THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

In today's episode, I discuss the results of a recent Fidelity survey on crypto adoption in the U.S. and around the world. As one of the largest financial services companies in America, Fidelity is heavily engaged in crypto, and their survey reveals some fascinating insights into the growth of digital assets among institutional investors, high net worth individuals, financial advisors, and more. Listen in as I share the key findings from this comprehensive survey, including the percentage of investors who believe digital assets should be a part of a diversified portfolio, and the recommended allocation of crypto for those looking to invest. ----- Links from today's show: Fidelity Study: 2022 Institutional Investor Digital Assets Study Fidelity Crypto Account Certificate in Blockchain & 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 -----

On today's show, I'll explore a space heater and air purifier that doubles as a Bitcoin miner. Imagine warming your indoor space, purifying the air, and mining enough Bitcoin to potentially cover 100% of your electricity bill! Join us in this episode as we discuss the incredible ways technology is revolutionizing our daily lives and creating unique investment opportunities. Also, get ready to uncover the future of investing in crypto at our upcoming annual VISION Conference in June! As the longest-running event exclusively for financial advisors and accredited investors, we're thrilled to bring you an incredible lineup of speakers like CNBC's Downtown Josh Brown, Congressman Patrick McHenry, and Dave Hirsch from the SEC's Crypto Enforcement Division. Plus, don't forget to celebrate the graduates at the Ric Edelman College of Communications and Creative Arts at Rowan University with us! ----- Links from today's show: VISION Conference Heatbit 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 -----

What happens when Tupperware, an iconic brand which has paved the way for women's careers over the years, faces potential bankruptcy? In this episode, Cal Thomas, America's number one syndicated columnist, joins me in a fascinating discussion on the demise of Tupperware and the importance of investing in the businesses of the future. We also tackle the topic of bridging the gap between liberals and conservatives in America. Listen in as we share our thoughts on how reaching across the aisle can create unity and understanding, as well as discussing my new book, A Watchman in the Night. Lastly, we touch on the influence of media bias in American politics. We share our experiences with the media's fixation on stories involving Donald Trump and the impact this has on our society. Reflecting on how the media has become increasingly focused on creating turmoil and conflict, we explore the importance of navigating this landscape with a critical eye. Don't miss this insightful conversation with Cal Thomas and our take on the current state of politics and media in America. ----- Links from today's show: Certificate in Blockchain and Digital Assets Global X Blockchain ETF (BKCH) Cal Thomas Website Cal Thomas and Julie Andrews A Watchman in the Night by Cal Thomas Finding Your Roots on PBS 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 -----

Discover how India's incredible growth and development is transforming its economy and creating exciting investment opportunities. With its massive infrastructure and transportation upgrades, India has moved from a poverty-stricken nation to the fifth largest economy in the world. I'll also discuss India's commitment to innovation and green energy, as demonstrated by its impressive solar power projects and digital advancements. India presents exciting investment opportunities you won't want to miss. ----- Links from today's show: Money Show Accredited Investor Expo Invesco India ETF (PIN) Franklin FTSE India ETF (FLIN) 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 -----

Follow Ric on Social Media: Facebook Twitter LinkedIn Instagram Today, I'll uncover the secrets behind the death of TINA, the stock market trend that emerged during the pandemic, and you'll learn how Apple's partnership with Goldman Sachs is shaking up the banking world with an unheard-of interest rate. I'll also discuss the recent government shutdowns of Silver Gate Bank, Signature Bank, and Silicon Valley Bank, and the impact on the hundreds of billions of dollars withdrawn from U.S. banks in the past month. Discover how the looming federal shutdown could wreak havoc on money market funds and short term treasury bills, and what this all means for your investments. ----- 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? Disclosure page -----

