The Real Investment Show Podcast

Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=WoSPpnkGW2o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Market Panic? It's Just a 3% Pullback" is here: https://www.youtube.com/watch?v=Gs3bObsvk0c&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Sumnmit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "Indicators & Income: What Retirees Must Know (Who Can You Trust)?" is here: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketToday #MarketPullback #PreMarketUpdate #BitcoinAnalysis #TechnicalAnalysis #RetirementPlanning #PensionVsLumpSum #RetirementIncome #FinancialEducation #InvestingBasics

Markets are pulling back and investor anxiety is rising, with the S&P down about 3% from the peak and the NASDAQ off roughly 5%. Headlines warn of "relentless selling," but this is exactly what happens after a powerful rally. We just experienced one of the strongest six-month runs since 1990—corrections are part of the process. In today's pre-market update, we break down why this drawdown isn't a crisis, why risk management matters even in bull markets, and how investor narratives can quickly fall apart. The recent weakness in Bitcoin and NASDAQ lines up with technical signals that flashed weeks ago, including a clear MACD sell on Bitcoin. This isn't the end of the world. It's how markets work. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=Gs3bObsvk0c&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #StockMarketToday #MarketPullback #PreMarketUpdate #BitcoinAnalysis #TechnicalAnalysis

Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the "decumulation" phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- The latest installment of our new feature, Before the Bell, "S&P 500 Breaks 50-DMA: Don't Panic" is here: https://www.youtube.com/watch?v=OZ4-aOC7VqQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Sumnmit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "Full Market Cycles: Why Bull Runs Always Meet Their Match," is here: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #SP500 #50DayMovingAverage #StockMarketCorrection #PreMarket #Investing2025 #RetirementPlanning #TechnicalAnalysis #RSI #MACD #FinancialEducation

The S&P 500 just broke below its 50-day moving average (50-DMA) for the first time in 199 days – the longest streak since the bull run began. Is this the start of a major correction or just another fake-out? In today's pre-market video short, we break down: Why yesterday's break of the 50-DMA actually matters What the MACD and RSI are telling us right now Why everything is moving together: stocks, small-caps, Nasdaq (QQQ), international, emerging markets, gold, and even Bitcoin The danger of high correlation across all asset classes in 2025 Historical seasonality: the last 2 weeks of November are usually strong Key takeaway: Don't panic-sell yet. Wait 2–3 days to see if the S&P closes back above the 50-DMA. Buyers often step in exactly at these widely watched levels. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=OZ4-aOC7VqQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #SP500 #50DayMovingAverage #StockMarketCorrection #PreMarket #Investing2025

Full market cycles matter more today than at any point in the last 15 years. Lance Roberts breaks down why valuations, history, and market structure all point to a simple truth: Every bull market is only half the story. The other half is the bear. Lance's approach isn't bullish or bearish. It's risk-focused. Your job as an investor isn't to predict the next crash—it's to avoid catastrophic losses that erase years of gains during the completion of a full market cycle. 0:00 - INTRO 0:27 - Market Moves Will Hinge on Nvidia 4:18 - Markets' 3rd Test of 50-DMA 8:46 - Why Berkshire Lags the S&P 10:36 - Economic Acceleration Expectations for 2026 14:01 - Consumer Spending Drives Economic Growth 17:42 - Economic Consolidation is Underway 21:45 - Half of Expected Cap-Ex Spending Will Support Economic Activity 23:48 - Full market Cycles Encompass Bulls & Bears 28:20 - A History of Markets' Performance 29:58 - Market Cycles Have Rhythm - The Wycoff Cycles 31:52 - There is No Evidence of Imminent Crash 33:42 - Full market Cycle Analyses 35:22 - Navigating Markets Now 37:51 - Betting Against Buffett 40:59 - Market Dynamics Can Drive Bull Markets for a While 42:42 - Data Deluge & Comming Attractions 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- The latest installment of our new feature, Before the Bell, "Is a Market Top Forming?" is here: https://www.youtube.com/watch?v=M9ZcmcDNCM8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Open Enrollment Traps to Avoid This Year" is here: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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 #Premarket #TechnicalAnalysis #NvidiaEarnings #InvestingNews #MarketCycles #InvestingStrategy #BearMarket #StockMarketAnalysis #Valuations

Markets tested the 50-DMA for the third time since October on Friday—and once again, buyers stepped in to defend support. Futures are pointing higher this morning, but the setup still looks like a weak open for Wall Street. With upside resistance near 6,900, the market remains stuck in a well-defined trading range. The big catalyst this week? Nvidia earnings, which could determine whether this consolidation resolves higher—or if we're watching the early stages of a topping process. Short-term signals remain on a sell, and relative strength is cooling. But bullish year-end factors like corporate buybacks, momentum chasing, and neutral professional sentiment continue to provide a floor. In this environment, the message hasn't changed: Stay disciplined. Manage your risk. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=M9ZcmcDNCM8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #StockMarket #Premarket #TechnicalAnalysis #NvidiaEarnings #InvestingNews

Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which "it'll never happen to me" benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the "fun stuff" like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Market Rotation Fueling New Highs," is here: https://www.youtube.com/watch?v=jm-ZtvJ12Fk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "QE Is Coming: Why Fed Liquidity Now Runs the Entire Market," is here: https://www.youtube.com/watch?v=-YZaHtreohI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2&t=93s------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #OpenEnrollment #EmployeeBenefits #FinancialPlanning #HealthInsurance #MoneyTalk

The scent of QE is back. With overnight funding markets flashing early stress and NY Fed President John Williams hinting at "gradual asset purchases," it's clear: the liquidity cycle is turning again. But the real question is why markets have become so dependent on the Fed in the first place. Lance Roberts & Michael Lebowitz break down how the 2008 financial crisis fundamentally rewired market plumbing, sidelined private liquidity providers, and turned the Federal Reserve into the primary—and often the only—source of liquidity in the financial system. 0:00 - INTRO 0:20 - Government Shutdown Concludes - Deluge of Data to Follow 3:04 - Dow 48,000 9:43 - Will the Fed Cut Rates? 13:21 - Why the Rush to Cut Rates? 17:14 - What's Causing Turmoil at the Fed? 20:42 - What Changed w Bank Reserves? 24:31 - Capital Rules, Liquidity Rules, & Disincentives 26:20 - Breaking the Buck 28:45 - The Fed-led Liquidity Regime 30:32 - What Are the Drivers of Elevated Valuations? 34:10 - When the Government Spends Money... 37:42 - What Would Michael Do (if he was Fed Chairman) 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "QE Is Coming: The 2008 Roots Of Fed Dominance" https://realinvestmentadvice.com/resources/blog/qe-is-coming-the-2008-roots-of-fed-dominance/ -------- Watch Today's Full Video on our YouTube Channel: ------- The latest installment of our new feature, Before the Bell, "Market Rotation Fueling New Highs," is here: https://www.youtube.com/watch?v=jm-ZtvJ12Fk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "ow to Spend Without Regret: Strategies for Enjoying Retirement," is here: https://www.youtube.com/watch?v=saML4wbTAtg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=47s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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 #MarketUpdate #TechnicalAnalysis #SectorRotation #TechStocks #Staples #Discretionary #Amazon #Tesla #Healthcare #Premarket #FederalReserve #QuantitativeEasing #MarketLiquidity #2008FinancialCrisis #InvestingInsights

