The Real Investment Show Podcast

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

3-23-26 200-DMA Broken – Bear Market or Buy Signal? 03/23/2026

3-23-26 200-DMA Broken – Bear Market or Buy Signal? The S&P 500 just broke its 200-day moving average. Is this a bear market signal or a historic buying opportunity? The answer depends on a clear set of warning indicators – and right now, only two of six are flashing red. Lance Roberts comments in real-time as news of a delay in miliary strikes on Iran power stations affects pre-market action. Lance also breaks down every 200-DMA break since 2000, separating the seven sustained crashes from the five whipsaw recoveries. The data gap is stark: average 12-month return after a sustained break is -4.0%, versus +19.8% after a brief one. We walk through the six-factor scorecard and tell you exactly where today's break stands. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:14 - Market Volatility & End of Quarter 4:20 - Claude.AI & Tokens 6:42 - Houston Meteor 7:25 - Markets Break 200-DMA 13:54 - How Markets Work with Catalysts 18:50 - When markets Break the 200-DMA 25:13 - Paying Attention to Sentiment 27:26 - How to Differentiate between Brief vs Sustained Breaks 31:08 - What to do Next 34:18 - Why CDX Spreads Matter 39:44 - Dollar Plumbing, Gold, & Central Banks ------- Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- 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/VlxdVnhyKR4?feature=share ------- Watch our previous show, "Tax Strategies That Actually Save You Money," https://youtube.com/live/IvotNMC_fgk ------- Articles Mentioned in Today's Show: "The 200-DMA Just Broke: What Every Investor Should Know" https://realinvestmentadvice.com/resources/blog/the-200-dma-just-broke-what-every-investor-should-know/ "The Dollar’s Plumbing: Conspiracy Vs. Data" https://realinvestmentadvice.com/resources/blog/the-dollars-plumbing-conspiracy-vs-data/ "CDX: Credit Spreads Are Flashing A Warning" https://realinvestmentadvice.com/resources/blog/cdx-credit-spreads-are-flashing-a-warning/ -------- The latest installment of our new feature, Before the Bell, "Trump-Iran News Reverses Futures" is here: https://youtu.be/9qem93AR4jI ------- 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/ #PreMarket #StockMarket #200DMA #MarketAnalysis #TradingAlerts #SP500 #StockMarket #InvestingStrategy #BearMarket #TechnicalAnalysis /episode/index/show/lancerobertsshow/id/40591765

3-23-26 Trump-Iran News Reverses Futures | Before the Bell 03/23/2026

3-20-26 Tax Strategies That Actually Save You Money 03/20/2026

3-20-26 Tax Strategies That Actually Save You Money Most people think about taxes once a year. Smart investors think about them every year. Richard Rosso & Sarah Buenger break down the critical difference between tax preparation and true tax planning, and why that distinction could be worth thousands of dollars to your portfolio over time. We'll walk through real-world anonymous case studies from our client work, including how we helped one client sell nearly half of a concentrated stock position while staying entirely within the 0% capital gains bracket. We also cover Roth conversion timing, IRMAA bracket management, tax-efficient withdrawal sequencing, portfolio migration strategies, and proactive planning for stock options and restricted stock. Whether you are accumulating wealth or drawing it down, understanding how these levers work together is what separates a good financial plan from a great one. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Gilligan's Island & Taxes 2:27 - Market Commentary & Sentiment Survey 3:11 - The Fine Line Between Tax Prep vs Tax Planning 8:35 - Impact of OBBB & Rothification 10:17 - Avoid Tax Myopia 12:07 - Dealing with the Tax Torpedo 12:31 - Being Tax Flexible 14:11 - Your Tax Return is a Diagnostic Tool 17:16 - Widowed Survivors Paying Higher Taxes - Taxes are Barnacles 20:13 - The Tax System is Broken 23:07 - Stock Concentrations & Long Term Gains 25:13 - Trust Distributions & Capital Gains 26:40 Tax Brackets for Trusts 28:01 - Myriad Capital Gains Tax Rates 34:06 - Becoming IRMAA-centric 36:46 - Asset Location Strategies for Taxes 38:38 - The Mistake of "Silo-ing" Tax Advisors and Financial Advisors 41:15 - Why Avoid Gains to Avoid Taxes?? 42:58 - Why Not Take Losses Each Year? ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/IvotNMC_fgk ------- Watch our previous show, "Will The Fed Backstop Exuberance Again?," https://youtube.com/live/IbKkqWayKu8 ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Markets Flail as Rate Cut Hopes Fail" is here: https://youtu.be/IOumOUnLKpM ------- 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/ #TaxPlanning #WealthManagement #RetirementStrategy #CapitalGains #RothConversion /episode/index/show/lancerobertsshow/id/40559905

