentage of your portfolio? Question 5: Is it safe to share your personal finances with AI?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Replay Episode — This one's a "blast from the past." David originally recorded this conversation in the last quarter of 2022, right in the middle of heavy recession fear and a rough year in the markets. He's bringing it back now because 2026 has had its own share of ups and downs, and the mindset underneath this conversation hasn't gone stale.Joining David is Mike DiJoseph of Vanguard's Investment Advisory Research Center, whose team studies why investors make the decisions they make — and how a good advisor changes the outcome.In This EpisodeWhy financial news functions more like entertainment than informationVanguard's "Advisor's Alpha" research: the roughly 3% net-return value a good advisor adds over timeA real 2020 case study: bailing out at the bottom turned $1M into $800K, while staying the course turned it into $1.2MWhy the political party in power has a surprisingly weak relationship with market returnsThe behavioral finance reason your brain forgets years of gains the moment there's one bad yearReframing downturns: lock in the loss on the portfolio, or lock in the loss on the goalMeet the GuestMike DiJoseph works within Vanguard's financial advisor services division, on the Investment Advisory Research Center team. He and David connected through the Financial Planning Association.Key MomentsApproximate timestamps — this is a replay, so times are estimated from the conversation flow.00:00 — Why David is replaying this episode now03:30 — Meet Mike DiJoseph and Vanguard's research team06:00 — Is a recession actually bad for the stock market?10:30 — The Tesla thought experiment13:00 — How one word turns a headline from bullish to bearish16:00 — Staying the course doesn't mean standing still19:00 — Does the party in power actually move the markets?24:00 — The recency bias problem27:00 — The 2020 case study: $800K vs. $1.2M33:00 — What a good advisor is actually worth37:00 — Insurance and estate-planning blind spots41:00 — Personal definitions of wealthQuotable"You can either lock in the loss on the portfolio, or you lock in the loss on the goal.""There is never going to be an all-clear signal. And to the extent that there is one, it's probably too late.""When your values are clear, your decisions are easy."Not sure if your portfolio — or your plan — is actually built for moments like this? Book a free 20-minute Vision Call: weeklywealthpodcast.com/visionConnect with David directly: david@parallelfinancial.comIf this episode helped reframe how you're thinking about the market right now, share it with someone who needs to hear it — and follow the show so you don't miss what's next.

EKIP #102 | Blitzlicht 022 Steigende Energiepreise, neue Erkenntnisse aus der Kapitalmarktforschung und gegensätzliche Entwicklungen bei einkommensorientierten Anlageklassen standen im Mittelpunkt dieser Ausgabe des Einkommensinvestoren-Blitzlichts. Wir haben über aktuelle Kursbewegungen, die Geldpolitik der Europäischen Zentralbank (EZB) sowie eine neue Langfriststudie zum US-Aktienmarkt gesprochen. Außerdem ging es um Business Development Companies (BDCs), Real Estate Investment Trusts (REITs), Gold und ausgewählte Dividendenwerte.

Dom talks with Sonia Minnaar and Liz Henderson from Canopy Camping Escapes about winning the Experience Rural category at the recent NZI Rural Women Business Awards, the evolution of the company since its inception and being among the early adopters of the now burgeoning NZ tourism industry. Tune in daily for the latest and greatest REX rural content on your favourite streaming platform, visit rexonline.co.nz and follow us on Instagram, Facebook and LinkedIn for more.

