THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

Hey, you know what? It's been three months since the FTX blowup. I want to ask you a question. Are you now more interested or less interested in investing in crypto? Amazingly, all the new survey data shows that investors are now more interested in crypto than ever. You must be joking. No, I'm not joking. ----- Links from today's show: FTX Crash: Timeline, Fallout and What Investors Should Know The UK finally reveals plan to regulate crypto trading and lending Certificate in Blockchain and Digital Assets Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page -----

Investing in Exponential Technologies – Doing Well By Doing Good Advisors: Learn how to talk about death and loss with grief expert Amy Florian Self-Care with Jean Edelman: Why It’s OK to Take a Nap ----- Links from today's show: Global X Genomics & Biotechnology ETF No Longer Awkward: Communicating with Clients Through the Toughest Times of Life by Amy Florian A Friend Indeed: Help Those You Love When They Grieve by Amy Florian Amy Florian Master Class Self-Care with Jean Edelman Podcast Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page -----

It's Thursday, February 23rd, and China has just created a blockchain research center in Beijing. Gotta be kidding me. Yeah. This is the country that in 2021 banned Bitcoin. Now China has established the National Blockchain Technology Innovation Center created by the Chinese Ministry of Science and Technology. ----- Links from today's show: Chinese Government Launching National Blockchain Innovation Center Jean Edelman on Twitter Jean Edelman on Instagram Jean Edelman on YouTube Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page -----

A couple of weeks ago I talked with you about how college is becoming free. If you want to hear that bit, the link to it is in today's show notes. Dozens of colleges and universities, as I've told you, are making college free these days for low-income families. A lot of states are now doing that, too, and not just for low-income households, but for middle class families, too. And hundreds of companies are now paying for college for their employees. It's the newest employee benefit. So I said, you really need to rethink your college planning strategy if college is going to be free. Do you still need to save for college? Well, guess what? Thanks to Congress (who loves to give freebies away to voters), yes, saving for college just might still make sense, even if you never have to pay for college, even if your kids never go to college. ----- Links from today's show: SECURE 2.0 Act of 2022 Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page -----

Look, we all know that lots of studies have found that highly processed foods raise the risk that you'll suffer obesity, diabetes, even cancer. Well, now a new study says processed foods also increase your risk of dementia. ----- Links from today's show: New study says eating ultra-processed food might lead to cognitive decline Common viruses may play a role in some cases of Alzheimer's disease Research shows that early retirement can accelerate cognitive decline Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page -----

It's Friday, February 17th. And today, I want to talk with you about connections. No, not not the touchy feely stuff. And no, not who knows who and who can get stuff done and stuff like that. No, I'm talking literally connections: connectivity--the technical aspect of this, because if you can't connect with the person you're trying to connect with, then nothing happens. Connectivity is everything these days. ----- Links from today's show: Unchained Podcast with Laura Shin Charting Disruption: Custom Content from WSJ and Global X ETFs present a guide to the trends, technologies, and bold ideas transforming our world -- and what's next Global X ETFs Internet of Things ETF Self-Care with Jean Edelman Podcast Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page -----

It's Thursday, February 16th. We've been talking about scams the past couple of days. Crypto has gotten a lot of criticism lately about scams, even though all the evidence shows you're no more likely to get scammed in crypto than you are in any other asset class. Crooks are crooks. But there's a really interesting story in Forbes - which is the bigger scam: crypto fraud or the lack of transparency at our nation's public pension plans? According to Anessa Santos, public pension funds are the bigger scam. The reason, she says, public plans have been promising all of us that you contribute a portion of your pay to the plan while you're working and you get guaranteed lifetime income throughout your retirement. But that's a lie, she says. And I agree with her. ----- Links from today's show: Forbes: Pension Funds or Cryptocurrency, What's the Bigger Scam? The Reason Foundation: Unfunded public pension liabilities are forecast to rise to $1.3 trillion in 2022 U.S. Dept. of Labor: Employee Retirement Income Security Act (ERISA) Pew: State Pension Contributions Hit Important Benchmark Who Stole My Pension by Robert Kiyosaki & Edward Siedle Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page -----

