Explore every episode of the podcast The Blunt Dollar

In this episode of The Blunt Dollar, we sit down with one of the most prolific voices in the financial planning space: Jason Pereira. A financial planner, fintech strategist, professor, podcaster, and tireless advocate for professional standards, Jason joins Ignacio to talk through the present and future of financial advice.

With over 750 pieces of content under his belt and multiple roles shaping the Canadian and global advisor landscape, Jason doesn’t hold back in this wide-ranging conversation on technology, regulation, and what it really means to serve clients in a world reshaped by AI.

In this episode, we talk about:
💼 Jason’s multifaceted career: financial planner, tech consultant, policy advocate
🧠 The evolution of advice from stock picking to life planning
🤖 Why AI will elevate, not replace, human advisors
📉 What breaks in advisory firms and how to rebuild better
🔥 The real problems with financial industry incentives and education

If you’re into advisor tech, financial planning evolution, and unfiltered industry truths, this one’s for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Vincent Kaufmann, CEO of the Ethos Foundation, a leading voice in sustainable finance and corporate governance in Switzerland. 

With over two decades at Ethos, Vincent shares an insider perspective on why active ownership matters, the real tools investors have to drive ESG change, and the fine line between meaningful impact and greenwashing. 

This is a masterclass on ESG from someone who's lived it from the inside.

🎯 How shareholder engagement can push even giants like Nestlé and Holcim to adopt real sustainability targets

📉 The hidden risks of passive investing and the concentration of voting power among the "Big Three"

🌱 Why divestment alone isn't enough, and how fixed income markets can offer more pressure than equity

🧠 Greenwashing decoded: Vincent's view on what real sustainable investing looks like (and how to spot a fake)

🇨🇭 Swiss DNA in finance: How Switzerland’s consensus-driven model shapes Ethos’ dialogue-based approach

If you're into ESG, shareholder activism, or just want to understand how investors can shape corporate behaviour without sacrificing returns, this one's for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Elsa Razborsek joins The Blunt Dollar for a deep, nuanced conversation on nonlinear careers, women in finance, and the behavioural biases that shape both our portfolios and personal lives. 

From Goldman Sachs analyst to health coach and back to finance, Elsa’s journey is anything but typical, and it’s exactly that winding path that fuels her insights today.

In this episode, we talk about:
🔄 Career pivots and the power of nonlinear paths
👩‍💼 Navigating visibility, ambition, and bias as a woman in finance
🧠 Coaching insights on stress, burnout, and sustainable high performance
📉 Behavioural finance: how sunk cost fallacy and blind spot bias derail decisions
🧠 Why journaling, self-awareness, and dopamine matter more than spreadsheets

If you're into investing, mindset, and the messy truth behind high-achieving careers, this one's for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with Julia Carreon, a digital transformation powerhouse with leadership experience at Wells Fargo and Citi, to dissect the crossroads of finance, technology, and generational change. 

Julia brings her signature candor and deep industry knowledge to a conversation that spans everything from AI and gamification to social media misinformation and the trust crisis in banking.

We explore what it truly takes to modernize wealth management for Gen Z and millennials, and why the clock is ticking for traditional players.

🎯 Why big banks are struggling to keep up with Gen Z's expectations, and what’s at stake

🤖 How AI and gamification could reshape financial education and advisory experiences

📱 The role of influencers, TikTok, and social media in driving (and distorting) financial literacy

💥 Personal stories of fintech failure and how they shaped Julia's views on trust and regulation

🧠 The power of behavioral science and hyper-personalization to redefine client engagement

If you’re into AI in finance, the future of banking, and what it’ll take to win over the next generation of investors, this one's for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Sustainable investing has gone from niche to necessary. But where is it headed next? In this episode, Ignacio sits down with Marina Severinovsky, Head of Sustainability for North America at Schroders, to unpack the shifting ESG landscape. 

Marina draws from two decades of experience in finance and sustainability to explain how investors can navigate today’s volatile mix of climate risk, political backlash, and growing demand for impact.

Topics we cover:

🌍 Why sustainable investing isn’t just about values—it’s about identifying long-term risk and opportunity

💼 How institutional investors are redefining ESG integration across asset classes

💣 The rise (and fallout) of ESG backlash—and why Marina sees it as a “necessary reset”

📊 The trouble with ESG ratings and how Schroders builds proprietary sustainability models

👩‍💼 Women in sustainable finance, and Marina’s unfiltered advice for building a career in ESG

If you’re into impact investing, long-term market trends, and no-BS insights into how sustainability really works in finance, this one’s for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode we dive deep into the engine room of sustainability, with a guest who has one of the most unique seats in the house.