Markets posted a fourth straight day of gains, reclaiming the 20-DMA and pushing back toward all-time highs—with the Dow breaking above 48,000 for the first time. The bullish trend remains intact as a momentum buy signal sits on the verge of triggering. Under the surface, rotation is driving the story. Healthcare continues to outperform, even outpacing Tech. Staples are starting to recover from deeply oversold levels, with a potential momentum shift if they clear the 20- and 50-DMA. Finance is improving from oversold conditions with strengthening relative strength. Meanwhile, Disney beat earnings and boosted buybacks, though content remains its weak spot. Amazon continues to support Consumer Discretionary, but strip it out, and activity slows noticeably. If this rotation out of Tech continues, these beaten-down sectors could help push markets even higher into the end of the week. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=jm-ZtvJ12Fk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #StockMarket #MarketUpdate #TechnicalAnalysis #SectorRotation #TechStocks #Staples #Discretionary #Amazon #Tesla #Healthcare #Premarket

Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you've achieved financial independence. Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt: Why it's okay to enjoy what you've earned How to enjoy your wealth without overspending The emotional side of leaving the "accumulation" mindset Practical withdrawal and income strategies for peace of mind 0:19 - A Deluge of Data Coming 4:36 - Market Rotations and Maintaining Momentum 8:48 - Tariff Rebates & 50-Year Mortgages 15:43 - Spending in Retirement Without Regret 20:15 - What Will You Do in Retirement? 21:22 - Mrs. Roberts' Wiffleball Tournament 24:15 - What Will You Do with Your Time & Money? 26:24 - The Question of Longevity in Retirement 29:13 - It's Okay to Touch the Principle 32:43 - The Need for an Advocate 34:46 - Budgeting in Retirement 37:26 - What Do You Want to Do in Retirement? 40:01 - It's Okay to Spend Your Money 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=saML4wbTAtg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=47s ------- The latest installment of our new feature, Before the Bell, "XLE Energizes Markets," is here: https://www.youtube.com/watch?v=8dRFc_XWbPc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Old-School Money Rules Our Kids Need to Hear," is here: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketToday #XLE #EnergyStocks #MarketRotation #InvestingStrategy #RetirementPlanning #FinancialFreedom #RetirementMindset #SpendSmart #WealthManagement

Markets opened weakly on Tuesday but finished in the green as Buy-the-Dip traders stepped back in. The S&P 500 bounced off its 50-DMA and is on the verge of a momentum buy signal, while relative strength continues to improve — a bullish sign for near-term market direction. Rotation remains the key theme: Energy (XLE) is starting to lift, even with oil prices steady. Natural gas could see rising demand as AI-driven data centers strain the power grid. Consumer Staples are beginning to recover as investors rotate toward defensive names. Lance Roberts explains how sector rotation is shaping market momentum — and what it means for portfolio positioning as breadth improves. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=8dRFc_XWbPc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #StockMarketToday #XLE #EnergyStocks #MarketRotation #InvestingStrategy

Generational money lessons never go out of style. In this episode, we revisit Depression-era financial wisdom — simple, hard-earned truths that built resilient families and lasting wealth. From living below your means to marrying a saver and learning practical skills, these principles have guided generations through both prosperity and hardship. We'll share 12 timeless money lessons that can help today's younger generation navigate debt, lifestyle inflation, and financial stress. These are the same habits that kept families afloat during the Great Depression — and they're just as relevant in today's high-cost, high-leverage economy. If you want your kids to build true financial independence — not just wealth on paper — this episode is a must-watch. 0:19 - Will the Government Reopen? 2:45 - Buy-the-Dip Crowd Returns 7:14 - Veterans' Day Salute 8:16 - Email - Teaching Finance to Kids 10:43 - Be Frugal - Shoes & Cars 18:14 - Budget is not a four-letter Word 21:04 The $1,200 Mechanic 27:46 - Avoid Long Term Debt 22:51 - Marry a Saver - Pre-Marital Advice 32:04 - Buying a Home - Less is More 33:06 - Funding Hobbies & Balancing Priorities 35:09 - Investing for the Long Term 37:20 - Know What You Own 39:18 - Learn the Basics of Home Repairs & Cooking 42:51 - The Problem of Subscriptions 43:43 - Don't Try to Keep Up with the Jones 46:55 - Live Like the Millionaire Next Door 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Is Back," is here: https://www.youtube.com/watch?v=Kls3ejV3deU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "The Rocket Market: AI, Risk, and What Comes Next," is here: https://www.youtube.com/watch?v=42moSAfvL10&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #BuyTheDip #StockMarketRally #DefensiveStocks #SP500 #MarketRally #MarketBreadth #Investing #PremarketUpdate #FinancialWisdom #MoneyLessons #GreatDepression #FrugalLiving #FinancialEducation

The Buy-the-Dip crowd showed up again as markets tested the 50-DMA. Despite weak breadth and last week's Tech pullback, buyers quickly returned to the sector—proving this market still runs on liquidity and momentum. Lance Roberts breaks down what's driving this move and what investors should watch next: Why defensive sectors are quietly leading the market How the RSP Equal-Weight Index signals a potential broader rally The impact of $6 billion per day in corporate buybacks Why early December weakness could set up another buying opportunity 👉 Stay defensive, stay disciplined, and stay tuned. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=Kls3ejV3deU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #BuyTheDip #StockMarketRally #DefensiveStocks #SP500 #MarketRally #MarketBreadth #Investing #PremarketUpdate

Markets have rocketed higher for six straight months — but how long can it last? Hedgefund Telemetry founder, Tom Thornton joins Lance Roberts to unpack the forces driving this "Rocket of a Stock Market." From AI euphoria and sector rotation to passive indexing risks and the Fed's impact on valuations, we dig into what's really happening under the surface. 0:18 - INTRO 2:50 - The Rocket of a Stock Market 5:37 - Market Volatility & Opportunity in AI I7:14 - Interning During the Crash of '87 8:21 - Forward Earnings Expectations 9:35 - The Broadening in the Market - Energy, Materials, Consumer Staples 11:42 - Sector Rotation is a Real Thing - What if AI comes under pressure? 13:26 - Market Cap Concentration Concerns 16:02 - The Y2K Panic Buying pulling forward consumption - Similar in AI? 17:50 - Tracking Investor Sentiment (Bullish Sentiment chart) 20:36 - Tom DeMark Indicators - S&P and NASDAQ 100 PE Multiples (Chart) 23:03 - When S&P is Within 5% of ATH... (chart) 24:30 - Most-shorted Baskets (chart) - showing what speculators are buying 27:30 - Mag 7 daily & Weekly (chart) 31:35 - What Technicals Tell Us about Managing Risk 33:18 - Valuations at Elevated Levels: Apple & Nvidia (chart) 36:01 - Multiples that make no sense - Palantir & Tesla (chart) 36:55 - Waymo vs Tesla 39:15 - This Level of Concentration is New (chart) 41:23 - US Households are "All In" and Leveraged (chart) 42:40 - Leveraged ETF Data 43:56 - Short Term Options trading is Gambling (chart) 45:43 - % of Stocks About the 20, 50, & 200-DMA (chart) 49:18 - 6-straight months of market upside: When do you run out of buyers? 50:30 - Expectations for EOY? Bubbles don't deflate; they pop. 52:17 - 2026 will be difficult to continue strong momentum without a decent correction 52:44 - Where's the risk? 56:18 - Levered Obesity Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketAnalysis #AIBubble #InvestorSentiment #MarketVolatility #TomThornton

