Money Tree Investing

Corporate media is heavy on the propaganda these day! It's hard to tell what is real in the news anymore. But what we do know for sure is the Federal Reserve made a surprising decision to cut interest rates by 50 basis points, reducing the federal funds rate to a range of 4.75% to 5%. We talk the implications of this unexpected move. It's hard to understand the Fed's rationale so it's important to understand the data that may not be publicly available and questioning what signals the Fed is responding to. That's why you need to stay vigilant when it comes to the news and where you're getting your facts and data from. Today we discuss... The Fed surprised many by cutting the federal funds rate by 50 basis points, bringing it to a range of 4.75% to 5%. Concerns arose about the sudden need for significant rate cuts, indicating potential underlying economic issues. Many speculate that the Fed possesses data not publicly available, raising concerns about hidden economic pressures. The Fed's decisions are influenced by unemployment trends more than inflation or stock market performance. Speculations linger about whether the Fed's actions could influence the upcoming election, although this is not typically their mandate. Overall, the Fed's strong statements indicate a serious concern about economic conditions, prompting scrutiny and analysis from investors and economists alike. The speaker argues that news media often functions as high-grade propaganda, which can cloud rational thinking. The rise of the internet in the 1990s disrupted traditional media by providing free access to information. People shifted from relying on traditional media outlets to independent sources like blogs and podcasts. The limitations of their data access compared to government or mainstream media. The media employs attention-grabbing tactics, such as sensationalism and loud broadcasts, to attract viewership. This reliance on dramatic presentation often overshadows the delivery of accurate information. For more information, visit the show notes at https://moneytreepodcast.com/heavy-on-the-propaganda-645 Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Anthony Coniglio is here today to talk about how you can invest in cannabis stocks! Anthony co-founded New Lake Capital Partners, a real estate investment trust (REIT) focused on the cannabis sector. Today he's here to discusses the complexities of investing in cannabis! He touches on the challenges and opportunities in the U.S. cannabis market, such as state-by-state regulations, federal restrictions, and evolving consumer preferences. There is potential for medical cannabis, but there is also need for more research to enable broader investment and growth in the industry. Today we discuss... Anthony's 30 years of business experience, and how it led him to co-founding New Lake. How the cannabis market has garnered attention since Canada's legalization in 2018, with various investment opportunities emerging in both U.S. and Canadian markets. Investing in cannabis can involve direct plant-touching businesses (cultivators, manufacturers, distributors) or non-plant-touching businesses (ancillary services, real estate). Medical cannabis is supported by a majority of Americans, but research is hindered by its Schedule I status, limiting evidence on its efficacy. The Schedule I to Schedule III rescheduling proposal is still pending, with a hearing scheduled for December to address comments and opposition. The cannabis industry is highly regulated, with indoor cultivation facilities focusing on optimizing THC content. Consumer preferences are shifting towards edibles and drinks rather than raw flower, indicating potential growth areas in the industry. Hemp differs from cannabis mainly in THC content, and can be used for various industrial applications, including products with higher THC through legal loopholes. The cannabis sector faces challenges due to federal regulations affecting banking and investment, impacting liquidity and institutional involvement. There is a need for policy reform to enable better banking services and research opportunities, which could normalize the industry and recognize its significant employment impact. For more information, visit the show notes at https://moneytreepodcast.com/invest-in-cannabis-stocks-anthony-coniglio-644 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Is Ai stealing your jobs? Today we discuss how Ai is impacting the job market and inflation. We also highlight the states where people are having a lower percentage of struggle with household expenses compared to other states. We also share possible concerns about the potential negative impacts of universal basic income and the future of work. Join us today we talk about all of this and more! Today we discuss... Some states have lower percentages of adults struggling with household expenses compared to other states. The states with fewer adults struggling are mostly liberal, while those with higher struggles are predominantly conservative. Conservative states with high welfare dependency often criticize welfare systems despite benefiting from them. The debate over Universal Basic Income (UBI) continues, with concerns about its potential to cause inflation and economic issues. AI's impact on job markets is significant, affecting both creative and technical professions, and may lead to existential questions about purpose and employment. Social Security, Medicare, and pensions are projected to face financial shortfalls in the coming decade. Receiving steady, high pay without working can reduce stress but strain the labor economy, leading to higher job prices. Employment data has been frequently restated, revealing that many jobs are part-time or in government sectors. New regulations create more government jobs to enforce them, even though the original data was already accessible. There is concern that AI's ability to predict the future might be limited to avoid impacts on markets and other areas. Centralized platforms, like Google and social media, may manipulate information to shape opinions and influence outcomes. Building personal AI models could help avoid manipulation by large corporations and governments. For more information, visit the show notes at https://moneytreepodcast.com/ai-stealing-your-jobs Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Emmanuel Daniel is here today to discuss the secret future of banking! He shares his background, and how he established "The Asian Banker," a publication focused on understanding the banking and financial landscapes in Asia. He provides insights on China's economic transformation, especially in tech and AI. He also examines the secret future of banking, and how it will impact the global scale. Stay tuned as today we discuss... Daniel's experiences with the banking sector across Asia, the Middle East, Africa, and Silicon Valley. Daniel talks about his deep connections with influential people in the U.S. financial system and his unique perspective on U.S. and Chinese policymaking. China's rise, highlighting its post-Cultural Revolution recovery, WTO accession, and economic growth driven by education and infrastructure investments. The evolving landscape of banking with the introduction of new technologies like AI, blockchain, and digital banking, and the challenges and opportunities they present. The challenges of regulating new financial technologies and the impact of digital disruption on traditional banking models. Technology is forcing institutions to adapt to greater personalization in finance, society, and governance. How young generations across the world are forming new communities and subcultures enabled by digital platforms. The challenge for governments, especially in more controlled states like China, is managing and steering this newfound individual empowerment. How India represents an untapped potential with significant structural challenges, particularly within its state apparatus and governance. Future trends will focus on leveraging AI for productivity gains, rather than being paralyzed by fear of the technology. How the US is poised to lead the world in creating a new, digitized, and financialized economy, serving as a model for others. For more information, visit the show notes at https://moneytreepodcast.com/secret-future-of-banking-emmanuel-daniel-642 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Historically, every time the yield curve inverts, a recession follows, but don't fret just yet, this could be correlation, not causation. Recession tends to follow when the yield curve reverts back to normal after inversion, rather than during the inversion itself. The Federal Reserve's themselves and their actions have impacted the yield curve over the year and shifts in banking behavior can slow the economy. Changes in economic conditions and market behaviors suggest a potential recession is forthcoming, but don't panic yet, you can't predict the market. Today we discuss... The inverted yield curve occurs when short-term interest rates exceed long-term rates, which is generally considered abnormal. The Fed's recent rate hikes caused the short end of the yield curve to increase sharply, resulting in an inversion. Banks are less likely to lend during periods of an inverted yield curve because lending at a lower rate than they borrow leads to losses. Changes in how money is created may alter the predictive power of the yield curve inversion as a recession indicator. Household allocation to stocks has recently hit an all-time high, indicating extreme market complacency. Fixed income, traditionally seen as a conservative investment, became the worst-performing asset class in 2022 due to interest rate volatility. Many investors may be unaware of their true risk tolerance, having not experienced significant capital loss since the 2008-2009 financial crisis. Risk in investing includes not just losing money but also the loss of time, as shown by the S&P 500's negative performance from 2000 to 2013. Confidence in the American Dream has significantly eroded since 2012, with fewer people believing hard work will lead to success. Credit card defaults are reaching record highs, surpassing previous peaks seen during the dot-com bubble and the financial crisis. U.S. government spending is projected to increase significantly, with 87% allocated to interest expenses, Social Security, and healthcare. Food prices have reached new highs, contributing to financial stress for consumers. The cost of U.S. federal debt interest has skyrocketed, reaching $1.1 trillion annually, or $3 billion per day. There is concern that the Federal Reserve is not truly independent, with its actions influenced by government, banks, and other powerful entities. For more information, visit the show notes at https://moneytreepodcast.com/inverted-yield-curve-641 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Andrew Stotz returns to discuss World War 2.5! Having moved from the U.S. to Thailand in 1992, Stotz has extensive experience in the Thai stock market and now runs A. Stotz Investment Research. Stotz shared his perspective on U.S. dominance in Europe, the growing tension with China, and the shift of global resources, particularly in Africa. He also highlighted the increasing complexity of international compliance regulations driven by Europe's green energy transition. Learn how all this significantly impact global markets and developing nations. Today we discuss... How Andrew began a career as a sell-side analyst in 1993. Andrew's 20 years in the Thai stock market and where his experiences led him. Andrew's podcast My Worst Investment Ever, focusing on lessons from financial failures. The U.S.'s dominance over Europe and the ongoing geopolitical tensions. The potential collapse of the U.S. market and dollar is a concern for investors outside America. Uncertainty about the timing and severity of the anticipated recession. The strategic economic moves of China, particularly in Africa, and its implications for global power dynamics. The discussion includes the complexities of China's role in global capitalism and its interactions with the U.S. and Europe. Europe is criticized for exporting strict compliance and regulations, particularly around green energy, impacting global trade and development. And more! For more information, visit the show notes at https://moneytreepodcast.com/world-war-2-5-andrew-stotz-640 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

