In this wide-ranging and candid conversation, Lance Roberts is joined by longtime friend and veteran television reporter Tom Zizka to discuss how media, markets, and economic reality have fundamentally changed over the past two decades. The discussion begins with the evolution of modern media—from the rise of social platforms and the "small screen" revolution to the growing pressures of monetization, speed, and narrative framing. Lance and Tom explore how storytelling has shifted from context-driven reporting to image-driven headlines, and what that means for public perception, trust, and accountability. From there, the conversation moves into markets and policy. Topics include the economic implications of Trump's re-election, why falling oil prices were driven more by markets than politics, and the disconnect between calls for expanded drilling and the reality of global oil gluts. The episode also examines farm subsidies, the critical role of farming and trucking in the U.S. economy, and why inflation—while unpopular—is often necessary for economic growth. The discussion extends to immigration, contrasting legal versus undocumented impacts on the economy, the power of imagery and narrative in shaping public opinion, and the widening wealth gap that continues to distort economic expectations. Lance and Tom also touch on cultural shifts, including the growing debate over college versus skilled trades, the rise of short-form video, and the increasingly complex checklist required for modern publication and media compliance. Blending humor, real-world reporting experience, and market insight, this episode offers a grounded look at how media narratives influence economic understanding—and why reality often looks very different once the headlines fade. 0:00 - INTRO 0:19 - The Tables are Turned 2:22 - Changes in the Media - the necessary evolution 4:30 - Media Monetization and The News 8:29 - The Advent of the Small Screen - Facebook 2010 11:12 - Dead People in Houston Bayous - the Bayou Butcher? 13:40 - Lance is a Cereal Killer 14:46- The Trump Re-election - What Did it Mean? 15:17 - Bringing Down Oil Prices - Markets Did That; Ending Restrictions on Drilling vs the Glut of Oil 19:50 - Texas Beef Production & Cow Tipping 21:46 - Immigration Methodology - Pictures & Narrative on Social Media, 24:13 - Immigration Impact on Economy - Legal vs Undocumented 29:45 - The Big Beautiful Bill or Big and Ugly 31:11 - Farm Aid Package - Farm Subsidies 35:07 - The Criticality of Farming & Trucking to the Economy 36:33 - Economic Reality & The Wealth Gap 41:30 - People Expect Prices to Go Down 42:35 - Why We Want Inflation - Economic Growth 45:27 - The Cycling Story - Criterion Racing - Lucas Bourgoyne 48:22 - Social Media Videos & In-Laws 50:09 - College vs Trades 52:58 - The Ever-growing Checklist for Publication Watch the Video of this interview on our YouTube channel: https://youtube.com/live/tsurGgQO88w #MediaAndMarkets #EconomicReality #FinancialMedia #OilPrices #WealthGap

The holidays bring families together—but they also create a rare opportunity to talk about something that truly matters: legacy. Richard Rosso & Sarah Buenger explore how thoughtful, well-framed conversations about money, wishes, and values can become one of the greatest gifts you give your family. Research shows that nearly 70% of parents have never discussed inheritance with their children, often leaving confusion, conflict, or unresolved questions behind. Questions lead to stories. Stories lead to understanding. And understanding builds a legacy that lasts beyond the holidays. 0:00 - INTRO 0:20 Santa's Elves & Christmas Ornaments 2:15 - parents who don't tell children about their inheritance. 3:21 - Holiday Legacy Guide 5:41 -Thoughtful conversations: Talking about Money is the greatest gift 9:33 - Conversation starters are tough - use an independent third party to help (friends, clergy, financial advisors, etc.) 12:52 - Care in framing the questions - no dead-end questions 14:46 - Long-lost money 17:34 - Ask about the pets - who gets it? 19:35 - Ask about he "final arrangements:" What do you want? - do it for the ones you love 24:19 - What would you do if you had a month to live? 26:51 - The strategy for learning what your family wants 29:59 - The Christmas Ornament 33:17 - The Tool: www.agingwithdignity.org - Five wishes Questions lead to stories, stories lead to conversations Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Sara Buenger, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/8_W5XkBMmF4?feature=share ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LegacyPlanning #FamilyFinance #EstatePlanning #HolidayConversations #FinancialWellbeing

Today's Q&A Wednesday is driven entirely by live YouTube chat questions, covering the market topics investors are most focused on right now. Lance Roberts & Danny Ratliff address real-time concerns around market volatility, Federal Reserve policy, interest rates, inflation, portfolio risk, asset allocation, and year-end positioning—without hype or speculation. This interactive session is designed to help investors better understand what matters, what doesn't, and how markets typically behave during periods of uncertainty. Rather than making predictions, we focus on context, probabilities, and risk management—answering your questions as they come in live. If you have a market question, join the conversation in the chat. If you're watching the replay, timestamps and chapter markers are included for easy navigation. 0:00 - INTRO 0:19 - Economic Data Disappoints 5:50 - Markets Re-Test 50-DMA 11:26 - Reindeer & Dwarfs 13:54 - Volatility Commentary 21:23 - Effects of the One Big Beautiful Bill on Charitable Donations 24:37 - Buybacks vs Dividends 26:42 - Expectations for Gold and Silver in 2026 33:25 - Economic Summit Tease 34:41 - TLT Shorts & Speculative Bets 37:37 - Best Portfolio Allocations for 2026 39:35 - What Investments Should NOT Be Held in a Roth IRA? 41:54 - RSI vs Value, MACD, & Volume Trading? 45:38 - Retiring at 63? 48:07 - Dealing with Future Risk 51:50 - Sectors and Stocks for 2026 56:07 - 403b's vs 457's 57:58 - Energy Plays for 2026 Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Consolidate After 50-DMA Test," is here: https://www.youtube.com/watch?v=X4PjkAGK804&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Year-End Checklist for Young Investors," here: https://www.youtube.com/watch?v=3Wyudzh3naw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #StockMarketToday #TechnicalAnalysis #YearEndMarkets #RiskManagement #MarketQandA #InvestorQuestions #MarketVolatility #FedPolicy #RiskManagement