3-19-26 Will The Fed Backstop Exuberance Again? 03/19/2026

3-19-26 Will The Fed Backstop Exuberance Again? The private credit market has exploded from under $500 billion a decade ago to $1.2 trillion domestically and $1.7 trillion globally — and stress is building fast. Lance Roberts & Michael Lebowitz break down exactly what private credit is, who the major players are, and why rising credit stress could force the Federal Reserve's hand — even if inflation and unemployment don't justify it. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:02 - Cash & Girl Scout Cookies 2:40 - Meta is No More 5:30 - Markets Sell Off 12:05 - Credit Spreads Matter 12:57 - No Surprises from the Fed - They're Stuck 16:31 - The Problem with High Oil Prices 17:56 - The Fed Controls Demand 20:44 - Private Credit & The Problem w Buy-now, Pay-later 22:53 - 20-years Since Financial Crisis 24:00 - Paying Premium for Private Credit Illiquidity 26:58 - The Private Credit Bubble 29:13 - Pricing vs Valuation 34:58 - Doom & Gloom Everywhere - be careful what you read 36:17 - Contagion Risk 38:50 - Markets Are in Correction Process ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/IbKkqWayKu8 ------- Watch our previous show, "Q&A Wednesday: Open Season," https://youtube.com/live/Le3ZhnFfTqk ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Markets Flail as Rate Cut Hopes Fail" is here: https://youtu.be/IOumOUnLKpM ------- 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/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy #PrivateCredit #FederalReserve #CreditMarkets #MacroInvesting #FinancialStability /episode/index/show/lancerobertsshow/id/40545505

3-19-26 Markets Flail as Rate Cut Hopes Fail | Before the Bell 03/19/2026

3-18-26 Q&A Wednesday: Open Season 03/18/2026

3-18-26 Q&A Wednesday: Open Season Lance Roberts & Danny Ratliff break down the most pressing financial topics shaping markets and personal finance decisions right now. We open with an analysis of current selling pressure and what it signals for equity markets, then dive deep into why credit spreads deserve your attention as a leading indicator of risk. We make the case for why waiting for S&P 6,900 could cost you opportunity, and offer a teaser on the growing private credit space. From there, we tackle real estate investment trusts and AG&C — examining whether current valuations finally make them worth buying. We discuss disciplined profit-taking strategies, the relationship between oil prices and airline ticket costs, and identify which companies are most likely to mishandle AI implementation and what that means for investors. On the retirement and income planning side, we cover home equity conversion mortgages and reverse mortgages, annuities with long-term care riders, and whether private equity offerings inside 401(k) plans make sense for individual investors. We also examine target date funds and how they fit into a broader retirement strategy. We round out the episode with a discussion of GDP calculation methodology, asset tokenization and stablecoins, hedging techniques for isolating individual stock exposure, and key lessons from William Bernstein's philosophy on knowing when to stop taking risk. We close with a framework for balancing active versus passive investing, risk management principles, and a look at the three high-quality stocks Charlie Munger consistently championed. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:59 - Selling Pressure Remains 2:57 - Pay Attention to Credit Spreads 5:21 - Don't Wait for 6,900 11:46 - Private Credit Teaser 13:07 - Thoughts on REIT's & AG&C: Is it Time to Buy? 15:12 - What is Your Method for Taking Profits? 19:15 - The Price of Oil & Airline Tickets 22:49 - Which Companies Will Screw Up AI Implementation? 26:42 - Home Equity Conversions - Reverse Mortgages 29:59 - Annuities w LTC Riders 31:29 - How is GDP Calculated? 32:40 - Asset Tokenization & StableCoin 34:36 - Isolating Stocks by Hedging 35:35 - William Bernstein - Quit Playing 38:52 - Active vs Passive Investing & Risk Management 42:42 - Charlie Munger's 3 High-quality Stocks 46:28 - Are Target Date Funds a Good Option? 47:17 - Private Equity Offerings in 401k? ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "Fixing Your Broken Emergency Fund," https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Rebalance Now Before the Rally Fades" is here: https://youtu.be/yAmYkDUWWW4 ------- 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/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy #InvestingStrategy #RetirementPlanning #MarketOutlook #PersonalFinance #WealthManagement /episode/index/show/lancerobertsshow/id/40526180

