The Real Investment Show Podcast
It's a show about life, markets, sweat-equity, and the pursuit of wealth in a capitalist market.
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11-19-25 Pension or Lump Sum - What's the Smarter Move?
11/19/2025
11-19-25 Pension or Lump Sum - What's the Smarter Move?
Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=WoSPpnkGW2o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Market Panic? It’s Just a 3% Pullback" is here: https://www.youtube.com/watch?v=Gs3bObsvk0c&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Sumnmit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "Indicators & Income: What Retirees Must Know (Who Can You Trust)?" is here: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #MarketPullback #PreMarketUpdate #BitcoinAnalysis #TechnicalAnalysis #RetirementPlanning #PensionVsLumpSum #RetirementIncome #FinancialEducation #InvestingBasics
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11-19-25 Market Panic? It’s Just a 3% Pullback | Before the Bell
11/19/2025
11-19-25 Market Panic? It’s Just a 3% Pullback | Before the Bell
Markets are pulling back and investor anxiety is rising, with the S&P down about 3% from the peak and the NASDAQ off roughly 5%. Headlines warn of “relentless selling,” but this is exactly what happens after a powerful rally. We just experienced one of the strongest six-month runs since 1990—corrections are part of the process. In today’s pre-market update, we break down why this drawdown isn’t a crisis, why risk management matters even in bull markets, and how investor narratives can quickly fall apart. The recent weakness in Bitcoin and NASDAQ lines up with technical signals that flashed weeks ago, including a clear MACD sell on Bitcoin. This isn’t the end of the world. It’s how markets work. 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://www.youtube.com/watch?v=Gs3bObsvk0c&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #MarketPullback #PreMarketUpdate #BitcoinAnalysis #TechnicalAnalysis
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11-18-25 Indicators & Income: What Retirees Must Know (Who Can You Trust)?
11/18/2025
11-18-25 Indicators & Income: What Retirees Must Know (Who Can You Trust)?
Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the “decumulation” phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- The latest installment of our new feature, Before the Bell, "S&P 500 Breaks 50-DMA: Don't Panic" is here: https://www.youtube.com/watch?v=OZ4-aOC7VqQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Sumnmit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "Full Market Cycles: Why Bull Runs Always Meet Their Match," is here: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #50DayMovingAverage #StockMarketCorrection #PreMarket #Investing2025 #RetirementPlanning #TechnicalAnalysis #RSI #MACD #FinancialEducation
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11-18-25 S&P 500 Breaks 50-DMA: Don't Panic | Before the Bell
11/18/2025
11-18-25 S&P 500 Breaks 50-DMA: Don't Panic | Before the Bell
The S&P 500 just broke below its 50-day moving average (50-DMA) for the first time in 199 days – the longest streak since the bull run began. Is this the start of a major correction or just another fake-out? In today’s pre-market video short, we break down: Why yesterday’s break of the 50-DMA actually matters What the MACD and RSI are telling us right now Why everything is moving together: stocks, small-caps, Nasdaq (QQQ), international, emerging markets, gold, and even Bitcoin The danger of high correlation across all asset classes in 2025 Historical seasonality: the last 2 weeks of November are usually strong Key takeaway: Don’t panic-sell yet. Wait 2–3 days to see if the S&P closes back above the 50-DMA. Buyers often step in exactly at these widely watched levels. 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://www.youtube.com/watch?v=OZ4-aOC7VqQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #50DayMovingAverage #StockMarketCorrection #PreMarket #Investing2025
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11-17-25 Full Market Cycles: Why Bull Runs Always Meet Their Match
11/17/2025
11-17-25 Full Market Cycles: Why Bull Runs Always Meet Their Match
Full market cycles matter more today than at any point in the last 15 years. Lance Roberts breaks down why valuations, history, and market structure all point to a simple truth: Every bull market is only half the story. The other half is the bear. Lance's approach isn’t bullish or bearish. It’s risk-focused. Your job as an investor isn’t to predict the next crash—it’s to avoid catastrophic losses that erase years of gains during the completion of a full market cycle. 0:00 - INTRO 0:27 - Market Moves Will Hinge on Nvidia 4:18 - Markets' 3rd Test of 50-DMA 8:46 - Why Berkshire Lags the S&P 10:36 - Economic Acceleration Expectations for 2026 14:01 - Consumer Spending Drives Economic Growth 17:42 - Economic Consolidation is Underway 21:45 - Half of Expected Cap-Ex Spending Will Support Economic Activity 23:48 - Full market Cycles Encompass Bulls & Bears 28:20 - A History of Markets' Performance 29:58 - Market Cycles Have Rhythm - The Wycoff Cycles 31:52 - There is No Evidence of Imminent Crash 33:42 - Full market Cycle Analyses 35:22 - Navigating Markets Now 37:51 - Betting Against Buffett 40:59 - Market Dynamics Can Drive Bull Markets for a While 42:42 - Data Deluge & Comming Attractions 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- The latest installment of our new feature, Before the Bell, "Is a Market Top Forming?" is here: https://www.youtube.com/watch?v=M9ZcmcDNCM8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Open Enrollment Traps to Avoid This Year" is here: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Premarket #TechnicalAnalysis #NvidiaEarnings #InvestingNews #MarketCycles #InvestingStrategy #BearMarket #StockMarketAnalysis #Valuations