After a three-day selloff, is the market still on track for 7,000? Last week's decline tested the 20-DMA momentum line — a level that has held strong since April. Futures are pointing higher this morning, suggesting the bullish trend remains intact. But with the S&P 500 still 10% above its 200-DMA, the risk of a deeper correction can't be ignored. In today's pre-market update, we'll cover: Why the 20-DMA is a key support level How far markets could fall if the 200-DMA is tested What analysts mean by a 7,000 target for the S&P 500 December's mutual fund distributions and their impact on markets Why the bullish trendline from October 2022 is still in play Despite near-term risks, the bigger trend remains constructive. The key is managing portfolio risk carefully as we move toward year-end. 📊 Stay tuned for data-driven insights to help you position your portfolio with confidence. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=N9QpnNyekoE&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #StockMarketUpdate #PreMarket #MarketCorrection #Investing #InvestingAdvice #Money #Investing

(7/21/23) Are you happy with the markets? You can't fight the tape; the slowdown of the consumer has yet to occur; transcripts of earnings calls have not been dire. How to deal with IRS Rules changes for IRA's. If the government is taking your money like this now, what will they do next? Why they're pushing Roth's: they want your money now. Inherited IRA's vs Roth's: Roth conversions as legacy strategy. (Why all the delay and confusion with RMD Rules?) The impact of caregiving on retirement plans. SEG-1: Happy with the Markets? SEG-2: Rule Changes for IRA's SEG-3: Inherited IRA's vs Roth's SEG-4: Impact of Caregiving on Retirement Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show, on our YouTube channel: https://www.youtube.com/watch?v=fk47pi935lM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Does Market Retracement Spell Return to All-time Highs? " is here: https://www.youtube.com/watch?v=NN8k5kM7TcE&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Living With the Lag Effect" https://www.youtube.com/watch?v=8w_xn1j5y1I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: The End of an Era for Stocks, Warns the Fed https://realinvestmentadvice.com/the-end-of-an-era-for-stocks-warns-the-fed ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #EarningsSeason #Inflation #EconomicIndicators #Retirement #Caregiving #Roth #IRA #Markets #Money #Investing

(7/20/23) Earnings season continues with Regional Banks' performance, "so far, so good," but related concerns persist. Markets have retraced over 78% of their decline from January 2022 all-time highs; are new, all-time highs about to he achieved? Are banks presently enjoying a perfect economic environment? Are companies pricing-in growth that cannot be delivered? Sector rotation impact; looking at the lag-effect; how to higher interest rates affect the US Treasury? Debt interest expense increases. (Teenager Blessings) Companies' ability to pass along price increases to consumers is easier when inflation is high; how will margins be affected? The Lag Effect affects us all, but differently. SEG-1: Regional Banks Earnings Update: So far, so good SEG-2: Markets Can't Stop/Won't Stop Mentality SEG-3: Looking for the Lag Effect SEG-4: Companies' Ability to Pass-on Inflation to Consumers Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer -------- Watch today's show, on our YouTube channel: https://www.youtube.com/watch?v=8w_xn1j5y1I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- The latest installment of our new feature, Before the Bell, "Does Market Retracement Spell Return to All-time Highs? " is here: https://www.youtube.com/watch?v=NN8k5kM7TcE&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Conundrum of Early Retirement" https://www.youtube.com/watch?v=SxcTJJ5TVoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: The End of an Era for Stocks, Warns the Fed https://realinvestmentadvice.com/the-end-of-an-era-for-stocks-warns-the-fed ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #EarningsSeason #LagEffect #Recession #Inflation #EconomicIndicators #RegionalBanks #Markets #Money #Investing

(7/20/23) Concerns of a bear market retracement are predicated on a credit-related issue, like, for example, the banking sector crisis. But Markets have now retraced over 78% of the decline from peak of January 2022. Historically, when markets make certain retracements through various levels of resistance (at which they can typically fail), and clear those levels, markets typically move higher. Beyond the 78% mark, there's no historic precedent for markets not hitting all-time highs. Notwithstanding, that does not mean a correction won't happen somewhere along the way. If markets do achieve another all-time high, possibly before the end of the year, or in early 2024, that will validate the correction that occurred in the 2022. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=NN8k5kM7TcE&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #BullMarket #MarketCorrection #AllTimeHigh #RebalancingRisk #Money #Investing

