12-5-25 Roth Conversions, Money Rules & Financial Wellness: What Actually Works?
The Real Investment Show Podcast
Release Date: 12/05/2025
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 ...
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12-4-25 Fed Regime Change: Is Groupthink Finally Ending?
The Real Investment Show Podcast
Is the era of Fed groupthink finally coming to an end? For over a decade, the Federal Reserve has operated under a powerful consensus framework—one where dissent has been rare and the Chair’s view has dominated policy outcomes. But shifting politics, rising dissenting votes, and increasing disagreements among FOMC members may signal a new regime change at the Fed. Lance Roberts & Michael Lebowitz break down: 0:00 - INTRO 0:19 - ISM Report Shows Abnormality of Markets 4:45 - Markets Prep for Year End Rally 9:33 - 2026 Economic Summit Tease 10:32 - Will Kevin Hassett Be the...
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12-4-25 Volatility May Precede Santa Claus Rally | Before the Bell
The Real Investment Show Podcast
Markets rallied on Wednesday before selling off into the close, but technically this is all normal behavior. After a mild 5% pullback in early November, stocks are simply consolidating gains from the April lows. Now, markets are pushing back toward resistance at the previous highs—an area that may produce some short-term volatility. If markets can break above November’s highs, it opens the door for a traditional Santa Claus Rally into year-end. Even a pullback to the 50-DMA heading into Christmas would be a healthy setup. With markets on a buy signal from relatively low levels, the odds...
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12-3-25 Trump Accounts Explained: Who Qualifies for the Dell Deal?
The Real Investment Show Podcast
What exactly are Trump Accounts, and who qualifies under the new expansion backed by Michael and Susan Dell’s $6.25 billion donation? Lance Roberts and Danny Ratliff break down how the Dell Deal works, which families benefit, and why this initiative could reshape financial planning for millions of children. If you’re a parent, grandparent, or financial planner, this is essential information about how these accounts may impact a child’s financial future. 0:00 - INTRO 0:19 - Sloppy Trading Ahead 5:15 - Performance Dichotomy in AI Stocks 11:00 - Trump Accounts - Where's the Value?...
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12-3-25 Overbought vs Oversold: The Big AI Stock Shakeout | Before the Bell
The Real Investment Show Podcast
AI stocks inside the Mag-7 are no longer moving in unison. We’re now seeing a clear split between the names that are extremely overbought and those entering oversold, opportunity-driven territory. Apple ($AAPL) ripped to all-time highs and is now heavily deviated from its long-term means — historically a tough level to sustain. Google ($GOOGL) has been the recent “darling,” but it remains extremely overbought and is beginning an early correction phase. We rebalanced our Google position back to target last week based on that setup. On the other side of the spectrum, Nvidia ($NVDA) has...
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12-2-25 Q&A LIVE: Ask Us Anything About Markets & Money
The Real Investment Show Podcast
Welcome to our LIVE Q&A session! Lance Roberts is taking your questions directly from the YouTube live chat—covering markets, investing, retirement planning, inflation, interest rates, the Federal Reserve, portfolio strategy, risk management, and your personal finance questions. No scripts, no agenda—just real-time answers based on data, history, and risk-focused investing principles. We’ll break down what’s moving the markets, how to think about pullbacks, what the Fed may do next, how valuations affect future returns, and how to build financial plans that survive full market...
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12-2-25 Markets Base Up as Bitcoin Builds a Bottom | Before the Bell
The Real Investment Show Podcast
Markets kicked off the first trading week of December with a weak open but rallied off the lows. Despite some early sloppiness, the major indices remain well-above their 100-day moving average, and the MACD Buy signal remains intact. Momentum is rebuilding, and a basing pattern appears to be forming across the board, including the NASDAQ. The bigger headline today is Bitcoin. After a sharp pullback and several weeks of ETF outflows, Bitcoin is now oversold and flashing renewed buy-signal conditions. ETF inflows have returned, options activity is picking up on the long side, and the price...
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12-1-25 Bear Markets Are a Good Thing
The Real Investment Show Podcast
Most investors fear bear markets—but history shows they play a critical role in building future returns. In this episode, Lance Roberts explains why market declines are not only normal, but necessary for long-term financial success. We break down how bear markets reset valuations, reduce speculation, improve forward returns, and provide disciplined investors with better long-term outcomes. Instead of focusing on predictions, we focus on the importance of managing risk, controlling emotions, and understanding how full market cycles work. 0:00 - INTRO 0:19 - Manage Portfolios for Markets, not...
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12-1-25 The Problem With Waiting for Corrections | Before the Bell
The Real Investment Show Podcast
Should you wait for a 5% correction before putting money to work? In today’s pre-market update, Lance Roberts explains why waiting for the “perfect pullback” is one of the most costly mistakes investors make. A 5% correction is normal volatility—it happens once or twice a year. Even 10% corrections occur regularly. This year alone, markets already saw a near-20% pullback in April and a 5% dip in early November. If you’re always waiting for the next pullback, your investment window becomes too narrow—and you risk missing the bulk of the market’s gains. Lance walks through...
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11-28-25 Black Friday Special Edition
The Real Investment Show Podcast
It's a cornucopia of content episode for this Friday following Thanksgiving, and Richard Rosso and Jonathan McCarty bemoan the demise of the U.S. Penny, the fallacy of risk tolerance questionnaires, Rich's Financial Fitness Garage and creating Retirement income; plus Rich's salutation for Thanksgiving. 0:00 - INTRO 0:44 - The Demise of the U.S. Penny 4:54 - Financial Risk Surveys - Rich & Jonathan's Scores 11:05 - Rich's Fitness Garage - Creating Retirement Income 24:41 - Happy Thanksgiving to You! 👉 Subscribe for weekly insights on investing, behavioral finance, and...
info_outlineRichard 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
0:19 - The Roth Account Smile
4:40 - Roth Applications for Different Stages of Life
12:41 - Rules Can Save You in a Turbulent World
14:55 - Annuities Should Be Planned, not Sold
15:52 - A Home is a Liability, not an Asset
18:35 - Set Personal Financial Boundaries
20:28 - Debt Control & Savings Priorities
22:05 - Dealing with Student Loan Debt
24:32 - Invest in Yourself
26:37 - Benefits of AI - Look Ahead
28:34 - Setting Good Financial Wellness Standards
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, 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=PdFmXFB3sW4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
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The latest installment of our new feature, Before the Bell, "Volatility May Precede Santa Claus Rally," is here:
https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
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REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:"
https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator
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Watch our previous show, "Fed Regime Change: Is Groupthink Finally Ending?" here:
https://www.youtube.com/watch?v=jvNL-iyGgj0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
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