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9-11-26 Can the FIRE Movement Really Work?

The Real Investment Show Podcast

Release Date: 09/11/2026

10-14-26 Q&A Wednesday: Real Answers. Real Advisors. show art 10-14-26 Q&A Wednesday: Real Answers. Real Advisors.

The Real Investment Show Podcast

What do the latest economic developments, stock market trends, Federal Reserve policy, and geopolitical events mean for your investments and retirement plans? Join Lance Roberts and Danny Ratliff for Q&A Wednesday as we examine the past week's financial headlines, market volatility, interest rates, Treasury yields, and investment opportunities.  0:00 - INTRO 0:56 - CPI Day & Financials 3:23 - Rotation from Growth to Value 4:04 - Russell 2000 Breaks 200-DMA 7:07 - Allergies & Interest Rates and Real Estate 12:37 - Investment Capital Movement from Europe to US 13:05 - Bear...

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10-14-26 S&P 500 Masks Market Weakness  | Before the Bell show art 10-14-26 S&P 500 Masks Market Weakness | Before the Bell

The Real Investment Show Podcast

The S&P 500 continues to hold steady, but beneath the surface, market weakness persists as investors rotate from growth stocks into value. Technology and semiconductor stocks are facing selling pressure, while mega-cap names like Apple, Alphabet (Google), and Nvidia help support the market-cap-weighted S&P 500. Meanwhile, the Russell 2000, S&P SmallCap 600, and S&P MidCap 400 reveal a different picture. Small-cap and mid-cap stocks continue to struggle, with weak market breadth and widening performance gaps across sectors. In today's Before the Bell, Lance Roberts examines the...

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10-13-26 Is Gen Z Gambling Away Its Future? (Are Bonds a Safe Bet?) show art 10-13-26 Is Gen Z Gambling Away Its Future? (Are Bonds a Safe Bet?)

The Real Investment Show Podcast

Is Gen Z gambling away its financial future? And with 10-year Treasury yields near 5%, are bonds finally offering investors a safer bet? Lance Roberts & Jon Penn examine two very different approaches to financial risk: the growing popularity of sports betting, online gambling, and speculative trading among younger Americans, and the potential investment opportunities emerging in the U.S. Treasury market.  0:00 - INTRO 1:12 - Bill King Recap* & Gen Z Gambling Preview 2:27 - Earnings Season Kicks off: Banks' Buying Opportunity? 4:35 - The Only Thing Holding Market Up is Technology...

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10-13-26 Are Bank Stocks Bottoming?  | Before the Bell show art 10-13-26 Are Bank Stocks Bottoming? | Before the Bell

The Real Investment Show Podcast

The S&P 500 remains near all-time highs, but Technology and Energy are doing most of the heavy lifting. Financials, Utilities, and Real Estate continue to lag, exposing weakness beneath the broader market. In today's Before the Bell, Lance Roberts examines the pressure on bank stocks, including JPMorgan Chase (JPM) and Goldman Sachs (GS), as oversold conditions, earnings reactions, and emerging technical buy signals suggest a potential turning point. With some financial stocks trading near three-standard-deviation oversold levels, could an early selloff give way to afternoon buying? Lance...

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10-12-26 Depopulation: What Happens When the Population Shrinks? The Bill King Interview show art 10-12-26 Depopulation: What Happens When the Population Shrinks? The Bill King Interview

The Real Investment Show Podcast

What happens to the economy when population growth slows—or goes into reverse? Lance Roberts & Bill King explore the demographic forces reshaping the United States and the world, from falling birth rates and China’s One Child Policy to immigration, aging populations, Social Security, housing, inflation, and the future of work. We examine what depopulation really means for economic growth and retirement sustainability, why demographic shifts could alter housing demand and labor markets, and how immigration policy may become increasingly important as countries compete for workers and...

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10-9-26 How to Keep Your Estate Plan From Tearing Your Family Apart show art 10-9-26 How to Keep Your Estate Plan From Tearing Your Family Apart

The Real Investment Show Podcast

Estate planning is about more than deciding who gets what. Poor planning, unequal circumstances among children, prior financial assistance, caregiver responsibilities, and mismatched inherited assets can create family conflicts that last for years. Richard Rosso and Jonathan McCarty discuss how to have the important conversations before an estate plan is finalized, including treating siblings differently when their circumstances are different, caregiver contracts for children who live nearby, inheritance stipulations, beneficiary alignment, and why “equal” isn't always the same as...

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10-8-26 Is the Term Premium Misleading the Fed? show art 10-8-26 Is the Term Premium Misleading the Fed?