The fed is cookin' up something and today we talk about their upcoming decision on interest rates, and debate on whether and how much rates should be cut. We discuss the impact of potential rate cuts - there's concern about inadvertently stoking inflation or failing to manage a gradual economic slowdown. We also talk about market expectations, past misjudgments, and behavioral biases and how they effect investment strategies. Today we discuss... How inflation has decreased to 2.2% year over year, which is positive but may not feel beneficial to everyone. The Fed is expected to lower interest rates, with debate over whether it will be by 0.25% or 0.5%. Unemployment has risen to 4.3%, leading to concerns about a potential recession. Whether the Fed's actions are aimed at inflation control or market performance. The concept of second-level thinking in investing and the importance of understanding market expectations. How the Fed may lower rates once this year and not make multiple cuts unless there is a severe recession. Historical comparisons between past and current interest rates and unemployment rates. The importance of understanding market pricing, timing, and investor behavior. The role of behavioral finance biases, such as recency bias, in economic decision-making. Strategies for passive investing, portfolio rebalancing, and navigating the bond market in a changing interest rate environment. For more information, visit the show notes at https://moneytreepodcast.com/fed-is-cookin-639 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Kepmton Schwab is here to discuss Venture Capital (VC) investing! We also discuss the emotional and strategic aspects of selling a business and how successful sales really comes down to aligning the interests of both the seller and the buyer. We also talk about the hot trend of institutional money pouring into private companies, especially in tech and AI, and how emerging technologies can boost a company's value and more! Today we discuss... Kempton Schwab's background as a retired executive operator and business owner, now working in advisory. Kempton's story about his experience in selling his company. How successful transactions are rooted in aligning the seller's and buyer's motivations. The importance of business stability, customer base, and technology in determining company valuation and multiples. The role of AI and emerging technologies in enhancing existing value propositions rather than creating new ones. Public and private markets, and the opportunities and challenges in technology and traditional sectors. The trend of institutional money chasing private companies and how it impacts valuations and the industry. The significance of critical thinking and understanding a company's value proposition before investing. Practical takeaways for investors and business owners considering selling their companies. For more information, visit the show notes at https://moneytreepodcast.com/vc-investing-kempton-schwab-638 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Powell was in Jackson Hole last week and today we discuss some Jackson Hole Revelation on the future of the market and interest. We also talk the current election and all of the ins and outs of election strategy. Then, we veer into how social media is changing elections and how it feels like people, especially comedians, are holding back more than they used to because of cancel culture. We reflected on how trends, whether in culture or finance, often swing to extremes before eventually balancing out. Today we discuss... How neither major party is focusing on policy; Trump's policies are somewhat known, but Harris has been silent. The current strategy of staying silent and letting the press handle the narrative reflects a shift in political tactics. There is concern about electing a candidate without clear policy positions or public discourse. Social media has heightened expectations for political figures to be vocal and transparent. Criticisms of Harris include skepticism about her ability to change policies while already in office. Historical examples, such as Johnson and Kennedy, show that VPs may have differing policies from Presidents. The pendulum of cultural and political trends often swings from one extreme to the other, influencing market behavior. Social media and current cultural dynamics affect how comedy and political commentary are received. The market trends, such as real estate prices, are influenced by broader economic conditions and cultural shifts. Reversion to the mean is a concept where extreme market movements often correct back to an equilibrium. Understanding financial trends and market cycles can help in making informed investment decisions. What Powell discussed at Jackson Hole. For more information, visit the show notes at https://moneytreepodcast.com/jackson-hole-revelation-637 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Roger Silk joins us to discuss TIPs, treasuries, and inflation, and more! He explains the nuances of the repo market, potential risks, and its role in the broader financial system. Silk also touches on the impact of interest rates on asset values and the banking sector from his time at World Bank. Silk also discusses complex financial products like treasury inflation-protected securities! Join us today as we discuss... Roger discusses his background, including his PhD in applied economics and founding of Sterling Foundation Management. Roger describes his work at the World Bank, focusing on treasury operations and the repo market. The potential problems in the repo market, including issues during financial crises. How interest rates impact asset valuations and bank profits, particularly during periods of zero interest rates. The role of human capital in risk assessment and the importance of individual goals in portfolio management. The risks associated with inflation, especially in relation to complex financial instruments like TIPS. The challenges and complexities of understanding and investing in TIPS as an inflation hedge. Alternative assets like gold and farmland, distinguishing between gold as money and farmland as an investment. Roger's book The Investor's Dilemma Decoded. For more information, visit the show notes at https://moneytreepodcast.com/treasuries-and-inflation-roger-silk-636