It's Wednesday, February 15th. Yesterday, we talked about scams. There's another big scam worth covering, only I don't see many in the media calling it a scam. ----- Links from today's show: WSJ: Six Takeaways From WSJ's Investigation Into the Stock Trades of Government Officials Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Tuesday, February 14. Another day, another scam. ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Monday, February 13th. I've got a difficult conversation to have with you today. Difficult because it's a touchy subject and I need to choose my words very carefully. ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Friday, February 10th. We're living in a digital world these days. No surprise there. It means there's a new threat to our way of life. Cyber-attacks. Cyber-attacks are growing in number and size. At the World Economic Forum this year, 39% of companies said they have suffered collateral damage from cyber-attacks. 90% of these companies are concerned about future attacks. I don't have to tell you, things are bad. Everybody knows things are bad. ----- Links from today's show: Webinar replay: What's Next for Crypto in 2023 Self-Care with Jean Edelman Podcast on YouTube ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

The past couple of days I've been talking with you about retirement, how to calculate in about 30 seconds how much money you're going to need and what to do when you get laid off in your 50s and 60s and you find yourself getting discriminated against because of ageism. Now, I want to talk with you about a related topic, Social Security. ----- Links from today's show: WSJ Op-Ed by Andrew Biggs The Must-Read Kevin McCarthy Quote on Social Security A desperate plea - then race for a deal before 'sucker goes down' Webinar replay: What's Next for Crypto in 2023 ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Wednesday, February 8th. Yesterday, I talked about the fact that you'll likely need millions of dollars in savings in order to retire in financial comfort. That raised a question from William in Albuquerque. He sent me an email that said the following: "Ric, no one wants to confront age discrimination. I think it's a potentially huge obstacle to anyone's efforts to achieve financial independence by retirement. I lost my well-paid job at 58 and I went to an unemployment seminar that was sponsored by the state of New Mexico, and the presenter said if you're over 40, getting a new job that is equivalent to the job you just lost is improbable, if not impossible..." ----- Links from today's show: Replay of Feb. 7 Webinar, What's Next for Crypto in 2023 ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

Let me ask you this, how much money do you need in order to retire in financial security and comfort? There's a new survey out from Northwestern Mutual. And unfortunately, like so many other surveys in the financial services industry, this one is just downright stupid. They even said so themselves. ----- Links from today's show: Today at 3pm ET: Webinar - Register here Northwestern Mutual Study Finds Americans Now Believe They Will Need $1.25 Million for Comfortable Retirement ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

Big news from the University of Maryland. It's the latest institution to make college free. Yeah, students from low-income families won't have to pay for tuition or fees. ----- Feb. 7 Webinar Registration How to Prevent College from Ruining Teens' Lives Master Class ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

Tom Emmer, a member of Congress, just issued a tweet and he said, "Crypto is here to stay. I will keep advocating for policies that advance crypto innovation and adoption in the US because crypto is more than a financial investment. It's about restoring liberty and choice to individuals". Wow. That's brand new coming from Tom Emmer. And he's not alone. Kevin McCarthy, the speaker of the House, way back in 2019, he said, "I like Bitcoin. I want the government to start using blockchain". That was in 2019 when Kevin McCarthy was not the Speaker of the House. Well, now he is, and he's in a much stronger position to dictate that the government in fact start using blockchain. So when you have these major political leaders embracing and endorsing this asset class, well, you know, things are coming. And this isn't just a Republican thing. Democrats, too, are highly supportive. Janet Yellen last year called blockchain technology transformative. Maxine Waters, the ranking minority member of the House Financial Services Committee, she said last summer, "We're in a new digital assets space race. America can't be left behind". And Elizabeth Warren last year said, "Let's do a central bank digital currency. Yes, I think it's time". ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

I want to talk with you though, about what's happening with three different companies right now because the news has hit about all three of these companies and they together provide an astonishing theme that I think is really worth talking about. ----- Links from today’s show: Ric on The Julia La Roche Show Webinar: What's Next for Crypto in 2023 Bitwise Asset Management Today’s sponsors: Global X ETFs ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