RIA Advisors' Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Richard Rosso, CFP®, shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. From annuities and debt control to emotional investing and realistic return expectations, these guardrails are designed to keep you on track — no matter what markets do. 0:20 - Rules Can Save You in a Turbulent World 3:17 - Annuities Should Be Planned, not Sold 9:34 - A Home is a Liability, not an Asset 12:37 - Setting Good Financial Boundaries with Adult Children 15:25 - Debt Control & Savings Priorities 17:45 - Dealing with Student Loan Debt 19:33 - Personal Un-secured Debt - Credit Cards 22:03 - Good Health in Retirement 24:15 - Realistic Projections, Time Horizons, & Inflation Factors 27:33 - Be Vigilant of Confirmation Bias & Emotion 32:35 - Create a Household Wellness Evolution Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Articles Mentioned in Today's Show: "The RIA Financial Guardrails" https://realinvestmentadvice.com/ria-e-guide-library/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Nvidia's Money Loop: Smart Move or Red Flag?," is here: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset

Nvidia just took a $1 billion stake in Nokia—and Nokia plans to spend that money buying Nvidia's own AI chips. It's not the first time. Nvidia's done similar deals with OpenAI, CoreWeave, and xAI, fueling record demand for its GPUs. But is this smart strategy—or circular financing? Some call it vendor financing, others say it's round-tripping—a tactic that helped inflate the dot-com bubble two decades ago. Lance Roberts & Michael Lebowitz unpack how the AI industry may be funding itself, why that's raising eyebrows, and what investors should watch for as the hype builds. 0:19 - Are Tariffs a Tax? 4:03 - Buy-the-Dip'er's Continue their March 8:40 - Michael's Fed re-cap - Stealth QE? 14:08 - Where is All the Liquidity Going? 17:45 - What Will Trigger QE? 19:16 - The Fed's QE Trap 21:13 - Stress in the REPO Market 24:15 - Market Froth & Valuations - the Mag-7 28:57 - Where the Debt is Piling Up in Anticipation of AI Build 33:32 - Nvidia's Infinite Money Loop 37:32 - What If Projections & Expectations Are Not Realized? 42:55 - Looking at CAPE (as Nvidia is 8% of Market) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles Mentioned in Today's Show: "Nvidia Deals: Round Tripping Or Vendor Financing?" https://realinvestmentadvice.com/resources/blog/nvidia-deals-round-tripping-or-vendor-financing/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "6 Moves You Should Make Now Before RMDs Start," is here: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #BuyTheDip #SP500 #MarketBreadth #Investing #PremarketUpdate #Nvidia #ArtificialIntelligence #StockMarket #TechInvesting #FinancialEngineering

Once again, "buy-the-dip" traders are stepping in. After testing the 20-DMA earlier this week, markets bounced and continue to hold the rising trendline. For now, buyers remain in control — but the rally's narrow breadth is a growing concern. In this quick pre-market update: Key support at the 20- and 50-DMA How retail investors keep driving momentum Why the gap between the S&P 500 and equal-weight index matters What to watch as we head toward year-end 📊 Short-term trend remains bullish — but strength is concentrated in just a few mega-caps. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #BuyTheDip #SP500 #MarketBreadth #Investing #PremarketUpdate

Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy

Markets rallied ahead of strong earnings from Amazon, Apple, Meta, and Microsoft, but even solid results didn't lift prices. It's a familiar "buy the rumor, sell the news" setup—Palantir and Meta both slipped from record highs. Despite the noise, this pullback is only to the 20-DMA, which remains in a bullish trend. The 50-DMA continues to act as strong support. After new highs, a short-term pause is normal—but if it stings, your portfolio may be carrying too much risk. Stay tuned for daily pre-market updates and insights from The Real Investment Show. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing

In this episode, we explore how today's investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We'll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you're a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide. 📈 Subscribe for more data-driven insights on investing, risk management, and personal finance from Real Investment Advice. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- Articles Mentioned in Today's Show: "Gold Myths Luring Investors Into Risk" https://realinvestmentadvice.com/resources/blog/gold-myths-luring-investors-into-risk/ "Investor Dilemma: Pavlov Rings The Bell" https://realinvestmentadvice.com/resources/blog/investor-dilemma-pavlov-rings-the-bell/ -------- The latest installment of our new feature, Before the Bell, "Futures Flash Warning Signs" is here: https://www.youtube.com/watch?v=slUg9jxb_Lo&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1#MarketUpdate ------- Our Previous Show, "Investor Dilemma: Pavlov Rings the Bell," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #MarketPullback #FuturesWarning #StockMarketUpdate #VolatilityAhead #InvestorInsights #GenZInvesting #FinancialMarkets #AdjustableRateMortgage #StructuredNotes #InvestorEducation

Futures are flashing warning signs this morning after six straight months of market gains. Is this the start of a long-awaited correction—or just another dip to buy? In today's pre-market update: • Why a quick 2% pullback to the 20-DMA or 50-DMA wouldn't be unusual. • How deteriorating market breadth could be signaling deeper weakness. • Bitcoin and Gold's "risk-off" message for broader markets. • Why momentum remains positive—but at dangerously high levels. • What to watch as volatility and correlations pick up across asset classes. While seasonals still favor a strong year-end, rising volatility and narrowing breadth suggest caution may be warranted. 📊 Stay tuned for daily pre-market insights and risk analysis from RIA Advisors and The Real Investment Show. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=slUg9jxb_Lo&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #MarketPullback #FuturesWarning #StockMarketUpdate #VolatilityAhead #InvestorInsights

Are today's investors psychologically conditioned to buy every market dip—no matter the risk? Lance Roberts explores the "Investor Dilemma" through the lens of Pavlov's classical conditioning, revealing how years of Fed interventions, liquidity injections, and momentum rallies have trained investors to respond to volatility like Pavlov's dogs to a bell...and three Gold Myths you don't want to mith...er, miss. 0:20 - 1st Trading Day of November (w No Gov't Data) 4:06 - Markets' Long Stretch of Gains - Pullback Coming? 8:50 - Markets' Buy the Rumor - Sell the News to Fed Action 11:53 - Two Myths About the Federal Reserve 15:31 - Why the Fed Likely Ended QT 19:29 - The Investors' Dilemma 22:33 - The Definition of Moral Hazard 24:52 - The Change in Liquidity Index 27:36 - If there's No Risk, Why NOT Overpay for Stocks? 32:30 - Fundamentals Still Matter 35:37 - 10% Correction from Current Levels is a Possibility 38:00 - The Buying Part is Easy... 39:46 - The Three Myths About Gold 39:46 - The Three Myths About Gold 🎧 Watch now to learn how market psychology may be conditioning your portfolio decisions without you realizing it. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Gold Myths Luring Investors Into Risk" https://realinvestmentadvice.com/resources/blog/gold-myths-luring-investors-into-risk/ "Investor Dilemma: Pavlov Rings The Bell" https://realinvestmentadvice.com/resources/blog/investor-dilemma-pavlov-rings-the-bell/ -------- The latest installment of our new feature, Before the Bell, "Six Straight Months: Is a Market Pullback Next?" is here: https://www.youtube.com/watch?v=dE7tA_f9GyI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Why Risk Tolerance Questionnaires Don't Work," is here: https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #MarketUpdate #StockMarketAnalysis #PreMarketBrief #RiskManagement #SantaClausRally #BehavioralFinance #InvestorDilemma #MarketPsychology