A lot of volatility exists in the stock market right now, but did you know you can actually benefit from it? Today we talk about how market reactions are driven by expectations versus reality, with surprises like unexpected Fed actions causing significant volatility. Political uncertainty certainly has an impact on the market and you can't even rely on Wall Street predictions. That's why it's crucial to understand market sentiment and how everyone's collective behavior influences market trends over trying to predict the market itself! Today we discuss... The recent stock market volatility and the aim to understand it without getting bogged down in specifics. How market reactions often follow Fed announcements, but these are just correlations, not direct causes. How volatility can also be triggered by political uncertainty, such as the potential outcomes of upcoming elections. The Fed's future rate moves and their unexpectedness contribute significantly to market shifts. Wall Street predictions can be inaccurate, with current expectations showing a high chance of rate cuts in the future despite past errors. People don't fully realize inflation's impact because it is largely contained. Personal inflation rates, such as grocery bills or car prices, may be much higher than CPI figures suggest. The old methods of addressing inflation, like investing in the S&P 500, might not be effective against current "silent inflation." The currency market is massive, and the carry trade is typically suited for large institutions rather than individual investors. Lumber prices have dropped significantly, correlating with the housing market and broader economic conditions. Housing affordability has decreased, with higher income levels required to afford typical homes in many markets. For more information, visit the show notes at https://moneytreepodcast.com/volatility-exists-635

Do you have proper protection for your portfolio? If not, gold might be the solution for you. Rich Checkan is here today to discuss the "stealth gold market." He delves into the cultural differences in gold ownership between Eastern and Western investors. He also touches on the distinct dynamics of the silver market and the industrial uses and market behavior of platinum and palladium. We also discuss the manipulation of gold prices and the broader implications of the massive money printing and national debt on the gold market. Today we discuss... Asset Strategies International deals in gold, silver, platinum, palladium, bars, coins, certificates, and rare coins. The current gold market is described as a "stealth gold market" due to its consolidation and recent breakout. Western investors are hesitant to buy gold at high prices, while Eastern buyers and central banks support the market. There has been a significant transfer of gold from the West to the East. The premiums for gold are higher on the Shanghai Gold Exchange compared to the London Exchange. Central banks are buying gold to reduce their dollar reserves and increase holdings in gold. The silver market is also seeing interest, with silver prices at about 50-60% of their all-time highs. Platinum and palladium are primarily industrial metals, used in jewelry and catalytic converters. The demand for silver is expected to increase due to its use in green technologies like solar panels. The gold market is influenced by various factors, including geopolitical issues and economic concerns. Central bank buying of gold has been high due to concerns about the US dollar and debt. The relationship between debt, currency, and gold is often misunderstood, leading to underestimation of gold's value. For more information, visit the show notes at https://moneytreepodcast.com/protection-for-your-portfolio-rich-checkan-634 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

There's new investing framework you need to be aware of! Join us today as we discuss what it is. Today we chat about the recent performance of the S&P 500, the current economic system, which is reliant on money printing by the Federal Reserve, and the lack of viable alternatives to this system. We need to be able to adapt to new information and market conditions, even when it challenges previous assumptions. Investors to be flexible in their thinking and strategy. Join us as we discuss... The S&P 500 has seen a strong upward trend but experienced a recent decline. Recent job numbers were significantly lower than expected, causing disappointment. The current economic environment is complex, with inflation subsiding but not expected to return drastically. The system heavily relies on quantitative easing (money printing), with no easy solution to stop it without severe consequences. Asset prices, including stocks and real estate, are largely influenced by the Fed's balance sheet. Technology and crypto are seen as the primary assets that might outperform inflation. Real estate and other traditional investments may not keep up with inflation. Changing perspectives and adapting to new information is crucial for investors. Current market conditions, including potential softening and election uncertainties, may impact future performance. The framework for understanding inflation and market dynamics is evolving, and past assumptions may no longer apply. For more information, visit the show notes at https://moneytreepodcast.com/new-investing-framework-633 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Bob Elliott discusses how investing in hedge funds can be for everyone! Elliott highlighted the traditional "two-and-twenty" fee structure, common in hedge funds, private equity, and other alternative assets, which can significantly erode investor returns. His firm aims to replicate these strategies, including equity long-short and global macro, using advanced machine learning to infer hedge fund positions from return data, making them accessible at lower fees for the average investor. Today we discuss... Bob's focus to bring low-cost indexing to the world of two-and-twenty, similar to the impact of stock and bond indexing. Hedge fund strategies, despite being expensive, offer good returns with lower volatility and drawdowns compared to stocks. Various hedge fund strategies include equity long-short, global macro, fixed income, and emerging market strategies. Real-time performance data helps in understanding and replicating hedge fund strategies. The current economic cycle is income-driven rather than credit-driven, making it more durable to rising interest rates. Overvaluation and high expectations suggest that now may not be the best time to invest heavily in stocks. The similarities between the current period and the 1970s highlight the importance of diversified portfolios. Factors like de-globalization, geopolitical tensions, and inflationary pressures could influence future economic dynamics. Volatility in market expectations and the reality of economic conditions contribute to the current buoyant market despite high interest rates. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/investing-in-hedge-funds-bob-elliot-632

In the financial markets, it's common to spurious correlations based on historical data. However, the economic landscape has evolved, and banks now invest more in treasuries and borrow from the Fed rather than traditional lending. This shift questions the yield curve's predictive power. Additionally, spurious correlations show absurd links between unrelated data points, emphasizing the need for critical analysis of data to avoid misleading narratives. Today we discuss... Financial markets often draw conclusions from patterns, such as the inverted yield curve predicting recessions. Today's economy differs from 30 years ago, with banks favoring treasuries over traditional lending, altering the yield curve's predictive power. Correlation does not always imply causation; the inverted yield curve's causative effect may be weakened. Spurious correlations can be humorous but highlight the pitfalls of finding meaning in random data patterns. The bond market, at $130 trillion, dwarfs the $50 trillion US stock market and $100 trillion global stock market. The increasing debt and bond market highlight the importance of access to capital. AI's impact is currently seen as limited by many CEOs, viewing it as a potential rather than immediate profit driver. Microsoft's expenses on data centers have increased significantly, reflecting the infrastructure investment for cloud and AI services. Commercial real estate faces challenges, with significant losses on properties due to rising interest rates and reduced demand. Residential real estate is also under pressure, with 41.4% of median income now spent on new mortgages, surpassing 2008 levels. For more information, visit the show notes at https://moneytreepodcast.com/spurious-correlations-631 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

