Lia Holmgren, a former psychotherapist turned full-time stocks trader and trading coach, joins the podcast to discuss the trading mindset. As a stock trading coach she shares how her background helps traders manage discipline, risk, and emotional control. Lia details her approach to options trading, preferring long-term leaps on high-quality stocks and selling covered calls for additional income, while stressing the importance of position sizing and risk management. Learn how you can trade more successfully and without emotion as today we discuss... 

• Lia Holmgren shares her background, originally from former Czechoslovakia, now a full-time stocks and options trader with a past in psychotherapy.
• She explains how her upbringing instilled strong financial habits, leading her to explore investing and later trading.
• Lia works with traders as a performance coach, helping them manage emotions, risk, and discipline.
• She observes that fewer women enter trading due to natural risk aversion and societal influences but notes a growing interest among women in financial education.
• One of the biggest issues Lia sees in traders is poor risk management and misunderstanding risk-to-reward ratios.
• She teaches a simple risk management formula that she believes is life-changing for retail traders.
• Institutional traders often struggle with ego and emotional challenges, especially during losing years.
• Lia explains her position sizing approach, typically risking no more than 1% of her account per trade.
• How traders need to focus less on being right and more on maximizing profits while controlling losses.
• Lia holds about 20 individual stocks, adjusting the portfolio periodically.
• Taxes play a role in trading decisions, but delaying exits for tax reasons can backfire.
• How she prefers selling options over buying, particularly for short-term plays in high-volatility stocks.
• 2025 is expected to bring market volatility and choppiness, making swing trading more challenging.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Douglas Heagren | Pro College Planners
• Jeff Hulett | Finance Revamp

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For more information, visit the show notes at https://moneytreepodcast.com/trading-mindset-lia-holmgren-696 

We are back in the middle of housing bubble 2.0. Today we cover recent market corrections, investor psychology, and the importance of perspective when managing investments. We talk recent market downturns and real estate. Including the concerns over rising FHA mortgage defaults, government intervention artificially propping up housing prices, and the potential for a significant correction if foreclosure backlogs are released into the market. 

We discuss...

• The U.S. stock market recently declined about 10%, marking an official correction and triggering investor anxiety.
• Many investors struggle with perspective, reacting emotionally to short-term losses rather than focusing on long-term strategy.
• U.S. markets have outperformed international markets for the last 20 years, but history suggests this trend may reverse.
• A 30-40% market correction would simply bring valuations back to historical norms, not signal economic collapse.
• Financial success means little if it comes at the cost of personal well-being, stress, or strained relationships.
• Ray Dalio’s phrase "cash is trash" is context-dependent, as cash can be a valuable asset in volatile markets.
• Holding cash during downturns can significantly improve investment positioning when markets recover.
• The housing market faces risks due to a high FHA mortgage default rate, currently at 14%, one of the highest in history.
• Government intervention has kept foreclosures from hitting the market, potentially propping up home prices artificially.
• An estimated 400,000 foreclosures are backlogged due to government support, posing a risk if policies change.
• If government mortgage relief ends, housing inventory could rise sharply, leading to potential price corrections.
• Media outlets prioritize sensationalism over useful financial insights, making independent research critical.
• The economy remains fragile, and regardless of leadership, structural issues could lead to economic challenges.
• A correction in housing prices could trigger more foreclosures and increase rental market pressure.
• Cryptocurrencies like Bitcoin and Ethereum remain volatile but are still significantly up from past lows.
• Investors must adapt to bear markets, as different strategies are required compared to bull markets.
• Real estate affordability issues stem from government intervention and prolonged cheap credit policies.
• If housing supply increases rapidly, sellers could panic, leading to a sharper market decline.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/housing-bubble-2-0-695 

Graham Day joins us to talk about the best EFT diversification you can have in your investment portfolio. Graham shares his experience in the ETF world, from his start at PowerShares in 2008 to co-founding Innovator ETFs in 2017.

Innovator introduced defined outcome ETFs, giving investors structured returns with protection against losses that were once only for the rich or through pricey products. They developed buffer ETFs, which limit potential gains but provide set protection against downturns, helping manage risk while keeping investments easy to sell and tax-friendly.

The conversation looks at how these ETFs stack up against traditional financial products, their use in managing investment portfolios, and more.

Today we discuss...