I have to say, I am fired up about Gary Gensler's recent Twitter video. He uses a condescending and insulting metaphor along with some cute animation. I'll play the audio for you and then give you my reaction to his comments. Gary Gensler can't kill crypto, but he can harm American investors and damage American economic leadership in the world. You need to contact your elected representatives in Washington and tell them to pass the laws. We need to foster development of this technology while simultaneously protecting U.S. investors. We can do both. I encourage you to go watch Gary Gensler's Twitter video and read some of the 4000 comments; virtually all of them horribly negative against that video and Gary Gensler's behavior. His behavior is bad for America. He's ultimately going to fail. And the sooner Congress puts him in his place, the better for all of us. ----- Links from today's show: Gary Gensler's Twitter video The Truth About Crypto by Ric Edelman Certificate in Blockchain & Digital Assets Brought to you by: 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 -----

Are electric vehicles (EVs) the future of transportation? As Tesla faces recent issues like price cuts impacting used car values, recall issues with their autopilot system, and potential privacy concerns with internal cameras, on today's podcast, I help you navigate the complexities of this new technology to make an informed decision on your next vehicle purchase. Meanwhile, the world of crypto and blockchain continues to evolve. Stay ahead of the curve with our new certificate program in blockchain and digital assets, designed for investors, consumers, students, financial advisors, and professionals. Cut through the noise and gain valuable insights into the realm of digital currencies, equipping yourself with the knowledge needed to navigate the future of finance. ----- Links from today's show: Tesla cuts U.S. prices for sixth time this year ahead of first-quarter results from CNBC The Average Price of a Used Tesla is Down $18,000 From 6 Months Ago from InsideEVs.com 2 Tesla Model Y Steering Wheels Fell Off - NHTSA is Investigating from Car and Driver Special Report: Tesla workers shared sensitive images recorded by customer cars from Reuters Electric Car Tax Credits: State by State from U.S. News & World Report Certificate in Blockchain and Digital Assets from DACFP 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 -----

Today we're discussing focused ultrasound, a noninvasive therapeutic technology that has the potential to revolutionize healthcare. We have Neal Kassell, MD, founder of the Focused Ultrasound Foundation, joining us to discuss this exciting innovation. Focused ultrasound uses multiple beams of ultrasound energy to target specific areas in the body with precision, sparing adjacent normal tissue. This technology has over 170 clinical indications in various stages of development and can be used to treat a wide variety of medical disorders. One example is in the treatment of essential tremor, where abnormal nerve cells in the brain can be destroyed without incisions or drugs. ----- Links from today's show: Focused Ultrasound Foundation Pivotal Trial Results of Focused Ultrasound for Parkinson's Disease Published Michael J. Fox Foundation Focused Ultrasound Reaches Millions on CNN Video Self-Care with Jean Edelman website Friday's Bitwise Roundtable 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 -----

Today we're talking about Alzheimer's disease. Did you know that the odds of getting Alzheimer's by age 90 is 1 in 2? And the odds by age 60 are 1 in 10? That's scary stuff. And not only is it emotionally and physically taxing, but it's also financially taxing. Alzheimer's patients require typically 24/7 care, which costs an average of $120,000 a year. But there's good news - new research shows that losing weight can actually reduce your risk of developing Alzheimer's disease. ----- Links from today's show: Today's webinar - Preparing Your Practice for Success in the Coming Decade Friday's Bitwise Roundtable 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 -----

On today's episode, I'll share some surprising insights on how to live longer and healthier. Did you know that by age 90, 1 in 2 people will have Alzheimer's disease? But there's hope, and I'll tell you about a company that's aiming to add 10 healthy years to our lives. But it's not just about fancy tech, as the US Surgeon General pointed out, loneliness is an epidemic that's contributing to our shorter and sicker lives. I'll share some practical tips to help you combat loneliness and improve your mental health. We'll also talk about the importance of healthy eating and look at a particular community in California that has an unusually high number of centenarians. ----- Links from today's show: Get an email reminder for Ric's podcast episodes 4/27 Webinar registration 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 -----