The crypto trade continues to stay strong! Do you know where to invest? Join us for an interesting conversation with Paul Rosenberg as he shares some tips and current insights on the crypto space. Paul discusses the state of Bitcoin and Ethereum, the challenges they face, and the implications of their integration into mainstream financial systems through ETFs. He also highlights the geopolitical and economic shifts impacting the global financial landscape. Today we discuss... Paul's background in electrical construction and engineering and his time in the early cypherpunk community. His early company called Crypto Hippie that provided internet privacy. Paul's monthly newsletter at freemansperspective.com. How a majority of illicit activities use traditional currencies like the US dollar. Bitcoin has remained consistent, with its value tied to supply and demand rather than being a traditional investment vehicle. Bitcoin ETFs are emerging due to high demand, with many US citizens owning some Bitcoin. Ethereum runs smart contracts and has experienced technical challenges and governance changes. Other cryptocurrencies serve as tools for specific uses rather than investment vehicles. ETFs might pull Bitcoin into wallets over which there is some regulatory control. Bitcoin can evade currency controls, making it valuable in certain situations. The global east and south are building their own monetary systems, moving away from the US dollar. Holding physical assets and stocks in real, productive companies is advisable. The US and European corporations are vulnerable as the "third world" becomes more self-sufficient. For more information, visit the show notes at https://moneytreepodcast.com/crypto-trade-continues-paul-rosenberg-630 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Did you know ice baths can help you keep a cool head when the markets experience a small pullback? They have so many additional benefits you may never thought of! In this weeks episode we discuss ice baths, the market, housing data, and more. We talk about confusing and contradictory signals in current trends, the importance of being cautious during a statistically weak period in the stock market, and watching market trends closely to make informed decisions. Today we discuss... Morning routines for stress relief and energy. The confusion and contradictory signals in current financial markets. The importance of being cautious, especially during a statistically weak period for the stock market. Watching market trends closely to make informed decisions. There is a mention of a listener, Charles, who corrected an error about the company behind Three Mile Island. How the bond market is indicating that rates may drop soon. The conversation touches on the performance of various market indexes like the S&P 500, NASDAQ, and Russell 2000. They note that the market is confusing, with different sectors showing different trends. Lightening up portfolios during the current period, which is typically weak statistically. Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/small-pullback-ice-baths-629

Join us today as Blake Christian reveals the secrets of Opportunity Zone funds. He's here to explain the flexibility and tax benefits of these funds. He highlights the program's role in encouraging investments in underserved communities. He also shares the challenges in navigating the rules and compares OZ funds with other tax deferral strategies like 1031 exchanges. Prepare to learn everything you've ever needed to know about OZ funds! We discuss... How OZ funds allow deferring capital gains if reinvested within 180 days, with potential tax-free appreciation if held for 10 years. Which six states do not conform to Opportunity Zone benefits. Over 8,000 census tracts qualify for Opportunity Zone investments, targeting underserved communities with high unemployment and welfare recipients. How OZ funds can be used for real estate and operating businesses, attracting investments into otherwise neglected areas. The complexities and potential pitfalls in structuring OZ funds, including the necessity of making proper elections and meeting improvement requirements. When combining Opportunity Zone funds with Section 1202 qualified small business stock can provide additional tax benefits. Installment sales are a simpler alternative for deferring gains but carry risks of higher future tax rates. California aggressively taxes deferred gains from 1031 exchanges and Opportunity Zones, even if the taxpayer relocates to another state. For more information, visit the show notes at https://moneytreepodcast.com/the-secrets-of-opportunity-zone-funds-blake-christian-628 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

We reveal the next hot trend and cover all the hot topics. We discuss free speech, political violence, and how bad ideas are necessary to recognize good ones. Additionally, we talk discuss energy consumption, the increasing demand driven by AI and the need for clean energy solutions like nuclear power. We also discuss the growth in data centers and the importance of investing in energy and technology sectors to address these trends. Today we discuss... Recent events including a Trump rally and an assassination attempt. Emphasis on the rejection of violence regardless of political affiliation. Importance of staying and engaging in political discourse rather than leaving. Free speech and the importance of hearing both good and bad ideas. The Biden administration's bill to expedite nuclear power plant regulations. Highlighting the energy consumption of AI compared to Bitcoin and the potential issues it causes. Investment opportunities in nuclear energy and data centers. Historical trends in energy consumption and the rise of renewable energy. Mention of technological advancements and their impact on energy needs. Discussion on the rapid growth of AI and its implications for energy consumption. Emphasis on the need for strategic solutions to meet growing energy demands. For more information, visit the show notes at https://moneytreepodcast.com/next-hot-trend-627 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Nelson Chu joins us today to discuss the rise of private credit! He's here to share how private credit emerged as a significant player post-2008 financial crisis when banks scaled back their lending. Despite his initial lack of experience in credit, Nelson was drawn to private credit for its potential to offer shorter durations, lower minimum investments, and attractive yields compared to traditional bank loans. Today we discuss... How Nelson started his career in finance, working at Merrill Lynch, Bank of America, and BlackRock. He left traditional finance to start a consulting company and then founded Percent, focusing on private credit. Non-bank lenders fulfill the ongoing demand for loans by raising money from the private credit market. How banks are finding ways to re-enter the lending market through joint ventures and leveraging other business parts. The private credit market seeing pressure due to high interest rates and increasing defaults in consumer credit. Competitive tension between banks and private credit lenders influences the cost of capital and lending rates. How Nelson's company Percent focuses more on conventional private credit opportunities rather than real estate. Lenders are being more selective in extending small business loans due to the current risk cycle. For more information, visit the show notes at https://moneytreepodcast.com/the-rise-of-private-credit-nelson-chu-626 Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Are you losing out on good investments due to confirmation bias? We often want clear, definitive answers to how to invest, but in financial markets and social media, this can be tricky. We tend to look for information that supports what we already believe, known as confirmation bias, and social media makes this worse by feeding us content that aligns with our views, creating echo chambers. The takeaway is that while data can guide us, it doesn't provide absolute certainty, and we need to stay aware of our biases and the limitations of the information we consume. Today we discuss... Understanding data interpretation is crucial; it's not about definitive conclusions but about probabilities. Our tendency to see patterns where none may exist, like with the inverted yield curve and recessions, shows how we seek certainty. Market predictions are complex; events like the 2011 gold crash challenge simplistic explanations. Half-truths, more than outright lies, mislead us because they seem plausible but aren't entirely accurate. Social media algorithms create filter bubbles, reinforcing our biases and limiting exposure to diverse viewpoints. The influence of confirmation bias in political and social beliefs is profound, shaping our perceptions of reality. Financial beliefs, like linking money printing directly to inflation, oversimplify complex economic realities. Chart crimes and misleading visuals can distort perceptions, leading to erroneous conclusions about trends. Bitcoin's price movements post-halving illustrate the complexities of market predictions and speculative fervor. For more information, visit the show notes at https://moneytreepodcast.com/confirmation-bias-625 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Join us for a fascinating episode as we welcome Barry Martin, a seasoned expert in covered call option strategy. Barry shares his insights into the growing popularity of covered call writings, discussing how they have surged from $7 billion to $75 billion in just a few years. Whether you're an experienced trader or new to options, this episode offers valuable perspectives on managing risk and generating income through covered calls. Today we discuss... How the popularity of covered option writing has surged in recent years. Barry manages $1.3 billion in option overlay strategies at Sheldon Capital Management. The decline in commission costs and increased options education have contributed to the growing interest in covered call writing. Covered call writing is most beneficial in choppy, sideways markets, slightly up or down, where income generation is a key goal. Barry emphasizes that selling options in low-volatility, low-interest-rate environments is less beneficial. Barry advocates for using defensive, market-leading stocks with significant free cash flow for covered call writing. Covered call writing is misunderstood as risky by some CPAs and advisors due to a lack of education and familiarity with the strategy. Educating oneself, starting with basic strategies like covered calls, and minimizing risk are essential for successful options trading. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/the-growing-popularity-of-covered-call-option-strategy