• Graham Day shares his background in ETFs, starting at PowerShares and later co-founding Innovator.
• Innovator aims to make structured investment strategies more accessible through ETFs.
• Defined outcome ETFs provide equity market exposure with downside protection.
• Buffer ETFs rebalance annually without creating taxable events.
  Innovator also offers accelerated ETFs, which provide leveraged upside with downside limits.
• Simplicity is key—structured products are often complex and difficult for advisors and clients to understand.
• Innovator ETFs aim to provide strategic, risk-managed solutions that fit into modern portfolios.
• Many advisors have used buffer ETFs as a bond alternative due to known downside protection.
• Buffer ETFs performed well compared to both bonds and stocks in recent years.
• Active management underperforms long-term, with 95% of managers lagging the S&P 500 over a decade.
• Investors often underperform the market due to poor timing and emotional decision-making.
• Buffer ETFs help investors stay invested by reducing the fear of market downturns.
• Some investors allocate 20-25% of portfolios to buffer ETFs for meaningful impact.
• Market predictions are unreliable, making defined-outcome strategies appealing.
• Innovator aims to provide certainty in an uncertain investing environment.

For more information, visit the show notes at https://moneytreepodcast.com/best-eft-diversification-graham-day-686 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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Dive into the world of investing in EFTs as we're joined by Bruce Bond, a seasoned expert who's been around the block in the industry. Bruce brings a wealth of experience, having started from the ground up, selling bonds and eventually venturing into the world of ETFs. From his early days at PowerShares to his current gig at Innovator Capital Management, Bruce has seen it all and has some fascinating stories to share. We'll be tracing Bruce's journey through the financial landscape, from the highs of launching innovative ETFs to the challenges of navigating market turbulence. 

Plus, we'll dig into the nitty-gritty of financial innovation, chatting about how ETFs have revolutionized investing and exploring new strategies to tackle today's unpredictable markets. So, buckle up as we embark on this enlightening conversation and uncover the secrets to thriving in today's ever-changing financial world! Today we discuss: 

• Bruce's journey from bond sales to founding PowerShares and Innovator Capital Management
• The evolution of financial products, particularly the rise of thematic ETFs
• Advantages of ETFs over traditional investment vehicles for investors
• Innovative strategies to navigate market volatility and uncertainty
• Bruce's insights into the future of finance and investment trends
• The role of technology in shaping the future of financial services
• Opportunities and challenges in today's dynamic market environment
• Bruce's vision for the future of Innovator Capital Management and its impact on investors

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-efts-bruce-bond-396

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management
• Tim Baker | Metric Fin

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The market's going up and someone has to be to blame! This week we help you understanding the complex forces driving the market highs in 2024. We delve into the trends of the market and various forces at play, seeking to provide listeners with a deeper understanding of the market dynamics. In this episode, we discuss: 

• Fragility, resilience, and anti-fragility are concepts discussed in various contexts.
• Efficiency-focused systems can become fragile and vulnerable to unforeseen events.
• Fragility occurs when short-term risk elimination increases long-term vulnerabilities.
• Resilience entails fortifying oneself against adversity, preparing for challenging times.
• Diversification in investment portfolios is vital for resilience, mitigating risks from asset overexposure.
• Understanding investments and avoiding overly risky portfolios ensures long-term financial stability.
• Rising interest rates and inflation pose concerns for investors, impacting the economy and personal finances.
• How you can have a more balanced perspective on the market and the current state of political opinions.
• Managing debt, especially credit card debt, is crucial as rising interest rates may strain finances further.

For more information, visit the show notes at https://moneytreepodcast.com/market-going-up-595

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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Jordan Berry went from being a pastor to striking gold investing in laundromats. His journey's a rollercoaster, from dreaming of Hawaii to diving into the world of laundry. Jordan shares the highs and lows, from snagging laundromats to facing unexpected hurdles. 

We'll talk about why he made the leap, the perks of laundromat life, and his tips for budding entrepreneurs. 

Plus, Jordan dishes on what's shaking up the laundry business and where it's headed. 