Odds are good that part of your paycheck disappears into an account with the Fidelity name on it every two weeks. Almost nobody stops to ask who's actually on the other end of that relationship. The answer isn't a faceless Wall Street institution, it's one family that has quietly controlled a $15 trillion company for three generations, through boardroom near-mutinies, a succession fight that almost ended in the company being sold, and enough family drama to fill a book. It did, actually. Wall Street Journal reporter Justin Baer spent years uncovering it, and today he brings the whole story down to the basement.What You'll Walk Away WithWhy one of the biggest financial companies in America has never had a single outside shareholder, and what that's actually protected them fromThe surprisingly personal origin story behind Fidelity's founder, and the market-crash lesson that shaped the entire company's philosophyWhy Fidelity almost missed the money market fund revolution, and the workaround that changed how everyday people access their cashThe near-sale that almost happened in 2005, and how close the company came to becoming something completely differentWhy checking your 401k balance more often might actually be good for your financial decision-making, according to Fidelity's own researchHow a family succession battle nearly pushed the current CEO out of the business entirelyA useful mental gut-check for figuring out how much of your "checking account cushion" should actually count as part of your emergency fundWhy This Matters NowIf you're in your 40s, there's a good chance you've had a relationship with Fidelity, Vanguard, or a similar company for two decades without ever really knowing how they work or who's behind them. That's not a knock on you, it's just how most financial relationships start: automatically, through a job, without much choice involved. Understanding the incentives and history behind the company holding your retirement money doesn't change your investing strategy overnight, but it does replace a vague, faceless trust with something more informed, and informed trust is a lot more durable than blind trust.From the BasementA conversation about $189 average dates turns into a surprisingly sharp point about not overspending to impress someone before you even know if it's a match, in relationships or business. And a basement community note about "hidden" emergency funds sitting in checking accounts sparks a genuinely useful reframe worth stealing for your own budget.Resources MentionedHouse of Fidelity: The Rise of the Johnson Dynasty and the Company That Changed American Investing — Justin Baer's book on the Johnson family and Fidelity's historyField Kit Finance — the all-in-one net worth, budgeting, and credit tracking tool mentioned in the sponsor breakSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Healthcare costs have been climbing around 7% a year. Andrew sits down with Doc G (Dr. Jordan Grumet), hospice physician and author of The Healthcare Heist, to break down exactly how a routine ER visit turns into a five-figure bill and where every one of those dollars actually goes.

Get my global index fund & ETF comparison tool: ⁠click here⁠Listen to this next: 'Should you switch global ETFs?'In this podcast episode, we answer a great question from Andy:'VWRP or VAFTGAG'There are a few important differences:What they invest in How much they charge in feesWhat platforms they are available onAnd the type of investment each of them is Listen to the podcast episode for the full details.And thanks for the question Andy! If you have a question, feel free to email me: ryan@makingmoneysimple.com -----------------------------------------

Get my global index fund & ETF comparison tool: ⁠click here⁠Listen to this next: 'Should you switch global ETFs?'In this podcast episode, we answer a great question from Andy:'VWRP or VAFTGAG'There are a few important differences:What they invest in How much they charge in feesWhat platforms they are available onAnd the type of investment each of them is Listen to the podcast episode for the full details.And thanks for the question Andy! If you have a question, feel free to email me: ryan@makingmoneysimple.com -----------------------------------------

The average American spends over $900 a month on car payments for a depreciating asset. Here is how to stop and what to do with that money instead. 