The Real Investment Show Podcast

Is the Federal Reserve relying on a metric that cannot be reliably measured? Dallas Fed President Lorie Logan recently discussed the role of the Treasury term premium in determining whether rising long-term interest rates are doing some of the Fed’s work for it.    Lance Roberts & Michael Lebowitz examine what the term premium actually represents, why different models disagree, and whether policymakers risk putting too much emphasis on an uncertain estimate when setting interest rates.     0:00 - INTRO  0:50 - Earnings Season & Optimistic Guidance 2:10 - Bond...

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10-8-26 S&P 500 Breakout Fails: What's Next?  | Before the Bell show art 10-8-26 S&P 500 Breakout Fails: What's Next? | Before the Bell

The Real Investment Show Podcast

The S&P 500's breakout to all-time highs is losing momentum. With stocks retreating into their recent trading range, is this a failed breakout or a healthy pullback before a stronger fourth-quarter rally? Lance Roberts examines the market's weakening breakout, key support levels at the 20-day and 50-day moving averages, and why a short-term correction could help relieve overbought conditions. With earnings season approaching, corporate guidance could provide the next catalyst for stocks. Meanwhile, rising Treasury yields, today's bond auction, and continued weakness in small-cap and...

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10-7-26 Q&A Wednesday: Can the Rally Keep Going? show art 10-7-26 Q&A Wednesday: Can the Rally Keep Going?

The Real Investment Show Podcast

Markets are pushing to record highs, but investors have plenty to question. Can the rally keep going as Treasury yields remain elevated, the labor market cools, AI enthusiasm drives Technology stocks, and geopolitical tensions continue to influence oil and inflation? Lance Roberts and Danny Ratliff answer your questions from the YouTube live chat and examine the economic, geopolitical, and investing stories shaping markets right now.  Bring your questions and join the conversation as we separate market signals from headlines and discuss what investors should be watching next. 0:00 -...

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10-7-26 Can the S&P 500 Breakout Hold? | Before the Bell show art 10-7-26 Can the S&P 500 Breakout Hold? | Before the Bell

The Real Investment Show Podcast

The S&P 500 is on the cusp of breaking out to new all-time highs after the NASDAQ has already pushed into record territory. With futures pointing higher and momentum turning positive, the question now is whether the S&P 500 can break above resistance and, more importantly, hold those gains. The setup has several potential tailwinds. Earnings season is approaching, oil prices have retreated sharply from recent highs, and interest rates appear extremely extended and vulnerable to a retracement. Lower oil prices and easing Treasury yields could reduce inflation concerns and provide...

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More Episodes

The Financial Independence, Retire Early movement promises something many people want: save aggressively, live below your means, build wealth, and gain the freedom to leave work early. But does the FIRE movement really work when retirement could last 40, 50, or even 60 years?

Richard Rosso & Jonathan McCarty examine the different approaches to FIRE, including Fat FIRE, Lean FIRE, Barista FIRE, and Coast FIRE, and discuss where retirement calculations can go wrong. We also look at why stocks should not simply be treated as predictable compounding assets, the risks of quitting your job too soon, inflation and the “pink tax,” Trump Accounts for children, and why financial independence remains such an attractive goal.

Plus, what the arrival of humanoid robots could mean for work and retirement planning, why financial gimmicks deserve skepticism, and why a sound retirement plan should prepare for the worst while hoping for the best.

The program also marks the 25th anniversary of September 11, 2001, with a remembrance of “The Falling Man” and those whose lives were forever changed that day.

0:00 INTRO
0:19 - Preview: Getting People to Save More & the F.I.R.E. Movement
1:34 - 25th Anniversary of 9/11 - The Falling Man
9:05 - Financial Independence Retire Early movement
12:01 - Fat FIRE, Lean FIRE, Barrista FIRE
13:59 - Stocks Are Not Compounding Assets 
16:38 - Coast FIRE (Walletburst.com): Why the Calculations Don't Work
19:23 - How to Blow up Your Retirement Plan (Don't Quit Your Job)
30:56 - Humanoid Robot Attack (KTLA)
32:44 - Why the FIRE Movement is Attractive
34:00 - Where's the Risk?
35:42 - Where Are They Now?
37:13 - The Appeal of Financial Independence
39:40 - The Coming of the Robots
41:21 - Beware the Gimmicks
42:16 - Plan for the Worst, Hope for the Best
44:46 - Here Comes Baby McCarty #2
47:53 - Big Life Events vs FIRE
49:25 - The Pink Tax is a Thing

Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan "Smarty" McCarty, CFP 
Produced by Brent Clanton, Executive Producer
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Watch our previous show, "What Will Inflation Data Do for the Fed?"
https://youtube.com/live/y1GoUw9wURw?feature=share 
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Articles mentioned in this report:
"How to Achieve Financial Independence and Retire Early (FIRE)"
https://realinvestmentadvice.com/resources/blog/fire-retirement-strategy/
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