The Real Investment Show Podcast

It's a show about life, markets, sweat-equity, and the pursuit of wealth in a capitalist market.

5-8-26 Annuities: Smart Move or Costly Mistake? 05/08/2026

5-8-26 Annuities: Smart Move or Costly Mistake? Are annuities only for retirees, or can they play a role in building long-term financial security at any age? Richard Rosso & Jonathan "Smarty" McCarty break down the myths, costs, benefits, and risks of annuities, and how guaranteed income fits into a retirement strategy. We discuss how annuities can serve as bond substitutes, why fees vary so widely, how sales structures impact costs, and how to determine whether an annuity fits your personal retirement goals. Most importantly, we explore how to create a rules-based approach to guaranteed income that matches your lifestyle, risk tolerance, and future needs. Key topics include: 0:00 - INTRO 0:19 - Living Vicariously thru Clients' Experiences 4:05 - Why Annuities Get a Bad Rap - Liquidity & Life 7:09 - Insuring Late-life Consumption 9:30 - Behavioral Mechanisms - Mental Accounting & Loss Aversion 11:48 - The Cap'n Crunch Diversion 12:58 - Benefits of Delaying Social Security 14:26 - Everybody "knows" when they're going to die 16:42 - Framing Delay as a Longevity Bet 17:23 - Women are Better Investors 19:43 - Spousal Protection Consideration 20:18 - Annuities Get Sold, Not Planned 23:17 - Secrets of Return Risk 25:51 - Study: Fixed Income Annuities vs Bonds 29:42 - Annuities We Don't Like 30:18 - Annuities Riders You May Not Need 33:34 - RIA Snuggies, Immediate Annuities,, and Early Retirement 36:22 - Getting a Second Opinion -What Problem is Annuity Solving? 42:50 - Immediate vs Variable Annuities 45:30 - How Much of an Annuity Do You Need? 47:36 - Passing Along Assets & Annuities 50:59 - Candid Coffee Tease Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/bIrBY3SVfbQ ------- Watch today's "Before the Bell" feature, "How Markets Ignore the Fear" here: https://youtu.be/1BrnxwNgzeY ------- Watch our previous show, "Semiconductors: Bubble or Bust?" https://youtube.com/live/X0moIzRXOHg ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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/ #Annuities #RetirementPlanning #GuaranteedIncome #FinancialPlanning #RetirementIncome /episode/index/show/lancerobertsshow/id/41218770

5-7-26 Semiconductors: Bubble or Bust? 05/07/2026

5-7-26 Semiconductors: Bubble or Bust? Semiconductor stocks continue to lead the market higher as the AI boom drives massive capital spending, soaring valuations, and relentless momentum in names like Nvidia, AMD, Broadcom, and TSMC. But are investors witnessing the next great technology revolution, or the early stages of another market bubble? Lance Roberts & Michael Lebowitz examine the semiconductor trade from both sides: Explosive AI demand, data center growth, and earnings momentum versus stretched valuations, narrowing market breadth, and growing concentration risk inside the S&P 500 and NASDAQ. Key topics include: 0:00 - INTRO 0:56 - Earnings Revisions are Ratcheting Up 4:32 - The Importance and Use of Technical Indicators 11:05 - Tools for Separating Narratives & Emotions from Market Reality 13:07 - Likes for Lebo Merch 14:10 - Semiconductors, AI, and Bubbles 16:58 - GPU's, CPU's, & LLM's 18:38 - The AMD Story & Supple-Demand Imbalances 24:10 - Portfolio Management Keeps You Out of Trouble 25:05 - Taking Profits is Important 26:45 - Where Will Money Go Next? 29:22 - Dissention in the Fed - Cuts or No Cuts? 32:15 - AI is Disinflationary in Nature 34:06 - The Curb Appeal of the Economy 36:18 - Guessing the Outcome - The K-Shape Continues 38:29 -The Technology Displacement Cycle Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/X0moIzRXOHg ------- Articles Mentioned in Today's Show: "A Robot Economy: Who Gets Rich, Who Gets Left Behind" https://realinvestmentadvice.com/resources/blog/a-robot-economy-who-gets-rich-who-gets-left-behind/ ------- Watch today's "Before the Bell" feature, "How Markets Ignore the Fear" here: https://youtu.be/1BrnxwNgzeY ------- Watch our previous show, "Q&A Wednesday - What's Your Biggest Concern?" https://youtube.com/live/TFn61TpR-Fc ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #Investing #SP500 #MarketOutlook #TechnicalAnalysis #Semiconductors #AIStocks #Nvidia #TechnologyStocks /episode/index/show/lancerobertsshow/id/41204880