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11-17-25 Is a Market Top Forming? | Before the Bell
11/17/2025
11-17-25 Is a Market Top Forming? | Before the Bell
Markets tested the 50-DMA for the third time since October on Friday—and once again, buyers stepped in to defend support. Futures are pointing higher this morning, but the setup still looks like a weak open for Wall Street. With upside resistance near 6,900, the market remains stuck in a well-defined trading range. The big catalyst this week? Nvidia earnings, which could determine whether this consolidation resolves higher—or if we’re watching the early stages of a topping process. Short-term signals remain on a sell, and relative strength is cooling. But bullish year-end factors like corporate buybacks, momentum chasing, and neutral professional sentiment continue to provide a floor. In this environment, the message hasn’t changed: Stay disciplined. Manage your risk. 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://www.youtube.com/watch?v=M9ZcmcDNCM8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Premarket #TechnicalAnalysis #NvidiaEarnings #InvestingNews
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11-14-25 Open Enrollment Traps to Avoid This Year
11/14/2025
11-14-25 Open Enrollment Traps to Avoid This Year
Open Enrollment season is here—and it’s one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which “it’ll never happen to me” benefits can make or break your financial stability. We’ll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you’re getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the “fun stuff” like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Market Rotation Fueling New Highs," is here: https://www.youtube.com/watch?v=jm-ZtvJ12Fk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "QE Is Coming: Why Fed Liquidity Now Runs the Entire Market," is here: https://www.youtube.com/watch?v=-YZaHtreohI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2&t=93s------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #OpenEnrollment #EmployeeBenefits #FinancialPlanning #HealthInsurance #MoneyTalk
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11-13-25 QE Is Coming: Why Fed Liquidity Now Runs the Entire Market
11/13/2025
11-13-25 QE Is Coming: Why Fed Liquidity Now Runs the Entire Market
The scent of QE is back. With overnight funding markets flashing early stress and NY Fed President John Williams hinting at “gradual asset purchases,” it’s clear: the liquidity cycle is turning again. But the real question is why markets have become so dependent on the Fed in the first place. Lance Roberts & Michael Lebowitz break down how the 2008 financial crisis fundamentally rewired market plumbing, sidelined private liquidity providers, and turned the Federal Reserve into the primary—and often the only—source of liquidity in the financial system. 0:00 - INTRO 0:20 - Government Shutdown Concludes - Deluge of Data to Follow 3:04 - Dow 48,000 9:43 - Will the Fed Cut Rates? 13:21 - Why the Rush to Cut Rates? 17:14 - What's Causing Turmoil at the Fed? 20:42 - What Changed w Bank Reserves? 24:31 - Capital Rules, Liquidity Rules, & Disincentives 26:20 - Breaking the Buck 28:45 - The Fed-led Liquidity Regime 30:32 - What Are the Drivers of Elevated Valuations? 34:10 - When the Government Spends Money... 37:42 - What Would Michael Do (if he was Fed Chairman) 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "QE Is Coming: The 2008 Roots Of Fed Dominance" https://realinvestmentadvice.com/resources/blog/qe-is-coming-the-2008-roots-of-fed-dominance/ -------- Watch Today's Full Video on our YouTube Channel: ------- The latest installment of our new feature, Before the Bell, "Market Rotation Fueling New Highs," is here: https://www.youtube.com/watch?v=jm-ZtvJ12Fk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "ow to Spend Without Regret: Strategies for Enjoying Retirement," is here: https://www.youtube.com/watch?v=saML4wbTAtg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=47s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketUpdate #TechnicalAnalysis #SectorRotation #TechStocks #Staples #Discretionary #Amazon #Tesla #Healthcare #Premarket #FederalReserve #QuantitativeEasing #MarketLiquidity #2008FinancialCrisis #InvestingInsights
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11-13-25 Market Rotation Fueling New Highs | Before the Bell
11/13/2025
11-13-25 Market Rotation Fueling New Highs | Before the Bell
