2-13-26 529 Leftovers, Retirement First, & the Real Cost of Cars
The Real Investment Show Podcast
Release Date: 02/13/2026
3-11-26 Q&A Day: Technical Breakdown in the S&P 500: What Comes Next?
The Real Investment Show Podcast
Jon Penn & Devoda Owens cover key financial planning and market topics affecting investors and retirees, beginning with market commentary on the Iran campaign and geopolitical risk, and what it could mean for energy prices, inflation expectations, and market volatility. Jon & Devoda also discuss Social Security depletion projections, how investors should think about benchmarking portfolios, and the key considerations around when to claim Social Security benefits. Additional planning topics include estate planning when remarrying, insurance and long-term care strategies, preparing for...
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3-10-26 The Benefits Talk Every Business Owner Needs
The Real Investment Show Podcast
Consider this the money talk your Dad would have given you if he knew everything about running a business. Jon Penn and Tom Allen provide straight-talking advice, walking you through exactly how to build a benefits and retirement strategy that works for you AND your employees. No jargon. No sales pitch. Just the kind of honest, experienced advice two dads would give their own kids sitting across the kitchen table. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Retirement Plan Consultant, Tom Allen Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:21 - Two...
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3-9-26 IRA's - The Ticking Tax Bomb
The Real Investment Show Podcast
Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger,...
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3-6-26 Diversification Is Not Risk Management
The Real Investment Show Podcast
Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets...
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3-5-26 Passive Aggressive Market: Bogle's Warning Came True
The Real Investment Show Podcast
Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed...
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3-5-26 Markets Reclaim 100-DMA | Before the Bell
The Real Investment Show Podcast
Markets clawed back above the 100-Day Moving Average — but don't celebrate just yet. In today's pre-market update, we break down what this recovery means, why we're still on a sell signal, and what it will take for bulls to truly regain control. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/MntZ-KayzxA --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google:...
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3-4-26 Q & A Wednesday: Ask Us Anything
The Real Investment Show Podcast
Are you watching the market and wondering what's really going on? Lance Roberts & Danny Ratliff dive straight into YOUR questions — pulled live from the chat — covering the stock market outlook, what sectors to watch, and how investors should be positioning right now. No fluff, no filler — just real talk about where the market's heading and what it means for YOUR portfolio. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:04 - Iran Air Force...
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3-4-26 100-DMA: Hold or Fold? What Happens Today Changes Everything | Before the Bell
The Real Investment Show Podcast
The 100-day moving average has been the market's most critical support level since April 2025 — and this week, it's being tested again. After Monday's selloff on Middle East military escalation news, markets broke below the 100-DMA before quickly recovering above the 50- and 20-DMA. Tuesday opened ~2% below that key level, but buyers stepped in and pushed markets right back up to close AT the 100-DMA. Here's what most investors get wrong: when markets break a moving average, algorithmic trading programs and HFT systems are ALL watching the same level — and many are programmed to SELL at...
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3-3-26 Ten Immutable Laws of Money
The Real Investment Show Podcast
Most people will never build wealth — not because of the economy, but because no one taught them the rules. Lance Roberts & Jonathan Penn break down the 10 Immutable Laws of Money — time-tested principles that have worked for generations, regardless of your income, age, or background. From budgeting basics and crushing debt to understanding why millionaires live more modestly than you think, these laws are the foundation of lasting financial success. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by...
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3-2-26 Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore
The Real Investment Show Podcast
Is the stock market topping — or just catching its breath? This week, equity markets face a triple threat: an Iranian strike rattling geopolitical risk assets, an Anthropic AI capability announcement that hammered IBM, CrowdStrike, financials, and SaaS stocks, and a technical picture showing the S&P 500 slipping below both its 20- and 50-day moving averages. Lance Roberts breaks down the bull and bear case in full. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 -...
info_outlineWhat happens when the “perfect” financial plan doesn’t happen—your kid skips college, your retirement clock is ticking, and the family budget gets ambushed by costs you never saw coming?
Jon Penn and Jonathan McCarty connect three real-world money stress points that are showing up everywhere right now:
1) The kid isn’t going to college—now what about that 529?
2) Retirement vs. college: the household tug-of-war
3) Hidden car ownership costs: the budget killer after the dealership
0:00 - INTRO
0:21 - Market Futures & Precious Metals
2:33 - Rising Costs of automobiles & maintenance
5:27 - Rising Cost of Auto Insurance
10:45 - Kids' First Cars & Replacements
15:14 - What Happens to 529 Plans Leftover?
22:11 - The Increased Cost of Education
26:39 - Construction Technology
28:26 - Rolling 529 Funds into an "Able Account"
29:14 - Saving for Retirement vs Saving for College
33:45 - Two Themes to Retirement
34:45 - Subsidized vs Unsubsidized Student Loans
36:37 - FAFSA & CCS
38:01 - Rosso's Retirement Plans
39:48 - YouTube Poll
42:49 - Escalating Health Insurance Costs
Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
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Register for our next Candid Coffee, 2/21/26:
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Watch Today's Full Video on our YouTube Channel:
https://youtube.com/live/Gy9w2-v1EyE
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Articles mentioned in this report:
"BLS Labor Report Defies Consensus"
https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/
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Watch our previous show, "The Value Rotation Illusion," here:
https://youtube.com/live/2133YnloEBo?feature=share
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The latest installment of our new feature, Before the Bell, "Dollar Rally Risk - Overbought Markets," is here:
https://youtu.be/ioOGa5YHzDI
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