Markets have now logged six consecutive months of gains, a streak that's impressive—but also rare. History tells us that long runs of momentum often end with a pullback to the mean. In this pre-market update, Lance Roberts discusses: • Why the market's current overbought conditions could lead to a November or December correction • How deviations from long-term moving averages create short-term risk • What investors should watch before the Santa Claus rally season kicks in Now's the time to reassess portfolio risk and prepare for a month of potentially sloppy trading ahead. 📈 Stay informed with real-time insights from RIA Advisors — because markets reward discipline, not complacency. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=dE7tA_f9GyI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #MarketUpdate #StockMarketAnalysis #PreMarketBrief #RiskManagement #SantaClausRally

Most investors have filled out a risk tolerance questionnaire—but does it really measure how you'll behave when markets crash? Richard Rosso & Jonathan McCarty break down why traditional risk tolerance tools fail to predict investor behavior, how emotions override risk profiles, and why time horizons, liquidity needs, and cash flow matter far more than a few survey questions. 0:19 - Halloween Prelude - Baby's First Halloween 2:31 - Risk Tolerance Tests - The Ugly Truth 6:00 - How Rich & Jonathan Scored 7:12 - The Spousal Tolerance Quiz 11:08 - Looking at Risk Tolerances in Couples 17:48 - What's Your Judgement Orientation? 21:52 - Responding to Market Moves - Mapped Portfolios 24:26 - What Happens When Powell is Out at the Fed 28:53 - Risk Tolerance Quizzes Do Not Reflect Reality When Markets Turn 30:30 - When Rich was 13 - Owning McDonald's 35:28 - EBT, Food Stamps, & Fast Food Comparisons 36:55 - Taking the Risk Quiz at 20 vs 50 39:08 - Investing Over-Confidence vs Balance 40:50 - The Millionaire Next Door I & II 43:34 - AI Impact on Market History Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here: https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "The Most Dangerous Era in History," is here: https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #FinancialPlanning #RiskManagement #InvestorBehavior #WealthStrategy #RIAAdvisors

Why has Bitcoin captured the attention of investors and innovators alike? Lance Roberts & Vinay Gupta break down what makes Bitcoin unique — from its blockchain backbone to its role as currency, commodity, and speculative asset. We'll explore how to think about Bitcoin in a diversified portfolio, what risks investors need to understand, and why blockchain may reshape how business is done in the future. 🔍 Topics Covered: 0:18 - INTRO - Who is Vinay Gupta? 3:53 - Why Has Bitcoin so captured the attention of the investing public? 6:28 - Understand the real benefits of Bitcoin 8:56 - What is the large-scale use of blockchain now; 11:55 - Looking at Bitcoin in a bipartisan world 15:20 - the currency vs the network vs store of value 17:58 - The conversion quandary - how to use Bitcoin? 19:22 - Currency, Commodity , or Speculative Asset? 21:31 - The Asymmetric upside of Bitcoin 25:36 - Dealing with the Volatility or Cryptocurrency as an asset class 29:24 - How to manage Cryptocurrency in a diversified portfolio 32:27 - Dealing with Risk in Any Asset Class 35:45 - Never be over-exposed to any asset to the extent that it cannot be managed 36:50 - What's the best way to mitigate risk in Cybercurrency? 41:14 - Passwords & Private Wallets 44:09 - The MicroStrategy story - becoming Bitcoin treasury companies 49:58 - The performance/underperformance of MicroStrategy, levered ETF's 55:00 - Using Bitcoin as Money 56:58 - The Error of just holding cash Whether you're curious about crypto or skeptical of the hype, this discussion will help you understand the real value — and risks — of Bitcoin in today's market. 📈 Think before you buy. Invest with understanding. #BitcoinInvesting #BlockchainTechnology #FutureOfMoney #DigitalAssets #FinancialEducation

Taking profits sounds easy—until you try it with a smaller account. Lance Roberts & Jonathan Penn answer listeners' question about managing portfolios spread across myriad stocks, with allocations similar to the S&P 500. When positions are small, trimming into strength or reinvesting during market highs can feel nearly impossible. 0:19 - Profit Taking, Earnings, & FOMC Meeting Previews 4:48 - Market Bullishness Confirmed 10:05 - Managing Risk in Volatile Markets 13:55 - There's no Perfect Time 15:31 - Profit Taking in a C-fund 401k 21:05 - Taking Profits in Small Portfolios 23:11 - The Wisdom of Position Sizing 29:45 - What About Weighting in ETF's - There's no holy grail 34:36 - Documenting Allocation Models 39:01 - What Allocation Model is Best for You? 45:22 - The Three-legged Stool of Portfolio Returns 48:41 - Make Sure Portfolio Assets are not Correlated Together 🔔 Subscribe for weekly market insights, retirement strategies, and financial truth-telling that cuts through the noise. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Retail Leverage Goes to Extremes" https://realinvestmentadvice.com/resources/blog/rally-into-year-end-3-reasons-to-buy-dips-copy/ "The Most Dangerous Era In History" https://realinvestmentadvice.com/resources/blog/passive-investing-driving-the-most-dangerous-era-in-history/ -------- The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here: https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "The Most Dangerous Era in History," is here: https://www.youtube.com/watch?v=u9JdDT0xaeM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #BullishMomentum #StockMarketUpdate #Gold #Bonds #Treasuries #SmallPortfolio #InvestingForBeginners #PortfolioRebalancing #TakeProfits #FinancialEducation

Markets kicked off the week with renewed bullish momentum, breaking out of the rising trend channel after holding support at the 50-DMA. Liquidity continues to pour into equities as investors chase returns, while gold corrects and bonds quietly deliver solid year-to-date gains. In this short market update, Lance Roberts explains: • Why the backdrop for stocks remains bullish near-term • How liquidity rotation is fueling equities at gold's expense • Where gold may find support for its next move higher • Why bonds continue to offer steady total returns Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #BullishMomentum #StockMarketUpdate #Gold #Bonds #Treasuries

We're living through one of the most dangerous eras in history — not because of war or politics alone, but because of the extraordinary convergence of economic, financial, and geopolitical risks. In this episode, we break down: How record global debt, AI-driven speculation, and geopolitical instability are colliding. Why the current market optimism masks systemic fragility. What investors can learn from past cycles — from 1929 to 2008 — to prepare for the next regime shift. The role of central banks, fiscal excess, and policy distortions that have created a fragile illusion of stability. 0:18 - EOM Approaches, Rare Earth, & the China Deal 4:28 - Markets Set New Highs 8:57 - Lance's Grandkid Solution 10:28 - The Dumbest Stock Market in History 12:53 - Why Are Markets trading at 200% Above GDP? 16:26 - Unforeseen Consequences of Passive Investing 21:54 - More ETF's than Mutual Funds 26:47 - Passive Indexing Underwrites the Markets 31:13 - The Causality of Liquidity 34:21 - Bubbles Don't Form, the Evolve 37:25 - Be Aware of the Risks You're Taking 45:14 - Cash Levels and Margin Debt 🔔 Subscribe for weekly market insights, retirement strategies, and financial truth-telling that cuts through the noise. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=u9JdDT0xaeM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Retail Leverage Goes to Extremes" https://realinvestmentadvice.com/resources/blog/rally-into-year-end-3-reasons-to-buy-dips-copy/ "The Most Dangerous Era In History" https://realinvestmentadvice.com/resources/blog/passive-investing-driving-the-most-dangerous-era-in-history/ -------- The latest installment of our new feature, Before the Bell, "New Highs, Same Risks," is here: http://bit.ly/4oxs9x0 ------- Our Previous Show, "The Art of Retirement Income," is here: https://www.youtube.com/watch?v=y8LO6P2hwG0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketToday #MarketRally #TechnicalAnalysis #InvestingInsights #YearEndRally #MarketRisk #FinancialCrisis #InvestingWisdom #GlobalEconomy