Charlie Munger recently wrote an op-ed in the Wall Street Journal saying America should ban crypto. His partner in crime, Warren Buffett, says Bitcoin has no unique value at all. He doesn't think crypto counts as money. Well, let me help out both of these guys. Let me give you just a few real-world examples of how crypto solves problems and is helping millions of people around the world ----- Links from today's show: Webinar today: How Crypto is Really Going to Change the World WSJ Op-Ed - Why America Should Ban Crypto by Charlie Munger Global X Blockchain ETF Global X Blockchain and Bitcoin Strategy ETF Global X Metaverse ETF 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 said that the biggest scam in investing today is ESG (environmental, social, governance), mutual funds and ETFs that invest with a filter so that they only invest in companies that pay attention to ESG values. I said that a lot of people have invested in ESG, and so that's pretty cool, right? You can align your investments with your values. But I also said that that's nothing but a sales pitch. Of the 120 funds that currently have a Triple-A rating for adhering to ESG, the company that awards those ratings is about to announce that they've been wrong. ----- Links from today's show: 4/12 podcast episode Another Black Eye for ESG in MSCI's Mass Downgrade Tuesday Webinar: How Crypto is Really Going to Change the World 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 -----

Today's podcast is eye-opening. It's shocking to know that so many people making six-figure salaries are still living paycheck to paycheck. And it's all because of the cost of living in certain cities. I see this all the time. People are so focused on following their passions and pursuing certain careers without really considering the financial implications. Sure, it's great to do what you love, but if it's not going to provide you with a comfortable lifestyle, is it really worth it? I know it's not easy to make career and location decisions based on finances, but it's important to have an honest conversation with yourself and your financial advisor. You need to consider the cost of living in the area you want to live and the compensation you can expect from your chosen career. I hope you enjoy today's show. Have a great weekend. Ric ----- Links from today's show: The Compound & Friends with Josh Brown 4/25 Webinar: How Crypto is Really Going to Change the World A Short and Happy Guide to Bitcoin, Blockchain and Crypto by Del Wright Certificate in Blockchain and Digital Assets Self-Care with Jean Edelman 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 new poll conducted by The Wall Street Journal in collaboration with the University of Chicago found that 56% of Americans believe that a four-year degree is no longer worth the cost. Skepticism is highest among those aged 18 to 34, the target demographic for colleges. The poll also found that only 44% of women, regardless of political affiliation, believe that college is worth it. College enrollment is down by 1.3 million students over the past four years, equating to $60 billion in lost tuition revenue for colleges. ----- Links from today's show: Americans are Losing Faith in College Education, Poll Finds (from The Wall Street Journal) 4/25 Webinar registration: How Crypto is Really Going to Change the World 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 -----

I want to talk to you about Dan Snyder, the owner of the Washington Commanders, and the actions he has taken during his 24-year tenure. From building a fence around the stadium to prevent fans from parking for free, to charging admission fees for fans to attend training camp, to failing to address complaints of misconduct by team officials, it's no wonder why pretty much everyone seems to hate this guy - the league, the other NFL owners, the team's players and staff, and the fans. Under Snyder's ownership, the team has lost nearly 60% of its games and hasn't won a playoff game in nearly 20 years, yet he's now selling the team for a whopping $6 billion. It's important to learn from his example and decide what truly matters to you. Is it wealth and success at any cost or integrity and respect? It's up to you to make that call. ----- Links from today's show: From passion to pariah: How Washington fell out of love with its NFL team -- and came to despise its owner (The Washington Post) Wall Street Journal/University of Chicago poll -- Ric's podcast from April 3, 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 -----

The world of cryptocurrency is rapidly evolving, and I'm worried that the United States is getting left behind. Here in the United States, the Securities and Exchange Commission (SEC) seems more interested in enforcing crypto regulations than fostering innovation. Their proposed rule to effectively ban advisors from recommending or investing client assets in crypto is worrying, and it seems like we're missing out on the potential benefits of this technology. I urge you to stay informed about the rapidly-evolving world of crypto and make informed decisions about investing in this space. Don't let fear and uncertainty hold you back from the potential opportunities that this technology can offer. ----- Links from today's show: Rendering Innovation Kaput: Statement on Amending the Definition of Exchange by SEC Commissioner Hester Peirce DACFP 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 -----

Today, I discuss the Human Cell Atlas and how it is transforming medical research. The Human Genome Project mapped the entire genome, but now the focus is on the 37 trillion cells in the human body. The Human Cell Atlas has identified thousands of cell categories, and researchers plan to have a first draft of the full atlas in just two years. This research has already led to discoveries in cystic fibrosis, inflammatory bowel disease, and cancer, and will ultimately lead to the eradication of disease and extension of healthy life. ----- Links from today's show: The Human Genome Project Human Cell Atlas Global X Genomics and Biotech ETF (GNOM) 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 -----