I sit down with Brian Matt, Head of Sustainability Advisory at the New York Stock Exchange, to unpack what’s really going on behind all the ESG headlines. 

With two decades of experience in investor relations and sustainability, Brian offers a rare dual lens into both investor expectations and corporate realities when it comes to sustainability strategy, regulation, and storytelling.

In this candid and insightful conversation, we cover:

🌱 How ESG has evolved from checkbox compliance to value creation

📊 What asset managers actually look for in ESG disclosures

🧑‍⚖️ Why fiduciary duty and political pressure are reshaping stewardship teams

🏛️ How new regulations like CSRD and California climate rules are impacting listed companies

📈 And why smaller public companies aren’t necessarily doomed in today’s ESG landscape

If you like sustainability strategy, investor behavior, and behind-the-scenes capital markets insight, this one's for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Manuel Grenacher, a serial entrepreneur and founder of Unique, a company revolutionizing financial services with agentic AI. 

Manuel shares his journey from building startups in Switzerland to leading one of the most exciting AI-driven companies in finance today. 

We dive deep into how AI is reshaping the industry, where the biggest disruption opportunities lie, and why empathy remains irreplaceable by machines.

Key topics we cover:
🔹 What is agentic AI and how it goes beyond ChatGPT
🔹 How Unique is helping financial institutions scale AI adoption
🔹 The future of relationship managers in an AI-driven world
🔹 Trust, hallucination scores, and responsible AI use in finance
🔹 Why mid-sized banks could outperform the giants with AI
🔹 The real-world use cases driving the fastest ROI today (KYC, investment insights, and due diligence)
🔹 Manuel’s personal journey: from corporate comfort at SAP back to the startup grind
🔹 How to stay relevant and thrive in a world where AI becomes a superpower

If you like conversations about AI innovation, entrepreneurship, and the future of finance, this one's for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, Ignacio sits down with Marlena Lee, Global Head of Investment Solutions at Dimensional Fund Advisors. 

Marlena leads a 70-person team that bridges deep academic research with practical client education, helping investors navigate the complexities of markets, factor investing, and long-term portfolio construction.

With a PhD from the University of Chicago Booth School of Business and experience working alongside Nobel laureate Eugene Fama, Marlena shares her unique insights into translating rigorous research into real-world investment strategies. 

We dive into her career journey, her biggest lessons from Fama, and how she’s helping advisors and investors make smarter decisions today.

In this episode, we discuss:

🔹 Lessons from working with Eugene Fama and simplifying complex ideas
🔹 How Dimensional turns academic research into real-world investing strategies
🔹 The critical role of storytelling and empathy in finance communication
🔹 Redefining risk and the true meaning of diversification
🔹 Why preparation beats prediction when dealing with market uncertainty

If you're interested in market behavior, smart investing, or the art of financial storytelling, this episode is for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we’re joined by George Lagarias, Chief Economist at Mazars, for a thought-provoking conversation on financial crises, economic cycles, and the elusive search for stability in global markets. 

With over 20 years of experience navigating economic turmoil from Athens to London, George offers a deeply reflective and honest perspective on the past, present, and future of capitalism.

We kick off with George’s personal experience of living through the Greek and Cypriot debt crises, uncovering how they left generational scars on institutions, job markets, and societal optimism.

But this isn’t just about Greece. George unpacks why crises are hardwired into capitalism, how human psychology fuels financial bubbles, and why there’s no such thing as a perfect system.

Tune in as we explore:

📉 Why financial crises are inevitable in capitalism
🇬🇷 The true economic and social cost of Greece’s debt crisis
🎢 Regulation, deregulation, and the constant pendulum swing
🧠 How fear, greed, and behavioral finance shape markets
🎯 What being a Chief Economist actually entails
🛠️ Why storytelling is more important than models in economics
🔍 The most useful indicator George relies on monthly
💥 His best and worst market calls, and what he learned from them
🎯 Why predictions are more about probabilities than certainty
⚠️ What risks we don’t see coming… and why they matter
🌍 How energy innovation and digital currencies could reshape the world
🧠 And whether AI will ever replace human economic thinking

George doesn’t sugarcoat, and that’s exactly what makes this such a fascinating listen.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Oktay Kavrak, Director of Communications and Strategy at Leverage Shares, a leading provider of exchange-traded products (ETPs). With over a decade in the financial industry and a CFA charter under his belt, Oktay shares a wealth of insights into the evolving world of ETPs, including how they’re reshaping modern investing.