Markets hit new all-time highs Friday, with momentum improving and a fresh MACD buy signal confirming the uptrend. Relative strength continues to build, supporting the case for a year-end rally. But investors shouldn't get complacent. December's mutual fund rebalancing and short-term pullbacks could add volatility, even as corporate buybacks and under-positioned hedge funds keep providing support. In this video, we break down what's driving the rally, the technical signals confirming momentum, and what risks investors should still keep on their radar as we move into year-end. 📊 Key Takeaways: MACD buy signal and improving market breadth Why fund rebalancing could spark short-term dips How corporate buybacks and CTA flows add support Managing risk while staying invested through year-end 👉 Subscribe for daily market insights from RIA Advisors. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: http://bit.ly/4oxs9x0 ------- 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/ #StockMarketToday #MarketRally #TechnicalAnalysis #InvestingInsights #YearEndRally

Your greatest retirement risk isn't the market; it's living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle. 💡 Topics covered: • Why the 4% rule doesn't match how most retirees really spend • How to front-load income for early enjoyment without running out of money • The role of inflation protection and flexible withdrawal plans • How delaying Social Security can act as a built-in longevity hedge 0:20 - Rosso's Garage - Lost Tools 2:10 - The Toughest Part of Retirement Planning 5:49 - David Blanchett's Retirement Spending Smile 11:02 - Downsizing in Retirement 15:22 - Lifespan in Retirement 20:43 - Health & Wealth & 1-800-Brent 25:01 - Your Biggest Enemy in Retirement - Inflation 32:05 - Retirement Plans Should be Made to be Fluid 34:44 - Retirement Income Planning is an Art Retirement income is both science and art: balancing freedom, security, and sustainability. Learn how to create a plan that lasts as long as you do. 👉 Subscribe for more smart insights from RIA Advisors on retirement planning, markets, and wealth management. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=y8LO6P2hwG0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Russia Sanctions Ignite Oil Rally," is here: https://www.youtube.com/watch?v=N7DyLmRRWoQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "TDollar Debasement: Reality Or Dangerous Narrative?," is here: https://www.youtube.com/watch?v=6HNCz8Ogzxc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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 #FinancialFreedom #WealthManagement #SocialSecurity#RealInvestmentAdvice

Gold's rally has investors shouting "dollar debasement!" — but is the narrative real, or just a speculative illusion? Lance Roberts & Michael Lebowitz break down the popular debasement argument and expose the facts behind the gold surge. From money supply trends to Fed policy and global confidence in the U.S. dollar, we separate the data from the hype. 0:19 - Stresses Emerging in Lower End of Economy 4:45 - The Oil Price Pop 6:35 -Good News - Bads News on Wall Street 10:38 -CPI Preview Despite Government Furlough 15:32 - Bond Market Expectations for Economic Growth 17:58 - The Challenge of Managing Money for the Future 20:11 - Wall Street is Selling 5x Leverage 24:47 - Liquidity is Showing Signs of Drying Up 26:42 - Debasement is Not a Room in Your House 29:42 - Where Does Money Come From? 30:45 - The Rise in Money Supply M-2 34:46 - The Loss of Confidence in the Dollar 40:00 - Central Banks are Hoarding Gold Reserves 46:21 - People Find Bubbles in Everything 48:15 - YouTube Chat - Banks Are Dumping Treasuries( ?) 49:28 - Is the Dollar Set to Strengthen? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Dollar Debasement: Reality Or A Dangerous Narrative?" https://realinvestmentadvice.com/resources/blog/dollar-debasement-reality-or-a-dangerous-narrative/ -------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=6HNCz8Ogzxc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Russia Sanctions Ignite Oil Rally," is here: https://www.youtube.com/watch?v=N7DyLmRRWoQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Teaching Kids About Money: Lessons From Investing's Biggest Mistakes," is here: https://www.youtube.com/watch?v=cXyQMURvV40&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #OilRally #EnergyStocks #RussiaSanctions #MarketUpdate #PreMarket #DollarDebasement #GoldInvesting #MarketAnalysis #RealInvestmentAdvice

Oil prices are surging after new sanctions on Russia sparked a wave of buying in the energy sector. After weeks of being oversold, crude is bouncing back — and energy stocks are following. In this quick pre-market update, we'll cover: Why new Russia sanctions are driving oil prices higher. The fresh MACD buy signal flashing for energy stocks. Key support levels at the 20- and 50-day moving averages. The widening gap between large-cap resilience and small-cap weakness. Why managing portfolio risk exposure matters more than ever. Stay tuned for the day's market setup — and subscribe for daily insights before the bell. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=N7DyLmRRWoQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #OilRally #EnergyStocks #RussiaSanctions #MarketUpdate #PreMarket

How do we raise the next generation to be financially wise in a world obsessed with "getting rich quick"? In this episode, Lance Roberts sits down with financial writer Benjamin Gran to discuss the right way to teach children about money, work, and investing. From saving before investing, to understanding the true value of work, and avoiding the pitfalls of speculative frenzies — we cover everything from Enron and Kozmo.com to the meme-stock craze and the AI hype cycle on Wall Street. Benjamin and Lance break down how to build long-term investing habits that last, why risk management and time horizons matter more than "hot tips," and how classic investing wisdom from John Bogle, Warren Buffett, and Charlie Munger still applies today. You'll also hear how parents can instill financial literacy and responsibility early — through chores, jobs, and saving — not just allowances and apps. The real secret? Teaching kids that saving money feels as good as spending it, and that success is built on work ethic, patience, and purpose. 🔔 Subscribe for more market insights, behavioral finance lessons, and real-world money talk that helps you think beyond the headlines. #FinancialEducation #TeachingKidsAboutMoney #InvestingWisely #FinancialLiteracy #MoneyLessons