Bill and Andy Bush open with the one regret they've never heard from a retiree: "I saved too much." Drawing on conversations with plan participants, they explore the regrets people do voice — wishing they'd started earlier, stayed invested, or captured more of the company match — and why those missed opportunities can't be recovered once a contribution year lapses. The brothers make the case for balance, weighing Bill Perkins' "Die with Zero" philosophy of enjoying the here-and-now against the risk of shortchanging your future self. Along the way they dig into maximizing the match, the underused 50-plus and 60-to-63 "super" catch-up contributions, the new Roth catch-up rule for high earners, and the triple-tax-advantaged power of the HSA. They close with a mid-year nudge to review your savings rate and a reminder that money should buy choices, not guilt. ⏱ Episode Timeline & Key Topics 00:03 – Welcome & The Regrets We Hear Bill and Andy open the show with the common regrets they hear from plan participants: "I wish I'd saved more," "I wish I'd stayed in the market," "I wish I'd started earlier," and "I wish I'd taken the match longer." 00:53 – The One Regret Nobody Voices Nobody ever says they saved too much. Andy reframes the goal as balance — saving for later without abandoning a reasonable lifestyle now, or vice versa. 01:34 – Why Retirement Feels Too Far Away Bill notes how "retirement feels far away" leads people to defer saving, even though early dollars have the most time to compound. Life gets expensive as competing priorities — marriage, kids, college, car and house payments — crowd out saving. 02:08 – "Die with Zero" and Valuing What Feels Endless Andy shares Bill Perkins' insight from "Die with Zero": when something feels abundant or endless, we don't fully value it — which is exactly the trap with retirement saving that still feels far off. 02:53 – Missed Opportunities, Not Saved Dollars People nearing retirement rarely regret the money they saved; the regret is around opportunities missed. Each year's contribution limit lapses and can't be refilled later. 03:34 – Deathbed Regrets and Living with Balance Andy recalls that the biggest end-of-life regrets are rarely about working harder — they're about relationships, taking risks, and speaking up. The takeaway: plan forward for a long life while keeping balance today. 04:41 – Know How Your Company Match Works Bill urges participants to understand and maximize the match — an instant return, whether dollar-for-dollar or 50 cents on the dollar — and to capture that opportunity every year. 05:06 – When "Just the Match" Isn't Enough Andy raises the flip side: maxing the match may still fall short. The key questions are whether a match exists, what it is, and whether hitting it will actually be enough for your situation. 05:50 – Catch-Up and Super Catch-Up Contributions Bill covers catch-up contributions starting at age 50 and the SECURE 2.0 "super" catch-up for ages 60 to 63. Despite peak earning years, usage is low — roughly 5% of eligible 50-plus savers per the Public Retirement Research Lab, and low teens in Vanguard's How America Saves. 06:49 – Freeing Up Dollars in Your 50s As kids leave home and certain expenses fall away, your 50s can be a window to put more toward retirement — after assessing where you stand on your savings track. 07:39 – The New Roth Catch-Up Rule for High Earners Bill explains the rule rolled out this year: high earners (making $150,000 or more with an employer the prior year) who are 50-plus must make catch-up contributions as Roth. Some savers are balking — even skipping catch-ups entirely — rather than going Roth. 08:19 – Roth vs. Taxable: Why the Rule May Be a Gift Andy points out that money saved outside the plan gets taxed on dividends and gains along the way, while Roth is taxed up front and then grows and distributes tax-free. Bill notes high earners often can't deduct a traditional IRA anyway. 09:16 – The Value of Tax-Advantaged Space and the HSA The brothers highlight the range of tax-advantaged vehicles — 401(k), IRA, and the HSA, the triple-tax-advantaged account tied to a high-deductible health plan that blends the best of Roth and pre-tax. 09:49 – HSAs, Healthcare Costs, and Reimbursing Yourself Later Andy explains why the HSA may be the best retirement vehicle: healthcare becomes a bigger expense with age, and saving receipts now lets you reimburse yourself tax-free years later for big-ticket costs. 11:09 – An HSA Catch-Up Strategy for Couples Bill shares a lesser-known tip: when both spouses are 55-plus, the family contribution plus two catch-ups is allowed — but the second catch-up must go in a separate HSA. IRAs and HSAs can be funded up to the April tax deadline. 11:59 – Planning for Taxes Down the Road Andy notes most people focus only on today's taxes and overlook RMDs and legacy planning. Structuring your accounts thoughtfully can improve your future tax picture without costing much now. 12:35 – Can You Actually Save Too Much? Back to the opening question: yes, it's possible — high earners who live well within their means, or those who live so frugally the balance tips too far toward later at the expense of enjoying now. 14:01 – Money Should Buy Choices, Not Guilt Bill frames it as the balance of financial security and financial sacrifice. Savings should give you more choices in retirement — not maximize an account balance for its own sake. 15:08 – Confidence Scores and the Science of a Plan Andy describes the individual financial planning process: taking inventory of assets, income sources, and expenses to produce a confidence score across retirement ages, factoring in Social Security timing, Roth conversions, RMDs, and guaranteed income. 17:04 – Mid-Year Savings-Rate Checkup At the midpoint of 2026, Bill encourages listeners to review what they've saved in the first six months and adjust for the second half, aiming for a household savings rate near the often-cited 15% (including any match). 18:10 – "My Spouse Handles That" Andy addresses participants who leave saving entirely to a spouse — trust is great, but both partners should know whether the plan will be enough down the road. 18:39 – Wrap-Up: Better to Have Extra Than Be Short Bill contrasts arriving at retirement with $200,000 extra versus $200,000 short. Savings rates matter and long-term thinking gets you there. The brothers close with contact info — brothers, but not twins. ✅ Key Takeaways Quick Reference •             Nobody regrets saving — they regret missed opportunities — each year's contribution limit lapses and can't be refilled later, so capture it while you can •             Aim for balance, not extremes — don't sacrifice today's life entirely for the future, or the future entirely for today •             Start early to let time do the work — early dollars have the most time to compound, even when retirement feels far away •             Understand and maximize your match — a dollar-for-dollar or even 50-cents-on-the-dollar match is an instant return you should capture every year •             Maxing the match may not be enough — check whether hitting the match actually funds the retirement you want •             Use catch-up and super catch-up contributions — available at 50, with an enhanced amount for ages 60 to 63, yet only about 5% of eligible savers use them •             The Roth catch-up rule can work in your favor — high earners ($150K+) doing catch-ups must go Roth, which grows and distributes tax-free rather than getting nibbled by taxes in a taxable account •             The HSA may be your best retirement vehicle — triple-tax-advantaged, and you can save receipts now to reimburse yourself tax-free later •             Plan for future taxes, not just today's — think about RMDs, Roth conversions, and legacy before they arrive •             Money should buy choices, not guilt — the goal is confidence and options in retirement, not the biggest possible balance •             Do a mid-year savings-rate check — review the first six months and adjust; a common benchmark is around 15%, including any match