Markets posted a fourth straight day of gains, reclaiming the 20-DMA and pushing back toward all-time highs—with the Dow breaking above 48,000 for the first time. The bullish trend remains intact as a momentum buy signal sits on the verge of triggering. Under the surface, rotation is driving the story. Healthcare continues to outperform, even outpacing Tech. Staples are starting to recover from deeply oversold levels, with a potential momentum shift if they clear the 20- and 50-DMA. Finance is improving from oversold conditions with strengthening relative strength. Meanwhile, Disney beat earnings and boosted buybacks, though content remains its weak spot. Amazon continues to support Consumer Discretionary, but strip it out, and activity slows noticeably. If this rotation out of Tech continues, these beaten-down sectors could help push markets even higher into the end of the week. 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://www.youtube.com/watch?v=jm-ZtvJ12Fk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketUpdate #TechnicalAnalysis #SectorRotation #TechStocks #Staples #Discretionary #Amazon #Tesla #Healthcare #Premarket
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11-12-25 How to Spend Without Regret: Strategies for Enjoying Retirement
11/12/2025
11-12-25 How to Spend Without Regret: Strategies for Enjoying Retirement
Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you’ve achieved financial independence. Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt: Why it’s okay to enjoy what you’ve earned How to enjoy your wealth without overspending The emotional side of leaving the “accumulation” mindset Practical withdrawal and income strategies for peace of mind 0:19 - A Deluge of Data Coming 4:36 - Market Rotations and Maintaining Momentum 8:48 - Tariff Rebates & 50-Year Mortgages 15:43 - Spending in Retirement Without Regret 20:15 - What Will You Do in Retirement? 21:22 - Mrs. Roberts' Wiffleball Tournament 24:15 - What Will You Do with Your Time & Money? 26:24 - The Question of Longevity in Retirement 29:13 - It's Okay to Touch the Principle 32:43 - The Need for an Advocate 34:46 - Budgeting in Retirement 37:26 - What Do You Want to Do in Retirement? 40:01 - It's Okay to Spend Your Money 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=saML4wbTAtg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=47s ------- The latest installment of our new feature, Before the Bell, "XLE Energizes Markets," is here: https://www.youtube.com/watch?v=8dRFc_XWbPc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Old-School Money Rules Our Kids Need to Hear," is here: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #XLE #EnergyStocks #MarketRotation #InvestingStrategy #RetirementPlanning #FinancialFreedom #RetirementMindset #SpendSmart #WealthManagement
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11-12-25 XLE Energizes Markets | Before the Bell
11/12/2025
11-12-25 XLE Energizes Markets | Before the Bell
Markets opened weakly on Tuesday but finished in the green as Buy-the-Dip traders stepped back in. The S&P 500 bounced off its 50-DMA and is on the verge of a momentum buy signal, while relative strength continues to improve — a bullish sign for near-term market direction. Rotation remains the key theme: Energy (XLE) is starting to lift, even with oil prices steady. Natural gas could see rising demand as AI-driven data centers strain the power grid. Consumer Staples are beginning to recover as investors rotate toward defensive names. Lance Roberts explains how sector rotation is shaping market momentum — and what it means for portfolio positioning as breadth improves. 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://www.youtube.com/watch?v=8dRFc_XWbPc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #XLE #EnergyStocks #MarketRotation #InvestingStrategy
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11-11-25 Old-School Money Rules Our Kids Need to Hear
11/11/2025
11-11-25 Old-School Money Rules Our Kids Need to Hear
Generational money lessons never go out of style. In this episode, we revisit Depression-era financial wisdom — simple, hard-earned truths that built resilient families and lasting wealth. From living below your means to marrying a saver and learning practical skills, these principles have guided generations through both prosperity and hardship. We’ll share 12 timeless money lessons that can help today’s younger generation navigate debt, lifestyle inflation, and financial stress. These are the same habits that kept families afloat during the Great Depression — and they’re just as relevant in today’s high-cost, high-leverage economy. If you want your kids to build true financial independence — not just wealth on paper — this episode is a must-watch. 0:19 - Will the Government Reopen? 2:45 - Buy-the-Dip Crowd Returns 7:14 - Veterans' Day Salute 8:16 - Email - Teaching Finance to Kids 10:43 - Be Frugal - Shoes & Cars 18:14 - Budget is not a four-letter Word 21:04 The $1,200 Mechanic 27:46 - Avoid Long Term Debt 22:51 - Marry a Saver - Pre-Marital Advice 32:04 - Buying a Home - Less is More 33:06 - Funding Hobbies & Balancing Priorities 35:09 - Investing for the Long Term 37:20 - Know What You Own 39:18 - Learn the Basics of Home Repairs & Cooking 42:51 - The Problem of Subscriptions 43:43 - Don't Try to Keep Up with the Jones 46:55 - Live Like the Millionaire Next Door 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Is Back," is here: https://www.youtube.com/watch?v=Kls3ejV3deU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "The Rocket Market: AI, Risk, and What Comes Next," is here: https://www.youtube.com/watch?v=42moSAfvL10&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BuyTheDip #StockMarketRally #DefensiveStocks #SP500 #MarketRally #MarketBreadth #Investing #PremarketUpdate #FinancialWisdom #MoneyLessons #GreatDepression #FrugalLiving #FinancialEducation