5-7-26 How Markets Ignore the Fear | Before the Bell 05/07/2026

5-6-26 Q&A Wednesday - What's Your Biggest Concern? 05/06/2026

5-6-26 Q&A Wednesday - What's Your Biggest Concern? It’s Q&A Wednesday, and Lance Roberts & Danny Ratliff are taking your questions live from the YouTube chatroom. From markets at all-time highs and rising pullback risk, to Fed policy, rates, and portfolio positioning, we’re breaking down what matters most right now. With stocks extended, volume thinning out, and momentum showing signs of fatigue, is this a healthy pause or the start of a correction? What should investors and traders be doing right here? Key topics include: 0:00 - INTRO 0:57 - Markets Rally, Oil Plunges 4:05 - AI Trade is Back - but watch for reversal 7:52 - Vanguard Bond Builders - Bonds vs ETF's 12:32 - Best Store of Cash for a Portfolio? 14:39 - Couples with Pensions 17:06 - How did you react to downturn in the market? 19:59 - Lump Sum vs Pension Payout? 21:15 - The Thing About High-Yield Bonds 23:15 - What About the "Bucket Strategy" for Managine Risk? 24:31 - What Happens if Pensions Go Broke? 26:12 - Technical - Is the MACD Ever Wrong (and what is it?) 28:14 - Technical - What is the difference between Absolute & Relative scores? 32:28 - Where Are Rotations Going Next? 33:33 - Why Aren't Nvidia & Palantir Part of This Advance? 35:32 - Are Gold Stocks a Decent Buy? 38:16 - Use of Inverse ETF's as Hedges 39:03 - Portfolio Over- & Under-weighting 39:58 - How to Work with RIA? 40:44 - What if U.S. Dissolves? 42:35 - Don't Worry; Be Happy 43:07 - Managing Stocks w Different Advisors 45:35 - What's Your Story? 46:20 - The Thing About Apple & Microsoft 50:48 - BOE Interest Rates & Impact on Gold Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TFn61TpR-Fc ------- Watch today's "Before the Bell" feature, "AI Rally Nears Exhaustion," here: https://youtu.be/cievTNHiw6Y ------- Watch our previous show, "Investing vs Trading - Finding the Balance," https://youtube.com/live/LGDW2OXJ6oo ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #Investing #AIStocks #MarketOutlook #RiskManagement /episode/index/show/lancerobertsshow/id/41194690

5-6-26 AI Rally Nears Exhaustion | Before the Bell 05/06/2026

5-5-26 Investing vs Trading - Finding the Balance 05/05/2026

5-5-26 Investing vs Trading - Finding the Balance Investing and trading are often treated as opposing strategies, but the real advantage comes from knowing how to use both effectively. Long-term investing builds wealth through discipline and compounding, while trading can create short-term opportunities to enhance returns or manage risk. Lance Roberts & Jon Penn break down the key differences between investing and trading, when each approach makes sense, and how to structure a portfolio that incorporates both without letting emotion or overactivity take control. We discuss time horizons, risk management, position sizing, and how to avoid the common mistake of letting short-term trades derail long-term financial goals. Key topics include: 0:00 - INTRO 0:58 - Hormuz Headlines & Market Gyrations 5:16 - Market Volume Spreads & Correction Targets 10:11 - The Story of Cinco de Mayo & Taco Tuesday 13:34 - Trading vs Investing 14:45 - Proposed Ban on Prediction Markets in Texas 16:07 - Zero Days to Expiration: The Ultimate Gamble 18:06 - Psychological Effects of Prediction Markets - the tax on the poor 21:18 - Who's Making the Money? 22:54 - Warren Buffett's Pile of Cash 25:36 - We Want to Believe Fundamentals Matter 28:04 - What Are Your Top-five Stocks? 30:05 - Binary Outcomes - All or Nothing 31:42 - Markets are Expensive 33:31 - When Buy & Hold Fails 36:10 - Protect Capital - The Value of Time 39:02 - Sequence of Returns Risk 40:14 - What to do with Cash Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/LGDW2OXJ6oo ------- Watch today's "Before the Bell" feature, "Cooling-Off Correction Ahead," here: https://youtu.be/LbNhP30VHio ------- Watch our previous show, "Summer Sell-Off Risk Rising," https://youtube.com/live/h2Bku-whRmY ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar’s Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #SP500 #MarketCorrection #InvestingStrategy #RiskManagement #Investing #Trading #PortfolioStrategy #RiskManagement #WealthBuilding /episode/index/show/lancerobertsshow/id/41162350