We are here to celebrate your independence from bad investing. Today we discuss investing, political commentary, and of course the U.S. debate. Listen in for investment insights and how politics often have little impact on stock market performance. The focus is on understanding market trends, with a detailed analysis of current market performance across various sectors, highlighting that a few high-performing stocks are driving overall market gains and more. Today we discuss... The UK's new prime minister and political changes post-Brexit. The US presidential debate between Biden and Trump, with concerns about the candidates' competency. Emphasis on the lack of substance in the debate and questions about who is actually running the country. Discussion on the perceived gaslighting by political parties and media. The importance of consistent investment strategy irrespective of political changes. Market performance trends, focusing on high-performing stocks driving overall gains. Advice on the benefits of indexing and diversification in investments. Concluding thoughts on maintaining a disciplined investment approach despite market or political volatility. For more information, visit the show notes at https://moneytreepodcast.com/independence-from-bad-investing-623 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Patricia Roberts joins us today to discuss how to give the gift of college with a 529 plan. She has spent over two decades guiding parents on how to prepare for the high costs of higher education and avoid the burden of student loan debt. Patricia played a pivotal role in launching a nonprofit program in New York City, providing seed money for college to 200,000 public school kindergartners. Now, Patricia works with Gift of College, bringing 529 education and student loan repayment benefits to workplaces. Today we discuss... The insights and expertise of Patricia, a seasoned professional in college financial planning. How to prepare for the high cost of higher education and avoid student loan debt. How a 529 benefits can be passed to the family. How Patricia helped launch a nonprofit program in New York City that provided seed money for college to 200,000 public school kindergartners. Gift of College and how they promote 529 education and student loan repayment benefits in the workplace. Patricia's book Route 529. For more information, visit the show notes at https://moneytreepodcast.com/give-the-gift-of-college-patricia-roberts-622 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Pro College Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Did you know your food choices effect your investing? Take the time to think about investing and the importance of knowing what you're getting into. Just like you should understand the food you eat, you should understand your investments. Our brains look for shortcuts, but skipping the details can lead to poor decisions. Whether it's food or stocks, doing the homework is crucial. This week we discuss... The differences in food ingredients in the US, which use artificial dyes and corn syrup, compared to other countries that use natural ingredients. How the brain's pattern recognition and shortcuts can affect investing and emphasizes the importance of doing thorough research. How few people actually do the hard work and most rely on others. The need to understand what you are investing in just like you need to understanding what you are eating. The importance of understanding market trends, particularly in gold and silver. Using caution when investing in gold miners due to their volatility and boom-bust cycles. The benefits of investing in royalty companies for their low capital requirements and consistent returns. Happy Independence Day! For more information, visit the show notes at https://moneytreepodcast.com/your-food-choices-effect-your-investing-621 Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/your-food-choices-effect-your-investing-621

Today we welcome Jason Crawshaw from Polaris to talk about investing in international markets. Originally from South Africa, he is now a portfolio manager here. His journey's been a rollercoaster, from business school in the US to cutting my teeth in Johannesburg's equity market. Now, for over a decade, he's called Polaris home, focusing on global value. Lately, he is locked on international plays, whether it's established or emerging markets. Learn more about the future of investing in international markets! T his week we discuss... Jason's experience in the equity market, particularly in fundamental equity analysis, with a focus on cash flow generation. How Jason's investment strategy revolves around discounted cash flow analysis, particularly focusing on maintenance cash flow adjusted for inflation. Jason's preference for international markets over the US due to perceived value opportunities. The dominance of the US in global equity markets and the potential overvaluation compared to other regions. Regions like Europe and their economic challenges, energy concerns, and regulatory issues. Emerging markets: past enthusiasm and current challenges, especially in China. Africa as a frontier market with demographic advantages but also currency and governance challenges, making it difficult for equity investors. The importance of capital allocation and shareholder returns, and the impact of management decisions on stock performance. For more information, visit the show notes at https://moneytreepodcast.com/investing-in-international-markets-jason-crawshaw-629 Today's Panelists: Kirk Chisholm | Innovative Wealth Megan Gorman | The Wealth Intersection Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Did you know that Willie Mayes can teach us a lot about the stock market? Baseball and investing may have more in common than you think! We talk market statistics, market inefficiencies and arbitrage -- once a profitable strategy is widely known, it loses effectiveness due to widespread adoption (think the short squeeze on GameStop). We also discuss the potential decline of the US dollar's dominance as the world's reserve currency and the direction energy sources may go in the future. It's important to be financially prepared! Today we discuss... Market statistics and sports statistics can be loosely tied together, with both requiring consideration of multiple metrics for evaluation. There is no single metric that defines the best stock or the greatest player in sports. Efficient market theory suggests that market inefficiencies are arbitraged out over time as more people exploit them. How hedge funds often exploit small arbitrage opportunities, but these opportunities may disappear once they are widely known. Momentum trading strategies can lose effectiveness as more market participants adopt them. How some investors track congressional actions and use them as indicators for investment decisions, but this strategy may lose effectiveness over time. Roaring Kitty's success with GameStop illustrates how retail investors can challenge institutional investors by exploiting publicly available information. The Senate passed a nuclear bill aimed at reducing costs and expediting the permitting process for nuclear energy projects. The expiration of a 50-year trade agreement with Saudi Arabia signals a shift in global power dynamics and highlights the need for the US to transition to alternative energy sources. For more information, visit the show notes at https://moneytreepodcast.com/willie-mayes-can-teach-us-619 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Today we discuss the financial industry and the cycles of business. We have Liz Young from SoFi here to discuss her role in producing investment-related content across various platforms. The strategist shares insights into her career journey, emphasizing the importance of being open to unexpected opportunities. Liz advises young professionals to explore different roles to discover their interests. We also talk market dynamics, Fed policies, and inflation! Join us as we discuss... Investment-related content across various platforms for SoFi. Macroeconomic trends and their impact on capital markets. The importance of seizing opportunities in one's career. The significance of workplace environment and personal skills for career satisfaction. Embracing discomfort and learning from mistakes early in one's career. The unpredictability of the finance industry and the need for resilience. The influence of market conditions on personal happiness and resilience. Considering the business cycle as a mental model for navigating market volatility. The challenges of identifying the current phase of the business cycle. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Today's markets have been quite uneventful, but consumer sentiment leads the way! Consumer confidence is down, potentially influenced by upcoming election concerns and negative economic rhetoric. The breadth of stocks above their 50-day moving averages is low, indicating a bearish tone, despite strong performance in the tech sector, particularly semiconductors, driven largely by Nvidia. This uneven performance highlights the importance of staying agile and adaptable in investment strategies, as the economic environment is constantly shifting. Today we discuss... How the markets have been quite boring due to a lack of significant movement. The Dow Jones Industrial Average has been almost flat. Only twelve stocks in the entire S&P 500 have hit new 52-week highs recently. There are concerns about the economy and potential election results influencing market sentiment. Real estate prices continue to rise despite affordability issues. Growth stocks, particularly in the tech sector, are outperforming value stocks. The US stock market is outperforming the rest of the world. Modern Dow Theory suggests semiconductors are the new transports, indicating their importance in the current market. Many indicators suggest caution is warranted in the current market environment. Technology and AI, particularly companies like Nvidia, are driving market performance. Inflation has significantly increased the cost of living, requiring much higher incomes to maintain the same standard of living as in the past. For more information, visit the show notes at https://moneytreepodcast.com/consumer-sentiment-leads-the-way-617 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Do you think there are conspiracies in common financial practices? I do. Michael Edesess thinks so too. He thinks there may be some conspiracies with pensions as well. He explains why strategies like rebalancing, diversification, mean variance optimization, and tax loss harvesting might not be as beneficial as they seem. Michael sheds light on how institutions like Ivy League endowments and public pension funds waste billions on active management that underperforms simple market indices, driven by the industry's profit motives rather than investors' best interests. Today we discuss... Michael's unexpected entry into the finance world, influenced by a classmate's suggestion to explore a brokerage firm using mathematics. Why the finance industry and its practices, such as rebalancing and tax loss harvesting, fundamentally flawed. Michael's perspective on rebalancing, challenging the belief that it improves investment returns, and why he believes this advice is often misguided. The misconception of diversification in mutual funds and clarify the real benefits of diversification according to Harry Markowitz's theory. Modern portfolio theory (MPT) and Michael's critique of its practical application, especially concerning mean variance optimization. Why tax loss harvesting is not as beneficial as commonly perceived and the costs associated with it. Robo advisors, their cost efficiency, and why Michael believes they still don't offer significant value over simple index funds. The inefficiency and high costs of investment management for Ivy League endowment funds and public pension funds, labeling the industry as a conspiracy of inefficiency. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/conspiracies-in-common-financial-practices-michael-edesess-616

