The Real Investment Show (Full Show)

Episoade

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  9-17-26 What the Fed Said 17.09.2026 44min

  The Federal Reserve raised interest rates for the first time in three years, but for investors, the bigger question is what comes next. Lance Roberts and Michael Lebowitz break down what the Fed said, what Chairman Kevin Warsh signaled about inflation and future monetary policy, and why the Fed's updated rate projections matter for markets. With most policymakers anticipating another rate increase this year, is this the beginning of a new tightening cycle, or could the Fed be closer to "one and done"? What could higher rates mean for stocks, bonds, economic growth, and portfolio strategy as investors look toward the Fed's remaining meetings in 2026? 0:00 INTRO 1:12 - Retail Sales Better than Expected 3:20 - Market Reaction to Rate Hike, Dot Plots, & Commentary 5:14 - Room for a Rally? Odds vs History 10:40 - Mrs. Roberts' Hamburger Date 13:37 - Fed Hikes Rates: Policy Mistake? 17:02 - No Rate Cuts Next Year? 19:50 - Why Would the Fed Raise Rates? (Looking at PCE) 24:02 - It's All About the Bond Market 24:44 - Kevin Warsh' non-Forward Guidance & Dot Plots 27:16 - What Problems Will Rate Hike Cause? 30:08 - This is screwy 31:06 - The Neutral Rate is Already Restrictive 32:27 - Has the Bond Market Already Done the Fed's Job? (article) 35:44 - When the Fed Fights Inflation, it Makes Your Life Worse 37:18 - Is This a Start of a New Rate Cycle, or Continuation of Past Rates? 38:46 - This is an Oil Problem 39:26 - Fed Funds Rate History (chart) 42:17 - Give it a few days... Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's Before the Bell report, "What Fed Rate Hikes Mean for Stocks," https://youtu.be/x3R2_RXa6ew ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZB0_e_Oi86w -------- Watch our previous show, "Q&A Wednesday: What Will The Fed Do?" https://youtube.com/live/a_oJzPPbdLQ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Articles Mentioned in Today's Show: "Has The Bond Market Already Done The Fed’s Job?" https://realinvestmentadvice.com/resources/blog/has-the-bond-market-already-done-the-feds-job/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FederalReserve #StockMarket #InterestRates #SP500 #Investing #FedRateHike
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  9-16-26 Q&A Wednesday - What Will The Fed Do 16.09.2026 50min

  It’s Fed Day, and markets are waiting for answers. It's also Q&A Wednesday, and Lance Roberts takes your questions from our YouTube Live Chat window. He'll break down the biggest economic, investing, and market developments of the past week, including the Federal Reserve’s September FOMC meeting, interest rates, inflation, rising Treasury yields, oil prices, AI spending concerns, and the recent pressure on stocks. 0:00 INTRO 0:55 - Fed Day: Will They or Won't They? 3:11 - Market Breaks Below 50-DMA 4:12 - Reflexive Rally not surprising, post-Fed 4:30 - Oil Prices Putting Pressure on Economy 9:02 - What's the Expected Market Reaction for FOMC Rate Decision? 12:54 - Are there clear tech support levels for S&P? 15:57 - Does it make sense to owns TIPS in an IRA in a state with high income tax? 16:47 - Lance's Roth Thesis 19:14 - Inflation feeds into everything; isn't it tame for now? (What the Fed SHOULD do) 22:37 - Credit Card Spending and After Tax Wage Growth 25:31 - Do Markets Compound? (no) 30:03 - Gold Behavior and Rate Hikes 31:53 - Too Bad Warsh Didn't Introduce Truflation (link to Oliver Rust interview is below) 32:49 - 90% Equities, 10% Cash: Time to Buy Bonds? 34:07 - Nick Timaros Chart--pricing in two rate hikes this year? 34:39 - Selling Equities to Lock in Bonds? 38:08 (Gamblers Anonymous Thursdays w Michael Lebowitz) 39:52 - Raise Rate and Lower Credit Card Rates? (Doesn't work that way) 40:15 - Do we only have a few years left to make money? (yes) (chart) 44:34 - Will Payment of Interest on National Debt be an Issue? (no) 46:19 - Where might the top of the Ten Year Treasury be? 47:54 - Why can't you cap credit card rates lower? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's Before the Bell report, "Markets Break the 50-DMA: What Happens Next?" https://youtu.be/GNBpgdhBG9U ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/a_oJzPPbdLQ -------- Watch our previous show, "10 Money Moves to Make Before Year End" https://youtube.com/live/cSHoYh0sR70 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Articles Mentioned in Today's Show: "Investing Myths Dismantled (Chapter 4 of 5)" https://realinvestmentadvice.com/resources/blog/investing-myths-dismantled-chapter-4-of-5/ "Is Inflation Data Getting it Wrong? (Oliver Rust Interview) https://www.youtube.com/live/603EdhToXq8?si=lSvziR7PKnwWx1Fp --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #AIStocks #MarketOutlook #Investing #TechnologyStocks #FinancialPlanning #RetirementPlanning #TaxPlanning #RothConversion #YearEndPlanning
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  9-15-26 10 Money Moves to Make Before Year End 15.09.2026 48min