Get ready for a lively chat on thriving in the world of laundromat entrepreneurship as we talk with Jordan Berry about: 

• The transition from pastoral vocation to laundromat entrepreneurship
• The allure of passive income and financial freedom in the laundromat industry
• Navigating the complexities of acquiring and managing laundromats
• Overcoming setbacks and failures on the entrepreneurial journey
• Emerging trends and innovative strategies in the laundromat industry
• Practical advice and resources for aspiring laundromat entrepreneurs
• The future of the laundromat business and its potential for growth and profitability
• Jordan's vision for the future of laundromat entrepreneurship and its impact on aspiring entrepreneurs

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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Another week in the markets and the idea of a potential civil war and the stock market. 

• Another eventful week in the markets, with little significant change. Why so quiet?
• Discussion revolves around the recent Fed meeting and its implications.
• Market analysts scrutinize minor adjustments in the Fed's statement for deeper meaning.
• Understanding market reactions is crucial for informed investment decisions.
• Market trends reflect the collective actions and sentiments of millions of investors.
• Investing strategies should consider how news aligns with market expectations and reactions.
• Media sensationalism and fear-mongering can distort perceptions of market realities. Tune out the noise.
• Long-term market direction tends to be upward, despite short-term fluctuations.
• Maintaining a rational perspective and avoiding emotional responses is crucial for successful investing.
• Why civil war is NOT a possibility in the U.S... Yet if you watch your favorite news station it feels like it is. We discuss how to square that circle.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/civil-war-and-the-stock-market-593

I'm thrilled to host Yossi Sheffi, a distinguished professor at MIT known for his expertise in supply chain dynamics. Today, we're diving into the disruptions experienced by supply chains during the pandemic.

Professor Sheffi's insights will shed light on the root causes and strategies for resilience. Join us as we explore the impacts on global economies and industries, and uncover valuable insights for navigating future challenges.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

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This week we discuss all sorts of great topics such as where to find great opportunities in an expensive market. Why everyone is bearish. And most important, why it pays to be a bull.

We're diving into the world of current stock market opportunities and where you can look for them. We'll be discussing where to find great opportunities despite the high market prices, exploring the reasons behind the prevailing bearish sentiment, and highlighting the benefits of maintaining an optimistic outlook, even during challenging times.

Key Takeaways: 

• The stock market remains robust despite minor fluctuations.
• Triple witching is often overhyped and not a significant concern for most investors.
• Bitcoin may experience short-term fluctuations, but its long-term growth trajectory has been substantial, especially with the introduction of ETFs.
• Liquidity, expense ratios, and trading options are crucial considerations when choosing ETFs.
• Critical thinking is essential when consuming financial news.
• Monitoring various market trends can uncover investment opportunities.
• Reflecting on missed opportunities is essential for refining investment strategies.
• Focusing on fundamentals rather than short-term market noise leads to more successful investment outcomes over time.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/stock-market-opportunities-591

This week we have Doomberg join us, the prolific writer behind the Doomberg Substack, a renowned for insightful commentary and analysis on global energy dynamics and the current energy crisis under the surface.

Doomberg's expertise delves deep into the complexities of the energy sector, exploring the intricate intersections of geopolitics, technology, and sustainability. We discuss the latest trends, challenges, and opportunities shaping the future of energy.

For more information, visit the show notes at https://moneytreepodcast.com/the-energy-crisis-doomberg-592

Today's Panelists:

• Megan Gorman | The Wealth Intersection
• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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Join us to see what happened this week causing a rocket ship ride higher in many assets. crypto, gold, US stocks, international stocks, Japan, and more.

Also we discuss the state of the union address, Stanley Druckenmiller, chart crimes and more. This is a fun week with lots of mini rants about the markets.

We also take a listener comment tear it apart and show you why he is correct.

For more information, visit the show notes at https://moneytreepodcast.com/something-happened-in-the-market-589 

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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I'm thrilled about today's discussion, Water Investment Opportunities, because we have the privilege of hosting Riggs Eckelberry, a seasoned expert whose upbringing as a corporate guy provided him with a unique, global perspective on the world. Together, we're embarking on a deep dive into the events unfolding in 2024, particularly honing in on the looming presidential election and its potential reverberations across the markets. 

Our conversation promises to traverse a multitude of topics, from dissecting foreign policy nuances to unraveling the complexities of global trade dynamics. 

Additionally, we'll delve into the buzzing phenomenon of deglobalization, exploring its far-reaching implications for economies and investors alike. So, without further ado, let's immerse ourselves in this dialogue and uncover the insights that lie ahead!