3-18-26 Rebalance Now Before the Rally Fades | Before the Bell 03/18/2026

3-17-26 Fixing Your Broken Emergency Fund 03/17/2026

3-17-26 Fixing Your Broken Emergency Fund Is your financial plan built to survive a market crash — or a $5,000 emergency? Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals. Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Q4 GDP Weaker Than Expected: Implications 5:38 - Markets Bounce off 200-DMA 11:04 - Achieving Financial Independence - How You Know You've Made It 14:46 - Retirement Accounts' Intended Use vs New Rules 17:37 - 401k Plan Access vs Participation 20:39 - The High Cost of Eating Out 22:41 - Comparative High Costs of Hamburgers 24:26 - Market Moves - Price of Admission 26:15 - Creating Financial Cushions & Structuring Savings 30:21 - T-Bills & Bonds in the Savings Mix 34:10 - Volatility is Not Your Friend in Emergency Accounts 36:04 - Rice & Beans to Get Rid of Debt 37:58 - Channeling Dave Ramsey 42:00 - The Process of Getting Out of Debt 45:05 - Getting Fee'd to Death 48:27 - E-Book Tease - Ten Laws of Wealth & Money ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/3x6MbhEYpcU?feature=share ------- Watch our previous show, "Oil Shock - Markets Reprice Risk," https://youtube.com/live/pU0TuFA1CWE ------- Articles Mentioned in Today's Show: "Treasury Bond Yields Don’t Lie: But Wars Don’t Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ "Financial Nihilism & The Trap Young Investors Are Walking Into" https://realinvestmentadvice.com/resources/blog/financial-nihilism-the-trap-young-investors-are-walking-into/ -------- The latest installment of our new feature, Before the Bell, "Market Bounces Off 200-DMA — Rally or Trap?" is here: https://youtu.be/9wZsz-bOiUY ------- 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/ #PreMarket #StockMarketAnalysis #200DMA #MarketOutlook #TradingStrategy #PersonalFinance #RetirementPlanning #401k #EmergencyFund #FinancialResilience #DaveRamsey #FinancialNihilism /episode/index/show/lancerobertsshow/id/40513615

3-17-26 Market Bounces Off 200-DMA — Rally or Trap? | Before the Bell 03/17/2026

3-16-26 Oil Shock - Markets Reprice Risk 03/16/2026

3-16-26 Oil Shock - Markets Reprice Risk Oil volatility is shaking global markets after disruptions in the Strait of Hormuz triggered the largest modern oil supply shock. Crude briefly surged above $100 as geopolitical tensions escalated, sending volatility across equities, credit, and currencies. Lance Roberts discusses oil volatility, market technicals, private credit stress, and the key risks investors should be watching next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:59 - Weekend Article Recap; Q4 GDP Revision 5:11 - Market Performance in First Half of March 8:43 - Oil Price Behaviors 12:18 - Lance's Getaway Report & Adulting is Hard 14:55 - Grooming Jon Penn & Lance's Big Surprise 16:36 - Oil Volatility & Market Impact 20:25 - Oil Volatility & Equity Volatility 23:36 -What is Sustainability of High Oil Prices? 27:24 - Three Market Scenarios 29:06 - What Happens to Valuations? 30:55 - Rick to Markets Ends w Buying Opportunity 35:12 - What War Does to Treasury Yields 40:10 - A History of Bond Yields, 1965 - 2026 43:45 - How to Think About Bonds ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/pU0TuFA1CWE ------- Watch our previous show, "The Psychology of Spending in Retirement," https://youtube.com/live/0J1dQZvIQrQ ------- Articles Mentioned in Today's Show: "Oil Volatility And The Market Impact" https://realinvestmentadvice.com/resources/blog/crude-oil-volatility-and-the-market-impact/ "Treasury Bond Yields Don’t Lie: But Wars Don’t Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ -------- The latest installment of our new feature, Before the Bell, "Oil Spike, Oversold Markets, & The 200-DMA Test," is here: https://youtu.be/5fEaWyoafks ------- 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/ #OilPrices #StockMarket #MarketVolatility #FederalReserve #Investing #SP500 #MarketOutlook #InvestingStrategy #BondYield #IranWar /episode/index/show/lancerobertsshow/id/40500290