We explore everything from the rise of active ETPs to the misunderstood role of leverage in trading strategies. Oktay also talks about his personal journey, why he left the comfort of traditional finance roles, and how he’s found fulfillment in a fast-paced, multifaceted position.

Here’s what we cover in the episode:

📊 The evolution of ETPs and how they differ from ETFs
 🧠 Why active ETPs are gaining traction despite passive investing’s dominance
 📉 The role of leverage in ETPs and the education gap around complex products
 💸 Fee compression in the ETF/ETP space and what it means for product sustainability
 🔍 The most overlooked trend in finance today: derivatives-based income strategies
 🎓 Oktay’s honest take on the value of the CFA designation
 🔥 Career advice for young finance professionals (and why mistakes matter more than wins)
 🤖 The future of AI in finance and how it could reshape day-to-day roles
 🧠 The real skills that matter in finance today (hint: it’s not advanced math)
 🏈 Finding balance: how Oktay recharges outside of the financial world

Oktay also shares how he stumbled into his current role, why job titles don’t always reflect day-to-day work, and what people often get wrong about the finance industry.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with Tom Idzorek, CFA, Chief Investment Officer for Retirement at Morningstar and one of the most influential voices in modern financial planning. With a career spanning decades and awards like the Graham and Dodd Award of Excellence under his belt, Tom has consistently pushed the boundaries of how we think about portfolio theory, human capital, and retirement planning.

We dive into his co-authored book, Lifetime Financial Advice, and discuss why human capital is an investor’s most overlooked asset—and how incorporating it can drastically change your investment approach. From life cycle finance to robo-advisory and AI, this conversation is packed with insights on the future of wealth management.

🔍 Topics we cover:

📘 Why financial planning should evolve with life stages, not stay static

🧠 The overlooked importance of human capital in investment decisions

🤖 How AI and robo-advisors are reshaping financial advice at scale

🔄 Dynamic vs. static financial planning models

📊 The Popularity Asset Pricing Model: what it is and how it improves on CAPM

🧓 The future of retirement planning and why the 4% rule is outdated

😬 The psychological traps retirees face—and how to avoid them

💡 Why advisors must evolve into coaches powered by AI, not replaced by it

Whether you're a finance professional, a curious investor, or just planning your financial future, this episode delivers a masterclass in holistic financial thinking.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with François Trahan, one of the most respected macro strategists on Wall Street.

François is a Hall of Fame-ranked Institutional Investor strategist, former head of macro research at Bernstein, BCA, and Wolfe Research, and founder of the Macro Research Institute, a program training investors to understand real-world macroeconomics.

But this isn’t just about big calls and big titles. This is a conversation about conviction, cycles, and the brutal honesty required to get markets right.

We dive into the moments that made (and nearly unmade) his career, and unpack the lessons behind both his best and worst calls. From the dot-com crash to the GFC, and the behavioral traps that trip up even the smartest investors.

We cover:
📉 Why macro is more relevant today than ever
📚 How history and psychology shaped his biggest insights
🧠 The power (and limits) of AI in understanding markets
📈 What macro can (and can’t) predict about the future
🤝 The surprising truth about how he got hired on Wall Street
🎯 Why so many strategists still get it wrong
🧪 The importance of applied thinking in a theory-heavy world
💡 And why “this time is different” usually isn’t

Whether you're a macro nerd, a strategist in training, or just want to understand what really drives the market under the surface, this episode is pure signal.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Lori Heinel, Global Chief Investment Officer of State Street Global Advisors, who oversees over $4 trillion in assets. 

With 41 years of experience in finance, Lori brings unmatched depth to the conversation, from leadership and risk management to indexing, AI, and the future of investing.

We explore how institutional investors influence markets, the evolving role of the CIO, and why adaptability and curiosity are crucial in today's finance world. 

Lori also opens up about the journey women in finance still face, the importance of storytelling, and how to lead with empathy in a high-pressure environment.

This episode is a masterclass in asset management and leadership from one of the industry’s most seasoned voices.