We've talked a lot this week about how you're going to live for a long time. That's a good thing because your kids are counting on it. Now, not because they love you, although, okay, I'll assume they do. It's because you're probably giving them money. ----- Links from today's show: National Council on Aging Boost Your Budget Week BenefitsCheckup.org Job Skills Checkup Budget Checkup 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 -----

In 2019, there were 470,000 ATMs all across the United States. Today, are there more or less? ----- Links from today's show: Winners Announced in Best in Business Book Awards Real Vision Daily Briefing podcast DACFP VISION Conference in June 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 -----

Today, we're going to talk about scams. One scam in particular, and it's the biggest scam in investing today, ESG. It's a good sales pitch. ----- Links from today's show: ESG MSCI makes public ESG metrics for indexes and funds to drive greater ESG transparency 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 -----

And spoiler alert, if you haven't listened to yesterday's podcast, go listen to that now before you listen to this podcast today. Yesterday's podcast is only six minutes, so go listen to that real quick. ----- Links from today's show: 4/10 Podcast Artificial Intelligence & Technology ETF (AIQ) Robotics & Artificial Intelligence ETF (BOTZ) 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 -----

Crypto has been around for more than a decade. Bitcoin, the first and most famous cryptocurrency is now worth more than $25,000, and there are thousands of other coins and tokens out there. But what is cryptocurrency exactly? ----- Links from today's show: Artificial Intelligence & Technology ETF (AIQ) Robotics & Artificial Intelligence ETF (BOTZ) 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 -----

We've been talking about retirement security lately, what's going on in France and South Korea, and how this is a global problem. All around the world. We're living longer and producing fewer babies, and that means all over the world, fewer people are working and paying into Social Security and similar government retirement plans. And more people are retired and taking money out. All these programs are going broke. ----- Links from today's show: Self-Care with Jean Edelman podcast Jean's Twitter Jean's Instagram Jean's 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 -----

Yesterday I said here on the podcast that federal banking regulators have been trying to kill crypto companies by denying them access to banks. The FDIC shut down Silvergate and Signature Banks and Silicon Valley Bank, all of which did a lot of business with crypto companies. And the regulators are trying to tell other banks not to do business with crypto companies. Their efforts so far are failing because crypto is a legitimate industry that's operating - for the most part anyway, legally and profitably. Why wouldn't a bank want to do business with an industry like this? Just because you don't like crypto, what does that have to do with it? That's like saying you won't let tobacco companies or casinos or gun manufacturers have bank accounts just because you don't like what they do either. ----- Links from today's show: Money Market, Fidelity Money Market, Invesco Money Market, Schwab 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 -----

Remember I said on a show not long ago that federal regulators are trying to kill crypto? Well, a Washington, D.C. law firm has now published a 37-page white paper making that same accusation. ----- Links from today's show: Operation Choke Point 2.0: The Federal Bank Regulators Come For Crypto Blockchain & Bitcoin Strategy ETF (BITS) Blockchain ETF (BKCH) Metaverse ETF (VR) The Briefing with Steve Scully 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, April 3rd, and I thought I would share with you today some of the emails that I have been receiving from all of you over the past several months. There's a lot of really interesting commentary here that's I think, worth sharing with you. ----- Links from today's show: 3/7 podcast The Premium/Discount Feature of Digital Asset OTC Trusts WeCanRise.com 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 -----

So can we blame millennials who don't want to work hard? Is it really their fault when they're raised this way to expect everything to be handed to them, to never have to suffer the experience of failure, sacrifice, delayed gratification? We have millennials demanding that the government waive their student loan debt. ----- Links from today's show: 3/20 podcast Bitwise event information Investment Advisor Association 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 -----