5-5-26 Cooling-Off Correction Ahead? | Before the Bell 05/05/2026

5-4-26 Summer Sell-Off Risk Rising 05/04/2026

5-4-26 Summer Sell-Off Risk Rising Markets have pushed higher, but underlying risks are beginning to build as we head into the summer months. From stretched valuations and overbought technical conditions to seasonal weakness and shifting liquidity, investors may be facing a more challenging environment than recent gains suggest. Lance Roberts breaks down the key signals pointing to a potential summer sell-off, including market breadth, momentum, and the impact of earnings season winding down. We also discuss how buybacks, economic data, and Federal Reserve policy could influence the next move in stocks, and whether any pullback would represent a healthy reset or something more significant. Key topics include: 0:00 - INTRO 0:56 - Launching Month of May - Manufacturing Numbers review 4:42 - Ongoing Update on Strait of Hormuz 6:02 - Trim Risk Now 10:43 - Chat Rebuttal: Why the market doesn't care about ongoing "war..." 13:45 - Why Summer Correction Risk is Rising 15:45 - Market Breadth Continues to Deteriorate 17:33 - New York Advance/Decline Line Breadth Metric 18:32 - Market Volatility 20:21 - Summer Seasonality is a Real Thing 23:57 - Market Performance in Mid-term Election Years 25:46 - Updated Outlook for Oil Prices 28:54 - How to Navigate Markets Now 32:12 - The Robot Economy & The Minimum Wage 37:48 - The Conundrum of the K-Shaped Economy & Wealth Divide 40:43 - You CAN Be Replaced - Jobs at Risk 42:04 - What You Can Do About It 44:35 - Invest today in the companies of tomorrow Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/h2Bku-whRmY ------- Watch today's "Before the Bell" feature, "Markets Near Peak - Pullback Risk Rising," here: https://youtu.be/OBGLWIvsGZI ------- Watch our previous show, "Gray Divorce: Social Security Secrets," https://youtube.com/live/rXi5IdkLNRM ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar’s Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #MarketPullback #InvestingStrategy #RiskManagement #TechnicalAnalysis #MarketOutlook #Investing #MarketVolatility /episode/index/show/lancerobertsshow/id/41143425

5-4-26 Markets Near Peak - Pullback Risk Rising | Before the Bell 05/04/2026

5-1-26 Gray Divorce: Social Security Secrets 05/01/2026

5-1-26 Gray Divorce: Social Security Secrets Gray divorce is on the rise, and many investors are missing a key opportunity: Social Security benefits tied to an ex-spouse. Richard rosso & Jonathan McCarty explain how divorced spousal benefits work, including eligibility rules, timing decisions, and how much you may be able to claim. If you were married at least 10 years, you could receive up to 50 percent of your ex-spouse’s benefit, or even more through survivor benefits, without impacting their payout. Key topics include: 0:00 - INTRO 0:19 - Financial Repercussions of Gray Divorce 1:47 - Economic Numbers Review 2:16 - Data Center & Power Station Build Outs 4:40 - Interest Rates & Kevin Warsh 6:22 - Apartment Build Outs - Function Over Form 9:39 - Gray Divorce Rates - One in Three: Financial Vulnerabilities 12:58 - Going Back to Work After Divorce 14:23 - Demographics, Ageism, & Merit-based Immigration 18:24 - AI & Content Creation : Lessons About Business 20:15 - Taxation Following Divorce 21:37 - Mishaps with Social Security After Divorce 23:02 - Longevity & Empty-nester's 25:29 - Timing Matters - All in the Family 29:39 - Financial Advisor as Referee 35:15 - Social Security: Spousal Benefits, Survivors Benefits Qualifications 38:32 - Don't Make These Divorce Mistakes 41:53 - First Rule When You Know You're Divorcing 45:22 - The Middle Class is Being Bolstered by Growth in Assets 46:14 - Will AI replace FA's? 50:56 - Candid Coffee Event 5/16 Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/rXi5IdkLNRM ------- Watch today's "Before the Bell" feature, "Market Stalls as Risks Build," here: https://youtu.be/SSzwq4AG2-0 ------- Watch our previous show, "Fed Holds Rates as Powell Stays On," https://youtube.com/live/oYQSPI-_BqE?feature=share ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar’s Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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/ #GrayDivorce #SocialSecurity #RetirementPlanning #DivorceFinance #WealthManagement /episode/index/show/lancerobertsshow/id/41119175

4-30-26 Fed Holds Rates as Powell Stays On 04/30/2026

4-30-26 Fed Holds Rates as Powell Stays On The Federal Reserve held interest rates steady at 3.5%–3.75%, but the bigger story may be what comes next. Powell announced he plans to remain on the Federal Reserve Board as a governor after his term ends—an unusual move that limits a potential board vacancy and keeps his influence in play. Lance Roberts & Michael Lebowitz examine what this means for monetary policy, market expectations, and the timing of future rate cuts. Key topics include: 0:00 - INTRO 1:02 - Closing Out April, Moving Into May: earnings season winding down 3:52 - Eli Lilly & GLP-1 4:21 - No Change in Fed Stance & Oil Prices 6:04 - Market Consolidation Continues 9:56 - Mrs. Roberts Moderates & Likes for Lebo 11:47 - Mag-4 Earnings Review 16:16 - Eli Lilly & Myriad Applications for GLP-1 19:13 - Most Uneventful Eventful Fed Meeting 23:22 - Office Politics at The Fed 26:01 - The Hawkish Take is the Correct One 27:41 - What Really Drives Inflation (not car insurance) 31:47 - Inflation Varies by Location 33:15 - The Fed is Stuck 34:59 - Oil Futures Pricing & the "Sweet Spot" 36:47 - Earnings & Profit Margins - Where's the Risk? 39:08 - Caterpillar Earnings & Data Center Construction Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oYQSPI-_BqE?feature=share ------- Watch today's "Before the Bell" feature, "Market Stalls as Risks Build," here: https://youtu.be/SSzwq4AG2-0 ------- Watch our previous show, "Q&A Wednesday: Markets & Your Money ," https://youtube.com/live/xzazFr20EOE ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar’s Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #MarketOutlook #InvestingStrategy #EarningsSeason #RiskManagement #FederalReserve #InterestRates #JeromePowell #MonetaryPolicy /episode/index/show/lancerobertsshow/id/41077655