  The end of the year will be here before you know it. What financial moves should you make now instead of waiting until December? Lance Roberts and Jon Penn look at 10 important year-end financial planning decisions to consider before December 31, including tax planning, Roth conversions, required minimum distributions (RMDs), qualified charitable distributions (QCDs), retirement plan contributions, and charitable giving. 0:00 INTRO 1:02 - The Challenge in the Markets 2:22 - Will Warsh Hike Rates...or not? 3:19 - Markets Struggle through Narrow Trading Range 4:31 - If the Markets Stay Flat...? 8:47 - Preparing for Q4 (Halloween & Christmas) 12:32 - Gold, Silver, & Precious Metals as Inflation Hedge? (Why to earn certain assets) 14:24 - Figuring out the equity allocation puzzle 19:26 - ...when we're 64. 20:45 - 20% is not enough for equity exposure 23:33 - Diversity Assets AND Account Types 25:20 - Turn off the noise; the problem with being pessimistic 27:31 - Know What You Own 29:40 - What to Focus on Between Now & EOY 30:55 - How to Prepare for Santa Cause Rally (Tax-loss Harvesting) 32:21 - Wash Rules & ETF's 33:58 - Charitable Contributions & Donor Advised Funds 35:16 - Does Roth Conversion Make Sense Now? 36:00 - How to Handle Required Minimum Distributions this year 36:40 - Qualitied Charitable Distributions 39:30 - Maxing Out Contributions to IRA's (Get the free money) 42:54 - Portfolio Allocation, Risk Tolerances, & Large Expenditures: Cash on hand? 46:07 - Reviewing Beneficiary Designations Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's Before the Bell report, "Is AI Spending Really Slowing?" https://youtu.be/sSQVKetdR2g ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/cSHoYh0sR70 -------- Watch our previous show, "Is This Time Different for Stocks?" https://youtube.com/live/GNSmdq5nH2o ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #AIStocks #MarketOutlook #Investing #TechnologyStocks #FinancialPlanning #RetirementPlanning #TaxPlanning #RothConversion #YearEndPlanning
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  9-14-26 Is This Time Different for Stocks 14.09.2026 46min

  Stock prices and corporate earnings are breaking trends that have held for roughly 90 years. Does artificial intelligence represent a fundamental change in the economy and markets, or are investors once again being tempted by the four most dangerous words in investing: “this time is different”? Lance Roberts examines whether AI has truly changed the earnings equation, what today's valuations suggest about future returns, and why investors don't necessarily have to choose between being bullish and bearish. 0:00 INTRO 1:01 - FOMC Week; AI: To Pause or Not to Pause? 4:35 - Markets Still Stuck 9:47 - A look at Bond Flow Dynamics 13:49 - Why is Everyone Buying Longer Term Bonds? 14:31 - The TINA Trade 17:50 - The Primary Function of Bonds in a Portfolio: Safety 24:02 - Investment Psychology: Narrative and Greed 27:24 - The Gap Between Estimates and Reality 28:18 - The Truth About Compounding 31:29 - The Permanent Impairment of Capital 33:42 - Currency Debasement & Inflation 35:22 - How to Offset Risk of Inflation: Bonds vs Equities 37:25 - A portfolio is an Engine 38:41 - A Crisis Without a Calendar 41:36 - We're at the Tail End of a Secular Bull Market 43:54 - Investing in Lead & Beans 44:50 - Why We Prefer Optimism Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's Before the Bell report, "Don’t Overreact to Today’s Tech Selloff," https://youtu.be/mE2qTZl5Pf8 ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/GNSmdq5nH2o -------- Watch our previous show, "Can the FIRE Movement Really Work?" https://www.youtube.com/live/HummvRArByg?si=EZBAImkZqNESj9uh ------- Articles mentioned in this report: "Weak Buyback & Strong Auctions: Bullish Signals For Bonds" https://realinvestmentadvice.com/resources/blog/weak-buyback-strong-auctions-bullish-signals-for-bonds/ "This Time Is Different? Earnings and Price Break 90-Year Trends" https://realinvestmentadvice.com/resources/blog/is-this-time-different-earnings-and-price-break-90-year-trends/ "Portfolio Risk Management: Winning The Long Game (Chapter 5) https://realinvestmentadvice.com/resources/blog/portfolio-risk-management-winning-the-long-game-chapter-5/ "US Debt Trap: A Crisis Without A Calendar" https://realinvestmentadvice.com/resources/blog/us-debt-trap-a-crisis-without-a-calendar/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Nasdaq #ArtificialIntelligence #FederalReserve #Investing
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  9-11-26 Can the FIRE Movement Really Work 11.09.2026 51min