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11-11-25 Buy-the-Dip Is Back | Before the Bell
11/11/2025
11-11-25 Buy-the-Dip Is Back | Before the Bell
The Buy-the-Dip crowd showed up again as markets tested the 50-DMA. Despite weak breadth and last week’s Tech pullback, buyers quickly returned to the sector—proving this market still runs on liquidity and momentum. Lance Roberts breaks down what’s driving this move and what investors should watch next: Why defensive sectors are quietly leading the market How the RSP Equal-Weight Index signals a potential broader rally The impact of $6 billion per day in corporate buybacks Why early December weakness could set up another buying opportunity 👉 Stay defensive, stay disciplined, and stay tuned. 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://www.youtube.com/watch?v=Kls3ejV3deU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BuyTheDip #StockMarketRally #DefensiveStocks #SP500 #MarketRally #MarketBreadth #Investing #PremarketUpdate
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11-10-25 The Rocket Market - AI Risk and What Comes Next - Tom Thornton Interview
11/10/2025
11-10-25 The Rocket Market - AI Risk and What Comes Next - Tom Thornton Interview
Markets have rocketed higher for six straight months — but how long can it last? Hedgefund Telemetry founder, Tom Thornton joins Lance Roberts to unpack the forces driving this “Rocket of a Stock Market.” From AI euphoria and sector rotation to passive indexing risks and the Fed’s impact on valuations, we dig into what’s really happening under the surface. 0:18 - INTRO 2:50 - The Rocket of a Stock Market 5:37 - Market Volatility & Opportunity in AI I7:14 - Interning During the Crash of '87 8:21 - Forward Earnings Expectations 9:35 - The Broadening in the Market - Energy, Materials, Consumer Staples 11:42 - Sector Rotation is a Real Thing - What if AI comes under pressure? 13:26 - Market Cap Concentration Concerns 16:02 - The Y2K Panic Buying pulling forward consumption - Similar in AI? 17:50 - Tracking Investor Sentiment (Bullish Sentiment chart) 20:36 - Tom DeMark Indicators - S&P and NASDAQ 100 PE Multiples (Chart) 23:03 - When S&P is Within 5% of ATH... (chart) 24:30 - Most-shorted Baskets (chart) - showing what speculators are buying 27:30 - Mag 7 daily & Weekly (chart) 31:35 - What Technicals Tell Us about Managing Risk 33:18 - Valuations at Elevated Levels: Apple & Nvidia (chart) 36:01 - Multiples that make no sense - Palantir & Tesla (chart) 36:55 - Waymo vs Tesla 39:15 - This Level of Concentration is New (chart) 41:23 - US Households are "All In" and Leveraged (chart) 42:40 - Leveraged ETF Data 43:56 - Short Term Options trading is Gambling (chart) 45:43 - % of Stocks About the 20, 50, & 200-DMA (chart) 49:18 - 6-straight months of market upside: When do you run out of buyers? 50:30 - Expectations for EOY? Bubbles don't deflate; they pop. 52:17 - 2026 will be difficult to continue strong momentum without a decent correction 52:44 - Where's the risk? 56:18 - Levered Obesity Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketAnalysis #AIBubble #InvestorSentiment #MarketVolatility #TomThornton
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11-7-25 Top 3 Financial Guardrails You Should Know
11/07/2025
11-7-25 Top 3 Financial Guardrails You Should Know
RIA Advisors’ Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Richard Rosso, CFP®, shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. From annuities and debt control to emotional investing and realistic return expectations, these guardrails are designed to keep you on track — no matter what markets do. 0:20 - Rules Can Save You in a Turbulent World 3:17 - Annuities Should Be Planned, not Sold 9:34 - A Home is a Liability, not an Asset 12:37 - Setting Good Financial Boundaries with Adult Children 15:25 - Debt Control & Savings Priorities 17:45 - Dealing with Student Loan Debt 19:33 - Personal Un-secured Debt - Credit Cards 22:03 - Good Health in Retirement 24:15 - Realistic Projections, Time Horizons, & Inflation Factors 27:33 - Be Vigilant of Confirmation Bias & Emotion 32:35 - Create a Household Wellness Evolution Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Articles Mentioned in Today's Show: "The RIA Financial Guardrails" https://realinvestmentadvice.com/ria-e-guide-library/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Nvidia's Money Loop: Smart Move or Red Flag?," is here: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset
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11-6-25 Nvidia's Money Loop: Smart Move or Red Flag?