4-30-26 Market Stalls as Risks Build | Before the Bell 04/30/2026

4-29-26 Q&A Wednesday: Markets & Your Money 04/29/2026

4-29-26 Q&A Wednesday: Markets & Your Money Markets continue to push higher, but the underlying story is getting more nuanced. Leadership is narrowing, valuations are stretched, and investors are weighing strong momentum against rising risks—from interest rate uncertainty to geopolitical developments and shifting economic data. Lance Roberts and Danny Ratliff open the chatroom to tackle your most pressing financial questions in real time. From portfolio strategy and market outlook to retirement planning, taxes, and risk management, we’ll break down what matters most in today’s environment and how to think through what comes next. Key topics include: 0:00 - INTRO 1:04 - Jerome Powell's Last Stand 5:59 - Markets Primed for Pull Back 10:28 - When Will Oil Prices Peak? 13:48 - Will UAE Exit from OPEC+ Fracture CarteL? 15:39 - Could OPEC Break Up Lead to Oil Over-supply/Price Crash? 17:00 - The Fed Should Be Seen & Not Heard 20:27 - Strategies for Rates and Timing 22:25 - John Bogle, International Mutual Funds, & Boat Anchors 27:37 - Market Volatility & Record Retail Participation 28:25 - How We Use Options 31:01 - When Do We Know the Software Services Apocalypse is Over? 33:23 - What Was Your Worst Trade...and Biggest Mistake? 38:37- What Did Lance have for Breakfast? 40:05 - Investing in Photonic Stocks? 43:38 - Armadillos & Horses (really, people??) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/xzazFr20EOE ------- Watch today's "Before the Bell" feature, "Overextended Markets - Pullback Risk Rising," here: https://www.youtube.com/playlist?list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "The Hidden Costs of Divorce," https://youtube.com/live/sSYl1w7TUek?feature=share ------- The latest installment of our new feature, Before the Bell, "Don’t Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar’s Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #MarketOutlook #InvestingStrategy #FederalReserve #TechnicalAnalysis #Investing #FinancialPlanning #InvestorQuestions /episode/index/show/lancerobertsshow/id/41062300

4-29-26 Overextended Markets - Pullback Risk Rising | Before the Bell 04/29/2026

4-29-26 Overextended Markets - Pullback Risk Rising | Before the Bell Markets held steady Tuesday, but beneath the surface, conditions are becoming increasingly stretched. Prices are now sitting well above key moving averages, with momentum and relative strength pushing into overbought territory. While there’s no immediate sign of breakdown, this level of extension typically limits upside and raises the probability of a near-term pullback. With key catalysts ahead, including today’s Fed announcement and earnings releases, markets are vulnerable to even minor negative surprises. As we move into May, a period that historically brings more volatility, the combination of seasonal weakness and technical extension increases risk. This may be a good time to review portfolios, trim risk, and prepare for a potential pullback—which could ultimately present a more favorable entry point. Markets don’t move in straight lines, and patience here may be rewarded. 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/playlist?list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz --- Articles mentioned in this report: "The Microsoft OpenAI Marriage Is On Rocky Ground" https://realinvestmentadvice.com/resources/blog/the-microsoft-openai-marriage-is-on-rocky-ground/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- 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 #MarketOutlook #InvestingStrategy #FederalReserve #TechnicalAnalysis /episode/index/show/lancerobertsshow/id/41060820