  The Financial Independence, Retire Early movement promises something many people want: save aggressively, live below your means, build wealth, and gain the freedom to leave work early. But does the FIRE movement really work when retirement could last 40, 50, or even 60 years? Richard Rosso & Jonathan McCarty examine the different approaches to FIRE, including Fat FIRE, Lean FIRE, Barista FIRE, and Coast FIRE, and discuss where retirement calculations can go wrong. We also look at why stocks should not simply be treated as predictable compounding assets, the risks of quitting your job too soon, inflation and the “pink tax,” Trump Accounts for children, and why financial independence remains such an attractive goal. Plus, what the arrival of humanoid robots could mean for work and retirement planning, why financial gimmicks deserve skepticism, and why a sound retirement plan should prepare for the worst while hoping for the best. The program also marks the 25th anniversary of September 11, 2001, with a remembrance of “The Falling Man” and those whose lives were forever changed that day. 0:00 INTRO 0:19 - Preview: Getting People to Save More & the F.I.R.E. Movement 1:34 - 25th Anniversary of 9/11 - The Falling Man 9:05 - Financial Independence Retire Early movement 12:01 - Fat FIRE, Lean FIRE, Barrista FIRE 13:59 - Stocks Are Not Compounding Assets 16:38 - Coast FIRE (Walletburst.com): Why the Calculations Don't Work 19:23 - How to Blow up Your Retirement Plan (Don't Quit Your Job) 30:56 - Humanoid Robot Attack (KTLA) 32:44 - Why the FIRE Movement is Attractive 34:00 - Where's the Risk? 35:42 - Where Are They Now? 37:13 - The Appeal of Financial Independence 39:40 - The Coming of the Robots 41:21 - Beware the Gimmicks 42:16 - Plan for the Worst, Hope for the Best 44:46 - Here Comes Baby McCarty #2 47:53 - Big Life Events vs FIRE 49:25 - The Pink Tax is a Thing Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan "Smarty" McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/live/HummvRArByg?si=EZBAImkZqNESj9uh -------- Watch our previous show, "What Will Inflation Data Do for the Fed?" https://youtube.com/live/y1GoUw9wURw?feature=share ------- Articles mentioned in this report: "How to Achieve Financial Independence and Retire Early (FIRE)" https://realinvestmentadvice.com/resources/blog/fire-retirement-strategy/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FIREMovement #FinancialIndependence #RetireEarly #RetirementPlanning #PersonalFinance
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  9-10-26 What Will Inflation Data Do for the Fed 10.09.2026 41min

  With CPI and PPI inflation reports in focus, markets are looking for clues about the Fed’s next move on interest rates. Will cooler inflation give policymakers more room to cut rates, or could hotter data force the Fed to remain cautious? Lance Roberts & Michael Lebowitz examine what the latest inflation numbers could mean for Fed policy, interest rates, Treasury yields, and financial markets, as investors try to determine whether inflation is cooling enough to change the Fed’s outlook. 0:00 INTRO 0:49 - PPI, CPI Preview 2:11 - Oil As Factor in Inflation 4:36 - Markets Continue to Do What They Do 6:53 - Volatility Warms Up 10:03 - PPI, CPI - What's Driving the Numbers 12:56 - Inflation vs Deflation 17:21 - We Have a Relatively Weak Economy 18:51 - Will the Fed Hike Rates Twice this Year? 20:04 - Walsh, Bessent, & Signals to the Market 24:58 - Go Back and Watch Truflation Interview w Oliver Rust: https://www.youtube.com/live/603EdhToXq8?si=irUSKOwd9oEDb2hM 25:56 - Scott Bessent "I am the House" 30:39 - Ten Year Treasury Auction Results 32:38 - S&P 500 Trend Index 34:52 - In the End-phase of Secular Bullish Trend 37:37 - Moving Into a More Normal Rate Environment Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/y1GoUw9wURw -------- Watch our previous show, "Q&A Wednesday: What Should Investors Do Now?" https://youtube.com/live/cbnYs0Eoc0E?feature=share ------- Watch today's "Before the Bell" report, "Markets Test Key Support," https://youtu.be/t6Hl9kH52gw ------- Articles mentioned in this report: "Hike Or Hold? Debating The Coming Fed Decision" https://realinvestmentadvice.com/resources/blog/hike-or-hold-debating-the-coming-fed-decision/ "Investing Myths Dismantled (Chapter 4 of 5)" https://realinvestmentadvice.com/resources/blog/investing-myths-dismantled-chapter-4-of-5/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Inflation #FederalReserve #MarketOutlook #FederalReserve #InterestRates #CPI #FedPolicy
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  9-9-26 Q&A Wednesday - What Should Investors Do Now 09.09.2026 48min