I've got new data for you on paid caregivers. This data is from 2021 - the most recent available that just got published. 65% of caregivers in 2021 were people who had quit their jobs or got fired because of their caregiving duties. We've got a huge, major supply gap. ----- Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Tuesday, January 31st. Guess what? ETFs have now hit their 30th anniversary. The first exchange traded fund was the Spyder S&P 500 ETF Trust, and for the first time ever, investors could buy and sell the 500 stocks of the S&P 500 in a single trade. Today, that ETF has $370 billion in assets. It's still the largest ETF in the world. ETFs have become the most popular investment vehicle in the country. There are now nearly 2000 ETFs on the market from hundreds of fund companies. ETFs are now far more popular than mutual funds, which have been around for 100 years. ----- Today’s sponsors: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

The Truth About Your Future was my book published back in 2017. And in that book I warned you that artificial intelligence would disrupt us in the future. Well, guess what? The future has arrived. Just like I said in my book in 2017, this is both really exciting and really scary. ChatGPT. Have you heard of this? This is a chatbot. ----- Links from today’s show: Financial Planning in the Age of Longevity Master Class ChatGPT Today’s sponsors: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Friday, January 27th. No longform interview. Today we will be visited by Jean with her word of the week and a song that's been written about me by Rich MADDOW. But I want to talk with you today about crypto because I made a comment earlier this week on this podcast that has resulted in a lot of head scratching and people wanting to know, Ric, why did you say what you said? I said that by summer of 2025, Bitcoin's price will be around $150,000. That's what, a 7x return in the next two and a half years? Why on earth would I make such an audacious prediction? Well, that's what I'm going to explain to you right now. ----- Links from today’s show: Fidelity Digital Assets Survey Self-Care with Jean Edelman podcast Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Thursday, January 26th. You know, the world is moving rapidly toward clean technologies, renewable energy, hydrogen fuel cells, electric vehicles. A lot of this is changing the way we power our lives. This is all because governments around the world are demanding that we meet aggressive climate change goals. Most countries are calling for net zero emissions by 2070, some as soon as 2050. ----- Links from today’s show: Global X ETFs + Wall Street Journal website Global X Copper Miners ETF (COPX) Disruptive Materials ETF (DMAT) Gold Explorers ETF (GOEX) Hydrogen ETF (HYDR) MLP and Energy Infrastructure ETF (MLPX) MLP ETF (MLPA) Silver Miners ETF (SIL) Uranium ETF (URA) Today’s sponsors: Global X ETFs Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

Yesterday, I blasted TIAA over their stupid survey that forced people to decide whether 60-year-olds would live to 76, 82 or 88. And then they said the correct answer is 82, when in fact the real answer is that if you're alive in 2030, you'll probably live to age 100 or beyond. If you want to understand why and you missed my podcast yesterday, just go listen to it. But there's one big nagging question. Do you really want to live to age 100? ----- Links from today’s show: McKinsey Health Institute on longevity Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

On today's show: Changing Demographics Creating Havoc with Pensions and SS in US and Abroad Why We’re Living Longer – to 100 and Beyond How Advisors Can Win New Business Thanks to the Stupidity of TIAA ----- Links from today’s show: Today's webinar for the Museum of American Finance TIAA Today’s sponsors: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Monday, January 23rd. Tomorrow at noon eastern time, I'm presenting a 90-minute webinar for the Museum of American Finance and the New York Public Library. The webinar's on Financial Planning in the Age of Longevity. The webinar is open to the public and you can register for free in the show notes below. Some 63% of Americans say that inflation pushed them off track financially. 59% are living paycheck to paycheck. 60% say they can't pay an unexpected expense of $500. 54% have reduced the amount that they're putting into their retirement accounts because of inflation. And 43% say they've withdrawn money from their retirement accounts to pay their bills. And you do have an explanation for this, don't you? Well, we all know the tremendous pressure that the economic environment has placed us under in 2022 because inflation was near double digits - 8.7% Social Security increases based on the rate of inflation. And we know that the stock market had a terrible year, the bond market had a terrible year, crypto had a terrible year. So between the fact that your expenses were radically rising at the very moment that your assets were fundamentally falling, we're now discovering ourselves with layoff after layoff after layoff. ----- Links from today’s show: Today's webinar for the Museum of American Finance Study: The Center for Retirement and Policy Studies at Morningstar The Hemline Index Today’s sponsors: Global X ETFs ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