Mr. Roaring Kitty and stonks are back! Today we have a discussion about GameStop's recent stock movements and the role of individual investors in market volatility. We also talk about asset allocation, the current disparity between large-cap and small-cap stocks, and the potential implications of rising interest rates. Today we discuss... Mr. Roaring Kitty's return and his influence on GameStop's stock. The importance of mindset in success, regardless of external circumstances. Challenges to the statement that wealthy people succeed due to access to opportunities. GameStop's stock, its volatility, and market speculation. Structured products as potentially misleading investments influenced by institutional interests. The difference in performance between large and small-cap stocks, influenced by inflation and interest rates. Business development companies' reliance on floating rates and potential risks from rising interest rates. The complexity of understanding business development companies and their investment potential. Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/stonks-are-back-615

Do you think that Bitcoin can reshape the economy for a better future? Today Jeff Booth is here to discuss the future here sees for the economy and Bitcoin's role in it. Jeff believes that inflation, caused by governments manipulating money supply, is unsustainable. He sees Bitcoin as a decentralized solution. Despite challenges, he's optimistic about Bitcoin's potential to reshape the global economy. Today we discuss... The idea that the natural state of a free market is deflation, where prices fall as technology advances. He argues that inflation, caused by governments manipulating money supply, is unsustainable and leads to a control system rather than a free market. How Bitcoin is seen as a decentralized solution to this problem, providing a pathway to a more abundant future. Jeff highlights the importance of understanding deflation and its impact on the economy, especially in comparison to inflation. While Bitcoin adoption is growing, there are still hurdles to overcome in making it easier for people to use. How other cryptocurrencies as scams - Bitcoin stands out as the only decentralized and secure protocol. For more information, visit the show notes at https://moneytreepodcast.com/can-bitcoin-reshape-the-economy-jeff-booth-614 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Nuclear energy is coming sooner than you think! Today we discuss the sudden shift in media coverage around energy, where negative talk about nuclear power has vanished, and the hype around wind, solar, and other green technologies has faded. Recently, the White House announced support for large-scale nuclear reactors, emphasizing their necessity for climate goals, marking a significant policy shift. This change in media and government stance indicates a growing recognition of nuclear energy's practicality as a crucial component of our clean energy future. Today we discuss... The cessation of negative discourse around nuclear energy and the halt in positive rhetoric about alternative technologies like wind and solar. Curiosity about the uniformity of media narratives and the concept of the persuasion bubble. The need to analyze media narratives critically and avoid being swayed by sensationalism. Recent governmental support for large-scale nuclear reactor development. Challenges in energy infrastructure hindering the adoption of alternative energies. Reflections on market valuation trends and the importance of caution in investing. Observations on Nvidia's growth and historical parallels with tech giants' valuations. Significance of positive developments in various sectors, despite political complexities. For more information, visit the show notes at https://moneytreepodcast.com/nuclear-energy-is-coming-613 Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Oliver gives us the scoop on Truflation, the solution to finding alternative data on all the economic data. Forget CPI and PCE—Truflation offers a fresh perspective, scooping up real-time data from various sources. Oliver dives into why traditional metrics miss the mark, explaining how Truflation tackles these issues using multiple data sources. Oliver urges us to think beyond the usual metrics and consider real-world factors shaping our economic outlook. Today we discuss... How Truflation offers an alternative view of inflation compared to traditional metrics like CPI and PCE. How Truflation tracks over 14 million items daily from 40 different data sources. Traditional metrics like CPI use outdated methods and surveys. Why customers adapt their spending, often switching to cheaper products. Market reactions often depend on government-reported numbers like CPI and PCE. Historical data revisions by government agencies can cause market instability. Housing costs are weighted differently by Truflation compared to CPI. Major companies like Unilever and General Mills adjusting prices due to consumer pushback. Global trends show a downward trajectory in inflation, but with variations. Concerns include high household debt and potential stagflation. How monitoring consumer expenditure, household debt, and delinquency rates is crucial. Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Pro College Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter: https://twitter.com/MTIPodcast

Crypto Week was a double header. ETH ETFs are approved but not yet live. CBDC's area dead... or just sleeping... Don't count them out, but we can party today. Also in the news... US tax trends can get tricky! No matter where you fall on the political spectrum, I think we can all agree, no one wants to pay higher taxes. Today we also discuss the nature of markets. Managing risk is crucial, especially during downturns. Success in investing requires understanding your emotions and personal risk tolerance. Today we discuss... Markets fluctuate: they rise about 70% of the time, fall 30%, and rarely move sideways. Understanding market risk is crucial for managing investments during downturns. Investors' risk tolerance shifts with market conditions. Emotional responses to market movements often lead to poor decision-making. Studies suggest that individuals who don't frequently check their investments tend to perform better. Various factors, including government policies, influence market dynamics. Government decisions on CBDCs may impact currency stability and investment strategies. Concerns about hyperinflation should be tempered by an understanding of historical inflation trends. Calls for higher taxes on the rich may not yield desired outcomes and could lead to unintended consequences. Aligning policy with human nature can lead to more effective outcomes in economic governance. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Stan "The Annuity Man" Haithcock shares annuity truths and how to make informed decisions. Stan's all about cutting through the fog of annuities, giving it to you straight. We've had him on before, and it's always a good time. With a background in major finance firms, he ditched Wall Street to focus on annuity truths. His motto? Annuities are about what they'll actually do, not what they might. Stan's here to clear up the misconceptions and help you make informed decisions for your financial future. Today we discuss... The importance of focusing on what annuities will actually do, not speculative promises Understanding annuities as contracts and making decisions based on contractual guarantees Warnings against buying annuities for growth and Stan's advice to ask hard questions and seek clarity on contractual terms The explanation of different types of annuities, stressing the importance of choosing the right one for individual needs. The misconceptions about annuities as tax-free income sources or vehicles for infinite banking strategies The role of annuities in retirement accounts, emphasizing the need to focus on contractual guarantees rather than seeking double tax deferral Today's Panelists: Kirk Chisholm | Innovative Wealth Megan Gorman | The Wealth Intersection Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/annuity-truths-stan-the-annuity-man-610