11/06/2025
11-6-25 Nvidia's Money Loop: Smart Move or Red Flag?
Nvidia just took a $1 billion stake in Nokia—and Nokia plans to spend that money buying Nvidia’s own AI chips. It’s not the first time. Nvidia’s done similar deals with OpenAI, CoreWeave, and xAI, fueling record demand for its GPUs. But is this smart strategy—or circular financing? Some call it vendor financing, others say it’s round-tripping—a tactic that helped inflate the dot-com bubble two decades ago. Lance Roberts & Michael Lebowitz unpack how the AI industry may be funding itself, why that’s raising eyebrows, and what investors should watch for as the hype builds. 0:19 - Are Tariffs a Tax? 4:03 - Buy-the-Dip'er's Continue their March 8:40 - Michael's Fed re-cap - Stealth QE? 14:08 - Where is All the Liquidity Going? 17:45 - What Will Trigger QE? 19:16 - The Fed's QE Trap 21:13 - Stress in the REPO Market 24:15 - Market Froth & Valuations - the Mag-7 28:57 - Where the Debt is Piling Up in Anticipation of AI Build 33:32 - Nvidia's Infinite Money Loop 37:32 - What If Projections & Expectations Are Not Realized? 42:55 - Looking at CAPE (as Nvidia is 8% of Market) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles Mentioned in Today's Show: "Nvidia Deals: Round Tripping Or Vendor Financing?" https://realinvestmentadvice.com/resources/blog/nvidia-deals-round-tripping-or-vendor-financing/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "6 Moves You Should Make Now Before RMDs Start," is here: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BuyTheDip #SP500 #MarketBreadth #Investing #PremarketUpdate #Nvidia #ArtificialIntelligence #StockMarket #TechInvesting #FinancialEngineering
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11-6-25 Buy-the-Dip Isn't Dead Yet | Before the Bell
11/06/2025
11-6-25 Buy-the-Dip Isn't Dead Yet | Before the Bell
Once again, “buy-the-dip” traders are stepping in. After testing the 20-DMA earlier this week, markets bounced and continue to hold the rising trendline. For now, buyers remain in control — but the rally’s narrow breadth is a growing concern. In this quick pre-market update: Key support at the 20- and 50-DMA How retail investors keep driving momentum Why the gap between the S&P 500 and equal-weight index matters What to watch as we head toward year-end 📊 Short-term trend remains bullish — but strength is concentrated in just a few mega-caps. 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://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BuyTheDip #SP500 #MarketBreadth #Investing #PremarketUpdate
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11-5-25 6 Moves You Should Make Now Before RMDs Start
11/05/2025
11-5-25 6 Moves You Should Make Now Before RMDs Start
Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you’re not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you’re approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today’s Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy
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11-5-25 Earnings Beat, Stocks Drop | Before the Bell
11/05/2025
11-5-25 Earnings Beat, Stocks Drop | Before the Bell
Markets rallied ahead of strong earnings from Amazon, Apple, Meta, and Microsoft, but even solid results didn’t lift prices. It’s a familiar “buy the rumor, sell the news” setup—Palantir and Meta both slipped from record highs. Despite the noise, this pullback is only to the 20-DMA, which remains in a bullish trend. The 50-DMA continues to act as strong support. After new highs, a short-term pause is normal—but if it stings, your portfolio may be carrying too much risk. Stay tuned for daily pre-market updates and insights from The Real Investment Show. 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://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing
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11-4-25 Smart or Risky? How Investors Are Adapting to Today’s Markets
11/04/2025
11-4-25 Smart or Risky? How Investors Are Adapting to Today’s Markets
In this episode, we explore how today’s investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We’ll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you’re a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide. 📈 Subscribe for more data-driven insights on investing, risk management, and personal finance from Real Investment Advice. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- Articles Mentioned in Today's Show: "Gold Myths Luring Investors Into Risk" https://realinvestmentadvice.com/resources/blog/gold-myths-luring-investors-into-risk/ "Investor Dilemma: Pavlov Rings The Bell" https://realinvestmentadvice.com/resources/blog/investor-dilemma-pavlov-rings-the-bell/ -------- The latest installment of our new feature, Before the Bell, "Futures Flash Warning Signs" is here: https://www.youtube.com/watch?v=slUg9jxb_Lo&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1#MarketUpdate ------- Our Previous Show, "Investor Dilemma: Pavlov Rings the Bell," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketPullback #FuturesWarning #StockMarketUpdate #VolatilityAhead #InvestorInsights #GenZInvesting #FinancialMarkets #AdjustableRateMortgage #StructuredNotes #InvestorEducation