In this Crypto Water Cooler episode, Amanda and Tony discuss the latest developments surrounding the CLARITY Act as Republicans introduce new ethics language and Democrats push back. They also cover Goldman Sachs CEO David Solomon's support for the CLARITY Act, the House's passage of the congressional stock trading ban, and the DTCC's first live production trades of tokenized stocks, ETFs, and U.S. Treasurys with firms including JPMorgan, BlackRock, Goldman Sachs, and Vanguard.⭐️⛏️ GoMining is an All-in-one Bitcoin superapp to mine, earn and use BTC. They have 5 Million+ users and have been live since 2021. - https://siagomininglatvia.sjv.io/aNLaRq 

On episode 474, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss: the bloodbath in certain tech stocks, investor behavior in South Korea, a normal market environment, the Mag 7 shine has worn off, Nike lost its moat, why we don't have recessions anymore, boomers aren't downsizing, stocks vs. housing as an investment, Netflix is crashing, movies are back, and more. This episode is sponsored by YCharts and Vanguard. To learn more and get 20% off your initial YCharts Professional subscription to take Y for a spin (new customers only), visit https://go.ycharts.com/animal-spirits To learn more about Vanguard bonds, visit https://vanguard.com/audio Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us On Social Media: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 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/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

One episode packed with everything from debt payoff psychology to investing for a special needs child. 

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

In this hard hitting episode of the Executive Lunchtime Quickie, host Tawnie peels back the curtain on the “Attention Economy,” a system that is not only fracturing our culture but actively destabilizing our macroeconomic landscape.Tawnie, a mother, former corporate executive, and entrepreneur, breaks down how the 2017 collapse of foreign investment in U.S. entertainment forced a pivot toward the “outrage economy.” She explains how this shift turned many public figures into digital trolls and why our collective attention has become the ultimate currency in a global struggle for financial dominance.In this episode, we tackle:• The Macroeconomic Seesaw: How social media trends and viral narratives are being weaponized to either strengthen the U.S. dollar or accelerate de dollarization.• The High Cost of Fragmentation: A sobering look at the Uvalde tragedy. We analyze the timeline of Robb Elementary and discuss why siloed data was a fatal failure in preventing a preventable disaster.• The Case for Institutional Grade Defense: Why our schools need the data integration power of firms like Palantir to connect the dots on behavioral warning signs before tragedy strikes.• The Monetization of Grief: Why we must stop rewarding influencers who use tragedy to farm engagement and rage bait for profit.Tawnie issues a direct question to industry titans like BlackRock, Vanguard, State Street, and Fidelity: How are you accounting for “Attention Risk” in your long term outlooks for global stability?Whether you are an investor, an entrepreneur, or a parent concerned about the future of our digital infrastructure, this is the briefing you need to protect your legacy.Join us:Podcast Workshop: Join Tawnie later this month at 8:30 PM to learn how to build and command your own digital platform.Hot Topics & Cool Drinks: Next month marks our one year anniversary! Join our community of entrepreneurs and investors over 55 as we work to ensure the legacies we've built remain secure against the chaos of the digital age.Learn more about AI analytics and scrutinyThis video provides additional context on the global role and scrutiny of Palantir's AI analytics, which complements your discussion on its potential impact as a tool for security and data integration.Watch here:  https://www.youtube.com/watch?v=B9Ti3g7TF5A⁠

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

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

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.

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.

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  

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?

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.

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.

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.