Cash value life insurance often sparks debate — is it a smart financial tool or an expensive way to mix insurance with investing? Lance Roberts & Jonathan Penn break down how cash value life insurance actually works and where it may (or may not) fit into your overall financial picture. 0:18 - Preview - Life Insurance & BYOB, Earnings Season Continues 6:00 - Markets Confirm Bullish Trend 10:55 - Private Credit Fund Warning - Subprime Credit Danger 18:22 - Whole Life Insurance Explained 19:51 - Whole Life vs Term, ULI, VUL 22:54 - Why Dave Ramsey is Wrong About Insurance 23:44 - The Math - Term vs Whole Life 25:51 - Why You Need Insurance 29:16 - Overfunding Strategies & Be Your Own Bank 32:49 - Whole Life vs Term (again) 37:59 - Beware Blanket Statements - Do the Research 39:28 - MEC - Modified Endowment Contracts 41:13 - When the Life Insurance Runs Out 43:02 - Converting Term to Whole Life 46:01 - Comming Attractions Whether you're building wealth, protecting your family, or planning for retirement, understanding this strategy can help you make smarter financial decisions. 📊 Subscribe for weekly insights on money, markets, and smarter financial planning. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MCbMnMu5fJw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- The latest installment of our new feature, Before the Bell, "Buy the Dip Pays Big Again," is here: https://www.youtube.com/watch?v=K71txMyCPBI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Invest Like a Bull, Think Like a Bear," is here: https://www.youtube.com/watch?v=Hx8uxz3jUnk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #BuyTheDip #StockMarketToday #SP500 #MarketTrends #InvestingNews #CashValueLifeInsurance #FinancialPlanning #WealthBuilding #RetirementStrategy #PersonalFinance

Markets climbed above key moving averages on Monday, retesting the 50-DMA three times before pushing higher. The NASDAQ's QQQ hit new all-time highs as tech led the rally, while the S&P 500 Equal Weight (RSP) lagged—showing how narrow the market's leadership has become. The "buy-the-dip" mentality continues to dominate, delivering the best returns in 33 years. Meanwhile, the U.S. dollar is trending higher, bond yields are sliding below 4%, and foreign investors are returning to U.S. markets. With the MACD close to turning back to a "buy," a new market high could confirm the bullish trend. 📊 Highlights: QQQs break to new highs RSP and Small Caps test support at 100-DMA Bonds returning 4-5% YTD Narrow market breadth remains a concern Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=K71txMyCPBI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #BuyTheDip #StockMarketToday #SP500 #MarketTrends #InvestingNews

Invest like a bull. Think like a bear. Lance Roberts dives into the mindset of successful investors: staying bullish on opportunity, but thinking like a bear when it comes to risk. Learn how to stay optimistic without losing discipline, why emotional control outperforms market hype, and how blending bullish conviction with bearish caution can help you thrive through any cycle. * How to stay invested while protecting capital * Recognizing when optimism turns into speculation * Lessons from past market booms and busts * Why risk management is the true edge in investing 📈 Subscribe for more behavioral insights and data-driven market commentary from RIA Advisors. 0:19 - Earnings Season Progresses, Manufacturing Weakens 4:00- Market Breakout or Breakdown? 9:03 - Lance's Class on Managing Risk 11:41 - Low Volatility is Followed by High Volatility 14:18 - Moral Hazard & Zombie Companies 17:20 - Junk Bonds vs A-Rated Companies 22:43 - The Impact of Share Buybacks on the Market 25:53 - What to do When the Market Closes Down? 27:15 - Five Steps to Take Before the Next Event 31:15 - Markets Breed Complacency 33:15 - Think Like a Bear, Invest Like a Bull 35:34 - Consumer Confidence vs Trailing Valuations 37:32 - Looking at the Change in Forward Earnings 39:47 - Thinking Bearishly vs Being Bearish 41:50 -Tactical Chart for Investing Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=Hx8uxz3jUnk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- The latest installment of our new feature, Before the Bell, "Market Stuck Between the 20 & 50 DMA — Breakout or Breakdown Ahead?" is here: http://bit.ly/4qldYN8 ------- Our Previous Show, "Six Crucial Steps to Medicare Open Enrollment" is here: http://bit.ly/3KSVvYg ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketToday #MarketAnalysis #TechnicalAnalysis #InvestingNews #StockMarketUpdate #TechnicalAnalysis #MarketMomentum #InvestingInsights #PreMarketReport #InvestingMindset #MarketPsychology #BullVsBear #RiskManagement #SmartInvesting

Markets spent last week trapped in a tight range between the 20- and 50-day moving averages. The 20-DMA, which had served as support for weeks, has now flipped into resistance. Futures are pointing higher this morning, suggesting traders are positioning for a potential breakout — but confirmation will depend on whether markets can close and hold above the 20-DMA this week. If that level fails, expect renewed pressure on the 50-DMA, where a cluster of stop-losses could trigger a deeper pullback. Earnings will be the dominant catalyst — strong results and upbeat forward guidance could provide the lift bulls need to reclaim momentum. ⚠️ Key Takeaways: 20-DMA resistance, 50-DMA support — critical inflection point Earnings results will likely dictate direction Keep stop-losses tight and avoid over-reacting to short-term noise Overall trend remains bullish — for now Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: http://bit.ly/4qldYN8 ------- 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/ #StockMarketToday #MarketAnalysis #TechnicalAnalysis #InvestingNews #StockMarketUpdate #TechnicalAnalysis #MarketMomentum #InvestingInsights #PreMarketReport

Medicare's Fall Open Enrollment runs from October 15 through December 7, and this is your chance to review, compare, and adjust your coverage for 2026. Richard Rosso & Jonathan McCarty review six crucial steps to help you make smarter Medicare choices — from evaluating plan changes and comparing drug coverage to avoiding common enrollment mistakes. Whether you're already on Medicare Advantage or reviewing Part D drug plans, understanding how to navigate this annual window could save you thousands in healthcare costs next year. 1:34 - Dealing w Medicare Open Enrollment 3:59 - Jonathan's Baby & Diaper Service 9:10 - Prescription Drug Formularies & Changes 12:11 - Shopping Around for Medicare Advantage Plans 17:56 - Recommended Alphabet Formula 21:15 - What Medicare Advantage is NOT 24:55 - Medicare Part-G Open Architecture 26:52 - Where to Start - ID Verification Woes 30:17 - The Medicare Plan Finder 34:34 - The RIA Medicare Screening Tool 43:34 - How and Where to Start Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: http://bit.ly/3KSVvYg ------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 20-DMA — Can It Hold?" is here: http://bit.ly/46WMYfq ------- Our Previous Show, "Capitalism: The Real Path to Wealth & Happiness" is here: https://www.youtube.com/watch?v=2zw3gGV13x0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #MedicareOpenEnrollment #RetirementPlanning #MedicareAdvantage #FinancialEducation #HealthcareCosts

What makes capitalism the most successful wealth-building system in history? Lance Roberts & Michael Lebowitz explore how economic freedom, private ownership, and innovation incentives have lifted billions out of poverty and created unmatched prosperity. Why do societies that embrace free markets and entrepreneurship tend to enjoy higher standards of living, longer lifespans, and greater personal happiness? Lance & Michael examine the misconceptions surrounding capitalism—why critics often overlook the power of voluntary exchange and how wealth creation benefits everyone over time. 0:19 - Earnings Season is Underway w 75% Beat Rates 4:49 - Markets Maintain Bullish Trend w Lackluster Conviction 8:23 - The Itch to Twitch w Royalty-free Music 10:04 - The Fed Moves Forward - Net Impact to Bond Market 13:58 - There is No More Liquidity - Effects in Crypto Realm 17:03 - The Danger of Buying Crypto on Margin 19:57 - Leverage Works Worse in Reverse 24:04 - When the Markets Break 29:59 - Capitalism vs Socialism - the path to prosperity 31:49 - Quantifying Capitalism - The Economic Freedom Index 35:22 - Capitalism is Not an Equalization System 38:23 - The Global Decline of Economic Freedom 39:32 - Does Wealth Buy Happiness? 40:58 - Defining the "American Dream" 43:16 - Why Businesses Fail 44:51 - The Savanna Bananas 46:57 - Capitalism Is Not Fair 🔔 Subscribe for real-time market insights and risk analysis from Lance Roberts and the RIA Advisors team. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=2zw3gGV13x0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 20-DMA — Can It Hold?" is here: http://bit.ly/46WMYfq ------- Our Previous Show, "Is the Fed Poised to Pause Quantitative Tightening?" is here: https://www.youtube.com/watch?v=R6KTQ3s4yaI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketUpdate #TechnicalAnalysis #MarketMomentum #InvestingInsights #PreMarketReport #CapitalismExplained #WealthAndHappiness #EconomicFreedom #FinancialEducation #FreeMarkets #SavannaBananas