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11-4-25 Futures Flash Warning Signs | Before the Bell
11/04/2025
11-4-25 Futures Flash Warning Signs | Before the Bell
Futures are flashing warning signs this morning after six straight months of market gains. Is this the start of a long-awaited correction—or just another dip to buy? In today’s pre-market update: • Why a quick 2% pullback to the 20-DMA or 50-DMA wouldn’t be unusual. • How deteriorating market breadth could be signaling deeper weakness. • Bitcoin and Gold’s “risk-off” message for broader markets. • Why momentum remains positive—but at dangerously high levels. • What to watch as volatility and correlations pick up across asset classes. While seasonals still favor a strong year-end, rising volatility and narrowing breadth suggest caution may be warranted. 📊 Stay tuned for daily pre-market insights and risk analysis from RIA Advisors and The Real Investment Show. 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://www.youtube.com/watch?v=slUg9jxb_Lo&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketPullback #FuturesWarning #StockMarketUpdate #VolatilityAhead #InvestorInsights
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11-3-25 Investor Dilemma: Pavlov Rings the Bell
11/03/2025
11-3-25 Investor Dilemma: Pavlov Rings the Bell
Are today’s investors psychologically conditioned to buy every market dip—no matter the risk? Lance Roberts explores the “Investor Dilemma” through the lens of Pavlov’s classical conditioning, revealing how years of Fed interventions, liquidity injections, and momentum rallies have trained investors to respond to volatility like Pavlov’s dogs to a bell...and three Gold Myths you don't want to mith...er, miss. 0:20 - 1st Trading Day of November (w No Gov't Data) 4:06 - Markets' Long Stretch of Gains - Pullback Coming? 8:50 - Markets' Buy the Rumor - Sell the News to Fed Action 11:53 - Two Myths About the Federal Reserve 15:31 - Why the Fed Likely Ended QT 19:29 - The Investors' Dilemma 22:33 - The Definition of Moral Hazard 24:52 - The Change in Liquidity Index 27:36 - If there's No Risk, Why NOT Overpay for Stocks? 32:30 - Fundamentals Still Matter 35:37 - 10% Correction from Current Levels is a Possibility 38:00 - The Buying Part is Easy... 39:46 - The Three Myths About Gold 39:46 - The Three Myths About Gold 🎧 Watch now to learn how market psychology may be conditioning your portfolio decisions without you realizing it. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Gold Myths Luring Investors Into Risk" https://realinvestmentadvice.com/resources/blog/gold-myths-luring-investors-into-risk/ "Investor Dilemma: Pavlov Rings The Bell" https://realinvestmentadvice.com/resources/blog/investor-dilemma-pavlov-rings-the-bell/ -------- The latest installment of our new feature, Before the Bell, "Six Straight Months: Is a Market Pullback Next?" is here: https://www.youtube.com/watch?v=dE7tA_f9GyI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Why Risk Tolerance Questionnaires Don’t Work," is here: https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketAnalysis #PreMarketBrief #RiskManagement #SantaClausRally #BehavioralFinance #InvestorDilemma #MarketPsychology
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11-3-25 Six Straight Months: Is a Market Pullback Next? | Before the Bell
11/03/2025
11-3-25 Six Straight Months: Is a Market Pullback Next? | Before the Bell
Markets have now logged six consecutive months of gains, a streak that’s impressive—but also rare. History tells us that long runs of momentum often end with a pullback to the mean. In this pre-market update, Lance Roberts discusses: • Why the market’s current overbought conditions could lead to a November or December correction • How deviations from long-term moving averages create short-term risk • What investors should watch before the Santa Claus rally season kicks in Now’s the time to reassess portfolio risk and prepare for a month of potentially sloppy trading ahead. 📈 Stay informed with real-time insights from RIA Advisors — because markets reward discipline, not complacency. 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://www.youtube.com/watch?v=dE7tA_f9GyI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketAnalysis #PreMarketBrief #RiskManagement #SantaClausRally
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10-31-25 Why Risk Tolerance Questionnaires Don’t Work
10/31/2025
10-31-25 Why Risk Tolerance Questionnaires Don’t Work
Most investors have filled out a risk tolerance questionnaire—but does it really measure how you’ll behave when markets crash? Richard Rosso & Jonathan McCarty break down why traditional risk tolerance tools fail to predict investor behavior, how emotions override risk profiles, and why time horizons, liquidity needs, and cash flow matter far more than a few survey questions. 0:19 - Halloween Prelude - Baby's First Halloween 2:31 - Risk Tolerance Tests - The Ugly Truth 6:00 - How Rich & Jonathan Scored 7:12 - The Spousal Tolerance Quiz 11:08 - Looking at Risk Tolerances in Couples 17:48 - What's Your Judgement Orientation? 21:52 - Responding to Market Moves - Mapped Portfolios 24:26 - What Happens When Powell is Out at the Fed 28:53 - Risk Tolerance Quizzes Do Not Reflect Reality When Markets Turn 30:30 - When Rich was 13 - Owning McDonald's 35:28 - EBT, Food Stamps, & Fast Food Comparisons 36:55 - Taking the Risk Quiz at 20 vs 50 39:08 - Investing Over-Confidence vs Balance 40:50 - The Millionaire Next Door I & II 43:34 - AI Impact on Market History Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here: https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "The Most Dangerous Era in History," is here: https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #RiskManagement #InvestorBehavior #WealthStrategy #RIAAdvisors