For more information, visit the show notes at https://moneytreepodcast.com/water-investment-opportunities-riggs-eckelberry-588

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

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Why is a raven like a writing desk? I still cannot answer that question. But Japan, Reddit and the moon are all related. Japan recently hit all time highs in the stock market, the moon was conquered by a private company and Reddit will IPO soon. Oh and I forgot about crypto which is also going to be on the moon soon if the price goes any higher.

We have another fun episode with Kirk and Phil talking about Phil's experience as an analyst and why Cisco and Chesapeake Energy stopped talking to him after he spilled the beans. Join us for another live episode

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-japan-587 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss |  Apprise Wealth Management

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There a problem with the post election tariffs! Today we talk about all the breaking political developments following Trump's election, his rapid use of executive orders and his quick use of tariffs. We have cautious optimism about some policies, but there is still always potential risks, with inflation and interest rates. We also challenge the common belief that homeownership is always an investment. Maybe there's something else that works for you. 

Today we discuss...

• How Trump's election has led to rapid political changes, with new developments emerging daily.
• Media on both sides is seen as biased, and people should think critically instead of relying on propaganda.
• The speaker is cautiously optimistic about Trump's direction, particularly regarding the economy.
• Some of Trump’s policies, like lowering interest rates and tariffs, could contribute to inflation.
• A discussion on real estate framed a home as a personal expense rather than an investment, challenging common narratives.
• High property prices in some areas make renting more financially sound than buying, contrary to common beliefs.
• Cutting government spending, a key Trump priority, could have significant economic impacts, especially in Washington, D.C.
• Not investing in D.C. real estate due to potential government downsizing.
• High housing costs are forcing younger buyers to relocate farther from cities.
• Changing living patterns, similar to COVID-era shifts, are reshaping communities and work arrangements.
• Remote work continues to impact commercial real estate as people settle into new locations.
• Many Americans now struggle to afford a mortgage on a standard 9-to-5 job.
• Housing affordability varies widely, with some states requiring nearly a full month's wages just for mortgage payments.
• Burnout is highest in industries involving manual labor and customer service, with healthcare being particularly affected.
• Economic frustration is driving shifts in political sentiment, as many voters seek disruption to the status quo.
• Global markets are performing well despite U.S. concerns, with China and Europe showing strong gains.
• Diversification remains key for investors, as even experienced professionals struggle to consistently pick winners.
• The top 1% of Americans now control 30.8% of total U.S. net worth, up from 22.8% in 1989.
• A recent poll shows mixed opinions on tariffs, with 47% supporting them to some degree and 53% opposing or unsure.
• Cautious optimism is warranted, but assuming another major rally this year could be unrealistic.

For more information, visit the show notes at https://moneytreepodcast.com/post-election-tariffs-685 

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we dive into the world of technical traders. We discuss the Risk Management Checklist, allocation, styles, quantity of trades, tactical strategies the psychology of investing and more.

Having a process is important. The best process is pushing play on your podcast player and listen to this episode. Join us again for an exciting episode with Chris Vermeulen.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Megan Gorman | The Wealth Intersection
• Douglas Heagren | Pro College Planners

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This week we discuss the true cost of the American dream, when the next market sell off will start, and why the financial markets are drastically underestimating inflation. We also discuss why office REITs are in trouble, and druckenmiller's reason for evading the 1987 crash looks similar to the markets today.

Join us for another great live episode about the real insight into financial markets without all the fluff.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we discuss how to find you money zen. The combination of financial health and emotional wealth will result in a powerful, research-based framework for getting off the hamster wheel of 24/7 striving so you can start to live a life fueled by authentic joy, connection, and meaning.

We discuss... How to cope with financial trauma, cultural norms, societal influences and evolutionary biology. Join us to see how this can positively impact your life.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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The banking sector is no longer heading into the toilet, but at some point the bank brisk job may turn into a run. What will happen if it does? Don't wait till it does to do your research. Do it now. Commercial real estate will play a big part in this.

The big story today is JAPAN. 

Huh? Yup Japan is making big news... and no one is talking about it... Once again we are making news great again. Join us to find out why Japan is important now.

Also in the news...

• VC deals are drying up
• excess saving is drying up too
• Big tech is getting too big. How big is too big? Alphabet, Microsoft and Apple are bigger than the entire stock markets of UK FTSE 100, Eurostoxx 50 and Swiss Market Index combined.

Is this time different? I'm waiting to find out if hundreds of years of history are wrong... probably not.