  Markets are entering a critical stretch as investors confront rising oil prices, renewed inflation concerns, higher Treasury yields, shifting expectations for Federal Reserve policy, and continued uncertainty over the direction of stocks. Lance Roberts & Danny Ratliff take your questions live and examine what the latest economic and market developments could mean for your money. 0:00 INTRO 1:01 - Market is hanging out - Going Nowhere Quickly 3:33 - Rise in Rate Hike Odds will Increase Pressure on the Fed? 7:05 - Too Loud? Too Old... 7:43 - Bessent: "I am the House" 9:19 - Dollar vs the Euro? 10:58 - High-risk, High-reward at 2% of Portfolio? 15:56 - What Dividend Sector is Safest for Building a Retirement Portfolio? Dividend Yield vs Fundamentals 17:50 - Stewardship of Capital issue - How to Find Strong Dividend Companies 20:21 - Doomed? Waiting for the Downturn (don't fall in love...) Valuations Matter 23:54 - Buying Puts as Insurance? Mistakes Most Make... 26:48 - Use of MIGA's for Income Component? 30:51 - Lifetime Income Annuities? 33:12 - Long Term Care insurance policies 35:20 - Worry About Market Volatility? 36:42 - What Moves is Berkshire Hathaway Making? (Google) 37:29 - What are alternative ways to hedge? (Puts vs Cash) 43:02 - What is the recommended percentage of cash in a portfolio? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/cbnYs0Eoc0E?feature=share -------- Watch our previous show, "What Higher Bond Yields Mean for Your Portfolio" https://youtu.be/XWj6ghN3obM ------- Watch today's "Before the Bell" report, "Oil and Inflation Raise Market Risk," https://youtu.be/_ClOwNXFx3c ------- Articles mentioned in this report: "September Market Weakness: The Setup Has Teeth" https://realinvestmentadvice.com/resources/blog/september-market-weakness-the-setup-has-teeth/ "Investing Myths Dismantled (Chapter 4 of 5)" https://realinvestmentadvice.com/resources/blog/investing-myths-dismantled-chapter-4-of-5/ "Spock And The Logic Based Approach To Volatility" https://realinvestmentadvice.com/resources/blog/spock-and-the-logic-based-approach-to-volatility/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Inflation #OilPrices #FederalReserve #Investing #FinancialPlanning
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  9-8-26 What Higher Bond Yields Mean for Your Portfolio 08.09.2026 50min

  Why are bond yields moving higher, and what could that mean for investors? Rising Treasury yields can influence borrowing costs, economic growth, stock valuations, and bond prices. Lance Roberts & Jon Penn break down what may be driving yields higher, what the bond market could be signaling, and how changing interest rates can work their way through the economy and financial markets. For investors, the key may not simply be how high yields rise, but understanding what is causing them to move higher. 0:00 INTRO 0:53 - ADP, PPI CPI Previews 1:34 - Meh Market: Don't do anything yet 6:03 - Mid-Terms are up in the air 6:57 - Oil Prices & Inflation 8:06 - Volatility remains compressed 9:53 - Labor Day & Refrigerator Raids 10:30 - What do higher interest rates mean for economy, portfolios? 12:52 - What the Fed really controls 14:53 - There's Good Inflation & Bad Inflation 16:27 - Interest Rates, Debt, & Deficits 17:53 - The Math of Term Premiums 20:15 - When a Treasury Matures (is there any risk to not being bought?) 22:38 - Rates are Returning to Normal 24:17 - The Example 27:35 - The Discount Rate 28:59 - The Rate of Change in Interest Rates 30:34 - When Will interest Rates impact Equity Markets? 32:15 - Are Higher Rates the New Normal? 34:09 - It's Okay to Own the Long End of the Curve 37:54 - The Irony of Higher Interest Rates 38:53 - Debt, Deficits, & Demographics 40:18 - Crises Without a Clock are Useless 42:20 - The Thing About Upside-down Bonds (and loss aversion) 45:30 - Just because you take a loss... Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jon Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: "When Doing Nothing Wins:" https://youtu.be/XWj6ghN3obM -------- Watch our previous show, "Is Inflation Data Getting It Wrong? - Oliver Rust Interview " https://youtube.com/live/603EdhToXq8?feature=share ------- Articles mentioned in this report: "Yield Curve Tells Us More Than We Think" https://realinvestmentadvice.com/resources/blog/earnings-mean-reversion-when-estimates-snap-back/ "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ "Druckenmiller Warning: The Bond Market Already Priced It" https://realinvestmentadvice.com/resources/blog/druckenmiller-warning-the-bond-market-already-priced-it/ "Investing Myths Dismantled (Chapter 4 of 5)" https://realinvestmentadvice.com/resources/blog/investing-myths-dismantled-chapter-4-of-5/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #OilPrices #PortfolioRisk
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  9-7-26 Is CPI Getting It Wrong - The Oliver Rust Interview 07.09.2026 43min

  Is the Consumer Price Index accurately measuring the inflation Americans actually experience? Lance Roberts talks with Oliver Rust of Truflation about how real-time inflation data can differ from traditional CPI measurements. They examine housing and rent concessions, regional price differences, consumer substitution, the K-shaped economy, housing affordability, and the continuing resilience of consumer spending. Oliver also explains how Truflation builds its inflation index, where its methodology differs from the Bureau of Labor Statistics, its work with the Federal Reserve, and what its data says about inflation now. Plus, they discuss what could come next as Truflation expands into employment and other economic indicators. For investors watching inflation, interest rates, housing, and the Federal Reserve, the question is increasingly important: Which inflation data best reflects the economy consumers are actually living in? 0:00 - INTRO 0:55 - What is Wrong with current Inflation/CPI Measurement? 2:46 - The Data Truflation Uses 5:36 - Solving for Interstate Price Variables 6:46 - How is Housing Weighted in Truflation Metric vs BLS & CPI 10:24 - The Concessions in Rental Agreements are not accounted for 15:00 - What is Inflation Doing Now? 16:42 - The Bifurcation in Housing - New Homes vs Existing Home Sales 18:23 - Housing Affordability & K-Shaped Economy 21:17 - Who's Right: CPI or Truflation? (Working with the Fed) 25:51 - The Boskin Commission & Hedonics - What Truflation Does Not Measure 28:40 - Factoring in Substitution by Consumers 30:46 - Effects of FIFA World Cup in U.S. 33:01 - Truflation Expectations for the Future 36:20 - The Resilience of the Consumer - how long will they spend? 38:22 - What if Truflation Had Been Around Back Then... 40:14 - Truflation Plans for Expansion: Employment & Economic Indicators 41:49 - Cross Correlation of data sets is worth reviewing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Oliver Rust, TruFlation Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/603EdhToXq8 ------- Watch our previous show, " " ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Inflation #CPI #FederalReserve #Economy #Investing
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  9-4-26 Don’t Be a Retirement Castaway 04.09.2026 53min