4-28-26 The Hidden Costs of Divorce 04/28/2026

4-28-26 The Hidden Costs of Divorce Divorce is rarely just emotional—it can be financially devastating. Lance Roberts and Jon Penn break down the many costs and consequences of divorce, with a focus on “financial infidelity” and how hidden spending, secret accounts, and undisclosed income are tearing marriages apart. Key topics include: 0:00 - INTRO 0:58 - Earnings Season Chugs Along 4:01 - What's Hanging Over Markets Now 5:31 - Market Breadth Narrows 10:34 - Private Jets & Early Wake-up Calls 11:24 - Cohabiting, Marriage, & Financial Conflict 16:14 - Forensic Accountants & Secret Families(!) 18:52 - Splitting & Combining Money - The Zero-based Budget 21:52 - Two Biggest Causes of Divorce 23:06 - The "Gray Divorce" Phenomenon 25:08 - Financial Infidelity & Gambling 30:08 - Biggest Risk in Marriage (Poll) 32:34 - "Half!" 36:10 - Pre-marital Financial Counseling 37:56 - The Real Meeting 42:07 - Financial Habits are Hereditary 47:17 - Beware Lifestyle Creep Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/sSYl1w7TUek?feature=share ------- Watch today's "Before the Bell" feature, "Narrow Rally Warning," here: https://youtu.be/KOvVspATC_o ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Why is the Market Ignoring the Strait? " https://youtube.com/live/tpVJst4GNkE?feature=share ------- The latest installment of our new feature, Before the Bell, "Don’t Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar’s Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #SP500 #MarketBreadth #Nasdaq #EnergyStocks #DivorceCosts #FinancialInfidelity #PersonalFinance #MarriageAndMoney #WealthManagement /episode/index/show/lancerobertsshow/id/41048765

4-28-26 Narrow Rally Warning | Before the Bell 04/28/2026

4-27-26 Why is the Market Ignoring the Strait? 04/27/2026

4-27-26 Why is the Market Ignoring the Strait? Geopolitical tensions around the Strait of Hormuz have historically sent shockwaves through global markets—especially oil. Yet today, markets appear unusually calm. Why? Lance Roberts breaks down the disconnect between rising geopolitical risk and resilient equity markets, exploring why investors may be discounting the threat, including shifting oil correlations, expectations for contained conflict, and the role of liquidity, positioning, and market structure. Key topics include: 0:00 - INTRO 1:02 - Assassination Attempts & Strait of Hormuz News 5:12 - Markets Consolidate to Close at All-time Highs 9:44 - Data Center Plays Today 15:06 - Men, Women, & Movies 19:42 - Is the Market Ignoring the Strait of Hormuz? 29:42 - What To Do Now 36:02 - The Dollar's Funeral Nobody Attended Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Smart Wealth Transfer Strategies " https://youtube.com/live/J1FjILk7Gaw ------- The latest installment of our new feature, Before the Bell, "Don’t Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar’s Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #MarketOutlook #InvestingStrategy #RiskManagement #StockMarketNews #Geopolitics #OilPrices #Investing /episode/index/show/lancerobertsshow/id/41032975

4-27-26 Don’t Chase These All-Time Highs | Before the Bell 04/27/2026

4-24-26 Smart Wealth Transfer Strategies 04/24/2026

4-24-26 Smart Wealth Transfer Strategies What are the smartest ways affluent families transfer wealth efficiently—and what mistakes should you avoid? Richard Rosso & Devoda Owens share wealth transfer strategies from the simplest approaches to more advanced planning techniques, starting with foundational tools like annual gifting and using lifetime exemptions. Also explaining how to think about asset selection—what to gift now versus what to hold for a step-up in basis. Key topics include: 0:00 - INTRO 0:19 - Missed Exits, '70's Music, Origins of the RIA Eagle 4:15 - Looking at Wealth Transfers 5:55 - Charitable Donations & Tax Deductions 7:47 - The Great Wealth Transfer 11:14 - Wealth Transfer Planning for Asset Protection 13:03 - The Foundation of Wealth Transfer is Gifting 16:58 - Trust Planning: Revocable & Irrevocable Trusts 19:31 - Potential for Taxation of Wealth Transfers 22:59 - Managing Illiquid Assets in a Trust 24:57 - Messy Estate Plans for Celebrities (Do you really need one?) 30:14 - Trusts Are Expensive 31:56 - Donor-advised Charitable Funds 35:27 - Leaving Inheritance for Pets, the Saga of Gravy Train 37:49 - Roth Conversions in Wealth Transfers 42:14 - Our Next Candid Coffee (5/16/26)* Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Devoda Owens, CFP, MS ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/J1FjILk7Gaw ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Can Warsh Reshape the Fed?" https://youtube.com/live/MKQ5YTaUNh8 ------- The latest installment of our new feature, Before the Bell, "Wait for the Setup" is here: https://youtu.be/0PkDug9qEys ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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/ #WealthTransfer #EstatePlanning #TrustStrategies #FinancialPlanning #HighNetWorth /episode/index/show/lancerobertsshow/id/41004190