For more information, visit the show notes at https://moneytreepodcast.com/bank-brisk-jog-beware-of-inflation-583

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we interview Personal Finance Podcast host, Andrew Giancola. We discuss everything you need to know about investing and money... and other stuff.

We discuss...

• Perspective of buyers and sellers- balance of what you are trying to accomplish
• Diversification of income streams
• Systems and processes are important
• Quality of books
• Quality of due diligence
• Real estate vs businesses
• And so much more...

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Douglas Heagren | Pro College Planners
• Phil Weiss | Apprise Wealth Management

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Investing in water has a certain logic and allure to it in that it is the most prized commodity on this planet. However there is such an abundance that we don't value it with a price. We do have a shortage of drinkable water in many parts of the US and the world and yet very few options to make water drinkable at an economic level.

In this episode we discuss investing in water, the upcoming election, the housing problems and more.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-water-581 

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Join us this week as we discuss global macro strategies for 2024. We discuss the 2024 election & Outlook - will the election have an impact on markets? geopolitical impact? World stability? Econ stability- factors for better or worse?

We discuss Russia, China, mid east, oil gold, bonds, partisan change in 2024, US political strategy vs geo political strategy, trade war w China, globalization vs deglobalization. --> hypo-globalization. inflation price collapse? Disinflation 1980-2020, China slowdown, and more.

For more information, visit the show notes at https://moneytreepodcast.com/global-macro-strategies-for-2024-matt-gertken

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management
• Tim Baker | Metric Fin

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The stock market missed this one big thing... But you don't have to. Learn how to take advantage of mistakes the market makes. Join us this week as we discuss all sorts of off limit topics that can help you become wealthy... if you listen 🙂

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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We blow up the 60-40 portfolio in this interview. It is broken and needs to be fixed.

We discuss how to improve on the 60-40 portfolio with alternative investments and what to look for in the alternative investment space. 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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Once again we hit all time highs... Is this something to celebrate or fear? This week we discuss the impact of hitting all time highs on the major indexes. IS it something to fear or celebrate. Or does it matter. Join us to discuss the confusing marketing and how to decipher them.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/all-time-highs-577

Today we talk The Soul of Wealth with Daniel Crosby, a behavior finance expert. Daniel shares his transition from clinical psychology to Wall Street due to burnout and his realization that finance is deeply rooted in human behavior. Highlighting the PERMA model from positive psychology, he emphasizes that true well-being requires balancing positive experiences, meaningful work, relationships, purpose, and personal growth—rather than just financial success. Daniel discussed how there has been a shift financial behavior, with younger generations prioritizing values-driven investing over pure profit. Join us as we discuss how to have a more fulfilling financial life! Today we discuss... 

• Daniel Crosby shares his background as a clinical psychologist who transitioned into behavioral finance.
• Behavioral finance is central to investing, shaping individual and institutional decisions.
• How people often optimize for material success (positive experiences) at the expense of deeper fulfillment.
• The PERMA model, a framework for well-being that balances pleasure, engagement, relationships, meaning, and achievement.
• How Wall Street culture can lead to extreme work habits, burnout, and misplaced priorities.
• Crosby emphasizes the importance of integrating life balance early, rather than delaying happiness for financial success.
• The role of money in social change, noting that financial tools have historically driven major civil rights movements.
• The Montgomery Bus Boycott, sparked by Rosa Parks, demonstrated the power of financial pressure in the civil rights movement.
• Younger generations increasingly recognize that spending money is a form of voting for the world they want to live in.
• Gen X is often overlooked politically, partly because they tend to be cynical and disengaged from politics.
• Financial decisions can be more powerful than political votes, as they influence the economy and corporate behavior daily.
• Consumer spending decisions significantly impact businesses and shape the economy more directly than stock market trades.
• Retirees often conflate net worth with self-worth, making it hard to enjoy their savings.
• The balance between saving for the future and enjoying the present is a major financial conflict in relationships.
• People tend to judge others based on their spending habits, viewing savers as dull and spenders as reckless.
• Life offers no guarantees, so financial strategies should include both prudent saving and meaningful spending.
• Overcoming personal financial biases requires studying market history and maintaining a long-term perspective.

For more information, visit the show notes at https://moneytreepodcast.com/the-soul-of-wealth-daniel-crosby-684 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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Scott Kyle of the Compound Code discusses his views on allocation, time horizon, diversification, dividend stocks and why he think you should not have fixed income.