  Retirement planning is about more than building a portfolio. It’s also about deciding what comes next. Richard Rosso & Jonathan McCarty explore the retirement crossroads: making the transition from work to retirement, finding purpose after a career, setting new goals, applying your skills in new ways, and overcoming the reluctance many retirees have to spend the money they’ve accumulated. We also dig into the financial strategies that can make a difference, including Qualified Charitable Distributions (QCDs), donor-advised funds, charitable checks that aren’t cashed, changing tax rules, and potential retirement tax traps. Plus, what movies like The Intern and Cast Away can teach us about identity, purpose, relationships, and life after work. Retirement isn’t simply about whether you have enough money. It’s about answering a much bigger question: Where are you headed? 0:00 INTRO 0:18 - All "news" all the time... 3:33 - The Importance of Staying Current - What Happens in 2028? 5:08 - What We Do is Strategy 7:46 - What is a QCD? 9:45 - When the Check isn't Cashed... 11:14 - Donor-advised Funds 12:49 - Running the Tax Traps 16:00 - Retirees Who Are Reluctant to Spend 17:04 - Movies that Relate to Retirement (The Intern) 19:53 - The Castaway & Retirement 23:17 - Making the Retirement Transition 28:52 - "You Don't Have to do This Anymore" 35:07 - How to Apply Personal Skills After Retirement 37:00 - Have a Confidant 43:18 - Post-retirement Goals 46:19 - Where Are You Headed? 48:10 - The Retirement Crossroads Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mmJmDMR-gK4?feature=share -------- Watch our previous show, " " ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #FinancialPlanning #TaxPlanning #RetirementLife
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  9-3-26 Is the Stock Market Expensive or Cheap? 03.09.2026 44min

  Is the stock market dangerously expensive, or are investors overlooking strong future earnings growth? The S&P 500’s Shiller CAPE ratio has reached 41, yet the PEG ratio, which incorporates expected earnings growth, is signaling one of the cheapest market valuations in decades. Michael Lebowitz and Lance Roberts examine why these two popular valuation measures are sending completely opposite signals. The key difference comes down to expectations: CAPE relies on historical earnings, while PEG depends heavily on Wall Street forecasts for future growth. We look at the reliability of those earnings forecasts, the extraordinary concentration of expected growth among a handful of large technology companies, the role of AI investment, and whether today’s valuations already price in too much optimism. 0:00 INTRO 1:04 - Jobs, JOLTS, & Economic Number Previews 5:01 - Markets are Stuck 11:04 - Vacation & Weekend Plans 12:23 - The Fed: What Will Warsh Do With Rates? 16:12 - The Truth About "Fed Buy Backs" 17:57 - Inflation Expectations are not Reason to Raise Rates 21:29 - No Guidance from the Fed? 23:48 - Valuations - What We Know vs What We Think We Know 28:48 - It all Comes Down to AI 32:12 - The Issue with PEG Ratios 36:12 - Dealing with Earnings Estimates Revisions 37:55 - How AI is Like the Railroads 39:34 -The Use of AI is Growing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/OOZIdB7YSsw -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "Market Stuck in Neutral," https://youtu.be/bTDPi28yJcg ------- Articles mentioned in this report: "Market Valuation: Expensive CAPE Or Cheap PEG?" hhttps://realinvestmentadvice.com/resources/blog/market-valuation-expensive-cape-or-cheap-peg/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #ValueStocks #SeptemberMarkets #StockMarket #MarketValuation #Investing #SP500 #ArtificialIntelligence
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  9-2-26 Q&A Wednesday - What Are Markets Waiting For 02.09.2026 48min