Topics covered:

🌍 Lori’s path from liberal arts major to CIO of a $4T asset manager

🤝 Leadership philosophy: “Trust but verify”

⚖️ Managing risk vs. chasing returns at scale

📈 Institutional vs. retail investing — and why the lines are blurring

🔄 How personalization and customization are redefining portfolios

🤖 The impact of AI on portfolio management and analyst roles

👩‍💼 Gender diversity in finance and tips for career advancement

🔮 What's next for asset allocation and securitization in a blockchain era

💡 Why intellectual curiosity is the ultimate edge in the age of AI

🧠 Storytelling, soft skills, and the underestimated power of empathy

If you're a finance professional, an investor, or just someone fascinated by the evolving world of asset management, this is an episode you won’t want to miss.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Wylie Tollette, Chief Investment Officer of Franklin Templeton Investment Solutions. 

Wylie oversees over $160 billion in multi-asset portfolios and has spent his career bridging investment strategy, operations, and leadership, from CalPERS to Franklin Templeton.

But this isn’t just a CIO talking markets. This is a conversation about trust, transparency, and the invisible infrastructure that makes long-term investing work.

We dive into Wylie’s unusual path from CPA to CIO and unpack the habits, frameworks, and philosophies that have shaped his career at the highest levels of finance.

We cover:
📊 How technology is transforming the front and back office
🧭 Why transparency is more than a compliance buzzword
🏛️ What it’s really like working inside a giant public pension fund
🛠️ The tension between risk models and real-world decision-making
📚 What operations can teach us about strategy
🤝 How to bridge the cultural gap between portfolio managers and tech teams
🧠 What keeps Wylie curious after 30 years in the industry
🧩 Why asset owners are becoming the real drivers of investment innovation

If you're leading an investment team, rethinking your tech stack, or just curious about the machinery behind global portfolios, this one is packed with insight and clarity.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Sébastien Page, Chief Investment Officer at T. Rowe Price, where he oversees over $500 billion in assets and leads a global team of investment professionals.

But today’s conversation isn’t about markets. It’s about leadership, psychology, and what makes people thrive under pressure.

We dive into Sébastien's latest book, The Psychology of Leadership, and unpack the habits, mindsets, and mental models that separate high performers from the rest.

We cover:
🧠 Why measurable goals can backfire
🎯 How to develop mastery without falling into ego traps
🏋️‍♂️ What investing and sports psychology have in common
🫀 The neuroscience of stress and how elite performers use it
🤝  Why feedback feels awful (and how to fix it)
🏔️ What climbing Everest has to do with blind ambition
🔄 How to quit or pivot without guilt
💬 And what makes someone a truly contrarian thinker

Whether you're managing portfolios, leading teams, or trying to level up your own thinking, this episode is packed with real, practical tools from someone who leads at the highest level and still finds time to reflect deeply.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Eric Sim, former UBS Managing Director turned author, educator, and personal branding expert. 

Eric’s journey is anything but typical. He started helping his father at a hawker stall in Singapore and rose to one of the top roles in global banking. Then he pivoted again to build a personal brand that reaches millions on LinkedIn.

We talk about:
📈 How Eric built a personal brand while still working in investment banking
📉 Why many finance professionals make branding mistakes (and how to fix them)
🧠 The power of storytelling and small actions in career growth
💬 The underrated strategy of writing to unlock new opportunities
🔁 What it means to build a “portfolio career” and future-proof your skills
👥 And how real-world relationships are still the most powerful growth hack

Eric shares how small, consistent actions helped him build not just a brand but a life filled with meaning, connection, and opportunity (and how you can do the same).

If you're a finance professional wondering how to evolve, grow, or pivot, this episode is for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with David Blanchett, Head of Retirement Research at PGIM and one of the most respected voices in financial planning. 

From his early start as a certified financial planner at 21 to becoming a go-to name in retirement income research, David has spent his career challenging outdated assumptions and building better models to help people retire smarter.

We get into why most retirement plans are based on flawed assumptions, how retirees actually spend their money (hint: it’s not how models say they do), and why the 4% rule may need a rethink.

We also explore:
📉 The psychological traps that make people underspend in retirement
📊 The emotional attachment to real estate
⏳ Longevity, inflation, and the risk of retiring too early
🤖 Whether robo-advisors will ever fully replace human financial planners
📈 Why working just “one more year” can make a massive difference in retirement success

David also shares his thoughts on the future of retirement, why financial independence might be a better term, and what he sees coming in the next 25 years.

If you're interested in retirement, financial planning, or how to future-proof your financial life, this one’s a must.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Byron Gilliam, market strategist at BlockWorks and the writer behind one of the most engaging daily newsletters in finance. Byron spent 25 years trading global equities across financial hubs like Frankfurt, London, Paris, and New York before making the jump into crypto.