Don't lose the house of your dreams to hackers and crooks - beware of this scam. What is a DAO and my crypto glossary. "The Wisdom of Ric Edelman," a poem by Mark F. Stone. Watch my 4 free Master Classes today. And Jean's word of the week and her new podcast! Plus, after losing so much money in bonds last year, should you own them in 2023? A chat with Invesco’s Matt Brill about what's going on in the bond market. ----- Links from today’s show: BulletShares Fixed Income ETFs from Invesco Invesco Total Return Bond ETF (GTO) Self-Care with Jean Edelman podcast Ric's free Master Classes Today’s sponsors: Global X ETFs Schwab Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

Today I want to talk about experiential technologies - not exponential - experiential. Artificial intelligence, cloud computing, the Metaverse: these breakthrough technologies are helping businesses and consumers function more efficiently. And all of this is going to transform the way we shop, the way we play travel, drive, learn, conduct business, even how we make new scientific discoveries. Some of this will be stuff you've either never heard of or don't understand. Things like the Metaverse or IoT, the Internet of Things. But you certainly know about robotics and AI and e-commerce. There's also cloud computing data centers, cell towers, video games, EA Sports, all of these are part of experiential technologies and they're changing everything about how we work and also about our leisure. ----- Links from today’s show: Global X E-commerce ETF (EBIZ) Global X FinTech ETF (FINX) Global X Internet of Things ETF (SNSR) Global X Cloud Computing ETF (CLOU) Global X Social Media ETF (SOCL) Global X Artificial Intelligence & Technology ETF (AIQ) Global X Robotics & Artificial Intelligence ETF (BOTZ) Global X & Wall Street Journal Report Today’s sponsors: Global X ETFs Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's January 18th. Yesterday I told you that real estate prices are going to fall this year by a lot - 10% or 20% or more in some markets. I've gotten a lot of questions asking me why I said that. Well, here's why. It's all about home affordability. You can't buy a house unless you can afford to buy a house. I mean, you might not be able to afford a candy bar, but no one stops you from buying it. If you don't have cash in your pocket, you just use a credit card. But if you want to buy a house, you need tens of thousands of dollars in cash just for the down payment. And then you've got to qualify for the mortgage. So here are the numbers. If you want to buy the average US home today based on today's mortgage rates, the average household in America would spend 30% of their income on their mortgage. Can the average household afford that? Zillow calls the situation bleak. ----- Links from today’s show: National Association of Realtors research Home onChain Teller protocol The Truth About Crypto Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Tuesday, January 17th. Do you remember what I told you to do one year ago? Yeah, you don't remember. But I do. Because I was right. I told you one year ago to get out of bonds. I sure hope you did. The Federal Reserve, as you know, raised interest rates more quickly last year than at any time since the 1980s. And the result was that bonds ended up having their worst year ever. Yeah. 10 year Treasuries lost more money last year than in any year since 1788. Treasuries, in fact, not only lost a lot of money last year, they lost a lot of money the year before that. Two years in a row, the bond market fell in value. The last time that happened was 1959. Bitcoin can recover; your bonds can't. ----- Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

Today is Friday, January 13. On today's show - The FDA has just approved a new drug called Leqembi. If you have early symptoms of Alzheimer's Disease, it can slow the cognitive decline. However, the cost makes it prohibitive for most people - at $26,000 per year! And to make matters worse, Medicare won't pay for it. This is bad news for the estimated six million people in the U.S. suffering from the disease. I'll also take a deep dive into crypto with Lex Sokolin. And finally, we'll hear Jean's word of the week. ----- Links from today’s show: FDA Approves Leqembi The Truth About Crypto by Ric Edelman Self-Care with Jean Edelman Podcast Ric's 4 Free Master Classes Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Thursday, January 12th. I'm Ric Edelman. Thanks for joining me on today's podcast, The Truth About Your Future. Today, we're talking about the green economy and the incredible investment opportunities that this is going to be representing. I'm talking about hydrogen, global decarbonization, autonomous and electric vehicles, solar disruptive materials, lithium and battery technology, climate change, wind, clean tech, US infrastructure development, renewable energy. That's a big list, isn't it? That gives you an idea of what's coming down the road. Why is all this happening now? Why is it such a big deal? ----- Links from today’s show: Special report from the Wall Street Journal and Global X ETFs Global X CleanTech ETF (CTEC) Global X Clean Water ETF (AQWA) Global X U.S. Infrastructure Development ETF (PAVE) Global X Green Building ETF (GRNR) Global X Lithium & Battery Tech ETF (LIT) Global X Solar ETF (RAYS) Global X Wind Energy ETF (WNDY) Global X Autonomous & Electric Vehicles ETF (DRIV) Today’s sponsors: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page