(7/19/23) Investors' return to exuberance: Is the worst behind us? More to come in August and September. Markets are still hoping for a rate cut; is that realistic? Markets may be getting ahead of themselves as earnings season continues; at 3-standard deviations above the averages, upside potential is limited. Regional Banks have priced-in bad news; why the democratization of finance is not necessarily a good thing. Who really benefits? In peer-to-peer lending, if it's too good to be true, it probably is . The conundrum of early retirement: Three things you should know. Janet Yellen now says, 'No recession;' better buckle up. Economic data vs Market sentiment. SEG-1: Investors' Return to Exuberance SEG-2: Earnings Preview; The Democratization of Finance SEG-3: The Conundrum of Early Retirement SEG-4: Janet Yellen: No Recession? Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show, on our YouTube channel: https://www.youtube.com/watch?v=SxcTJJ5TVoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- The latest installment of our new feature, Before the Bell, "Is Market Upside Limited?" is here: https://www.youtube.com/watch?v=_pc1n-0egAQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Investing Around Political Landmines" https://www.youtube.com/watch?v=HF3tiP2Am8I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: The End of an Era for Stocks, Warns the Fed https://realinvestmentadvice.com/the-end-of-an-era-for-stocks-warns-the-fed ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #EarlyRetirement #MarketExuberance #EarningsSeason #FinanceDemocratization #JanetYellen #Recession #EconomicIndicators #FiscalPolicy #Markets #Money #Investing

(7/19/23) Markets are excited as earnings season progresses with results beating (lowered) estimates; pay attention to what companies are saying about their earnings: Are they making more money...or less? Markets seem to be getting ahead of themselves; the small cap index has been lagging all year. The mega-caps have been driving the rest of the herd to rally, and that rally appears now to be broadening to include the smaller cap companies now. But markets are now three standard deviations above their moving averages, and at these extremes, upside becomes more limited. Don't be surprised to see markets actually relax a bit for a day or two for a correction back to the moving averages. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=_pc1n-0egAQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #BullMarket #LimitedUpside #20DMA #50DMA #100DMA #200DMA #MarketCorrection #RebalancingRisk #Money #Investing

(7/18/23) Bank earnings reports continue to bolster optimism: Will bailout facilities be enough? Manufacturing Indexes turn positive after too long in negative mode; looking for an upturn in the business cycle. Higher retail sales are expected; what will be the reality? Watch for signs of pullback in discretionary spending; Market rally and rising trendlines confirm bullish bias. The Baltimore Build: Productive vs Non-productive debt; choices and consequences of public policy. The crumble of the ESG facade: ESG goals were un-measurable; pressure by Blackstone for companies to be "ESG Compliant" proven hypocritical w appointment of Saudi Aramco CEO to Blackrock board. Larry Fink admits EGS is a "political landmine." How will the expiration of the Student Loan Debt repayment moratorium affect retail sales this Christmas? We do the math. Divorce and societal choices affect population/GDP growth. SEG-1: Bank Earnings & Optimism SEG-2: The Baltimore "Build:" Productive vs Non-productive Debt SEG-3: The Crumble of the ESG Facade SEG-4: How Will Student Loan Debt Repayment Impact Christmas Retail Sales? Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer -------- Watch today's show, "Investing Around Political Landmines" on our YouTube channel: https://www.youtube.com/watch?v=HF3tiP2Am8I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- The latest installment of our new feature, Before the Bell, "Time to Look at Rebalancing Risk," is here: https://www.youtube.com/watch?v=JJI-ypOQKVs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Why Should the Fed Lower Rates Now?" https://www.youtube.com/watch?v=lq5Cn-7cIrc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: The End of an Era for Stocks, Warns the Fed https://realinvestmentadvice.com/the-end-of-an-era-for-stocks-warns-the-fed ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #ESGInvesting #Blackrock #LarryFink #SaudiAramco #CorporateEarnings #Expectations #RetailSales #EconomicIndicators #FiscalPolicy #ProductiveDebt #DivorceParty #Markets #Money #Investing

(7/18/23) Markets have been trending upward on all three moving averages, 20-DMA, 50-DMA, and 100-DMA. When they're all in agreement, that's confirmation of a bullish market. And with the gap spread in these moving averages, there is broad support for markets. That being said, a 3- 5% corrective pullback should be expected at some point; all of these averages would suggest upside to prices is somewhat limited at this point. This would be a good time to take a look at rebalancing risk in portfolios. We are beginning to see some decent rotation into other areas of the market, particularly in the small- and mid-cap space. We're anticipating some pullback to occur in the seasonally-weaker months of Summer, late July and August. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=JJI-ypOQKVs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #BullMarket #20DMA #50DMA #100DMA #200DMA #MarketCorrection #RebalancingRisk #Money #Investing