After a volatile session, markets managed to reclaim the 20-day moving average — but barely. Weak volume and narrow participation suggest the move lacked conviction. While futures are pointing higher this morning, recent trading patterns have shown early gains often fade quickly. The good news: the market has worked off much of its overbought condition. The bad news: momentum remains weak, and we're still on a MACD sell signal. Until that reverses, risk stays elevated. In today's pre-market update, Lance Roberts breaks down: 📉 The significance of the 20-DMA reclaim ⚙️ What weak volume says about conviction 📊 Why the MACD sell signal still matters 💡 Key levels to watch for a sustainable rally Stay tuned for daily pre-market insights and technical breakdowns from The Real Investment Show. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: http://bit.ly/46WMYfq ------- 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/ #StockMarketUpdate #TechnicalAnalysis #MarketMomentum #InvestingInsights #PreMarketReport

Federal Reserve Chair Jerome Powell just hinted that the Fed may soon pause its balance-sheet runoff — a potential shift that could reshape market liquidity and investor sentiment. Lance Roberts & Danny Ratliff break down: * Why the Fed may pause QT — and what it signals about financial conditions. * How ending balance-sheet runoff affects liquidity, yields, and asset prices. * What history tells us about QT pauses and subsequent market rallies. * Why the Fed's portfolio composition (Treasuries vs. MBS) still matters for inflation and housing. * Portfolio tactics if the liquidity tide begins to turn. 0:19 - Markets' Rally on Powell QT Comments 4:16 - Speculation Continues on Wall St 8:40 - Childhood Bedtimes & Digital Devices 14:36 Is Quantitative Tightening About to End? 16:55 - What is the Result of Easing QT? 19:37 - Where's the Risk: Private Credit/Equity 21:12 - The Fed's Moral Hazard & History of Bailouts 26:01 - How Would a Failure of FNMA Loans Affect the Economy? 28:34 - What Led to the 2007-2008 Financial Crisis 32:13 - The Bigger Risk of Too Much Money Chasing Too Few Deals 35:45 - The Last Stages of Asset Development 40:11 - IRS Rules Changes for Roths 45:12 - Comming Attractions Whether the Fed is stabilizing the system or setting up the next round of excess — it's a key inflection point investors can't ignore. 🔔 Subscribe for real-time market insights and risk analysis from Lance Roberts and the RIA Advisors team. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=R6KTQ3s4yaI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- The latest installment of our new feature, Before the Bell, "Will the Market Break the 20-DMA?" is here: http://bit.ly/3KTF8uo ------- Our Previous Show, "Annuities: Good, Bad, & Ugly" is here: https://www.youtube.com/watch?v=2hiFV4mdSY4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2&t=6s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketToday #TechnicalAnalysis #FederalReserve #JeromePowell #BuyTheDip #FederalReserve #QuantitativeTightening #FedPolicy #MarketLiquidity #StockMarketAnalysis #RothConversions #IRSRules

Are annuities the safe retirement solution they're sold as — or a financial trap in disguise? Lance Roberts & Jonathan Penn unpack the good, the bad, and the ugly sides of annuities. 10:03 - Kitchen Sets & Intramural Flag Football 14:52 - Annuities - Good, Bad, & Ugly 18:08 - What is an Annuity? 20:16 - Different Flavors of Annuities 22:07 - The Ugly Truth About Early Surrender Fees 27:29 - Why Might You Need an Annuity? 31:20 - Three Reasons You'd Need an Annuity 34:36 - Annuities Should Be Planned, not Sold 38:14 - Why Buy an Annuity Instead of Investing in the Market? 41:00 - One More Reason... 43:25 - Are There Inflation-adjusted Annuities? 47:05 - Are Annuities Divorce-proof? 48:59 - Lance's Marriage Advice 49:52 - Tax Deferral Options 51:59 - More Marriage Advice - His & Her Money Whether you're considering a fixed, variable, or indexed annuity, this episode will help you separate sales pitch from sound strategy — so you can decide if annuities deserve a place in your portfolio. 👉 Subscribe for daily market insights and portfolio strategy updates. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- The latest installment of our new feature, Before the Bell, "Will the Rally Hold—or Fold?" is here: http://bit.ly/3JaD7JN ------- Our Previous Show, "Markets vs Reality: Daniel LaCalle on the Coming Global Reset" is here: https://youtube.com/live/AUEW3etNHSw ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketToday #PreMarketUpdate #TechnicalAnalysis #InvestingStrategy #MarketCorrection #AnnuitiesExplained #RetirementPlanning #InvestmentStrategy #FinancialEducation #PassiveIncome

Markets are at a turning point after Friday's dip to the 50-day moving average and Monday's rebound. But with futures pointing lower, investors are asking: will this rally hold—or fold? In today's pre-market briefing: 📉 The 50-DMA test and what it signals for trend direction ⚙️ Why the 20-DMA is now key resistance for the S&P 💡 AI and tech stocks under pressure after heavy inflows ⚠️ Crypto's shakeout: margin leverage and stop-loss resets 📊 What a 3–7% correction could mean for short-term risk We'll look at what's driving selling pressure, where support lies, and how traders should approach this week's volatility. 👉 Stay informed with market updates every morning before the bell. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: http://bit.ly/3JaD7JN ------- 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/ #StockMarketToday #PreMarketUpdate #TechnicalAnalysis #InvestingStrategy #MarketCorrection

Are markets completely disconnected from economic reality? In this exclusive conversation, Lance Roberts of RIA Advisors sits down with Daniel LaCalle, Chief Economist at Tressis and author of Freedom or Equality, to examine the illusion of wealth, sovereign-debt bubbles, and why the next global crisis may already be forming beneath the surface. 🔍 Topics discussed: 0:18 - Intro - Is There a Disconnect Between Markets & Reality? 2:34 - The Monetary World is Completely Out of Control 5:56 - The Crisis is a Manifestation of Previous Excesses 7:24 - Wealth is an Illusion 9:08 Government Have Passed The Three Limits 10:41 - Where Does Money Go for Safety? 12:12 - Living in the Period of the Tariff Tantrum 14:50 - The Problem of Cryptocurrency Volatility Risk 16:27 - Bitcoin (and cryptocurrency) Does not Have the Stability Banks Require 19:00 - The Case for Stablecoin 23:21 - The Un-hinging of Governments' Power 26:46 - Consequences of Removing Central Banks' Ability to Manipulate Currency 28:37 - The Cracking Point for Citizens (France) 31:36 - Germany's Destruction of Manufacturing by Fiscal Policy 33:46 - Is the Eurozone at Risk of Pulling Apart? 36:25 - Inflation: US Debt, Demographics, & Betting on Resurgence 37:53 - The Biggest Risk for 2026 - Reduction of Inflationary Burst 39:51 - The Circular Dynamics of AI Infrastructure 41:36 - The Typical Over-allocation and Mis-allocation of Capital 43:24 - The US Will Benefit from out of control Regulation in the EU 👉 Key takeaway: Monetary policy has unhinged markets from fundamentals, creating an illusion of stability that could fracture once liquidity fades. 📈 Subscribe for more interviews and market insight from Lance Roberts and RIA Advisors: https://www.youtube.com/@RealInvestmentShow #Economy #Markets #Investing #DanielLaCalle #LanceRoberts

