4-21-26 Financial Illiteracy: Too Big to Ignore
The Real Investment Show Podcast
Financial illiteracy is no longer just a personal challenge—it’s a growing national risk. With U.S. household debt exceeding $18 trillion and nearly 40% of Americans unable to cover a $400 emergency, the consequences are becoming impossible to ignore. Lance Roberts & Jon Penn break down how a lack of basic financial education is driving poor decision-making, rising debt levels, and long-term economic instability. From budgeting and credit to investing and risk management, millions are navigating an increasingly complex financial system without the tools they need. Key topics include:...
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4-21-26 Overbought Market: Wait for the Pullback | Before the Bell
The Real Investment Show Podcast
Markets pulled back slightly Monday but remain extended above key support levels, with momentum and relative strength still in overbought territory. Historically, when prices stretch this far above moving averages, the “gravitational pull” of those averages tends to bring markets back toward support. That doesn’t mean an immediate decline, but it does suggest limited upside in the near term. The easy opportunity to deploy capital has likely passed for now. A better entry point will come—either through consolidation or a pullback driven by news or shifting sentiment. While the recent...
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4-20-26 Chase or Fade the Rally?
The Real Investment Show Podcast
Markets have surged back to all-time highs—but now comes the key decision: chase the rally, or fade it? Lance Roberts breaks down whether this rally has staying power or if investors should be cautious at current levels. We analyze short covering vs. true accumulation, sector rotation, and the impact of falling oil prices and changing inflation expectations. Key topics include: 0:00 - INTRO 1:01 - April Doing What It Does Best 3:16 - The Recent Correction is Over 4:50 - Don't Chase the Rally 10:03 - Why the Market Rebound was Stronger than Expected 13:35 - Why Behavioral...
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4-20-26 Don’t Chase This Rally | Before the Bell
The Real Investment Show Podcast
Markets have staged a powerful rally off the recent lows, reclaiming the 200-DMA and pushing to new highs. Historically, when markets recover that level within four weeks, forward returns tend to improve—and this time, the rebound happened in just three weeks. Momentum is strong, money flows have flipped positive, and moving averages are turning higher. So why not chase it? Because the market is now stretched. Relative strength is overbought, and prices are significantly extended above key moving averages. When markets get this far ahead of their trend, short-term pullbacks are common—even...
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4-17-26 Your Longevity Score: Are You Ready?
The Real Investment Show Podcast
Longevity risk is now measurable. The Longevity Preparedness Index, developed by the MIT AgeLab, scores how ready you are to live a long life. The average result is just 60 out of 100, signaling a major gap in retirement planning. Richard Rosso & Jonathan McCarty explain what drives that score, where most people fall short, and how to improve it. From Social Security timing to guaranteed income, flexible withdrawals, growth exposure, and healthcare planning, building a durable retirement plan requires multiple strategies working together. Key topics include: 0:00 - INTRO 0:19 -...
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4-16-26 What Will the Fed Do Next?
The Real Investment Show Podcast
With inflation trends shifting, economic data sending mixed signals, and markets hovering near key levels, the big question is: what will the Federal Reserve do next? Lance Roberts & Michael Lebowitz break down the Fed’s current dilemma—balancing inflation control with economic growth—and what it means for interest rates, equities, and bonds. Key topics include: 0:00 - INTRO 1:04 - Markets Hit 5th All-time High for 2026 6:48 - Markets Up 11% from Bottom 11:35 - Pollen & Taylor Sheridan 16:25 - Allbirds & AI craze 20:12 - Market Turnover Velocity & SEC...
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4-16-26 Markets Rally 11%: What’s Next? | Before the Bell
The Real Investment Show Podcast
Markets have surged 11% from recent lows after a powerful ten-day rally, pushing above key moving averages and approaching more overbought conditions. Momentum is strong, and buy signals are in place, but as markets stretch further from their averages, upside may become more challenging in the near term. A major difference in this cycle is the absence of a “death cross.” The 50-day moving average never broke below the 200-day, and markets quickly reclaimed key technical levels. Historically, that type of setup points to stronger underlying support and lowers the probability of a full...
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4-15-26 Q&A Wednesday: Markets, Taxes, and Your Money
The Real Investment Show Podcast
It’s Q&A Wednesday, and with Tax Day here, we’re tackling your biggest questions on markets, taxes, and financial strategy in real time. Lance Roberts & Danny Ratliff field questions, from navigating today’s market volatility to making smart, last-minute tax decisions, this episode is driven by what matters most to you. We break down current events, investor concerns, and practical steps you can take right now to stay on track. Key topics include: 0:00 - INTRO 1:03 - Markets Climb Higher 3:01 - Watch Sentiment, Fear-Greed Index 6:38 - Markets Rally Back to All-time Highs...
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4-15-26 Markets Hit Highs: Buy Now or Wait? | Before the Bell
The Real Investment Show Podcast
Markets have surged back to all-time highs, a sharp reversal from just weeks ago when geopolitical fears dominated headlines. With price now clearing all major resistance levels and reclaiming key moving averages, the technical backdrop has improved significantly. Market breadth is expanding, providing a healthier foundation for this rally. However, conditions are now short-term overbought, suggesting a pause or pullback could be next. The key level to watch is the cluster of support formed by recently reclaimed moving averages and high-volume trading zones. If markets can consolidate and hold...
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4-14-26 Are Financial Advisor Fees Really Worth It?
The Real Investment Show Podcast
Are financial advisor fees really worth it—or are you paying more than you should? Lance Roberts & Jon Penn break down the true value behind advisory fees and what investors should expect in return. It’s not just about investment performance. A good advisor delivers portfolio construction, risk management, tax efficiency, and long-term financial planning—all designed to help you build and protect wealth. Also in this episode, Lance and Jon offer tax tips for the day before Taxes are due... Key topics include: 0:00 - INTRO 1:13 - Iran Negotiations = More Market Volatility...
info_outlineIs AI killing software stocks — or creating the buying opportunity of the decade?
Lance Roberts & Michael Lebowitz review: Since peaking in September 2025, the software ETF (IGV) has crashed 30% while semiconductors (SMH) surged 30% and broad tech stayed flat. The market is pricing in a "SaaSpocalypse" — the idea that generative AI will make traditional SaaS companies obsolete. But is that narrative right?
Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
Rate us on Google: https://bit.ly/4b9JtEo
0:00 - INTRO
0:49 - National Chili Day & Demise of Whataburger
3:04 - Nvidia & SalesForce Report
7:25 - Markets Are "Stable"
12:17 - Blizzards & Chili
13:21 - The Incredible Nvidia Numbers
15:37 - The Lack of Market Reaction to Nvidia Report
17:02 - Where Will the Capital Come From?
23:22 - Why the Market Isn't Enthusiastic (about Nvidia)
24:30 - SalesForce & The Software Apocalypse
30:15 - Who Will Survive?
33:13 - Will AI Create a New Spreadsheet
36:19 - Tariffs: Old vs New: Markets Are Calm
40:49 - Betting on Tariff Refunds?
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Watch Today's Full Video on our YouTube Channel:
https://youtube.com/live/6DavZVDY7OQ
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Articles Mentioned in Today's Show:
"Software Stocks: Navigating The SaaSpocalypse"
https://realinvestmentadvice.com/resources/blog/software-stocks-navigating-the-saaspocalypse/
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Watch our previous show, "Q & A Wednesday: Straight Talk About Your Money" here:
https://youtube.com/live/oW7OkyOvYC4
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The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here:
https://youtu.be/tiE6S1qaBn0
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Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/
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Contact Us: 1-855-RIA-PLAN
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