(7/17/23) Markets are doing what they do: Can Earnings live up to expectations, going forward? Inflation (as measured) is coming down, but prices paid have not. There is competing data: Optimism vs Pessimism. Earnings results are not as important as what companies are saying about forward outlooks. Are Regional Banks in trouble? Has the risk of Recession lessened? If markets price-in recession, it won't happen; conversely, when it's not expected... That's how contrarian investing works. Tax Receipts are economic indicators, and they're not looking good. Looking at leading economic indicators in normal business cycles; the economy can slow only so much before oscillating to the upside. Look beneath the surface of media headlines, expect a pullback and buy into it. Outcomes are functions of choices, but no one wants to take responsibility for them. Example: Europeans are becoming poorer because of policy decisions over past few decades; the good and proper use of debt; non-productive debt is a wase of money. What's happening in the EU now will follow to the US: Political policies matter. SEG-1: Can Earnings Live Up to Expectations? SEG-2: Tax Receipts as Economic Indicator: Has Recession Risk Lessened? SEG-3: The Economy Can Slow Only so Much Before Oscillating SEG-4: Outcomes are Functions of Choices Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=5wHmPOWzeFk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- The latest installment of our new feature, Before the Bell, "Net Interest Income is Off the Charts," is here: https://www.youtube.com/watch?v=xAdmBmtHWjc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Why Should the Fed Lower Rates Now?" https://www.youtube.com/watch?v=lq5Cn-7cIrc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: The End of an Era for Stocks, Warns the Fed https://realinvestmentadvice.com/the-end-of-an-era-for-stocks-warns-the-fed ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #CorporateEarnings #Expectations #TaxReceipts #EconomicIndicators #FiscalPolicy #ProductiveDebt #Markets #Money #Investing

(7/17/23) Regional banks have been "in trouble" since the first of the year, thanks to higher interest rates and declining collateral values. Customers' moving deposits to bigger banks and money market funds has created an outflow from the regionals. While that has seemed to have stabilized the sector, investors should ask, 'can the banking environment get any better for banks?' Consider: With the Fed Funds Rate at 5% and credit card rates at 22%, net interest income is off the charts, upwards of 50%. Despite that, banks sold off in Friday's markets. Consider, too: with financials being a big part of the S&P, if things cannot get any better than this, it's going to be challenging for the S&P to continue to rise indefinitely without financials participating in the markets. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=xAdmBmtHWjc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #FinancialSector #RegionalBanks #FederalReserve #InterestRates #BankIncome #Money #Investing

(7/13/23) Elon Musk's ChatGPT challenger, xAI, is the source of an order boom for NVDIA chips. Meanwhile, markets respond to a cooler-than-expected CPI print. Social Media Influencers & Human Bait; Digesting CPI: The difference bweteen YOY and MOM numbers. What's the Fed's next move? Why would/should the Fed lower rates now? Why the Fed will do what it takes to save the banks; saving their rate "cushion" for a rainy day. What about risk from Commercial Real Estate? What are the Big Banks thinking? Margins are at risk, at lowest levels in 30-years. Regional Banks' stories will be more interesting; banks' Loan Loss Reserves are key. They Fed says it's the end of an era for stocks: Corporate profits of late have relied heavily on low taxes and interest rates. What does that infer going forward about continued corporate and GDP growth? The problem with higher-than-normal valuations; Bonds' alternatives; the impact (or not) of stock buy backs. SEG-1: Elon's xAI = NVDIA Chip Order Boom SEG-2: Digesting CPI: The differency between YOY & MOM SEG-3: What's the Fed Doing Next? SEG-4: The Fed: The End of an Era (for Stocks)? Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/c/TheRealInvestmentShow -------- The latest installment of our new feature, Before the Bell, "Does CPI Change Fed's Rate Hike Views?," is here: https://www.youtube.com/watch?v=ga0EkmNE7CQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "How to Avoid Fatal Flaws in Modern Financial Planning" https://www.youtube.com/watch?v=qKIfpOqAENM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: The End of an Era for Stocks, Warns the Fed https://realinvestmentadvice.com/the-end-of-an-era-for-stocks-warns-the-fed ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #CPI #FederalReserve #InterestRates #Inflation #ElonMusk #xAI #Markets #Money #Investing

College planning season is here — and the last quarter of 2025 brings critical deadlines for students and parents. Jonathan Penn and Sarah Buenger break down what you need to know about FAFSA, scholarships, and smart funding strategies for higher education. 🎓 Topics Covered: Applications: Why applying to multiple in-state schools boosts negotiating power. FAFSA 2025–26: Key deadlines, why it's required (even if you don't qualify for aid), and how it impacts merit-based scholarships. Appeal Process: How a simple email to admissions could mean thousands in additional aid. Scholarship Season: Deadlines, organization tips, and tools to stay ahead. Policy Updates: Tuition freezes in Texas & Indiana, Supreme Court rulings on admissions, and new LOWER student and parent loan caps. Whether you're a parent preparing for college costs or a student looking to maximize scholarship opportunities, this guide will help you navigate the education planning landscape with confidence. 👉 Subscribe for more financial education tips and stay ahead of upcoming deadlines. SEG-1a -Intro and Market Analysis SEG-1b: Clients' Concerns - Portfolio Onboarding SEG-1c: What to Do if All in Cash? SEG-1d: Planning for College Funding in Present Market SEG-1e: College Admission & Aid Appeals SEG-1f: Filling Out FAFSA SEG-1g: Targeting Scholarships SEG-1h: Loan Limits & Tuition Locks SEG-1i: Never Sacrifice Your Retirement for Your Children's College SEG-1j: Trade School vs Four-year Degrees SEG-1k: Account Structuring for College Money Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Accommodative Or Restrictive? Decoding The Fed's Latest Move" https://realinvestmentadvice.com/resources/blog/accommodative-or-restrictive-decoding-the-feds-latest-move/ -------- Watch today's video on YouTube: https://youtu.be/u6hCm4D4et4 -------- The latest installment of our new feature, Before the Bell, "Market Pullback or Just a Pause?" is here: https://www.youtube.com/watch?v=AYd7d13Iu1Y&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Accommodative or Restrictive? Decoding the Fed's Latest Move " is here: https://www.youtube.com/watch?v=oDHV6eIWGlI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday ##FAFSA2025 #CollegePlanning #ScholarshipTips #StudentLoans #FinancialPlanning #StockMarketAnalysis #DecodingTheFed #FederalReserve #FedDecision #InterestRates #MarketOutlook #InvestingAdvice #Money #Investing