3-16-26 Oil Spike, Oversold Markets, & The 200-DMA Test | Before the Bell 03/16/2026

3-13-26 The Psychology of Spending in Retirement 03/13/2026

3-13-26 The Psychology of Spending in Retirement Retirement income planning isn’t just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Turmoil in Markets & The Math of Retirement 6:28 - Retirees Chronically Under-spend 9:42 - Longevity Risk & LTC 11:21 - Looking at Guardrails & Switching Lanes in Retirement 14:20 - Not much is working - doing mental accounting 17:24 - Legacy vs Consumption conflict 20:20 - Healthcare Uncertainty & Insurance 24:17 - Candid Coffee Preview 29:15 - Tax Strategies for Retirement 32:29 - Accumulation vs De-cumulation planning 34:21 - What Will You Do IN Retirement 38:45 - What % of Working-Age Income is Used in Retirement 43:05 - Johnny Cash in Nickajack Cave ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/0J1dQZvIQrQ ------- Watch our previous show, "The “Value Rotation” Illusion," https://youtube.com/live/jW9UWP7WdZY?feature=share ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #RetirementPlanning #RetirementIncome #BehavioralFinance #FinancialPlanning #InvestorPsychology /episode/index/show/lancerobertsshow/id/40430670

3-12-26 The “Value Rotation” Illusion 03/12/2026

3-12-26 The “Value Rotation” Illusion The market narrative says investors are rotating out of expensive growth stocks and into cheaper value stocks. But is that actually happening? Jon Penn and Michael Lebowitz explain how today’s passive investing landscape can distort traditional definitions of value and growth. ETF flows and index-driven allocations often send capital into the largest and most popular companies, regardless of valuation. Using our three-tier valuation framework—past earnings, forward earnings, and growth-adjusted valuations—we show how investors can better separate stocks that simply look cheap from those that may represent genuine value. We also discuss why traditional screens like low P/E ratios can lead investors into value traps, and how market narratives, psychology, and passive flows can create large valuation gaps across sectors and companies. Understanding the difference between perceived value and true value is critical in today’s market environment. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Before the Bell - Markets Making Lower Highs and Lower Lows 2:56 - Dealing with Trapped Longs 5:32 - Negative Divergences Send Warnings 7:35 - Our Strategies Now 11:26 - The Price of Oil & U.S. Dollar 13:52 - Impact of Dollar on Gold, Silver, Precious Metals 17:41 - The Momentum Chase 18:25 - $200 Crude & Futures Markets 22:15 - Crude Oil & Gasoline Futures curves 25:24 - CPI vs Core CPI & The Fed 30:32 - Jerome Powell, Kevin Warsh, & Fed Stance 33:22 - The Value Rotation Illusion 35:51 - What is Value? 38:55 - How Airlines Really Make Money 41:40 - Market Commentary & Blog posting ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/jW9UWP7WdZY ------- Watch our previous show, "Q&A Day: Technical Breakdown in the S&P 500: What Comes Next?" here: https://youtube.com/live/B2diF0UUrjs ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #ValueInvesting #StockMarket #PassiveInvesting #MarketAnalysis #InvestorEducation /episode/index/show/lancerobertsshow/id/40412160