Join us for an interesting episode about compounding.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/compound-code-scott-kyle

Happy New Year... 2024 started with a meh... but this week we discuss what this slow start means for the rest of 2024. Join us to see what the markets will do in 2024.

And if me telling you what the future holds excites you... I have this beautiful bridge that I'm selling for rock bottom prices.

For more information, visit the show notes at https://moneytreepodcast.com/2024-started-with-575 

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we interview the tax goddess, Shauna Wekherlien, about advanced tax strategies of the rich and famous. We discuss some great ways to LEGALLY reduce taxes for business owners, investors and families who are paying too much in tax.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance

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Happy 2024!

It is a new year and lots of great predictions in store for you this week. I know you have been waiting all year for these, so join us this week for my predictions for 2024.

• 2024 Predictions: Discussion on predictions for 2024, including the stock market, Bitcoin ETFs, and global chaos.
• Caution on Predictions: Emphasis on the uncertainty of predictions, highlighting the historical inaccuracy of many forecasts.
• Risk Management: Advocacy for managing risk instead of predicting performance, with various strategies discussed.
• Possible Recession: Prediction of a potential recession in Q2 2024, contrary to earlier expectations.
• Interest Rate Forecasts: Suggests that interest rates may drop less than predicted due to cautious economic measures.
• Global Conflict Expectations: Anticipation of continued global tensions but with a caution against overestimating the severity.
• Unpredictability Reminder: Reminds that unforeseen events can alter predictions, underlining the dynamic nature of financial forecasts.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Douglas Heagren | Pro College Planners

 
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This week we interview Jonathan Deyoe about mindful money and 5 tips that you can use today for better financial health.

For more information, visit the show notes at https://moneytreepodcast.com/mindful-money-jonathan-deyoe

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

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Happy New Year Money Tree Podcast Listeners. We are excited to bring you new wit and wisdom this year for you and your stonks. The year started of rocky. Is this an indication of what the rest of the year holds... probably. But we can't tell the future. Let's try anyway. 

Join us this week as we dive into what is important and not about 2024.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Nicole Simpson talks about The "Quiet Shift" and how it impacts your wealth. Estate planning, Legacy planning, and dealing with older parents is becoming an increasing problem for younger generations. We discuss how this impacts you.

For more information, visit the show notes at https://moneytreepodcast.com/quiet-shift-dr-nicole-b-simpson

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

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Happy New Year. Santa Clause is coming to Wall Street in December 2023 and may decide to stick around for 2024. We can thank Jay Powell for this Christmas gift. We will see if Santa stays or disappears as quickly as he came. Happy New Year to all and to all a good night.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Victor Haghani explores this topic in his new book of the same name. This was a fascinating discussion about wealth and the transference of wealth through generations. 

We also discuss where these uber wealthy went. Join us for this fun holiday special.

For more information, visit the show notes at https://moneytreepodcast.com/where-are-the-missing-billionaires-victor-haghani

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Megan Gorman | The Wealth Intersection

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It is important to admit when you are wrong. It may not happen often, but it does happen. Here is my error and why it happened.

The Federal Reserve Chairman is a position with a lot of power. Essentially this person is god as everything he says or even infers is taken as gospel. The position does not pay millions of dollars a year and typically it is filled by an academic. Only rarely does it get filled by person with real life experience. So the attraction to the position is mainly for power and influence... and most important legacy. 

So my error was in thinking that Jerome Powell wanted to be remembered as a Paul Volker type, who killed inflation. However after the recent Fed meeting, it appears as if Powell is comfortable becoming the next Arthur Burns... Who fell over himself and did nothing and maybe even helped the US experience inflations rates approaching 20%. It was a crazy period of time to say the least and Powell may have just blundered into Burns' mistake. Only time will tell, but arrogance knows no bounds.. Just ask our politicians. 

Join us this week for a fun Holiday Special.

For more information, visit the show notes at https://moneytreepodcast.com/i-was-wrong-powell-wants-to-be-burns-not-volker-603

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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With all of the new Senate confirmations and executive orders from the past week, the 2025 stock market predictions continue! We explore how higher interest rates make borrowing more expensive and how a strong dollar challenges multinational corporations by making U.S. goods more expensive abroad. Rising oil prices further strain businesses by increasing transportation and production costs. Despite these fundamental factors, the market often disregards traditional economic signals, making price the ultimate determinant of value. Today we discuss...