4-23-26 Can Warsh Reshape the Fed? 04/23/2026

4-23-26 Can Warsh Reshape the Fed? Kevin Warsh’s nomination hearing put Federal Reserve reform front and center. His vision challenges long-standing norms, raising key questions about how monetary policy could change—and what it means for markets. What would a Warsh-led Fed mean for interest rates, inflation expectations, and market stability? Lance Roberts & Michael Lebowitz break down the implications. Key topics include: 0:00 - INTRO 1:04 - Kevin Warsh & Fed Reform; Technology at All-time High 5:47 - If You Missed the Rally... 10:32 - Temps in God's Country 11:39 - Odds are Kevin Warsh Will Be Confirmed 12:22 - Misnomer: The Fed is Trying to Bail Out the Dollar 16:02 - All Money is Lent Into Existence 18:29 - Money Supply is Not a Gauge of Inflation 22:09 - Misunderstanding Leads to Poor Investing Decisions 23:19 - When Kevin Warsh Replaces Jerome Powell 24:44 - QE is Reverse-Robinhood 26:40 - Fed Switch from Trimmed PCE for Inflation Metric 28:22 - Fed Communication & Forward Guidance 31:20 - Markets No Longer Pay Attention to Fundamentals 34:39 - Will Warsh Be Able to Make Substantive Changes? 36:17 - Fed Crises & New Chairmen 39:18 - Passive Investing Does a Disservice to Economy 41:05 - The Value Names Don't Have a Lot of Value 43:06 - Passive Investing Creates Mis-allocation of Capital ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MKQ5YTaUNh8 ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Q&A Wednesday - Ask Us Anything " https://youtube.com/live/yFe9x3vjJn0 ------- The latest installment of our new feature, Before the Bell, "Wait for the Setup" is here: https://youtu.be/0PkDug9qEys ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #InvestingStrategy #MarketOutlook #TechnicalAnalysis #FederalReserve #KevinWarsh #InterestRates #Inflation #MonetaryPolicy /episode/index/show/lancerobertsshow/id/40990560

4-23-26 Wait for the Setup | Before the Bell 04/23/2026

4-23-26 Wait for the Setup | Before the Bell Markets continue to hold up well, but momentum is beginning to slow as overbought conditions persist. While earnings expectations and money flows remain supportive, the near-term upside appears limited without a period of consolidation or a pullback. In today’s pre-market update, we discuss why patience is critical here. With key economic data ahead and uncertainty around potential Fed leadership changes, markets may need time to reset before the next leg higher. Chasing this rally at current levels could expose investors to unnecessary short-term volatility. Technically, the setup is improving beneath the surface. The 20-DMA is rising and working back above longer-term moving averages, which can provide near-term support if markets hold current levels. However, a more attractive entry point likely comes with a pullback toward the 50- and 100-DMA support cluster. Despite geopolitical concerns, including tensions in the Strait of Hormuz, markets are focusing on forward earnings and longer-term expectations. The trend remains intact, but discipline is key as momentum slows and the market works through this phase. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/0PkDug9qEys?si=DP1sskL3hOfVuD_C --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- 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 #InvestingStrategy #MarketOutlook #TechnicalAnalysis #FederalReserve /episode/index/show/lancerobertsshow/id/40989690

4-22-26 Q&A Wednesday - Ask Us Anything 04/22/2026

4-22-26 Q&A Wednesday - Ask Us Anything It’s Q&A Wednesday, and we’re tackling the questions that matter most right now—markets at all-time highs despite geopolitical tension, whether this rally can hold, and where investors should be positioned if volatility returns. Lance Roberts & Danny Ratliff also dive into real-world portfolio decisions: how to think about inflation hedges like I-Bonds and TIPS, strategies around QLACs and RMDs, tax considerations in ETFs, and where to park cash in today’s environment. Along the way, we break down emerging risks and opportunities, from private credit exposure and national debt concerns to IPO dynamics and structural market changes. If you’re trying to make sense of a market that seems disconnected from headlines while still planning for long-term outcomes, this episode connects the dots. Key topics include: 0:00 - INTRO 0:58 - Kevin Warsh & Iran Blockade 5:03 - Can Markets' Rally Be Maintained? 9:45 - I-Bonds & Tips 12:45 - QLAC's & RMD's 15:30 - What Would You Have Done Differently in Last Downturn? 17:35 - What Tax Benefits are Provided with SPYI ETF? 18:49 - NASDAQ-100 Fast Entry Rule Change 20:22 - Private Investment IPO's 22:05 - When Markets Pull Back, to what sectors will money rotate? 23:34 - What is the Private Credit Risk to Insurance Companies? 25:25 - What is the future impact of the National Debt? 28:40 - Space-X IPO 29:35 - Auto-callable Growth ETF's 36:01 - What Vehicles are Used for Cash Positions? 38:14 - Why is S&P at All-time Highs w Hormuz Strait Still Closed? ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/yFe9x3vjJn0 ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Financial Illiteracy: Too Big to Ignore" https://youtube.com/live/jAHYTG9JFDg ------- The latest installment of our new feature, Before the Bell, "Buy the Dip or Wait?" is here: https://youtu.be/70nOJWV4YDI ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #BuyTheDip #MarketOutlook #TradingStrategy #Investing #FinancialPlanning #Retirement #MarketAnalysis /episode/index/show/lancerobertsshow/id/40981375