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10-29-25 Vinay Gupta - Bitcoin - Speculation Blockchain the Future of Money
10/29/2025
10-29-25 Vinay Gupta - Bitcoin - Speculation Blockchain the Future of Money
Why has Bitcoin captured the attention of investors and innovators alike? Lance Roberts & Vinay Gupta break down what makes Bitcoin unique — from its blockchain backbone to its role as currency, commodity, and speculative asset. We’ll explore how to think about Bitcoin in a diversified portfolio, what risks investors need to understand, and why blockchain may reshape how business is done in the future. 🔍 Topics Covered: 0:18 - INTRO - Who is Vinay Gupta? 3:53 - Why Has Bitcoin so captured the attention of the investing public? 6:28 - Understand the real benefits of Bitcoin 8:56 - What is the large-scale use of blockchain now; 11:55 - Looking at Bitcoin in a bipartisan world 15:20 - the currency vs the network vs store of value 17:58 - The conversion quandary - how to use Bitcoin? 19:22 - Currency, Commodity , or Speculative Asset? 21:31 - The Asymmetric upside of Bitcoin 25:36 - Dealing with the Volatility or Cryptocurrency as an asset class 29:24 - How to manage Cryptocurrency in a diversified portfolio 32:27 - Dealing with Risk in Any Asset Class 35:45 - Never be over-exposed to any asset to the extent that it cannot be managed 36:50 - What's the best way to mitigate risk in Cybercurrency? 41:14 - Passwords & Private Wallets 44:09 - The MicroStrategy story - becoming Bitcoin treasury companies 49:58 - The performance/underperformance of MicroStrategy, levered ETF's 55:00 - Using Bitcoin as Money 56:58 - The Error of just holding cash Whether you’re curious about crypto or skeptical of the hype, this discussion will help you understand the real value — and risks — of Bitcoin in today’s market. 📈 Think before you buy. Invest with understanding. #BitcoinInvesting #BlockchainTechnology #FutureOfMoney #DigitalAssets #FinancialEducation
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10-28-25 Profit Taking Made Simple
10/28/2025
10-28-25 Profit Taking Made Simple
Taking profits sounds easy—until you try it with a smaller account. Lance Roberts & Jonathan Penn answer listeners' question about managing portfolios spread across myriad stocks, with allocations similar to the S&P 500. When positions are small, trimming into strength or reinvesting during market highs can feel nearly impossible. 0:19 - Profit Taking, Earnings, & FOMC Meeting Previews 4:48 - Market Bullishness Confirmed 10:05 - Managing Risk in Volatile Markets 13:55 - There's no Perfect Time 15:31 - Profit Taking in a C-fund 401k 21:05 - Taking Profits in Small Portfolios 23:11 - The Wisdom of Position Sizing 29:45 - What About Weighting in ETF's - There's no holy grail 34:36 - Documenting Allocation Models 39:01 - What Allocation Model is Best for You? 45:22 - The Three-legged Stool of Portfolio Returns 48:41 - Make Sure Portfolio Assets are not Correlated Together 🔔 Subscribe for weekly market insights, retirement strategies, and financial truth-telling that cuts through the noise. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Retail Leverage Goes to Extremes" https://realinvestmentadvice.com/resources/blog/rally-into-year-end-3-reasons-to-buy-dips-copy/ "The Most Dangerous Era In History" https://realinvestmentadvice.com/resources/blog/passive-investing-driving-the-most-dangerous-era-in-history/ -------- The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here: https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "The Most Dangerous Era in History," is here: https://www.youtube.com/watch?v=u9JdDT0xaeM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BullishMomentum #StockMarketUpdate #Gold #Bonds #Treasuries #SmallPortfolio #InvestingForBeginners #PortfolioRebalancing #TakeProfits #FinancialEducation
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10-28-25 Bullish Momentum Builds | Before the Bell
10/28/2025
10-28-25 Bullish Momentum Builds | Before the Bell
Markets kicked off the week with renewed bullish momentum, breaking out of the rising trend channel after holding support at the 50-DMA. Liquidity continues to pour into equities as investors chase returns, while gold corrects and bonds quietly deliver solid year-to-date gains. In this short market update, Lance Roberts explains: • Why the backdrop for stocks remains bullish near-term • How liquidity rotation is fueling equities at gold’s expense • Where gold may find support for its next move higher • Why bonds continue to offer steady total returns 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://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BullishMomentum #StockMarketUpdate #Gold #Bonds #Treasuries