It's Wednesday, January 11. I talked with you yesterday about Social Security. This is the real crisis that America's retirees are facing. Let me shift the conversation back a few generations to, not today's seniors, but to today's high school students, those who are aspiring to go to college. According to a new survey, 77% of households say college is difficult to afford. Three out of four families say they can't afford college. Half of them say it's not affordable at all. These days, you pay a ton of money to go to school. You're getting suckered into bad deals that are promoted by the school so they can earn even more money off of you than merely the tuition you're paying. Links from today’s show: CFPB’s findings on banks and college students Fidelity to offer fully funded undergrad degrees to many of its entry-level employees Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

It's Tuesday, January 10. On today's show: the gap between what Social Security was MEANT to provide when it was created and how it's actually being used today. When Social Security was created, there were a lot of workers and not a lot of retirees because life expectancy was so low - we're just not dying at 65 anymore like we are supposed to! Take a look at your current S.S. statement and what your benefit is supposed to be, and cut that number by 25%. The truth about your future is that in 10 years, that will be your reality if Congress doesn't act now. Links from today’s show: Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast updates The Truth About Your Future website Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

Today is Monday, January 9th. Welcome to The Truth About Your Future. I'm going to share with you a couple of very personal stories today. One of them horribly serious, the other one a little bit lighter, although still highly annoying, but with importance - both of these messages and lessons for all of us. You know, it's so often people, when they go through a personal medical experience, they share that story with an admonition: Don't let this happen to you... Be forewarned… Here's how you can avoid it…Here's what I wish I knew… that kind of thing… and those kinds of stories always kind of annoyed me because I'm like, yeah, yeah, yeah, sure. Well, I'm about to share a couple of those stories with you and with the hope that there will be a lesson learned for you. It certainly has been lessons learned for Jean and me for the past several days. Thank you to Inova Fairfax Medical! Links from today’s show: Today’s sponsors: Global X ETFs Schwab ----- Subscribe to podcast updates The Truth About Your Future website Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

It's Friday, January 6th. Welcome to the podcast. Long show, big show today. Really excited. A great interview with Dr. Ken Dychtwald, one of the world's leading experts on aging. Before we get into it, though, I want to talk about a new report that has been produced by Global X ETFs. It's their outlook for 2023 and beyond. It's a special report that they published in coordination with the Wall Street Journal. And I'm going to be talking with you about this report over many, many weeks, because it's got a huge amount of fabulous content and it's all in the subject of exponential technologies, also called thematic investing. And I just want to share with you one snippet from Global X's outlook for 2023. Personalized medicine. You know, I'm a really big fan of exponential technologies. I created an Exponential Technologies ETF myself years ago, and my last book, The Truth about Your Future, was all about exponential technologies. My personal portfolio is significantly overweighted in exponential technologies, and I am firmly believing that you should have 20 to 30% of your equity portfolio in exponential technologies. And the first one I want to focus on with you is personalized medicine. This is one of the most important new waves of technology. It's literally going to change and extend your life. Links from today's show: Global X AgTech & Food Innovation ETF (KROP) Global X Genomics & Biotechology ETF (GNOM) Global X Telemedicine & Digital Health ETF (EDOC) Global X Aging Population ETF (AGNG) Global X Health & Wellness ETF (BFIT) Wall Street Journal + Global X ETFs Charting Disruption website Age Wave website Edward Jones study Self-Care with Jean Edelman Today’s sponsors: Global X ETFs and Invesco QQQ Subscribe to podcast updates Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

Yes, inflation hit a 4-decade high in 2022, the cost of goods and energy is up globally, and half of economists say a recession is in our future. According to the IMF, 2023 will be the worst year for the global economy since 2001. But investors and advisors need to keep this fundamental truth in mind: there’s a huge difference between the stock market and the economy. You need to know the key indicators and not get overly pessimistic – there are opportunities here. Today’s sponsor: Global X ETFs and Invesco QQQ Subscribe to podcast updates Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