3-11-26 Q&A Day: Technical Breakdown in the S&P 500: What Comes Next? 03/11/2026

3-11-26 Q&A Day: Technical Breakdown in the S&P 500: What Comes Next? Jon Penn & Devoda Owens cover key financial planning and market topics affecting investors and retirees, beginning with market commentary on the Iran campaign and geopolitical risk, and what it could mean for energy prices, inflation expectations, and market volatility. Jon & Devoda also discuss Social Security depletion projections, how investors should think about benchmarking portfolios, and the key considerations around when to claim Social Security benefits. Additional planning topics include estate planning when remarrying, insurance and long-term care strategies, preparing for healthcare inflation, and the role of life insurance and umbrella coverage in protecting assets. We examine the recent value rotation narrative in markets and preview the upcoming CPI report and its potential implications for inflation and interest rates. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Introducing Devoda Owens, CFP 4:55 - Market Commentary - Iran Campaign 8:42 - Social Security Depletion & Comparing Benchmarks 14:08 - When to Take SS? 19:53 - Estate Planning and Re-marriage 27:56 - Value Rotation Illusion 31:13 - Insurance Planning & Long Term Care 37:48 - Planning for Healthcare Inflation 41:57 - Life Insurance & Umbrella Coverage 46:17 - CPI Preview ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/B2diF0UUrjs ------- Watch our previous show, "The Benefits Talk Every Business Owner Needs," here: https://youtube.com/live/p6Fp1bhtsDE ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #FinancialPlanning #SocialSecurity #RetirementPlanning #MarketOutlook #InvestmentStrategy /episode/index/show/lancerobertsshow/id/40397555

3-10-26 The Benefits Talk Every Business Owner Needs 03/10/2026

3-10-26 The Benefits Talk Every Business Owner Needs Consider this the money talk your Dad would have given you if he knew everything about running a business. Jon Penn and Tom Allen provide straight-talking advice, walking you through exactly how to build a benefits and retirement strategy that works for you AND your employees. No jargon. No sales pitch. Just the kind of honest, experienced advice two dads would give their own kids sitting across the kitchen table. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Retirement Plan Consultant, Tom Allen Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:21 - Two Dads & Tom's Kids 2:27 - Market Commentary - Technical Deterioration 12:14 - What to Do in Times Like These 17:00 - Benefits Planning for Business Owners 21:24 - What is the long-term vs near-term vision? 25:27 - Retirement Plan Structure 28:17 - Starting Things Off... 31:06 - How to Fix/Correct Mistakes 34:13 - Educating About Retirement Plans 38:00 - Common Employee Questions & Portability 39:03 - Compensation for Key Employees 41:16 - Dealing with 12% Healthcare Inflation 42:43 - Defining BUCA ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #TwoDadsOnMoney #BusinessOwnerFinance #RetirementPlanning #EmployeeBenefits #SmallBusinessWealth /episode/index/show/lancerobertsshow/id/40384460

3-9-26 IRA's - The Ticking Tax Bomb 03/09/2026

3-9-26 IRA's - The Ticking Tax Bomb Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer /episode/index/show/lancerobertsshow/id/40366410

3-6-26 Diversification Is Not Risk Management 03/06/2026

3-6-26 Diversification Is Not Risk Management Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- 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/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement /episode/index/show/lancerobertsshow/id/40342605

3-5-26 Passive Aggressive Market: Bogle's Warning Came True 03/05/2026

3-5-26 Passive Aggressive Market: Bogle's Warning Came True Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed in a Box 14:14 - What's Going to Happen to Yields? 15:38 - Risk Management Matters 16:59 - Narratives Work Both Ways 20:28 - Cheerios & Lucky Charms' 21:59 - Passive-Aggressive Markets 25:17 - The Rotation of Assets 29:34 - Taking Stock of Volatility 33:01 - Retail Investors are Trading the Market 34:07 - Options Trading - Much more speculative 39:49 - Fixed Income, Bonds, & Yields ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jbpipFjnakQ ------- Watch our previous show, "Q & A Wednesday: Ask Us Anything," here: https://youtube.com/live/uFdhcR6QBKI -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle /episode/index/show/lancerobertsshow/id/40327885