(7/13/23) A weaker-than-expected .2% CPI report resulted in a market rally that broke out of the consolidation range. Markets interpreted the drop to 3% YOY inflation to infer the Fed will halt its interest rate hike campaign, if, in fact, the FOMC raises rates (for a final time) this month. Sell signals are about to flip to "buy." Most of today's action will be tech-driven. At this point, there's not a lot to stop markets from once again reaching all-time highs. Note, however, that we're in the seasonally weak time of the year; the put/call ratio is "put-hate" across the board, with no one really believing the market can decline here. We still believe there is the possibility of a short term correction this summer. Use dips as an opportunity to buy-in to markets. Recession concerns remain, but the markets are looking well-past that now. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=ga0EkmNE7CQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #CPI #Inflation #FederalReserve #InterestRates #20DMA #50DMA #SellSignal #Money #Investing

(7/12/23) Markets' anticipation of inflation would result in a moderate decline (in fact, June CPI printed at .2% for a 3% inflation rate). Meanwhile the NFIB report reflected improving moods among small businesses, and other data shows consumers are more confident about spending money = more inflation. How do companies protect profit margins? Cut costs and/or raise prices = inflation. Speculative mood is returning to markets. Charlie Munger: The first $100k is the toughest. avoid distractions from long-term goals by short-term narratives. Things rich people do: Shopping with coupons (remember S&G Green Stamps?) The significance of your savings rate. Choosing to build wealth (avg. work week = 34.5/hours vs entrepreneurs' work habits). Savings strategies & priorities and avoiding the lifestyle creep. There are no shortcuts to building wealth: Saving 30% of income, for starters. The flaws in modern financial planning include unrealistic gains and ignorance of negative returns: Why pensions fail. Managing need, wants, wishes. SEG-1: CPI Day: Markets Anticipation of Inflation SEG-2: How to Make Your First $100k SEG-3: Savings Strategies & Priorities SEG-4: Fatal Flaws in Modern Financial Planning Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=qKIfpOqAENM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell , "Why We've All Become Bettors Against the CPI," is here: https://www.youtube.com/watch?v=dlsvcU1JnIA&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Surplus Cash is Ending" https://www.youtube.com/watch?v=pd02kgURCXA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: Q2 Earnings Season Begins – Will It Support The Bulls? https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #BuildingWealth #FinancialPlanning #Savings #ConsumerSpending #Economy #CPI #FederalReserve #InterestRates #Markets #Money #Investing

(7/12/23) CPI predictions ranged from .5% to flat, prior to the announcement that inflation in June rose only .2%. Year-over-year inflation rose 3%, less than the more recent 4% inflation. Predicted reactions to that number illustrated just how silly we've become about CPI, basically being bettors against the number, like Eddie Murphy in "Trading Places" betting on orange futures. Markets have been consolidating prices over the past few weeks, and upside has been limited. A "hot" reading would have triggered a move to the downside, and a "cool" number would have prompted a breakout to the upside. With a reading close to the .2% expectations, don't look for markets to do much of anything. [NOTE: This report was recorded prior to release of today's CPI Report] Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=dlsvcU1JnIA&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #CPI #Inflation #FederalReserve #InterestRates #20DMA #50DMA #SellSignal #Money #Investing

(7/11/23) The next CPI report is on the way: What will the Fed say? Why Core Inflation matters; investors are dancing from one form of FOMO to the other. NFIB report preview; defining the rally: A bullish stampede followed by correction. Average credit card payments are higher than ever, thanks to interest rate hikes; the effect on car loans and credit cards. Surplus cash is ending. How much longer before consumer spending slows? Is Recession still coming? Why companies are "hoarding" employees. Stock Risks: Infinite damnation vs finite cost. Beating the index is a con game. Market futures; NASDAQ Index rebalancing preview as fund managers prepare. The markets' ability to absorb news and risk. This is a different environment than 2020, but eventually, fundamentals will matter. The problem of refinancing debt (the market already knows and has priced in the event.) SEG-1: CPI Preview: What's the Fed to Do? SEG-2: Credit Card Debt & The Fed's Wage/Price Spiral SEG-3: Beating the Index: The Biggest Con on the Markets SEG-4: NASDAQ Index Rebalancing Preview Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=pd02kgURCXA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s -------- The latest installment of our new feature, Before the Bell | "Can Markets Do No Wrong?" is here: https://www.youtube.com/watch?v=J-oU-DajfGE&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Inside the Q2 Reports: Why Sales Matter" https://www.youtube.com/watch?v=0BrLi52A6CA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=6s -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: Q2 Earnings Season Begins – Will It Support The Bulls? https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #ConsumerSpending #Economy #CPI #FederalReserve #InterestRates #Markets #Money #Investing