  September is starting with a new set of challenges for investors: rising Treasury yields, higher oil prices, persistent inflation, renewed geopolitical tensions, and growing questions about whether the Federal Reserve may have to raise rates again. Add historically weak September seasonality and the uncertainty surrounding the midterm elections, and investors have plenty to think about. Lance Roberts and Danny Ratliff answer your questions about market risk, interest rates, inflation, portfolio positioning, retirement planning, and what investors should be watching next. 0:00 INTRO 0:50 - JOLTS Report Review, ADP/Jobs Preview 2:04 - Oil Prices on the rise (oil risk is transient): What's feeding into Inflation? 3:52 - Broadcom report preview 4:14 - Market working down towards 50-DMA to test support 5:15 - Seasonal weakness for September is present; volatility remains low 8:53 - Any market Rotation? 10:28 - Guidance for Acquiring company stock in 401k 12:37 - Recommendation for Rotation in and out of funds - how & why & controlling risk 15:30 - Dividend yields or reinvest in Creation of Retirement Paycheck? 19:37 - Where to hide money from the "coming doom..." 21:30 - Dealing with the risks in September 22:57 - Portfolio Management Rebalancing, & Target Weighting 26:13 - Data Center & related stocks: Bloom, Anet, ETN 30:15 - Money flow & Breadth Indicator, Momentum signals: Tax avoidance investing 32:56 - Is anyone big enough to move the market to influence the election (Situational Awareness) 36:55 - Changes to mandatory withdrawals 38:38 - Sensible policies to "fix" SS: remove restrictions on IRA's vs need for revenue 43:33 - Brookfield Corp? 45:12 - Worry about IRMAA? 45:56 - Pullback # for S&P 46:33 - Gold & Silver to run in future? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZxnrV8m0F4g?feature=share -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "September Weakness Tests Market Support," https://youtu.be/4xaM1pIhI1w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets #Investing #FederalReserve #RetirementPlanning #MarketRisk
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  9-1-26 What Should You Expect From a Financial Planner 01.09.2026 48min

  What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio. A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change. Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money. 0:00 INTRO 0:54 - Economic Previews & late earnings trickle in 3:15 - AI: Dis-inflationary AND Inflationary 4:57 - September is Seasonally Weak: 11:20 - Traditional Buy & Hold vs more active management & fear of gains 14:16 - Capital Preservation is first priority 17:44 - Separately Managed Accounts (SMA) vs S&P 20:04 - The Challenges of starting to build financial plan 26:00 - Getting Your Money's Worth from Financial Advisor 29:21 - The Problem of Account Accumulation & Dilution of Returns 34:02 - Budgeting, stress-testing, & tax planning opportunities 36:17 - Estate planning, medical directives, Durable POA 38:08 - Financial Planning priorities in Investing 39:06 - The Role of Life Insurance in Financial Planning 40:26 - Annuities' Bad rap - does it make sense? 44:00 - How much Liability Protection do You Need? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dRd4fGgwrkc -------- Watch our previous show, "Druckenmiller’s Bond Market Warning" https://youtube.com/live/8HuTiqxY7yM ------- Watch today's "Before the Bell" report, "Don’t Make a Big Bet Yet," https://youtu.be/9gNpbwdm97w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection #FinancialPlanning #FinancialAdvisor #RetirementPlanning #PersonalFinance #WealthManagement
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  8-31-26 Druckenmiller’s Bond Market Warning 31.08.2026 50min

  Stanley Druckenmiller is warning Washington about the bond market, but the real message may not be an impending debt crisis. The bond market may have already delivered its verdict. Lance Roberts examines Druckenmiller’s criticism of Treasury intervention, Scott Bessent’s expanded long-term Treasury buybacks, and why attempts to manage yields could create a bigger problem than the initial intervention itself. 0:00 INTRO 0:53 - Labor Day Preview, Kevin Warsh Review 4:53 - US-Venezuela Oil Deal 6:08 - August Into September Markets 12:09 - Pumpkins, Spice, & Sickle and Hammer 13:14 - Stanley Druckenmiller & AI 15:41 - Druckenmiller's Bond Warning 18:12 - The Bond Buy back Operation 23:23 - Warsh Wants the Fed Out of the Bond market 25:40 - What Druckenmiller Said vs What's being read 28:10 - What You Should Do if You Own Fixed Income 33:12 - If there's not Crisis... 35:46 - The Myths of Long Term Investing, Part-3 - The Math of Loss 42:55 - Why Valuations Matter 45:35 - When You Retire Matters Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/8HuTiqxY7yM -------- Watch our previous show, "Will Your IRA Go to the Right People?" https://youtube.com/live/GpH7q-IgPXs?feature=share ------- Watch today's "Before the Bell" report, "September Volatility Test Begins," https://youtu.be/6e-dFR8sjyc ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SeptemberMarkets #MarketVolatility #Investing #RiskManagement #BondMarket #InterestRates #TreasuryBonds #StanleyDruckenmiller #Investing
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  8-28-26 Will Your IRA Go to the Right People 28.08.2026 33min

  Who inherits your IRA could matter just as much as what’s in it. The SECURE Act changed the rules for inherited retirement accounts, while newer IRS regulations created additional planning opportunities for trusts and multiple beneficiaries. Richard Rosso & Jonathan McCarty break down IRA beneficiary designations, the 10-year distribution rule, trusts as retirement account beneficiaries, and why outdated estate plans can create unintended tax consequences. Plus, we explain how properly structured trusts and subtrusts may provide greater flexibility for spouses, children, and other heirs. Before assuming your will or trust has your retirement accounts covered, make sure your beneficiary strategy actually works the way you intend. 0:00 INTRO 0:20 - Nana Nun, teaser: Designating Beneficiaries Can Become a Nightmare 2:03 - Uber & Zipline drone delivery; Why the Young "have no money" 9:23 - Account Titling and Probate Avoidance 14:00 - Revocable Living Trusts 15:57 - Setting Beneficiaries on Assets 18:31 - How to Use TOD (Transfer on Death) 20:10 - Mistakes w IRA Beneficiaries 25:39 - The Benefits of Online Savings (adding/subtracting beneficiaries) 27:47 - Best Practices for Titling: Be Specific 29:46 - Naming Contingent Beneficiaries Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/GpH7q-IgPXs?feature=share -------- Watch our previous show, "Watch our previous show, "Nvidia Says the AI Boom Is Just Getting Started, " https://youtube.com/live/lGSWXLw9dPY " ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #EstatePlanning #InheritedIRA #RetirementPlanning #IRA #FinancialPlanning
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  8-27-26 Nvidia Says the AI Boom Is Just Getting Started 27.08.2026 46min

  Nvidia delivered another blockbuster quarter, reporting record revenue of $96.2 billion, up 106% from a year ago, as demand for AI infrastructure continues to accelerate. But the bigger story may be what comes next. Lance Roberts & Michael Lebowitz break down Nvidia’s latest earnings, its extraordinary growth outlook, Blackwell and Vera Rubin demand, the massive buildout in AI infrastructure, and Nvidia’s growing financial involvement across the AI ecosystem. We also examine the risks, including rising memory costs, margin pressure, enormous capital requirements, and questions about whether today’s AI spending boom can deliver adequate returns. 0:00 INTRO 1:00 - Economic Recap & Multiplier Effect 6:31 - Market Push from NASDAQ 11:45 - Passwords, Needles & Rosso's toys 14:30 - NVIDIA Reports - Markets Respond 21:36 - How Ancillary Business Benefit from NVIDIA 24:03 - NVIDIA Stock Performance 25:32 - The Heat Map Game 27:25 - Portfolio Positioning & Nat Gas play 30:37 - The Economics of Gilligan's Island 35:33 - Productivity Factors of AI 38:04 - How Much Return on AI Investment will there be 39:57 - How Will AI be Transformative? 42:42 - We're All Investing in AI Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lGSWXLw9dPY ------- Articles mentioned in this report: "Fueling AI Data Centers: Behind The Meter Solutions- Part 1" https://realinvestmentadvice.com/resources/blog/fueling-ai-data-centers-behind-the-meter-solutions-part-1/ "Behind The Meter Solutions Investment Guide- Part 2" https://realinvestmentadvice.com/resources/blog/behind-the-meter-solutions-investment-guide-part-2/ "Productivity On Gilligan’s Island: Episode 2" https://realinvestmentadvice.com/resources/blog/productivity-on-gilligans-island-episode-2/ "Bitcoin Up 22%: Has The Halving Cycle Begun?" https://realinvestmentadvice.com/resources/blog/bitcoin-up-22-has-the-halving-cycle-begun/ --- Watch today's "Before the Bell" report, "NASDAQ Technicals Are Turning Higher," https://youtu.be/33KMo6HoezY ------- Watch our previous show, "Are Today’s Interest Rates Really That High?" https://youtube.com/live/lPCVe6O4LjM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NASDAQ #StockMarket #TechnologyStocks #MarketOutlook #Investing #Nvidia #NVDA #NvidiaEarnings #AIStocks
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  8-26-26 Q&A Wednesday - The Biggest Risk to Markets Now 26.08.2026 58min

  Markets are facing a growing list of risks as investors head into the final stretch of summer. Stocks are working through a slow-moving correction, Treasury yields remain elevated, technology leadership is being tested, and the Federal Reserve faces renewed questions about inflation and interest rates. Which risks actually matter for your portfolio, and which are mostly market noise? Lance Roberts & Danny Ratliff answer your questions, live, as we break down the latest economic data, market signals, Fed policy expectations, bond yields, and geopolitical developments to separate the real threats from the headlines. 0:00 INTRO 1:00 - Dolly Parton's Passing 1:46 - NVDIA is the Big News Today - will move markets tomorrow 4:34 - Markets Rally and Hold 20-DMA; Mitigating Market Risk 6:38 - NVIDIA Preview 10:26 - Lance's Wardrobe 11:35 - Semi-conductor Strategies 14:44 - 401-k Rotation Strategies 19:52 - Looking at Interest Rate plays - what is your goal? 22:13 - Is the Globalization Narrative breaking down? (TV Pricing & Exporting Inflation, Importing Deflation) 27:46 - Modifying Cap Ex concept in AI business? 28:48 - If the Basis Trade blows up? 29:19 - Barbell Strategies for ten-year term (Value ETF's vs Momentum ETF's) 35:22 - 50-50 portfolio (eating cake every night & not gain weight) 37:47 - Etherium Price at EOY? (you've missed The Move for this year); it is a risk asset 40:01 - Stuck with TMF (leveraged ETF) What Would You Do From here? 44:51 - When a Company is sold, when to get out? 45:24 - Value vs growth 46:04 - NVIDIA, Market Cap Concentration, & Top Ten Stocks 49:01 - What Could Cause a Spike Higher in Yields? 51:50 - Stanley Drunkenmiller vs the Fed: Let the market dictate action 52:49 - Balanced Portfolios at age 80? 55:21 - Sectors most under-valued, over-looked, and over-valued? 56:38 - How much of investing proverbs/rules have come true? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/tESc03T56K4?feature=share ------- Articles mentioned in this report: "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ "Investor Psychology Is Sabotaging Your Returns (Chapter 2 of 5)" https://realinvestmentadvice.com/resources/blog/investor-psychology-is-sabotaging-your-returns-chapter-2-of-5/ "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ "Three Percent Real TIPS Yields: Boring But Valuable" https://realinvestmentadvice.com/resources/blog/three-percent-real-tips-yields-boring-but-valuable/ -------- Watch today's "Before the Bell" report, "NVIDIA Earnings Put Market Support to the Test," https://youtu.be/5Dkn-dNU9wA ------- Watch our previous show, "Are Today’s Interest Rates Really That High?" https://youtube.com/live/lPCVe6O4LjM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #NVIDIA #StockMarket #NVDA #Investing #MarketOutlook #FederalReserve #Investing #InterestRates
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  8-25-26 Are Today’s Interest Rates Really That High 25.08.2026 51min