4-22-26 Buy the Dip or Wait? | Before the Bell 04/22/2026

4-22-26 Buy the Dip or Wait? | Before the Bell Markets are set to open slightly higher, with oil prices steady and futures pointing to a modest gain. The key question: can the rally hold, or are we entering a more uneven phase? Markets remain technically overbought, which limits near-term upside and increases the likelihood of choppy, sideways movement. Recent pullbacks are not surprising and, at this stage, are more consistent with consolidation than the start of a deeper correction. Under the surface, buying pressure remains firm. Hedge funds and professional managers are increasing exposure, while retail investors are beginning to re-engage after missing the recent dip. Support levels remain intact, suggesting any downside may be limited. We are also seeing a rotation back into mega-cap and growth stocks after earlier leadership from value, signaling a potential shift in market leadership. In this type of environment, patience matters. Rather than chasing extended positions, focus on stocks and sectors that have already bottomed and are beginning to recover. Those setups may provide more attractive entry points as the market works through this phase. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/70nOJWV4YDI --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- 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 #BuyTheDip #MarketOutlook #TradingStrategy #Investing /episode/index/show/lancerobertsshow/id/40973375

4-21-26 Financial Illiteracy: Too Big to Ignore 04/21/2026

4-21-26 Financial Illiteracy: Too Big to Ignore Financial illiteracy is no longer just a personal challenge—it’s a growing national risk. With U.S. household debt exceeding $18 trillion and nearly 40% of Americans unable to cover a $400 emergency, the consequences are becoming impossible to ignore. Lance Roberts & Jon Penn break down how a lack of basic financial education is driving poor decision-making, rising debt levels, and long-term economic instability. From budgeting and credit to investing and risk management, millions are navigating an increasingly complex financial system without the tools they need. Key topics include: 0:00 - INTRO 1:18 - Market Pull Back No Surprise 7:28 - Leg Day & Italy Prep 9:45 - Financial Literacy Dearth in America 14:44 - Subscriptions & Memberships - The KISS Army 16:13 - High School & College "Stock Picking" classes 19:05 - National vs Personal Debt 20:55 - The Credit Card - Credit Score Myth 23:09 - Manifestation Practices to Better Financial Health 25:17 - Family Discussions: Money & Goals 28:07 - The Perils of Buy Now - Pay Later vs Lay-Away 30:29 - Don't Let Market Moves Scare You 31:36 - First Houses, Inspections, Mortgages, & Escrows 34:27 - The Big Push for Home Ownership - Beware! 37:22 - Trade Skills & Economics in High School 39:04 - How Banks Make Money (on You) 41:55 - how to Properly React to Markets - Rules vs Me ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jAHYTG9JFDg ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Chase or Fade the Rally? " https://youtube.com/live/Uz93eoE43pc ------- The latest installment of our new feature, Before the Bell, "Overbought Market: Wait for the Pullback" is here: https://youtu.be/hSb-tdMdmWc ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #InvestingStrategy #MarketOutlook #RiskManagement #TechnicalAnalysis #FinancialIlliteracy #PersonalFinance #DebtCrisis #MoneyManagement #EconomicRisk /episode/index/show/lancerobertsshow/id/40956285

4-21-26 Overbought Market: Wait for the Pullback | Before the Bell 04/21/2026

4-20-26 Chase or Fade the Rally? 04/20/2026

4-20-26 Chase or Fade the Rally? Markets have surged back to all-time highs—but now comes the key decision: chase the rally, or fade it? Lance Roberts breaks down whether this rally has staying power or if investors should be cautious at current levels. We analyze short covering vs. true accumulation, sector rotation, and the impact of falling oil prices and changing inflation expectations. Key topics include: 0:00 - INTRO 1:01 - April Doing What It Does Best 3:16 - The Recent Correction is Over 4:50 - Don't Chase the Rally 10:03 - Why the Market Rebound was Stronger than Expected 13:35 - Why Behavioral Investing Leads to Poor Outcomes 16:57 - Technical charting of Over Sold / Over Bought Composite 19:39 - The Fear-Greed Composite 22:02 - Everyone Has a Reason to Hate the Rally 22:58 - Testing the Negative Narratives 26:33 - Secular Bull/Bear Periods Happen - How to Prepare? 28:33 - Why Panic is a Costly Mistake 33:00 - Bearish Sentiment Remains 35:27 - Don't Bail Out of This Rally 37:24 - Seven Portfolio Actions to Take Right Now ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Uz93eoE43pc ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Your Longevity Score: Are You Ready?" https://youtube.com/live/-2PqycDpJfw ------- The latest installment of our new feature, Before the Bell, "Don’t Chase This Rally" is here: https://youtu.be/gbk9otKae2Q ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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/ #MarketOutlook #TechnicalAnalysis #PortfolioManagement #StockMarket #MarketRally #Investing #TradingStrategy #MarketOutlook /episode/index/show/lancerobertsshow/id/40942785