3-5-26 Markets Reclaim 100-DMA | Before the Bell 03/05/2026

3-4-26 Q & A Wednesday: Ask Us Anything 03/04/2026

3-4-26 Q & A Wednesday: Ask Us Anything Are you watching the market and wondering what's really going on? Lance Roberts & Danny Ratliff dive straight into YOUR questions — pulled live from the chat — covering the stock market outlook, what sectors to watch, and how investors should be positioning right now. No fluff, no filler — just real talk about where the market's heading and what it means for YOUR portfolio. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:04 - Iran Air Force & War Impact on Oil 5:21 - This is a Good Time to Wait and See 10:51 - Two Moms on Money? 11:44 - Where will DXY g\o amid current conflict? 13:03 - Managing Risk in Chinese Tech Stocks 17:58 - Relative Risks of AAA-rated CLO's 20:54 - "Dumbing-down" the Private Credit Crisis 30:56 - Lasting Impacts on Commercial Real Estate 33:24 - Why the Downturn in Asian Markets? 34:27 - Financial Health of Open AI & Circular Financing 36:35 - Equity Income/Tax-advantaged ETF's 40:59 - Systematic Trading, Trend Following, & Tax Efficiencies 43:09 - Plunge Protection Team = Retail Traders 44:35 - Coming Attractions ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/uFdhcR6QBKI ------- Watch our previous show, "Ten Immutable Laws of Money," here: https://youtube.com/live/Il8UfCCn0tE?feature=share -------- The latest installment of our new feature, Before the Bell, "D100-DMA: Hold or Fold? What Happens Today Changes Everything," is here: https://youtu.be/c7jD-q6_mY8 ------- 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/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook #StockMarket #InvestingTips #MarketOutlook #StockMarketToday #InvestSmart /episode/index/show/lancerobertsshow/id/40312980

3-4-26 100-DMA: Hold or Fold? What Happens Today Changes Everything | Before the Bell 03/04/2026

3-3-26 Ten Immutable Laws of Money 03/03/2026

3-3-26 Ten Immutable Laws of Money Most people will never build wealth — not because of the economy, but because no one taught them the rules. Lance Roberts & Jonathan Penn break down the 10 Immutable Laws of Money — time-tested principles that have worked for generations, regardless of your income, age, or background. From budgeting basics and crushing debt to understanding why millionaires live more modestly than you think, these laws are the foundation of lasting financial success. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:04 - What Else is Going On Besides Iran? 10:11 - VIX is Rising as Markets Fall 14:38 - Spring Break & Adulting 15:23 - The Laws of Money 18:28 - Hard to Break Habits 19:46 - The Secret to Wealth 22:00 - Why We Invest 23:14 - Money Doesn't Grow on Trees 28:39 - Wants vs Needs 31:27 - Your life is Worth 80% 35:30 - Poor People are Debtors (You DO NOT need a Credit Card) 40:50 - Moral & Physical Hazards 43:15 - The Best Things in Life ARE Free 46:49 - Money Can't Buy Happiness... 53:22 - The Thing About Girl Scout Cookies ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Il8UfCCn0tE?feature=share ------- Watch our previous show, "Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore," here: https://youtube.com/live/m3M6saceH5g?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Surges, Markets Fall" is here: https://youtu.be/5Z7fb273clY ------- 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/ #PreMarket #StockMarketToday #MarketVolatility #DollarRally #TradingStrategy #PersonalFinance #WealthBuilding #MoneyTips #DebtFreeJourney #FinancialFreedom /episode/index/show/lancerobertsshow/id/40302690

3-2-26 Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore 03/02/2026

3-2-26 Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore Is the stock market topping — or just catching its breath? This week, equity markets face a triple threat: an Iranian strike rattling geopolitical risk assets, an Anthropic AI capability announcement that hammered IBM, CrowdStrike, financials, and SaaS stocks, and a technical picture showing the S&P 500 slipping below both its 20- and 50-day moving averages. Lance Roberts breaks down the bull and bear case in full. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:05 - Market Over Reaction to Iran Hits? 6:54 - The Potential for Building a Market Topping 13:27 - Impact of Oil Prices on Inflation 18:11 - The Energy Stocks Heat Map 20:40 - The Iran Situation 23:03 - Gauging the Risk 24:56 - The Bearish Scenario 29:23 - The Bullish Scenario 37:04 - What We're Doing Now 39:08 - Be Cautious With Positioning 42:12 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/m3M6saceH5g?feature=share ------- Watch our previous show, "Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets" here: https://youtube.com/live/dO3QPhf0rEs?feature=share -------- The latest installment of our new feature, Before the Bell, "Will Markets Hold 100-DMA?" is here: https://youtu.be/h0iV2DpbEq4 ------- 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/ #PreMarket #StockMarketToday #MarketAnalysis #CrudeOil #BondMarket #StockMarket2026 #MarketTop #SP500Analysis #IranGeopolitics #AIStocks /episode/index/show/lancerobertsshow/id/40282125