(7/11/23) Markets remain atop the 20-DMA, seemingly doing nothing wrong at this point, continuing to drift-up that average. We are still on a sell-signal from elevated levels, and the current bullish stampede has been underway from some time, way longer than the typical 15-day cycles. We're due for a correction, and that will provide an opportunity to put capital to work. The differential between a bear market and a correction is how fast you get back to all-time highs. We believe we're on pace to achieve new all-time highs by the end of this year. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=J-oU-DajfGE&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #FederalReserve #InterestRates #Inflation #20DMA #50DMA #SellSignal#Money #Investing

(7/10/23) NVDIA sets the tone as Earnings Season begins. Companies this time need to achieve a double-beat on earnings as well as sales. Banks & Financials will lead the way this week: What will Loan Loss Reserves foretell? Employment report missed estimates for the first time in 14-months. Has the market sell-off begun? Examining the relationship between the markets and the economy: Why Sales matter (and the problem with depending on Operating Earnings). The impact of stock buy-backs (and associated accounting gimmicks) on earnings; just how profitable are companies, really? The downside of buy-backs and the need for bailouts. What if the Recession is still out there? Preview of the NFIB Small Business Report: Why no one pays attention. Is the trough of economic weakness behind us, or more to come? The Roberts' Family weekend; still a lot of bullish attitudes in the markets; FOMO is back. Investors are more focused on fewer stocks; the Fed is caught between the markets and inflation. Earnings estimates do not support what is happening in most companies. If you missed the boat, another one is coming. SEG-1: Earnings Season Begins: Beware NVDIA SEG-2: The Markets vs The Economy: Why Sales Matter SEG-3: NFIB Small Business Preview SEG-4: Robert's Family Weekend; FOMO is Back Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=0BrLi52A6CA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=6s -------- The latest installment of our new feature, Before the Bell | "Will the Market Sell-off Continue this Week?" is here: https://www.youtube.com/watch?v=3Tv1HWX0XWQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Shifting from Accumulation to Distribution in Retirement" https://www.youtube.com/watch?v=V0FtoN-4dZw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Articles mentioned in today's show: Q2 Earnings Season Begins – Will It Support The Bulls? https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #EarningsSeason #SalesResults #Employment #Economy #FederalReserve #InterestRates #Markets #Money #Investing

(7/10/23) Markets are sitting atop the 20-DMA following last week's sell-off action; if markets are going to hold at this level, they need to hold at the 20_DMA, but futures are pointing south ahead of the opening bell. Markets need a reason to rally, but are still on a sell-signal. Sideway consolidation has been underway for the past couple of weeks. If markets break through support at the 20-DMA, they will look to retest the 50-DMA, and that will give us the correction we've been looking for. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=3Tv1HWX0XWQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #FederalReserve #InterestRates #Inflation #20DMA #50DMA #SellSignal#Money #Investing

(7/7/23) The Fed's Trillion-dollar question is whether they can thread the needle between a strong market and economic data and the need to control inflation; the market must realize the Fed's not done yet. Market resiliency remains surprising. Who will play the part of Elon Musk in biopic film? Our next Candid Coffee teaser: Mid-year Economic Review. Stock exposure in late-stage portfolios: Shifting from accumulation to distribution mode. Avoiding the black hole of retirement; being initially conservative. Portfolio allocations are meant to be fluid. Variables like maxed-out SS, life expectancy; respecting the retirement guardrails. How do Millionaires spend their money? No processed food: Health = wealth; no cheap stuff; buy in the middle. Look for dependability in durable goods purchases. SEG-1: The Fed's Trillion-dollar Question SEG-2: The Big Shift: Accumulation to Distribution in Retirement SEG-3: The Big Shift, Pt-2 SEG-4: How Millionaires Spend Money Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=V0FtoN-4dZw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell | "What Bond Prices are Telling us About the Economy" is here: https://www.youtube.com/watch?v=yDypZ7rQbHg&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Employment Report Preview" https://www.youtube.com/watch?v=KLxNlWup0xM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #Retirement #Distribution #Accumulation #Millionaire #Employment #Economy #FederalReserve #InterestRates #Markets #Money #Investing

(7/6/23) What to watch for this earnings season: What is the quality of earnings--are companies selling more stuff? Is corporate outlooks still strong? Employment Report tomorrow (7/7) is markets' focus. Pressure is on for Long-term Bonds. Janet Yellen goes to China; Is the whole Employment calculation being done incorrectly? If employment is strong, improvement in services resulting in expansion = inflationary: This is not an environment for cutting rates. The emergence of "Greedflation:" Is it just limited supply in the face of demand? No one thinks about companies' input costs. Now, as prices are starting to fall, how will this affect earnings estimates? The Cure for Inflation is Inflation. Problems occur when government interferes with economic process. Interest rates are a function of economic strength: The Physics of Economics. SEG-1: What to Watch for This Earnings Season SEG-2: Is the Employment Calculation Wrong? SEG-3: Greedflation or Economics 101? SEG-4: The Physics of Economics Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=KLxNlWup0xM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- The latest installment of our new feature, Before the Bell | "What Bond Prices are Telling us About the Economy" is here: https://www.youtube.com/watch?v=yDypZ7rQbHg&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Welcome to the Second-half of 2023" https://www.youtube.com/watch?v=Mp6FP4Jx1Ds&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=30s -------- Article Mentioned in Today's Show: "Treasury Yield Curves – Is This Inversion Different?" https://realinvestmentadvice.com/treasury-yield-curves-is-this-inversion-different ------- Register for our next web event: https://us06web.zoom.us/webinar/register/6816835709464/WN_ItmsNXpsRs2uKE6xOrJtdg ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #Employment #Inflation #Jobs #EarningsSeason #CorporateEarnings #BondYields #Markets #Money #Investing