On today’s podcast, I’m talking about brain health and improving cognitive function through activities like pickleball and crossword puzzles. ‘Purposeful exercise’ is essential, and if you’re a financial advisor, you should be having these conversations with your clients – they’ll thank you for it later! Today’s sponsor: Global X ETFs Subscribe to podcast updates Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

This new daily podcast will cover five major themes: longevity, retirement security, exponential technologies, blockchain and digital assets and health and wellness. Subscribe to podcast updates Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

Happy Holidays! On today's show, the impact of exercise on Alzheimer's disease. Guess who's getting into blockchain startups? A new treatment improves memory by 65%. Plus our health and wellness segment with my wife, Jean. Ask Ric a Question on the Podcast

Thanks for joining me this holiday season. Happy Hanukkah to you. And coming up on today's show: the problem with adjustable rate mortgages, amazing advances in health care management, the advantages of REITs (Real Estate Investment Trusts), living healthy at age 100, and I'll tell you about my new weekday podcast that begins January 3. Plus my wife, Jean, with her word of the week. An interview with John Weiser from Tokenology Labs. An interview with Chase Bolding from Invesco on REITs. Links from today's show: Ric and Jean Edelman Planetarium Jean and Ric Edelman Fossil Park & Museum Sign-up for email updates about Ric's new daily podcast, starting January 3 Ask Ric a question on his show Follow Ric on social media: Facebook Twitter YouTube Instagram

On today’s show: A conversation with Perianne Boring, Founder and CEO of the Chamber of Digital Commerce, on when we are going to see a Bitcoin ETF. A look at Social Security and whether it’s going to be there when you reach retirement. A new study that reveals how mental declines impact seniors’ financial skills. What the demand for copper means for our economy, and our weekly health and wellness segment with my wife, Jean Edelman. Ask Ric a question on his show.

Some of the newest technological advances in healthcare are making news: there’s a new soft implantable cooling device that could provide pain relief on demand. This is a big deal because 20% of people suffer from chronic pain. Scientists at the Institute of Cancer Research have genetically modified the herpes simplex virus – that’s the virus that gives you a cold sore. And they're using this modification to attack cancerous tumors. It has apparently cured one person so far. A biotech company in New York has used 3D printing to make a body part with a patient’s own cells; they’re calling this a stunning advance in the field of tissue engineering. There is a disturbing new trend happening: IBM has been making some major changes to its pension plan. And you need to be aware of the message this is sending, especially if you rely on or plan to rely on your own pension. If you took advantage of one of the rules Congress enacted for the 2020 CARES Act that allowed you to withdraw money from your IRA or 401 (K) during the pandemic, even if you weren’t 59.5 years old, you have a really cool opportunity to get a refund on the income taxes you paid on that money. An interview with Sandy Kaul from Franklin Templeton about the newest megatrend in tech. An interview with Felix Kwan from Edelman Financial Engines about the impact the current markets have on charitable giving. Jean’s word of the week: PAGE --------------------------------------------- Links from the show: Franklin Templeton whitepaper Replay of October 2022 webinar with Franklin Templeton’s Sandy Kaul --------------------------------------------- Ric’s newest book: The Truth About Crypto Ask Ric a question on his show The Truth About Your Future website Digital Assets Council of Financial Professionals website ----------------------------------------- Follow Ric on social media: Facebook Twitter Instagram YouTube

Happy Thanksgiving weekend to you. Coming up on the show today: news about NFTs, the SEC cracks down on crypto scams, falling home prices, compensation for caregivers and Invesco’s brand-new personal finance game. Also, an interview with Invesco’s Ryan McCormack and my wife Jean with her weekly health and wellness segment. How Not to Suck at Money Ask Ric a question on his show. What to Consider When Contemplating Crypto for Client Portfolios

On today’s show: A conversation with Adam Sze from Global X ETFs on the state of the crypto market. How the auto industry is helping older drivers. The cost of raising a child and how to factor into your financial plan. More on the President’s student loan forgiveness plan. Year-end tax planning tips with Clay Ernst, Executive Director of Financial Planning at Edelman Financial Engines. Our weekly health and wellness segment with my wife, Jean Edelman. Ask Ric a question on his show.