How do you make every dollar work harder for you? Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications 👉 Subscribe for daily market insights and portfolio strategy updates. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- The latest installment of our new feature, Before the Bell, "Calm Before the Crack? Fragile Markets Keep Rising Anyway," is here: https://www.youtube.com/watch?v=N_kRTrefFWI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Recession & Bonds: What Happens When the Next Downturn Hits?" is here: https://www.youtube.com/watch?v=jRiri1PY2Sg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #SavingsStrategy #TaxEfficientInvesting #WealthBuilding #FinancialPlanning #InvestSmart#FinancialPlanning #InvestingAdvice #Investing #Money

A recession usually means falling inflation and lower bond yields — good news for bond investors. But what if this time is different? Lance Roberts & Michael Lebowitz break down how the next recession could flip the bond trade from bullish to bearish — and why government policy and fiscal stimulus may once again distort the relationship between inflation, yields, and bond prices. 0:19 - US Dollar Impact on Multi-national Companies 3:32 - Expectations for Market Reversal 9:45 - The AI Chase & Circular Money Flow 13:17 - Investments are Based on Hopeful Future Demand 16:28 - The Question of The How & The When 19:12 - The Nvidia - AMD - OpenAI Conundrum 20:07 - Natural Gas is the Only Answer for next 5-years 22:02 - Markets Are Chasing Whatever Goes Up 24:24 - The Lesson for Diversifying 26:15 - Do Bonds Protect Investors in the Next Recession? 32:18 - Preview of Daniel LaCalle Interview 35:38 - Gold is Fueling Dollar Debasement 39:43 - All Asset Classes will Reverse Eventually 43:33 - Is This Time Different? 50:06 - Coming Attractions 👉 Subscribe for daily market insights and portfolio strategy updates. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in This Video: "Bear Market Losses – A Dangerous Illusion" https://realinvestmentadvice.com/resources/blog/bear-market-losses-a-dangerous-illusion/ "Promised Recession…So Where Is It?' https://realinvestmentadvice.com/resources/blog/promised-recession-so-where-is-it/ "Bubble In AI: Echoes Of The Past, Lessons For The Present" https://realinvestmentadvice.com/resources/blog/ai-bubble-echos-of-the-past-lessons-for-the-present/ ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=jRiri1PY2Sg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Calm Before the Crack? Fragile Markets Keep Rising Anyway," is here: https://www.youtube.com/watch?v=N_kRTrefFWI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Markets, Money & Mindset: Live Q&A with Lance Roberts," is here: https://www.youtube.com/watch?v=bpF43_Iqu1g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #StockMarketUpdate #MarketVolatility #InvestorSentiment #PreMarketAnalysis #RiskManagement #Recession2025 #BondMarket #TIPSvsNominal #InflationOutlook #FinancialPlanning #InvestingAdvice #Investing #Money

Markets continue to push higher as optimism remains strong, fueled by massive corporate share buybacks and record retail inflows. Since April, liquidity has been the lifeblood of this rally — but beneath the surface, the setup is increasingly fragile. The MACD has been flat for weeks, volatility remains near historic lows, and options positioning shows a large negative delta. That combination can unwind quickly if the 20-DMA gives way. A simple 5% correction could feel twice as painful after months of calm. In today's pre-market video, we discuss: Why money flows and buybacks are propping up markets The warning signs of fragility beneath the surface What a 20-DMA break could mean for risk assets Simple portfolio tactics to manage exposure before volatility returns 📉 Complacency always feels safe — until it isn't. Watch now to learn how to stay disciplined when markets appear unbreakable. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=N_kRTrefFWI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #StockMarketUpdate #MarketVolatility #InvestorSentiment #PreMarketAnalysis #RiskManagement

Join Lance Roberts for a live open Q&A on markets, money, and investing. We'll cover what's on your mind—from market melt-ups and Fed policy to portfolio positioning and economic risks. No scripts, no fluff—just real talk and real answers about what's moving markets and shaping investor behavior. 0:19 - Markets are Absorbing Money 4:14 - Profit Taking in Bitcoin 9:15 - YouTube Poll - The #1 Thing on Your Mind About Markets 10:09 - How Do You Invest Right Now? 12:23 - Liquidity is King 18:05 - You WILL Mind a 5% Down Market 20:39 - #1 Concern - Liquidity in Markets 27:37 - The Problem w Markets is Narratives 29:34 - Economic Data Not Dramatically Changing 33:06 - The AI Story, Tesla Robots, & Productivity 35:48 - Employees Are Not Fun 39:32 - Coming Attractions - Daniel LaCalle Interview 👉 Subscribe for daily market insights and portfolio strategy updates. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in This Video: "Bear Market Losses – A Dangerous Illusion" https://realinvestmentadvice.com/resources/blog/bear-market-losses-a-dangerous-illusion/ "Promised Recession…So Where Is It?' https://realinvestmentadvice.com/resources/blog/promised-recession-so-where-is-it/ "Bubble In AI: Echoes Of The Past, Lessons For The Present" https://realinvestmentadvice.com/resources/blog/ai-bubble-echos-of-the-past-lessons-for-the-present/ ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=bpF43_Iqu1g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- The latest installment of our new feature, Before the Bell, "Dollar Breakout & Bitcoin Pullback - What It Means for Markets," is here: http://bit.ly/4h03GxP ------- Our Previous Show, "7 Midlife Money Traps That Destroy Wealth," is here: https://youtube.com/live/YGY5Z_j2r8I?feature=share ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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/ #Markets #Finance #WealthManagement #PersonalFinance #SmartInvesting #Bitcoin #USDollar #InvestingAdvice #Investing #Money

Markets were slightly lower on Tuesday, but small caps and Bitcoin saw sharper declines as investors took profits. After notching new highs, Bitcoin is now forming a potential series of tops — and what happens next could determine whether this rally continues or a correction unfolds. At the same time, the U.S. Dollar is quietly breaking out of its consolidation range to the upside. A stronger Dollar typically pressures risk assets, from emerging markets to commodities and crypto. The question now: Is this just a one-day pullback—or the start of a broader shift? In this pre-market update, Lance Roberts breaks down: Why Bitcoin's pattern may be signaling a near-term turning point. How the Dollar's breakout could reshape global asset performance. What the small-cap selloff says about investor sentiment and liquidity. 📈 Stay ahead of the markets — subscribe for daily macro updates and real-world portfolio insights from Lance Roberts and RIA Advisors. https://www.youtube.com/@RealInvestmentShow Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: http://bit.ly/4h03GxP ------- 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/ #Markets #Bitcoin #USDollar #Investing #InvestingAdvice #Investing #Money