(7/6/23) Bonds have been under pressure of late as the Fed has begun talking again about needing to raise interest Rates. But interest rates on the long end are not controlled by the Fed; they're dictated by economic growth (or lack thereof). The Federal Reserve controls the short-end of the yield curve, and hiking interest rates does not necessarily mean long-term bonds will be so affected. A recession and a slower economy due to inflation will be factors driving the long-end of the curve. Bonds have never been this depressed since the start of the current century. Bond prices will rise and yields will fall with a slower economy, and that's the thing to watch for. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=yDypZ7rQbHg&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 ------- Register here for our next live webinar: https://us06web.zoom.us/webinar/register/3416835709522/WN_ItmsNXpsRs2uKE6xOrJtdg ------- 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/ #InvestingAdvice #FederalReserve #InterestRates #Bonds #YieldCurve #Inflation #Money #Investing

The Federal Reserve's latest move has investors asking: Is policy turning more accommodative or staying restrictive? Lance Roberts and Michael Lebowitz decode the Fed's decision, cut through the jargon, and explain what it means for markets, rates, and your money. We'll cover: What the Fed actually signaled last week The difference between accommodative and restrictive policy How markets typically react to these shifts Key risks for stocks, bonds, and the economy going forward Stay tuned as we unpack the Fed's message and put it into plain language for investors navigating uncertain markets. SEG-1a: On becoming "vintage" and Irrational Exuberance SEG-1b: Markets Appear to be Pulling Back SEG-2a: Jerome Powell's "Fairly Valued" Market Assessment SEG-2b:The Virtual Circle of the Markets & Economy SEG-2c: Quad Chart: Is the Fed too Easy or too Restrictive? SEG-2d: Markets Are Always Searching for a Narrative SEG-2e: AI Impact - A Double-edged Sword SEG-2f: What Credit Spread Compression is Telling Us SEG-2g: How We Manage in the Markets Now SEG-2h: The Fed Jargon Test Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, ww Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Accommodative Or Restrictive? Decoding The Fed's Latest Move" https://realinvestmentadvice.com/resources/blog/accommodative-or-restrictive-decoding-the-feds-latest-move/ -------- Watch today's video on YouTube: https://www.youtube.com/watch?v=oDHV6eIWGlI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Market Pullback or Just a Pause?" is here: https://www.youtube.com/watch?v=AYd7d13Iu1Y&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Strange Recession Signals: What Markets & Odd Indicators are Telling us" is here: https://www.youtube.com/watch?v=UKIv4RZn6sE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #PreMarketUpdate #MarketPullback #EnergyStocks #StockMarketAnalysis #DecodingTheFed #FederalReserve #FedDecision #InterestRates #MarketOutlook #InvestingAdvice #Money #Investing

(7/5/23) Welcome to the second-half of 2023: Q2 earnings season is revving up, as markets' performance divergence from economic indicators creates the question: Who's right, and where to now? What about the Wealth Gap, the Wealth Effect, and Consumer Confidence? Earnings season commences with massive cuts in earnings estimates (so that the beat rate will be high!) What about the Quality of earnings and revenue? Reported earnings since the pandemic are up +500%, while revenue is up only +100%; how is that possible or sustainable? NVDIA's predictions are not supportable: 40X price-to-sales ratio in a market where there are other players (AMD); valuations do not support growth. Apple has 8x price to sales with 25% market share. The story of Lance's Laundry and today's shirt choices. The continuing saga of the Roberts' Real Estate; did increasing home values feed The Great Resignation? Correlation and Causation are not always connected. Spurious Correlations and a look at real Employment/Unemployment vs "The Numbers:" 40-million are not working...and not being counted, either. SEG-1: Q2 Earnings Season Begins SEG-2: Earnings Estimates Decline: What About Quality of Earnings & Revenue? SEG-3: Lance's Shirts & Roberts' Home Sales Saga SEG-4: Spurious Correlations & Real Employment Numbers Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=Mp6FP4Jx1Ds&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=30s -------- The latest installment of our new feature, Before the Bell | "Will Economic Data Catch Up with Market Sentiment?" is here: https://www.youtube.com/watch?v=j1Zl-TPrYtE&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Lessons from the Luling Watermelon Thump" https://www.youtube.com/watch?v=4C0g2xXwOGE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Article Mentioned in Today's Show: "Treasury Yield Curves – Is This Inversion Different?" https://realinvestmentadvice.com/treasury-yield-curves-is-this-inversion-different ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #Employment #UnEmployment #GreatResignation #HousingMarket #EarningsSeason #Markets #Money #Investing