We talk about what led him to shift from trading to writing, how explaining crypto to traditional finance professionals changed his perspective, and why financial markets keep making the same mistakes.

We also cover:
 🚀 How speculation in crypto compares to past market bubbles
 📉 The biggest risks in decentralized finance that no one talks about
 📊 Why institutions are still hesitant to fully embrace crypto
 🔮 Whether DeFi and TradFi can coexist or if they are fundamentally at odds

Byron’s mix of humor, market wisdom, and sharp analysis makes this one of the most insightful conversations on crypto and traditional finance you’ll hear.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Patrick DeBattista, CFA, CPA, and financial educator, who is on a mission to democratize financial knowledge. With over 200 workshops delivered across Europe, a growing social media presence, and a leading role in Malta’s national initiative on financial education, Patrick is redefining how people approach money.

We dive deep into the financial literacy crisis, why only 34% of adults pass a basic financial test, and the shocking misconceptions about money management that even professionals struggle with.

Patrick shares his take on:
💡 The most harmful financial goal people set and how to reframe it
💡 Why younger generations aren’t financially illiterate but just need the right approach
💡 The challenge of regulating financial content on social media
💡 The emotional side of money and why most financial advisors miss the mark
💡 How automation, discipline, and hiding your investing apps can protect you from yourself

We also talk about Patrick’s viral TikTok moment, the role of AI in the future of finance, and his biggest personal finance regret. 

Whether you are a retail investor, a finance professional, or just someone looking to get better with money, this episode is packed with insights.

🎧 Tune in now because understanding money shouldn’t be a privilege!

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Imagine working 32 years at Bloomberg.

Now picture shaping how millions of professionals consume financial news.

Now imagine:

↳ Working closely with Mike Bloomberg.
↳ Leading AI-driven initiatives before AI was even a buzzword.
↳ Pioneering the integration of Twitter into the Bloomberg Terminal.

That’s Ted Merz, CFA.

In this episode of The Blunt Dollar podcast, we dive into his journey.

From faxes and newspapers to real-time market intelligence, algorithmic trading, and the future of financial media.

What was Bloomberg’s secret to staying unchallenged for decades?

How did Mike Bloomberg really lead his teams?

(Hint: It involves a LOT of sticky notes!)

Why is finance media being disrupted by expert influencers and AI?

Ted’s stories from the trenches of financial journalism and tech innovation are fascinating. 💖 

Some of them will blow your mind.

Check out the episode and tell me:

Have you ever used Bloomberg Terminal?

What was your first impression? 😅 

Where do you get more market insights: social media or traditional news?

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I'm joined by Reda Farran, a seasoned finance professional with over 12 years of experience in the industry. 

From his early days as a sell-side analyst to his current role at Finimize, where he simplifies complex financial concepts for retail investors, Reda has seen firsthand how markets and investing have evolved.

We dive deep into:

1) The democratization of finance and how retail investors are reshaping markets.

2) How to filter through financial noise on social media and find reliable investment insights.

3) The rise of AI in investing, how retail investors should use it, and what it means for the future of finance careers.

4) Is the CFA worth it? Reda shares his honest take on whether the credential is still valuable.

5) One career and one investing lesson Reda has learned over the years.

Plus, we get into the role of soft skills in finance, why simple investment strategies often outperform, and whether investing apps should use confetti animations (you don't want to miss that one).

If you're into markets, investing, and finance career insights, this episode is packed with golden nuggets. 

Tune in now!

Oh, and if you haven't already... subscribe to the Blunt Dollar for more raw and honest finance conversations.

New episodes drop every week on your favourite podcast platforms!

And last but not least, don't forget to follow me on LinkedIn:

⁠https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/⁠

Enjoy the episode!

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Anthony Cheung, Chief Content & Culture Officer at AmplifyME, podcast host, and finance educator, to talk about his journey from a small-town upbringing in a rest home to a career navigating high-stakes financial markets. We get into his early days as a trader, the lessons he learned from working alongside old-school finance pros, and how he now helps students break into the industry without a traditional finance background.

We also chat about market narratives, imposter syndrome, the cutthroat nature of trading desks, and whether AI is a threat or a tool for the next generation of finance professionals. And, of course, you won’t want to miss Anthony’s stories about memorizing central bankers in the shower, working in the chaos of the 2008 financial crisis, and what it was like growing up with a cage-fighting older brother.

If you're looking for insights on finance, career pivots, and the raw, unfiltered truth of making it in the industry, this episode is for you.

Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.

New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.

And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/

Enjoy the episode!

Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.