4-20-26 Don’t Chase This Rally | Before the Bell 04/20/2026

4-20-26 Don’t Chase This Rally | Before the Bell Markets have staged a powerful rally off the recent lows, reclaiming the 200-DMA and pushing to new highs. Historically, when markets recover that level within four weeks, forward returns tend to improve—and this time, the rebound happened in just three weeks. Momentum is strong, money flows have flipped positive, and moving averages are turning higher. So why not chase it? Because the market is now stretched. Relative strength is overbought, and prices are significantly extended above key moving averages. When markets get this far ahead of their trend, short-term pullbacks are common—even within bullish setups. Over the past two years, rallies like this have repeatedly reset back toward support before continuing higher. This doesn’t signal a major selloff. It suggests a pause or correction that creates better entry points. From a portfolio management perspective, this is a time to stay disciplined: trim profits, rebalance risk, and raise some cash. Identify positions that lagged during both the decline and the recovery, and consider reallocating. Small adjustments now can position you to take advantage of the next pullback. Patience here may offer a better opportunity to add exposure at more favorable 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://youtu.be/gbk9otKae2Q --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- 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 #Investing #MarketOutlook #TechnicalAnalysis #PortfolioManagement /episode/index/show/lancerobertsshow/id/40935170

4-17-26 Your Longevity Score: Are You Ready? 04/17/2026

4-17-26 Your Longevity Score: Are You Ready? Longevity risk is now measurable. The Longevity Preparedness Index, developed by the MIT AgeLab, scores how ready you are to live a long life. The average result is just 60 out of 100, signaling a major gap in retirement planning. Richard Rosso & Jonathan McCarty explain what drives that score, where most people fall short, and how to improve it. From Social Security timing to guaranteed income, flexible withdrawals, growth exposure, and healthcare planning, building a durable retirement plan requires multiple strategies working together. Key topics include: 0:00 - INTRO 0:19 - 8-ball Answers & Longevity Challenges 4:23 - Cap'n Crunch & Colorectal Cancer 6:27 - Longevity Preparedness Index 8:32 - Revolutionary Medical Testing 11:42 - Who Will Be Your Care Provider? 14:42 - Transition from Individualism to Collectivism w Care 17:51 - The Importance of Community: Transportation, Neighborhood 21:03 - Daily Activities & Physical Well-being 23:34 - How Do You Spend Your Days? 25:21 - Intellectually Stimulating 28:37 - How Will You Matter in Retirement? 29:38 - Finances in Retirement 32:50 - Worry About Running Out of Money in Older Age 35:05 - Knowing Where Your Money is Invested - and Why 36:35 - The Ability to Manage Day-to-Day Finances 39:35 - The Wellness Market 41:15 - AI Robots as care givers 43:38 - Moderate Physical Activity 45:09 - Is Your Home Well-prepared for Aging in Place? 48:58 - Dealing with Life Transitions 52:02 - Take Time to Reminisce 54:01 - Adapting to New Life Circumstances ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/-2PqycDpJfw ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "What Will the Fed Do Next? " https://youtube.com/live/IflJyKIbe7s ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What’s Next?" is here: https://youtu.be/ep4NAmWINYg ------- Resources Mentioned in Today's Show: https://www.johnhancock.com/ideas-insights/longevity-preparedness-index/longevity-preparedness-score.html https://www.livingto100.com/calculator ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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/ #LongevityRisk #RetirementPlanning #FinancialPlanning #MITAgeLab #WealthStrategy /episode/index/show/lancerobertsshow/id/40913005

4-16-26 What Will the Fed Do Next? 04/16/2026

4-16-26 What Will the Fed Do Next? With inflation trends shifting, economic data sending mixed signals, and markets hovering near key levels, the big question is: what will the Federal Reserve do next? Lance Roberts & Michael Lebowitz break down the Fed’s current dilemma—balancing inflation control with economic growth—and what it means for interest rates, equities, and bonds. Key topics include: 0:00 - INTRO 1:04 - Markets Hit 5th All-time High for 2026 6:48 - Markets Up 11% from Bottom 11:35 - Pollen & Taylor Sheridan 16:25 - Allbirds & AI craze 20:12 - Market Turnover Velocity & SEC "oversight" 26:57 - Market Breadth & Growth to Value Rotation 31:22 - The Fed is Stuck 36:58 - The Tailwind for Fed Rate Cuts has Increased 39:02 - The Risk of Volatility Remains 41:19 - Markets Have Priced-in Iran ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IflJyKIbe7s ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "Q&A Wednesday: Markets, Taxes, and Your Money" https://youtube.com/live/X2EdwIni6_8 ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What’s Next?" is here: https://youtu.be/ep4NAmWINYg ------- Articles Mentioned in Today's Show: "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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 #Investing #TechnicalAnalysis #SP500 #MarketTrends #FederalReserve #InterestRates #Inflation #FedPolicy /episode/index/show/lancerobertsshow/id/40898905

4-16-26 Markets Rally 11%: What’s Next? | Before the Bell 04/16/2026

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