• The week's news cycle was dominated by Trump's executive orders and political theater in Senate confirmations.
• Senators grilling Kennedy on vaccine policies were top recipients of pharmaceutical industry donations.
• Stanley Druckenmiller outlined three major risks to markets: rising interest rates, a strong dollar, and rising oil prices.
• Before Trump took office, all three risk factors were in play, but they have since moderated.
• Higher interest rates increase borrowing costs and lower corporate profits, especially for debt-reliant industries.
• Tech companies have used low-interest debt for stock buybacks, artificially boosting valuations.
• A strong U.S. dollar negatively impacts multinational corporations by making exports more expensive.
• Emerging markets struggle with dollar-denominated debt when the U.S. dollar strengthens.
• The market doesn’t care about your opinion and can stay irrational longer than you can stay solvent.
• Even if you're ultimately right, being wrong for 20 years still means you were wrong in practice.
• The best investors acknowledge when the market disagrees with them and pivot accordingly.
• Most people lack familiarity with risk management beyond simply buying bonds.
• The largest oil reserves aren’t necessarily the most valuable due to quality differences in crude.
• Corporate cycles alternate between aggressive acquisitions and strategic spinoffs.
• Investment return data gets distorted over time as underperforming funds disappear.
• The extravagant corporate culture at Nabisco before and after the buyout.
• Cultural shifts, like the rise of the iPhone, have happened rapidly in recent years.
• The housing market is in a challenging state due to high interest rates and low supply.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/2025-predictions-continue-683

This week we dive into the history of IPOs with Dakin Campbell. Dakin discusses who IPOs have always been alluring and what most people miss about this exciting event. We also discuss how investors can get access to these securities... and if they even should.

For more information, visit the show notes at https://moneytreepodcast.com/history-of-ipos-dakin-campbell

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management
• Tim Baker | Metric Financial

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2023 has been a most interesting year. And it looks like we are ending it with a tremendous Santa Clause Rally for the books. This is in part due to Jerome Powell's decision to become an Arthur Burns, not a Paul Volker. So much for his legacy...

Join us as we discuss some of the most interesting news today.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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 For more information, visit the show notes at https://moneytreepodcast.com/santa-clause-rally-2023-565

What does it mean to be an emerging manager in today's world? Why is it so hard for women and immigrants to get access to capital markets? Isn't the American dream still attracting immigrants? You might be surprised at some of the answers we discuss on the show today.

Fortunately America is still attracting talent, but not like it used to. Join us this week as we peek into the underbelly of America's capital markets.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Megan Gorman | The Wealth Intersection

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Bulls Make Money... Bears Make Money... Pigs Get Slaughtered is an old phrase which still hold true. Are you being a pig in your portfolio? This is a good time of year to reassess your portfolio and make sure you are not being a pig.

For more information, visit the show notes at https://moneytreepodcast.com/bulls-make-money-bears-make-money-pigs-get-slaughtered-563

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Christopher Zook talks about the secrets of high finance and how you can join them. We discuss GP Stakes and how this exists for investors to join the club.

For more information, visit the show notes at https://moneytreepodcast.com/secrets-of-high-finance-christopher-zook

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Megan Gorman | The Wealth Intersection
• Phil Weiss | Apprise Wealth Management

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This week we discuss Black Friday and why it doesn't matter to the markets. Personal spending cools... The market yawns

Credit Card Balances Skyrocket... The market doesn't notice.

The economy starts cooling and the market celebrates. They think the Fed will pivot, but the Fed is clearly saying no. Eventually the market will wake up after it gets hit in the head with a brick.

We also discuss Moral Hazzard and why it will cause the next market crash.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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John Jennings, financial advisor to ultra high net worth investors, discusses a myriad of topics related to issues that extreme wealth has with individuals and families. We also discuss mental models, ikigai, and wealth preservation secrets.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/ultra-high-net-worth-issues-john-jennings

We give thanks for this podcast, Money Tree Investing. We thank the listeners for your faith in us. We would also like to thank Wall Street for giving us so many opportunities to poke holes in your "rules of thumb". 