I want to tell you about Jeffrey Cutter. He's a financial advisor in Massachusetts. He operates his own firm called Cutter Financial Group, and he manages about $134 million for about 400 clients since 2014. For the past nine years, Jeffrey Cutter has been selling annuities to his clients, and he never told them that he's been collecting commissions of 7% to 8%. All this in addition to the 2% annual fee that he and his firm charged. ----- Links from today's show: SEC Charges Investment Advisor with Defrauding Clients in Connection with Annuity Sales Self-Care with Jean Edelman Podcast Jean on Twitter Jean on Instagram 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 -----

You've been hearing a lot about ChatGPT, haven't you? That's a chat bot that writes term papers. It even passed the bar exam and now the company that makes it says 80% of US jobs are going to be impacted by this new software. That's because ChatGPT and other programs like it are all about artificial intelligence, and they're going to be able to write code, do math with more accuracy and consistency. Your boss is going to pay for the software to do your job instead of hiring you to do it. ----- Links from today's show: 3/28 podcast What is ChatGPT and why does it matter? Ric's book, The Truth About Your Future 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 a basic, simple, fundamental question. Why are you going to college? Why are you sending your kid to college? Well, it's because getting a college degree helps you prepare for a career, right? And that career pays more money than the careers that are available to people who don't go to college. That's the fundamental thesis, isn't it? Well, let me tell you about the 10 worst paying college majors. ----- Links from today's show: Ric's Master Class: How to Prevent College From Ruining Your Life Bitwise Roundtable information How much will you make in your 30s and 40s? Here are the best - and worst - paying college majors You now can earn college credit through YouTube videos Society for Human Resource Management President Biden Announces Student Loan Relief for Borrowers Who Need It Most 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, March 27th, and I am astonished that Wells Fargo is paying yet another $300 million to settle yet another class action lawsuit. In this particular case, this lawsuit alleged that the bank forced hundreds of thousands of its customers to buy unnecessary insurance when getting an auto loan. This is just the latest in a long string of financial fines and lawsuits, settlements that Wells Fargo has incurred since 2000. ----- Links from today's show: Wells Fargo agrees to pay $300 million to settle with shareholders over auto insurance disclosures 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, March 24th. I want to talk about old people today. Yeah, those who are 65 plus, we're talking about a group of the US population that represents 17% of everybody in the US, but they have 75% of all the wealth in the US. We're talking about $70 trillion that are owned and controlled by people 65 and older over the next 20 years. All that money, $70 trillion, is going to be transferred to their children and other heirs. ----- Links from today's show: Cerulli Survey Ava Labs Appetite for Disruption podcast Global Blockchain Convergence Self-Care with Jean Edelman 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, March 23rd. Yesterday, we talked about the four-day workweek. If you work one day less a week, maybe you can work more years, meaning your body might not get worn out so quickly. And if working fewer days a week lets you stay in the workforce longer, that might be really good for your long-term health. A new study says that if you retire early, you could indeed damage your health. ----- Links from today's show: 3/22/23 Podcast: Will You Soon Enjoy The Four-Day Work Week? Study: Retiring early may accelerate cognitive decline Self-Care with Jean Edelman 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 -----