Let's talk about the meme stock craze and how it impacted Jim Simons! Today we also highlight rising credit card and auto loan delinquencies, the depletion of post-pandemic savings, and financial strains from higher costs of essentials amid high interest rates. And did you know there was also brief resurgence of meme stocks like GameStop and AMC? Join us as we discuss... Jim Simons' investment success using mathematical models. "The Man Who Solved the Market" book by Greg Zuckerman. The Renaissance Technologies and its significant returns. The impact of wealth and charitable giving. Examination of tax strategies and the concept of presidential libraries. Debate on credit card debt and utilization rates. Discussion on the rising cost of living and inflation. Mention of the recent surge and drop in meme stocks like GameStop. Commentary on the Federal Reserve's role in managing financial crises. For more information, visit the show notes at https://moneytreepodcast.com/the-meme-stock-craze-609 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Chad Willardson shares insights into how to he helps to encourage good financial habits for entrepreneurs. Chad shares his journey from Merrill Lynch to founding his own firm and sheds light on the rollercoaster ride of managing finances for entrepreneurs. Chad highlights the value of cultivating good financial habits, no matter where you are on your wealth journey. Today we discuss: Chad's background, including nine years at Merrill Lynch and founding Pacific Capital in 2011 Chad's clientele, focusing on entrepreneurs with at least $10 million to invest The unique financial needs and challenges of entrepreneurs How entrepreneurs typically have a higher risk tolerance and unique approach to financial planning The asset-rich but cash-poor nature of many entrepreneurs The perpetual entrepreneurial mindset and generational wealth transfer The importance of financial education and family planning to navigate wealth responsibly Cultivating financial discipline and good habits at any stage of wealth accumulation Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/financial-habits-for-entrepreneurs-chad-willardson-608

There are so many different narratives of investing that it's important to know when you need to think twice. Today we delve into the murky waters of legislative bills and how they're often loaded with hidden surprises. We also navigate the labyrinth of regulatory standards and keep a keen eye on broader economic trends, like shifts in commodities such as gold and natural gas. Ultimately, it's about staying sharp, questioning the mainstream narrative, and making informed decisions in both politics and investing. Today we discuss... Politics and its perceived distance from everyday life sparks disengagement due to a lack of perceived impact. How legislative Bills often have hidden agendas. Investing requires staying informed and questioning mainstream narratives. The Fiduciary Rule, while seeming beneficial on the surface, raises complexities and implications for financial advisors and investors. Analyzing trends in commodity markets like gold and natural gas is crucial for investment strategies. Large nonprofits' operations and tax reforms are topics for consideration to enhance societal contributions. Emphasizing skepticism and critical analysis is essential for evaluating narratives and making informed decisions. Market trends, including rising interest rates, affect commodities like gold. Centralization versus decentralization trends affect various sectors, including investing. The fiduciary standard's implications reveal fundamental contradictions and challenges in the financial industry. Nonprofits' significant wealth accumulation raises questions about taxation and societal contributions. Skepticism and critical thinking are crucial for navigating complex narratives in politics, investing, and societal issues. Investing in commodities like natural gas requires understanding seasonal trends and economic indicators. Understanding narratives and trends is essential for making informed investment decisions and navigating complex financial landscapes. Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/narratives-of-investing-607

James Davolos from Horizon Kineticsm discusses the challenges of conventional wisdom in the world of investing. This exciting discussion delved into the intricacies of market dynamics, particularly focusing on the enduring trend of growth outperforming value. Davolos dissected the evolution of this trend, attributing it to factors such as passive investing, low-interest rates, and fiscal spending. Throughout, Davolos provided nuanced insights and offered a thought-provoking analysis of current market conditions. Today we discuss: Factors contributing to the divergence between growth and value investing Historical context of value outperformance following the tech bubble burst Examination of market structure and the dominance of passive investing Challenges for value investors amid the current market dynamics Potential transition points for a shift in market dynamics Analysis of fundamental and market structure factors affecting investment strategies Consideration of the real estate market's sensitivity to interest rates Debate on the sustainability of fiscal spending and its implications Impact of rising interest rates on the economy and financial markets Davolos' perspective on the significance of real yields and the value of the US dollar Resilience of gold prices despite headwinds from real yields and the US dollar For more information, visit the show notes at https://moneytreepodcast.com/challenging-conventional-wisdom-james-davolos-606 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Did you know your brain is broken? Today you find out why! In this episode we talk about coffee and humor and of course the stock market. We get into some deep stuff about cognitive dissonance and how it messes with our heads. Of course the conversation reroutes to investing. You gotta stay flexible and open-minded with your strategies. It's all about rolling with the punches and being willing to adapt, you know? Today we discuss: How history can't be viewed through the same lens as the present; it's a different time period. The understanding of science evolves over time; what was once believed as truth may be debunked later. Investing strategies, like buy and hold, may not always be effective and require flexibility. Cognitive dissonance affects how people process conflicting information and form new realities. How regularly evaluating investment decisions is essential to adapt to changing market conditions. Sentiment in markets can shift unpredictably based on perceived threats or opportunities. How the top five careers of millionaires as presented by Dave Ramsey's survey may surprise you! We also answer a listener question! For more information, visit the show notes at https://moneytreepodcast.com/your-brain-is-broken-605 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Joseph Furnari comes on to discuss his technical analysis model for investment strategies. By combining fundamental knowledge with technical insights, Joe has crafted a simple yet effective model that prioritizes key indicators such as stock price, moving averages, and trend patterns to predict future performance while minimizing complexity. Joe's journey exemplifies a disciplined and systematic approach to investing, guided by a deep understanding of both fundamental principles and technical analysis techniques, driving ongoing research and refinement to optimize portfolio performance. Today we discuss: The importance of technical analysis for investors seeking a robust methodology Joe's frustrations with common investor mistakes led him to explore technical analysis How Joe's technical analysis model focuses on key indicators such as stock price, 10-day, and 200-day moving averages, aiming for simplicity and effectiveness How through meticulous backtesting spanning over 50 years, Joe refined his model to accurately predict market movements and optimize investment decisions The methodology that involves owning individual stocks, with a screening process to identify top opportunities guided by Joe's model's logic How risk management in Joe's model is primarily based on technical analysis indicators, with sell rules designed to mitigate potential losses and optimize returns For more information, visit the show notes at https://moneytreepodcast.com/technical-analysis-model-joseph-furnari-604 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Pro College Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