  Interest rates are rising, long-term bond prices have pulled back, and investors are once again worried that higher Treasury yields could threaten the economy and markets. But what if today’s rates aren’t historically high at all? After more than a decade of near-zero rates and easy monetary policy, investors may have become accustomed to an environment that was anything but normal. Lance Roberts & Jon Penn put today’s interest rates into historical perspective, examine what higher yields really say about inflation, growth, debt, and deficits, and explain why a 5% long-term Treasury yield may not be the crisis many headlines suggest. We’ll also look at what the changing rate environment means for stocks, bonds, portfolio risk, and investors deciding whether weakness in longer-duration bonds is a warning—or an opportunity. 0:00 INTRO 1:04 - Weekly Preview & Treasury General Account Bond Buy Backs 2:04 - Shorting Treasuries & The Hedge Fund Trade 5:37 - Markets Going Thru a Slow-Motion Correction 8:24 - BitCoin Rallies on Bessent Announcement 11:52 - Bonds & Rates: Brake or Break? 19:08 - Rates Are Normal 21:56 - The Primary Determinants that Set Loan Rates (Economic Composite Index) 25:46 - The Effect of Debt on Economy 29:46 - The Negative Multiplier, Measured (Gov't. Debt vs Household Debt) 33:33 - The S&P in 2008? When Markets are Unsustainable 36:58 - $40-trillion (and "Zero") & Shock and Awe 39:40 - Retirees Get Paid to own Treasuries (How Much to Allocate?) 41:57 - Is the Dollar Losing Value? 44:45 - There is Always a Buyer for Debt (Primary Dealers) 47:56 - Fasting w Lance & Christina Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lPCVe6O4LjM ------- Articles mentioned in this report: "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ -------- Watch today's "Before the Bell" report, "Market Correction: Patience Pays," https://youtu.be/w_BcRBJ00Io ------- Watch our previous show, "Is the Basis Trade Distorting Bond Yields?" https://youtube.com/live/UtY2oV1kkXc ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #Bitcoin #MarketCorrection #InterestRates #TreasuryYields #BondMarket #Bitcoin #FederalReserve
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  8-24-26 Is the Basis Trade Distorting Bond Yields 24.08.2026 43min

  Are Treasury yields still sending investors a reliable signal about inflation, growth, and Federal Reserve policy, or is the massive basis trade distorting the message? Lance Roberts explains how the basis trade works, why it matters for Treasury yields, and whether investors can still trust the bond market as an economic and market signal. 0:00 INTRO 1:02 - Kevin Warsh + Nvidia Report = Volatility? 5:28 - Market Deviations & Bollinger Bands 13:07 - The Basis Trade & Interest Rates 16:17 - What is a Basis Point? 21:31 - Are Interest Rates Really Telling us What's Going on in Markets? 22:42 - What's the Risk/What Happens When Basis Trade Unwinds? 26:47 - Does Kevin Warsh have Enough Time to Fix It? 28:28 - What Happened on Liberation Day 29:39 - What to Do About It 34:29 - The Psychology of Buyers & Sellers: The Houston Housing Market 37:85 - The Index is the Index Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UtY2oV1kkXc ------- Articles mentioned in this report: "The Basis Trade: Is The Bond Market Signal Distorted?" https://realinvestmentadvice.com/resources/blog/the-basis-trade-is-the-bond-market-signal-distorted/ "Investor Psychology Is Sabotaging Your Returns (Chapter 2 of 5)" https://realinvestmentadvice.com/resources/blog/investor-psychology-is-sabotaging-your-returns-chapter-2-of-5/ "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ -------- Watch today's "Before the Bell" report, "Bollinger Bands Are Flashing a Warning," https://youtu.be/HA5OZbl3a4Y ------- Watch our previous show, "The Best Retirement Head Start for Your Kids," https://youtube.com/live/IqyxMopn1Uw?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BollingerBands #Investing #MarketOutlook #PortfolioManagement #BondMarket #TreasuryYields #BasisTrade #FederalReserve
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  8-21-26 The Best Retirement Head Start for Your Kids 21.08.2026 35min

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