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10-27-25 The Most Dangerous Era in History
10/27/2025
10-27-25 The Most Dangerous Era in History
We’re living through one of the most dangerous eras in history — not because of war or politics alone, but because of the extraordinary convergence of economic, financial, and geopolitical risks. In this episode, we break down: How record global debt, AI-driven speculation, and geopolitical instability are colliding. Why the current market optimism masks systemic fragility. What investors can learn from past cycles — from 1929 to 2008 — to prepare for the next regime shift. The role of central banks, fiscal excess, and policy distortions that have created a fragile illusion of stability. 0:18 - EOM Approaches, Rare Earth, & the China Deal 4:28 - Markets Set New Highs 8:57 - Lance's Grandkid Solution 10:28 - The Dumbest Stock Market in History 12:53 - Why Are Markets trading at 200% Above GDP? 16:26 - Unforeseen Consequences of Passive Investing 21:54 - More ETF's than Mutual Funds 26:47 - Passive Indexing Underwrites the Markets 31:13 - The Causality of Liquidity 34:21 - Bubbles Don't Form, the Evolve 37:25 - Be Aware of the Risks You're Taking 45:14 - Cash Levels and Margin Debt 🔔 Subscribe for weekly market insights, retirement strategies, and financial truth-telling that cuts through the noise. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=u9JdDT0xaeM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Retail Leverage Goes to Extremes" https://realinvestmentadvice.com/resources/blog/rally-into-year-end-3-reasons-to-buy-dips-copy/ "The Most Dangerous Era In History" https://realinvestmentadvice.com/resources/blog/passive-investing-driving-the-most-dangerous-era-in-history/ -------- The latest installment of our new feature, Before the Bell, "New Highs, Same Risks," is here: http://bit.ly/4oxs9x0 ------- Our Previous Show, "The Art of Retirement Income," is here: https://www.youtube.com/watch?v=y8LO6P2hwG0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #MarketRally #TechnicalAnalysis #InvestingInsights #YearEndRally #MarketRisk #FinancialCrisis #InvestingWisdom #GlobalEconomy
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10-27-25 New Highs, Same Risks | Before the Bell
10/27/2025
10-27-25 New Highs, Same Risks | Before the Bell
Markets hit new all-time highs Friday, with momentum improving and a fresh MACD buy signal confirming the uptrend. Relative strength continues to build, supporting the case for a year-end rally. But investors shouldn’t get complacent. December’s mutual fund rebalancing and short-term pullbacks could add volatility, even as corporate buybacks and under-positioned hedge funds keep providing support. In this video, we break down what’s driving the rally, the technical signals confirming momentum, and what risks investors should still keep on their radar as we move into year-end. 📊 Key Takeaways: MACD buy signal and improving market breadth Why fund rebalancing could spark short-term dips How corporate buybacks and CTA flows add support Managing risk while staying invested through year-end 👉 Subscribe for daily market insights from RIA Advisors. 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: http://bit.ly/4oxs9x0 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #MarketRally #TechnicalAnalysis #InvestingInsights #YearEndRally
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10-24-25 The Art of Retirement Income
10/24/2025
10-24-25 The Art of Retirement Income
Your greatest retirement risk isn’t the market; it’s living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle. 💡 Topics covered: • Why the 4% rule doesn’t match how most retirees really spend • How to front-load income for early enjoyment without running out of money • The role of inflation protection and flexible withdrawal plans • How delaying Social Security can act as a built-in longevity hedge 0:20 - Rosso's Garage - Lost Tools 2:10 - The Toughest Part of Retirement Planning 5:49 - David Blanchett's Retirement Spending Smile 11:02 - Downsizing in Retirement 15:22 - Lifespan in Retirement 20:43 - Health & Wealth & 1-800-Brent 25:01 - Your Biggest Enemy in Retirement - Inflation 32:05 - Retirement Plans Should be Made to be Fluid 34:44 - Retirement Income Planning is an Art Retirement income is both science and art: balancing freedom, security, and sustainability. Learn how to create a plan that lasts as long as you do. 👉 Subscribe for more smart insights from RIA Advisors on retirement planning, markets, and wealth management. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=y8LO6P2hwG0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Russia Sanctions Ignite Oil Rally," is here: https://www.youtube.com/watch?v=N7DyLmRRWoQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "TDollar Debasement: Reality Or Dangerous Narrative?," is here: https://www.youtube.com/watch?v=6HNCz8Ogzxc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #FinancialFreedom #WealthManagement #SocialSecurity#RealInvestmentAdvice
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