This week we discuss what is going on with consumer sentiment, the first of Seth Klarman's lessons from 2008 and more important market related insights.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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It is important to have a personal finance process if you want to have success with your household finances. Most people only focus on their investments and ignore everything else. This is a mistake.

We interview Bryan Kuderna to discuss how you can improve your financial health.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/personal-finance-process-bryan-kuderna 

A few weeks ago everyone was bearish, now no one is. what happened? Also we discuss year end tax strategies that you can do to legally keep money from uncle sam. Lastly, we share a very popular chart of why it makes sense to rent vs buy right now.

Oh and we congratulate meatloaf... AKA Javier Milei, which might prove out to be real life comedy, not just the kind his girlfriend puts on.

For more information, visit the show notes at https://moneytreepodcast.com/where-have-all-the-bears-gone-557 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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Joe Kelly shares how he is unchaining the block chain through his company Unchained. He shares his entrepreneurial journey and insights on Bitcoin and its evolving role in finance. He detailed Unchained's services, which cater to long-term Bitcoin holders by addressing security, inheritance, IRAs, and financial tools like trading and lending. We talk Bitcoin's pivotal developments, including the approval of ETFs, institutional support, and the potential for a U.S. strategic Bitcoin reserve. We also explore mining economics and the broader industry's role in cementing Bitcoin as a foundational digital commodity. 

Today we discuss... 

• Joe Kelly's entrepreneurial journey from Alaska to Texas, emphasizing his early inspiration from Bitcoin.
• The importance of Bitcoin's shift to ETFs, noting the role of institutional players like Fidelity and BlackRock in mainstream adoption.
• The potential of a U.S. strategic Bitcoin reserve signals Bitcoin’s growing recognition as a critical, limited-supply asset.
• Bitcoin itself is virtually hack-proof, with vulnerabilities usually tied to key management or exchange-level breaches.
• Mining, while lucrative, is contrasted with direct Bitcoin investment, with the latter often yielding higher returns over time.
• There is a tradeoff between directly buying Bitcoin, which may influence its price upward, and the challenges of operating a mining business.
• Michael Saylor's Bitcoin strategy involves leveraging MicroStrategy's treasury to buy Bitcoin, funded through loans, convertible bonds, and equity dilution.
• The model has parallels to Ponzi-like structures, though it lacks the "rug pull" mechanics since the risks are transparent and tied to Bitcoin's performance.
• Bitcoin's value proposition hinges on its limited supply of 21 million coins, creating a perception of scarcity and long-term potential.
• Investors must approach Bitcoin with a balanced mindset, acknowledging both its potential for high returns and the risk of total loss.
• Bitcoin's volatility often causes steep downturns, which can challenge investors unprepared for long-term holding.
• Bitcoin's core utility lies in its robustness as a secure, scarce, and decentralized store of value.
• Emerging use cases from Bitcoin-related technologies include identity verification and fraud prevention, though these are indirect benefits.

For more information, visit the show notes at https://moneytreepodcast.com/unchaining-the-block-chain-joe-kelly-682 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance

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Sharon Klein talks about financial divorce, which is an additional kick in the teeth after the legal divorce. She explains all the things you need to understand if you want to minimize the impact to your life for the next 20 years.

For more information, visit the show notes at https://moneytreepodcast.com/financial-divorce-sharon-klein

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Megan Gorman | The Wealth Intersection
• Phil Weiss | Apprise Wealth Management

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2023 is almost over and we only had one bank crisis. It is a miracle there were not more this year. However 2024 is shaping up to produce a potentially massive banking crisis on the scale of 2008.

A 2024 bank crisis would surprise a lot of people, but at the same time everyone saw it coming and did nothing.  Why? Good question. This has the making of the next black swan. Much like 2022 when the markets immediately dropped  on the first day of trading. People just decided that it was time. Time will tell for 2024.

Also in the news... The last US treasury auction yielded poor results when no one showed up. Yields are not dropping like many predicted. And next year should be interesting.

For more information, visit the show notes at https://moneytreepodcast.com/2024-bank-crisis-555 

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Risk is what is left over after you have thought of everything else. Risk management is now very important. Commercial real estate, consumer debt services, personal income, etc. Lots of shoes to drop. All this and more on this week's episode.

For more information, visit the show notes at https://moneytreepodcast.com/risk-is-what-is-left-over-grant-bledsoe 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

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Follow on X (formerly Twitter): https://x.com/MTIPodcast