It's Wednesday, March 22nd. 100 years ago, odds were high that you lived and worked on a farm. That was a 24/7/365 job because, you know, cows and pigs and chickens, they never take the day off. They got to be fed or milked or always cared for and crops always needed tending to every day. The Industrial Revolution gave us the six-day workweek. Sunday was off for religious reasons. Eventually, that led to the five-day workweek. In 1938, Congress created the 40-hour workweek and set overtime pay for anything more than that. That was then. Now there's a movement to a four-day workweek. ----- Links from today's show: U.K. 4-Day Work Week Study 32-Hour Workweek Bill Reintroduced in Congress 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, March 21st. I often talk about tech on this show because our technological innovations are changing the planet. We're growing so accustomed to them that tech innovations are just not getting anybody terribly excited about them anymore. I've deliberately waited a few weeks to bring you today's story because I wanted to make this point. ----- Links from today's show: Farewell to the last 747 delivery Edelman Scholars Ric Edelman College of Communication & Creative Arts Digital Assets Council of Financial Professionals 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, March 20th. It's the first day of spring. Awesome. Hey, you know, everybody, of course, wants to have a secure financial future, but millions of Americans are setting themselves up for financial failure instead. That's because of their poor judgment, their immature behavior and their bad decisions. And I might well be talking about your adult children. ----- Links from today's show: Americans in their 30s are racking up debt. Here's why: My Solution to Save Social Security -- Wacky or Brilliant? You Tell Me. 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, March 17th. Happy Saint Patrick's Day. Aren't you glad I reminded you so you can be sure to wear green? All this week, we've been focusing on how the future is changing, particularly the future of society. If you missed any of these shows, go listen to them. The links are all in the show notes. Today, this is our last segment of this series. I want to again focus on the topic of death. But this one, frankly, more seriously. It's more a current topic than what we've covered so far this week. Today, I want to talk about the survivor, particularly widows and widowers. ----- Links from today's show: Monday's show Tuesday's show Wednesday's show Thursday's show Amy Florian interview Certificate in Blockchain and Digital Assets Smart Kx 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, March 16th. All this week, we're focusing on how the future is changing society. Today we're going to talk about another aspect of society that's changing - the changing nature of funerals or more specifically, burials. New York just became the sixth state in the country to allow human composting as a method of burial. ----- Links from today's show: Self-Care with Jean Edelman Podcast on YouTube Self-Care with Jean Edelman Podcast on Instagram Self-Care with Jean Edelman Podcast on Twitter 'Human Composting,' already legal in 6 states, could help the planet Signature Bank Was Shut Down to Send 'Anti-Crypto' Message: Barney Frank Signature Bank Shutdown Caused by 'Crisis of Confidence' in Leadership, NYDFS Says Crypto VC Digital Currency Group Turns To New Banking Partners After SVB Financial Debacle Schwab Rallies as CEO Bettinger Says He Bought 50,000 Shares 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, March 15th. All this week we're focusing on how the future is changing, particularly the future of society. Today we're going to talk about another aspect of society that's changing - the role of grandparents. ----- Links from today's show: 3/13 Podcast 3/14 Podcast Global X Aging Population ETF (AGNG) 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, March 14th. All this week, we're focusing on how the future is changing the future of society. Yesterday, I told you how the institution of marriage is changing. Today, we're going to talk about another aspect of society that's changing our attitude about disability. Plus, I'll talk to you about what's going on in the banking world. ----- Links from today's show: Americans with Disabilities Act 3/14 Webinar - FinancialExpertsNetwork.com 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, March 13th. Thanks for joining me. This podcast, as you know, is devoted to telling you about the future. And normally that means I'm talking about technological innovation, exponential technology in particular. But these aren't the only reasons that our future is changing. It's not just because of technological innovation. Society itself is changing as well. ----- Links from today's show: Consensual Non-Monogamy GALLUP Poll 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, March 10th. And I want to ask you a question. Does anybody use Bitcoin for anything other than illegal activities? You'd be amazed how many people make that claim that the only purpose of Bitcoin is illicit activity. They use it for drug money or for terrorist financing, or just for outright hacking and thievery. It's nonsense. And I've got the proof right here. ----- Links from today's show: 2023 Crypto Crime Report The romance scam The giveaway scam The impersonation scam Financial Planning Association 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 -----