FTX, the world's second largest crypto exchange, has announced that the company is broke, that they aren't able to handle withdrawal requests from their crypto exchange platform. Now you've probably heard of FTX. FTX slapped their logo on the uniforms of umpires in the World Series. They bought the naming rights to the stadium where the Miami Heat plays – they paid $212 million for that. The founder and CEO of FTX is Sam Bankman-Fried – 32 years old and worth $32 billion, at least until this week. And he not only was on the cover of Time Magazine, but he just recently contributed $39 million to Democrat Political Action Committees, making himself one of the largest political contributors in the country. Now, we need to unwind all of this and talk about what it means for crypto – the impact on Bitcoin and other digital assets. Watch the webinar on the FTX debacle Tax Evaluator tool from Blackrock Ask Ric a question on his show The Truth About Your Future website

Happy weekend to you! Some of what we're going to be covering today: the truth about your friends at work, should you engage in staking and lending to earn yield, building a robotic dog to service Alzheimer's patients, tax loss harvesting. Plus our health and wellness segment with my wife, Jean Edelman. Ask Ric a Question on the Show Bitwise Investments

On today’s show: This is the problem with aging populations and birth rates. The investment strategy you need to exploit autonomous vehicles, electric vehicles and transportation of the future. A conversation on retirement security with Sean Wintz, Executive Director of financial planning at Edelman Financial Engines. Plus, my wife Jean takes a break from her health and wellness segment to sit down for an interview and share her side of our journey. Ask Ric a question on his show.

On today’s show: Tax loss harvesting, the benefits of ETFs, pension funds and real estate, and this week's health and wellness segment by my wife, Jean Edelman. I also interview Invesco’s John Frank, Head of ETF Specialists, and Nick Kalivas, Head Factor & Core Equity Product Strategy. Ask Ric a question on his show.

Recently you heard me talk about the president's student loan proposal, and you know that I strongly oppose the president's debt forgiveness plan. But all that said, there's no question that too many people owe too much money to student loans, and this dilemma is creating too much of a burden on them, as well as on our society overall, and our economy. So there's no question we do need to fix this situation. We do need to take action. But the loan forgiveness program proposed by the president isn't the right way to go about it; loan forgiveness should be offered, but for far fewer people, not 43 million who earn as much as a quarter of a million dollars each year. I'm really excited to bring on a very special guest to the program, my good friend Bob Pisani. You know him well. He's the senior markets correspondent for CNBC and he's just written a brand new book, Shut Up And Keep Talking: Lessons on Life and Investing from the Floor of the New York Stock Exchange. The book is out October 18. You can buy it right now on Amazon or your favorite bookseller. One of the things that we all kind of face with hesitation is our retirement. I mean, sure, we're going to age. We're going to eventually leave our job. It might be voluntary. On the other hand, it may be forced. Either way, we're facing one of the most radical lifestyle changes of our entire lives. I mean, think back to the last time you had such a radical change in lifestyle. Getting married certainly was one. Moving to a new home - that's a biggie. Having children - for sure. Getting a new job - that was a big one. But when's the last time any of those happened? Maybe decades ago. Well, now you're on the cusp of facing another lifestyle change: leaving your employment. And some folks enter this with the attitude of saying, my goodness, the best years of my life are behind me. I'm looking at a void. I'm looking at loss. What does this mean for my future? Is life over? And what am I going to be facing? Well, I've got two stories for you to demonstrate that life is just beginning as you age. Register for the October 20 webinar Ask Ric a question on his show

We've seen an incredible array of disarray in the financial markets on a global basis. The U.S. dollar is very, very strong right now, meaning the dollar is worth a lot more than other currencies around the world. That's really good news for the U.S., but it's really bad news for everybody else. Members of Congress -- 18% of them are engaging in insider trading, according to research from The New York Times. 183 senators or representatives did a stock trade in the past three years, and more than half of them sat on committees that gave them insight into the companies whose shares they bought or sold. In Jean's segment, she talks about the value of time and how to cherish and protect it. Register for the October 20 webinar Ric mentions on the show Thank you, Matt Hougan and Bitwise for the great interview this week Ask Ric a question on his show