The housing market has been a wild ride since COVID hit, with remote work driving people inland for cheaper homes, though rising interest rates are making it tougher to afford. Surprisingly, despite talk of a housing bubble, foreclosures remain low, suggesting people aren't panicking just yet, despite increasing credit card debt. It's a mixed bag out there, but that's the market for you – always keeping us guessing! Today we discuss: Market expectations of rate cuts not materializing as previously predicted Market prediction metrics and data gathering from betting sites Concerns about economic slowdown despite higher inflation rates Potential impact of economic conditions on labor market and consumer spending Caution against hyperinflation fears, emphasizing gradual economic changes Overview of housing market trends, including regional shifts and affordability challenges Analysis of housing inventory levels and their implications for market dynamics Comparison of home price changes across different regions and time periods Examination of foreclosure rates as indicators of financial stress in the housing market For more information, visit the show notes at https://moneytreepodcast.com/the-housing-market-603 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Kristen Ragusin joins us to explore central bank digital currencies (CBDC). Kristen has had quite the journey with money. It all started when she was just five years old, earning her allowance by explaining stock markets to her dad. After college, she spent 28 years at Merrill Lynch, managing money and building a practice. Now, she's at Raymond James doing more of the same. But her passion extends beyond traditional finance; she's also a money reformer, advocating for changes in the money system to create freedom and prosperity. Today we discuss: Insights on the financial crisis of 2008 Kristen's views on cryptocurrency and blockchain Implications of banks creating money and it's ties to consumer debt Predictions for the future of money and finance Discusses the impact of CBDCs and the need for public awareness and pushback Distinction between digital money and blockchain Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Megan Gorman | The Wealth Intersection Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/exploring-central-bank-digital-currencies-kristen-ragusin-602

Today we talk about chart crimes! We dive into how charts can sometimes tell a misleading story. We have to stress the importance of looking beyond the surface and understanding the narratives behind the data. This chat is full of insights into the complexities of investing and the importance of staying adaptable in the ever-changing market landscape. Today we discuss: The concept of "chart crimes" and how charts are used to convey specific narratives Discussion on the performance of different asset classes over time, including equities and bonds Emphasis on understanding economic cycles and paradigm shifts in shaping investment strategies Considerations for adapting investment approaches to changing market conditions Exploration of strategies like stock buybacks, dividend investing, and sector rotation Caution against the simplistic narrative of buy and hold, highlighting the importance of nuanced decision-making Acknowledgment of the complexities and risks involved in market timing and investment decision-making For more information, visit the show notes at https://moneytreepodcast.com/chart-crimes-601 Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

We're spending time answering your listener questions about investing! Picture diversification like a balanced diet for your money, protecting against market surprises. Learn from mistakes to avoid emotional investing pitfalls. Doug warns about missing out on employer perks, while Barb stresses portfolio balance. Follow these tips for savvy investing and financial advice! Diversify investments across various assets for stability Learn from emotional investment mistakes to avoid chasing returns Utilize employer retirement plans for long-term growth Regularly review and adjust portfolios to align with goals Make informed decisions regarding student loan debt and education expenses Prioritize diversification and informed choices in financial planning How to access your risk tolerance Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Pro College Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

We discuss the life of Daniel Kahneman, a pioneer in behavioral economics who challenged conventional economic thinking. His work reshaped how we view decision-making and market behavior. We also discuss investment strategies, touching on the idea of comparing assets using technical analysis to gauge opportunity costs. Understanding trends before diving into investments is key, as it helps investors make more informed decisions. Join us for another though provoking conversation as we discuss: Daniel Kahneman, father of behavioral economics, passed away at 90 How Kahneman's work challenged traditional economic assumptions about rationality and market efficiency Kahneman's experiments highlighted cognitive biases in decision-making Reflecting on Kahneman's legacy, how investors are encouraged to explore his work and its implications for decision-making Technical analysis and emphasizing the importance of comparing assets to identify investment opportunities The example of Apple's performance relative to the S&P 500 illustrates the concept of opportunity cost in investing Using natural gas as an example of applying both technical and fundamental analysis to investment decisions For more information, visit the show notes at https://moneytreepodcast.com/daniel-kahneman-599 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

This week we interview Dave Foster, a 1031 expert and Qualified Intermediary. We dive into the benefits of using 1031 exchanges and how it can enhance the returns of your real estate investments by savings on taxes. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/tax-benefits-of-1031-exchanges-david-foster-598

We explore stock market expectations and how to affect your performance. Is your crystal ball a bit foggy? That uncertainty sends stock prices on a wild rollercoaster ride. Watch out for curveballs, like when interest rates and stocks go on totally different paths, making us rethink everything we thought we knew about investing. Bottom line... The market's a tricky beast, always keeping us on our toes! Today we discuss: Volatility arises as the market reacts to unexpected news and adjusts stock prices accordingly Lower-than-expected earnings can cause a stock's price to drop, reflecting a reevaluation of its value Market volatility is driven by discrepancies between actual and expected outcomes Anomalies like mispriced stocks present opportunities for investors to capitalize on market inefficiencies Traditional assumptions about market behavior may be challenged by shifts in dynamics, such as the disconnect between interest rates and stock prices Continuous scrutiny of assumptions and adaptation to changing conditions are essential for understanding market behavior For more information, visit the show notes at https://moneytreepodcast.com/stock-market-expectations-597 Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast

Dive into the world of investing in EFTs as we're joined by Bruce Bond, a seasoned expert who's been around the block in the industry. Bruce brings a wealth of experience, having started from the ground up, selling bonds and eventually venturing into the world of ETFs. From his early days at PowerShares to his current gig at Innovator Capital Management, Bruce has seen it all and has some fascinating stories to share. We'll be tracing Bruce's journey through the financial landscape, from the highs of launching innovative ETFs to the challenges of navigating market turbulence. Plus, we'll dig into the nitty-gritty of financial innovation, chatting about how ETFs have revolutionized investing and exploring new strategies to tackle today's unpredictable markets. So, buckle up as we embark on this enlightening conversation and uncover the secrets to thriving in today's ever-changing financial world! Today we discuss: Bruce's journey from bond sales to founding PowerShares and Innovator Capital Management The evolution of financial products, particularly the rise of thematic ETFs Advantages of ETFs over traditional investment vehicles for investors Innovative strategies to navigate market volatility and uncertainty Bruce's insights into the future of finance and investment trends The role of technology in shaping the future of financial services Opportunities and challenges in today's dynamic market environment Bruce's vision for the future of Innovator Capital Management and its impact on investors For more information, visit the show notes at https://moneytreepodcast.com/investing-in-efts-bruce-bond-396 Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Tim Baker | Metric Fin Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast