11-14-25 Open Enrollment Traps to Avoid This Year
The Real Investment Show Podcast
Release Date: 11/14/2025
12-12-25 Facing Your Financial Ghosts
The Real Investment Show Podcast
Everyone has financial ghosts—old decisions, forgotten expenses, or long-ignored habits that creep back into the present and shape our financial lives. In this episode, we explore three practical strategies to tackle your financial ghosts, reduce money stress, and build a healthier long-term financial foundation. Richard Rosso & Jonathan McCarty break down how to evaluate your household debt-to-income ratios, identify where spending silently grows, and improve the financial conversations inside your home. You’ll learn how better awareness, open communication, and a disciplined review...
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12-11-25 Bifurcated Fed Cuts Rates: What’s Next?
The Real Investment Show Podcast
The Federal Reserve cut rates by a quarter point Wednesday, but the real story is the division behind the decision. For the first time since 2021, three Fed governors dissented--an uncommon break in policy unity that raises new questions about inflation progress, economic risk, and the path of monetary policy into 2026. Lance Roberts & Michael Lebowitz explain why the Fed cut now, what the dissent signals, and how a split vote may affect market volatility, yields, and expectations for future rate moves. We also look at how past dissent has aligned with turning points in policy cycles and...
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12-11-25 Volatility After the Fed | Before the Bell
The Real Investment Show Podcast
Markets bounced sharply after the Federal Reserve cut rates by a quarter-point, pushing major indexes back toward all-time highs. As of Wednesday’s close, buy signals remain in place, but relative strength is stretched, and a mild pullback is taking shape this morning—led by weakness in the NASDAQ following Oracle’s selloff. With all major indexes still within 2% of record levels, investors should remember that when the Fed cuts near market highs, volatility typically rises over the next one to three months. Historically, this pattern produces short-term corrections but tends to resolve...
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12-10-25 Live-chat Q&A Show
The Real Investment Show Podcast
It’s Fed Day, and today’s Live Q&A covers what investors should expect as markets position around the announcement, why volatility may pick up afterward, and how this week’s action shapes the potential for a Santa Claus Rally. We also discuss whether the Fed has stepped back from its inflation mandate, what that means for long bonds, and how Treasury supply-and-demand dynamics factor into portfolio risk. Lance Roberts & Danny Ratliff review the growth outlook for the AI sector, the power-cost assumptions built into datacenter models, the economic effects of the “One Big...
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12-10-25 Market Pause Before the Fed: Time to Trim Risk? | Before the Bell
The Real Investment Show Podcast
Markets traded flat on Tuesday, holding near the top of their recent trading range. With today’s Fed announcement, the potential for a short-term pullback rises—especially with markets still overbought and stretched above key moving averages. A move back toward the 20-DMA or 50-DMA wouldn’t be surprising. The VIX is also signaling a possible uptick in volatility, hinting at a VIX buy signal. For those running aggressively long positions, this may be an ideal moment to reassess and trim risk around the edges. Bitcoin—often a proxy for speculative sentiment—has bounced recently but is...
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12-9-25 Dealing with Debt & Smart Money Moves
The Real Investment Show Podcast
Debt can reshape a family, fracture relationships, and derail financial goals — especially when fraud or addiction is involved. Lance Roberts & Jonathan Penn address the importance of protecting your credit and financial future, and share four “good enough” financial moves to simplify money management without sacrificing results...strategies to cut through the noise and help you stay on track with less time, less stress, and fewer decisions. 0:00 - INTRO 0:19 - Fed Day Preview - Fed Grammar Matters 5:10- Market Weakness is No Surprise 9:11 - The Myriad Versions of Credit Scores 11:15...
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12-9-25 Market Sloppiness Ahead of the Fed | Before the Bell
The Real Investment Show Podcast
Market sloppiness is showing up as mutual fund distributions continue to create choppiness across the major indices. After the rally off the Thanksgiving lows, markets have spent more than a month stuck in a consolidation range, struggling to make progress while remaining elevated above the 200-DMA and overbought on a momentum buy signal. A pullback to retest the 20-DMA wouldn’t be surprising. This week’s focus is the Federal Reserve meeting, where commentary—especially anything hawkish—could influence trading and potentially spark short-term volatility. Barring an unexpected shift,...
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12-8-25 Bullish Case or Bearish Backdrop? The Real Market Setup for 2026
The Real Investment Show Podcast
Lance Roberts looks at both sides of the Market Cycle—the bullish liquidity-driven momentum and the bearish fundamental weaknesses. With support and resistance levels tightening around the S&P 500, and the Fed meeting, economic data, and major earnings directly ahead, investors must prepare for a market that could swing in either direction in 2026. 0:00 - INTRO 0:18 - Markets Set up for Santa Claus Rally 5:30 - Expect Sloppy Trading This Week 11:22 - Economic Summit, Elf on a Shelf, & Baylor Dating 14:42 - Market Outlook for 2026 16:36 - The Case for Bullishness 21:29: The Bullish...
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12-8-25 Why Bitcoin Is Lagging the S&P | Before the Bell
The Real Investment Show Podcast
Bitcoin is showing a rare divergence this year: while the S&P 500 is up roughly 17% year-to-date, Bitcoin is down about 1%. That kind of underperformance doesn’t happen often, especially during strong equity trends, because Bitcoin typically trades in high correlation with broader risk assets. This week may bring sloppy trading as markets work through distribution and elevated relative-strength levels. A mild pullback wouldn’t be surprising after a month-long consolidation and a normal 5% correction. Even so, markets remain near all-time highs, and a short cooling-off period could set...
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12-5-25 Roth Conversions, Money Rules & Financial Wellness: What Actually Works?
The Real Investment Show Podcast
Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period: • Staying in a traditional IRA/401(k) and taking RMDs • A one-time Roth conversion • A gradual, multi-year conversion strategy RIA Advisors’ Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Rich also shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. 0:00 - INTRO ...
info_outlineOpen 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
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Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
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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
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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:
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