Welcome to the 100th episode of The Truth About Your Future podcast. I've been doing radio for 32 years and in January a year ago, we converted the radio show into this new daily podcast. I'm excited that you're still with me on this journey and I'll now shift from looking backward to the start of this podcast - January of 2022 - to the future, and I want to share with you what the future of retirement in America looks like. And unfortunately, it's not pretty. ----- Links from today's show: French Government Unveils Plan to Raise Retirement Age to 64 At the Heart of France's Long Strikes, a Fight Between the Haves and the Have-Nots Why France is arguing about work, and the right to be lazy Ric on "Something You Should Know" podcast with Mike Carruthers 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 Wednesday, March 8th. Earlier this week, for a couple of days, I was telling you about the absurdity of the Social Security system, referring to full retirement age, when in fact it has nothing to do with being full at age 66. I said that what the Social Security system needs to do is get rid of the term full. Well, guess what? Four senators have now just introduced legislation that would indeed change the language used by the Social Security Administration. Under their bill, full retirement age would no longer be called full. It will now be called standard benefit. Age 62 would be called the minimum benefit and age 70, the maximum benefit exactly the way it ought to be. ----- Links from today's show: March 6 Podcast: The Social Security Admin. is Full of It March 7 Podcast: My Solution to Save Social Security -- Wacky or Brilliant? Artificial Intelligence & Technology ETF (AIQ) Robotics & Artificial Intelligence ETF (BOTZ) Thematic Growth ETF (GXTG) Autonomous & Electric Vehicles ETF (DRIV) U.S. Infrastructure Development ETF (PAVE) CleanTech ETF (CTEC) Lithium & Battery Tech ETF (LIT) Solar ETF (RAYS) Copper Miners ETF (COPX) Disruptive Materials ETF (DMAT) 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, March 7th, and we have a crisis with our Social Security trust fund. You've heard me talk about this an awful lot. I'm going to set that up for you so you understand exactly what the problem is. And then I'm going to tell you a crazy solution. I wonder maybe if it might work. You'll be the judge. ----- Weigh-in on Ric's idea to save Social Security: Ric's Facebook Ric's Twitter Ric's Instagram Email Ric: [email protected] 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 you to define the word 'full' for me. What does full mean? Well, I think you would say that full means full. No more; at capacity; topped out. If I ask for a full glass of water, you're going to pour water in that glass until you can't pour any more water into the glass. Right? Full means full. We're done. Well, unfortunately, that word has been incorrectly used by the Social Security Administration, and it is causing millions of Americans to make bad decisions, decisions that they wouldn't make if it weren't for the Social Security Administration's incorrect usage of the word. ----- 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 -----

Bitcoin Ordinals: The Newest Crypto Innovation Exclusive interview with crypto tax expert René Chaze Self-Care with Jean Edelman: How To Bring Balance Into Your Busy Life ----- Links from today's show: Self-Care with Jean Edelman Podcast The 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 -----

It's Thursday, March 2nd. Today, I'm speaking at the Future of Digital Assets Symposium in Washington, DC. The event is hosted by the Milken Institute in collaboration with UNC and Duke University. My topic is digital innovation and security. It's an invitation only event. Pretty impressive roster of attendees, so I'm excited to be among the speakers doing gigs like this, consulting in the financial services field, focusing on digital assets. It's part of my reinvention of myself. Back in 2021, after 37 years of building and running Edelman Financial, what became the largest advisory firm in the country, my wife Jean and I left the company and we have then found ourselves faced with a question of, well, now what? ----- Links from today's show: The Truth About Your Friends at Work Global X Aging Population ETF 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 -----

Hey, did you know that 22% of us adults now own Bitcoin or other digital assets? 22% of US adults. But it's 43% of adults under the age of 25 who own crypto. Yeah, nearly half of them. So if you're selling a product to the under 25 crowd, you should probably consider including Bitcoin in your business plan. And guess who's doing that? ----- Links from today's show: Orion's Ascent Advisor Conference Bentley University Becomes One of the First Colleges Accepting Crypto for Tuition Payments You Can Buy a Piece of a Nobel Prize-winning Discovery Duke Engineering's FinTech Program Sends Certificates to Coursera Students as NFTs T.Rowe Price: Families' Excitement for Cryptocurrency Brings Risks and Opportunities DACFP VISION Conference, chaired by Ric 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 -----

It's Tuesday, February 28th. When I ask you a question, when should you start to receive your Social Security benefits? All financial advisors pretty much say the same thing. If you're in good health and you can afford to delay, then delay. Even though you're allowed to start receiving Social Security retirement benefits at age 62, you'll be better off in the long run if you wait until you're 70. You'll end up with 76% more money every month, adjusted for inflation, by waiting. We're talking hundreds of thousands of dollars in additional income over your entire retirement. So if pretty much every advisor says to wait, that's pretty much what every retiree does, right? According to the Federal Reserve, only 10% of retirees wait until age 70 to start receiving Social Security. You got be in a heap of trouble. ----- Follow Ric on social media: Facebook Twitter YouTube Instagram 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? Disclosure page -----