3-20-26 Tax Strategies That Actually Save You Money
The Real Investment Show Podcast
Most people think about taxes once a year. Smart investors think about them every year. Richard Rosso & Sarah Buenger break down the critical difference between tax preparation and true tax planning, and why that distinction could be worth thousands of dollars to your portfolio over time. We'll walk through real-world anonymous case studies from our client work, including how we helped one client sell nearly half of a concentrated stock position while staying entirely within the 0% capital gains bracket. We also cover Roth conversion timing, IRMAA bracket management, tax-efficient...
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3-19-26 Will The Fed Backstop Exuberance Again?
The Real Investment Show Podcast
The private credit market has exploded from under $500 billion a decade ago to $1.2 trillion domestically and $1.7 trillion globally — and stress is building fast. Lance Roberts & Michael Lebowitz break down exactly what private credit is, who the major players are, and why rising credit stress could force the Federal Reserve's hand — even if inflation and unemployment don't justify it. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:02 - Cash & Girl...
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3-19-26 Markets Flail as Rate Cut Hopes Fail | Before the Bell
The Real Investment Show Podcast
Hot inflation data sent markets lower Wednesday, killing expectations for Federal Reserve rate cuts in 2024 and leaving the Fed firmly on hold. Now markets are testing the critical 200-day moving average (200-DMA) — a level that has provided support for 214 consecutive days. Before you make any moves, here is what you need to know: Markets have worked off a significant portion of their overbought condition, but are not yet in oversold territory. A break of the 200-DMA alone is NOT a sell signal. Watch for a failed rally back to the 200-DMA — that is your true warning. We are in a...
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3-18-26 Q&A Wednesday: Open Season
The Real Investment Show Podcast
Lance Roberts & Danny Ratliff break down the most pressing financial topics shaping markets and personal finance decisions right now. We open with an analysis of current selling pressure and what it signals for equity markets, then dive deep into why credit spreads deserve your attention as a leading indicator of risk. We make the case for why waiting for S&P 6,900 could cost you opportunity, and offer a teaser on the growing private credit space. From there, we tackle real estate investment trusts and AG&C — examining whether current valuations finally make them worth buying. We...
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3-18-26 Rebalance Now Before the Rally Fades | Before the Bell
The Real Investment Show Podcast
Markets are pointing toward 6,800 this morning as momentum and relative strength improve. The reflexive rally we called last week is taking shape — and that creates a rebalancing opportunity, not a reason to chase. Don't wait for 6,900. Pick the neighborhood, not the house. Use the resistance zone around 6,800–6,900 as your selling area. Peak-to-trough has been roughly 5%; if your portfolio dropped more than that, you're carrying too much risk. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version...
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3-17-26 Fixing Your Broken Emergency Fund
The Real Investment Show Podcast
Is your financial plan built to survive a market crash — or a $5,000 emergency? Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals. Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO...
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3-17-26 Market Bounces Off 200-DMA — Rally or Trap? | Before the Bell
The Real Investment Show Podcast
Markets Bounce Off 200-DMA — Is a Rally Building or Is This a Bull Trap? Markets tested the critical 200-Day Moving Average and bounced — but is this a real recovery or a relief rally? In today's pre-market breakdown, we cover what the charts and sentiment data are telling us right now before the opening bell. In This Video: Why record ETF short levels signal maximum market pessimism What buying volume at key price levels reveals about institutional behavior Why we're still saying: use any rally to reduce risk Oversold momentum and RSI conditions building a rally setup Why oil prices and...
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3-16-26 Oil Shock - Markets Reprice Risk
The Real Investment Show Podcast
Oil volatility is shaking global markets after disruptions in the Strait of Hormuz triggered the largest modern oil supply shock. Crude briefly surged above $100 as geopolitical tensions escalated, sending volatility across equities, credit, and currencies. Lance Roberts discusses oil volatility, market technicals, private credit stress, and the key risks investors should be watching next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:59 - Weekend Article Recap; Q4 GDP Revision 5:11 - Market Performance in...
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3-16-26 Oil Spike, Oversold Markets, & The 200-DMA Test | Before the Bell
The Real Investment Show Podcast
Markets are testing the 200-day moving average during a historically weak period in March. After failing at resistance, stocks are now technically oversold, which often leads to short-term reflex rallies. Rising geopolitical tensions with Iran pushed oil sharply higher, but futures markets suggest the spike may be temporary. If markets bounce, trapped investors near recent highs could sell into strength, keeping a lid on rallies. If a reflex rally develops, it may be an opportunity to rebalance portfolio risk, particularly in energy positions that have benefited from the recent oil surge....
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3-13-26 The Psychology of Spending in Retirement
The Real Investment Show Podcast
Retirement income planning isn’t just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO...
info_outlineIs your financial plan built to survive a market crash — or a $5,000 emergency?
Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals.
Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next.
Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
0:00 - INTRO
0:58 - Q4 GDP Weaker Than Expected: Implications
5:38 - Markets Bounce off 200-DMA
11:04 - Achieving Financial Independence - How You Know You've Made It
14:46 - Retirement Accounts' Intended Use vs New Rules
17:37 - 401k Plan Access vs Participation
20:39 - The High Cost of Eating Out
22:41 - Comparative High Costs of Hamburgers
24:26 - Market Moves - Price of Admission
26:15 - Creating Financial Cushions & Structuring Savings
30:21 - T-Bills & Bonds in the Savings Mix
34:10 - Volatility is Not Your Friend in Emergency Accounts
36:04 - Rice & Beans to Get Rid of Debt
37:58 - Channeling Dave Ramsey
42:00 - The Process of Getting Out of Debt
45:05 - Getting Fee'd to Death
48:27 - E-Book Tease - Ten Laws of Wealth & Money
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Register for our next Candid Coffee, 3/21/26, and Ask Us Anything:
https://realinvestmentadvice.com/resources/events/ask-us-anything/
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Watch Today's Full Video on our YouTube Channel:
https://youtube.com/live/3x6MbhEYpcU?feature=share
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Watch our previous show, "Oil Shock - Markets Reprice Risk,"
https://youtube.com/live/pU0TuFA1CWE
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Articles Mentioned in Today's Show:
"Treasury Bond Yields Don’t Lie: But Wars Don’t Drive Them"
https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/
"Financial Nihilism & The Trap Young Investors Are Walking Into"
https://realinvestmentadvice.com/resources/blog/financial-nihilism-the-trap-young-investors-are-walking-into/
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The latest installment of our new feature, Before the Bell, "Market Bounces Off 200-DMA — Rally or Trap?" is here:
https://youtu.be/9wZsz-bOiUY
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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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