3-2-26 Will Markets Hold 100-DMA? | Before the Bell 03/02/2026

2-27-26 Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets 02/27/2026

2-27-26 Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- 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/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits /episode/index/show/lancerobertsshow/id/40253210

2-26-26 Software Stocks: Steal or Zero? 02/26/2026

2-26-26 Software Stocks: Steal or Zero? Is AI killing software stocks — or creating the buying opportunity of the decade? Lance Roberts & Michael Lebowitz review: Since peaking in September 2025, the software ETF (IGV) has crashed 30% while semiconductors (SMH) surged 30% and broad tech stayed flat. The market is pricing in a "SaaSpocalypse" — the idea that generative AI will make traditional SaaS companies obsolete. But is that narrative right? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:49 - National Chili Day & Demise of Whataburger 3:04 - Nvidia & SalesForce Report 7:25 - Markets Are "Stable" 12:17 - Blizzards & Chili 13:21 - The Incredible Nvidia Numbers 15:37 - The Lack of Market Reaction to Nvidia Report 17:02 - Where Will the Capital Come From? 23:22 - Why the Market Isn't Enthusiastic (about Nvidia) 24:30 - SalesForce & The Software Apocalypse 30:15 - Who Will Survive? 33:13 - Will AI Create a New Spreadsheet 36:19 - Tariffs: Old vs New: Markets Are Calm 40:49 - Betting on Tariff Refunds? ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6DavZVDY7OQ ------- Articles Mentioned in Today's Show: "Software Stocks: Navigating The SaaSpocalypse" https://realinvestmentadvice.com/resources/blog/software-stocks-navigating-the-saaspocalypse/ ------- Watch our previous show, "Q & A Wednesday: Straight Talk About Your Money" here: https://youtube.com/live/oW7OkyOvYC4 -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- 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 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything /episode/index/show/lancerobertsshow/id/40243195

2-26-26 Markets Reclaim Key Moving Averages | Before the Bell 02/26/2026

2-25-26 Q & A Wednesday: Straight Talk About Your Money 02/25/2026

2-25-26 Q & A Wednesday: Straight Talk About Your Money Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the “why” behind common financial rules of thumb—what holds up, what doesn’t, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- 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 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything /episode/index/show/lancerobertsshow/id/40230890

2-25-26 100-DMA Support at Risk | Before the Bell 02/25/2026

2-24-26 Stop Chasing 2026 Returns 02/24/2026

2-24-26 Stop Chasing 2026 Returns Most investors don’t realize how quickly a good plan can get derailed by one bad question: “What will your investments return this year?” Lance Roberts and Jonathan Penn break down why asking an advisor for short-term performance predictions is usually the wrong framework—especially when comparisons start with “Can you beat Treasuries this year?” Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:50 - E-books & Economic Data 2:53 - Will AI Lead to Next Period of Financial Instability? 5:33 - Market Fails at 20- 50-DMA 11:10 - Chasing Returns in 2026 12:31 - Index's Substitution Effect 16:39 - What About the Flat Market? 19:20 - Where Returns Come From... 23:07 - Generating 6% Return w Bonds Only? 27:38 - Making Money vs Keeping It 29:05 - Money is Emotional 30:43 - What Do You Do w Your $1Million? 34:17 - Markets Have Been Easy 35:46 - Markets' Extreme Deviations 40:50 - Mistakes In Chasing Benchmarks 43:24 - Why Root for Economic Failure? 45:22 - Set a Goal & Manage Risk ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iN9Pv2Thvbo ------- Watch our previous show, "Is China Really Dumping U.S. Treasuries?," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test: 5% Pullback Risk Rising," is here: https://youtu.be/FfqIQklIxcc ------- 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 #MarketOutlook #Investing #RiskManagement #FinancialPlanning #InvestingEducation #BehavioralFinance #RiskManagement #WealthProtection /episode/index/show/lancerobertsshow/id/40217280

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