(7/5/23) markets are back up to 52-week highs, and analysts expect we'll tough all-time highs by the end of the year. There are myriad levels of support throughout the market to keep it in a bullish trend until year's end. None of this sets aside the fact that we could still have a 3- to 5% correction this summer. In fact, such a correction SHOULD be expected, as that is normal during any given year. That event would create a much better opportunity on a risk/reward basis to put capital back to work. Meanwhile, economic data continues to read weaker, with manufacturing data released on Monday pointing to anemic activity. So who's right? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=j1Zl-TPrYtE&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 ------- 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/ #InvestingAdvice #MarketSentiment #EconomicGrowth #ManufacturingIndex #Money #Investing

(7/4/23) When helping adult children financially hurts, them AND you. The benefit of making kids learn early to pay taxes. Learning to use debt strategically. Paying back the student loans working at Sam's Club. SEG-1: Consumer Confidence & Expectations on the Rise; The Fed: "Drat!" SEG-2: Why Lower Interest Rates are NOT Coming Bank SEG-3: When Helping Your Adult Children Hurts--Them and You. SEG-4: Paying Back Debt; No Volatility; Boost Retirement Income 29% Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch the full show from which these segments were excerpted on our YouTube channel: https://www.youtube.com/watch?v=4lwgXEy5xfc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- The latest installment of our new feature, Before the Bell | "US Sanctions Against Chip Sales to China Deflate Stocks" is here: https://www.youtube.com/watch?v=VwG1fzY5p5s&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Could "Revised" Economic Data Drive Rates Higher?" https://www.youtube.com/watch?v=nPPvClZxJ78&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- Article Mentioned in Today's Show: "Bull Trap Or A Bull Market?" https://realinvestmentadvice.com/bull-trap-or-a-bull-market/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #InterestRates #FederalReserve #EconomicGrowth #AdultChildren #StudentLoanDebt #MarketVolatility #RetirementIncome #Markets #Money #Investing

(7/3/23) Larry Fink has a change of heart about ESG? The scam that is ESG. For real change, boycott the companies (Blackrock) that invest in "woke" businesses; literally move your money away from Blackrock. Lance lays out the evidence. Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- The full show from which this segment is excerpted can be found here: https://www.youtube.com/watch?v=nPPvClZxJ78&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2&t=7s -------- Article Mentioned in Today's Show: "Bull Trap Or A Bull Market?" https://realinvestmentadvice.com/bull-trap-or-a-bull-market/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #SecondQuarterResults #MarketCorrection #Inflation #DataRevisions #Blackrock #LarryFink #ESGinvesting #Markets #Money #Investing

(6/30/23) Markets appear to be breaking out of the malaise; when does the market train run out of steam? Lessons from the Luling Watermelon Thump (IYKYK): a.) Don't eat all of the chicken all at once; b.) Don't owe nothing to nobody; c.) The heat won't kill you until it does; d.) Hay is gold; e.) Small amount of quality over a stack o' nothing (buy in the middle); f.) The past has a place, but don't forget the present; g.) You can fool yourself, but the pigs will still laugh at you. Mid-year Economic Review preview (it's July 22nd); How to boost your retirement income by 29% with annuities; must be planned for, not sold to. The 4% Rule is done. SEG-1: When Does the Market Train Run Out of Steam? SEG-2: Lessons from the Luling Watermelon Thump, Pt-1 SEG-3: Lessons from the Luling Watermelon Thump, Pt-2 SEG-4: How to Boost Retirement Income Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=4C0g2xXwOGE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell | "The Risk-Reward in the Markets is Limited" is here: https://www.youtube.com/watch?v=9EBMcx3r3KA&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Is a Recession Yet to Come?" https://www.youtube.com/watch?v=ProPPk4AvOw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- Article Mentioned in Today's Show: "Treasury Yield Curves – Is This Inversion Different?" https://realinvestmentadvice.com/treasury-yield-curves-is-this-inversion-different ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #MarketExuberance #FinancialAdvice #RetirementIncome #Annuity #LulingTexas #LulingWatermelonThump #Markets #Money #Investing

(6/29/23) Yankee pitch a perfect game, as Bank Stress tests all reveal perfect scores(!); no bailout required. Yet. Markets are still betting on lower rates, but liquidity remains. Money market accounts are in high-demand. Yield curves suggest Recession is still to come. The economy is based on debt: New Debt and Old Debt. Jerome Powell says more rate hikes to come. The Yankee's perfect games (4): all pitchers' names begin with "D." Who's right: Markets or the Fed? Debt generates growth; banks' customer base enables loan-making. Debt to GDP ratios now at 4x. Yield Curve un-inversion is what matters. Recessions typically follow 16-months after yield curve inversion; it's been only 12. The Fed doesn't want to raise rates but is happy to keep them where they are. The Death of the Dollar? Collapse of diamond prices and decline in Gold. No fear in the markets w surge in consumer confidence: the Fed's conundrum. When the market is bullish, invest for today. Why should the Fed cut rates if the economy is humming along? SEG-1: Perfect Games and Bank Stress Results SEG-2: Has the Havoc Already Happened? SEG-3: Who's Right: Markets or the Fed? SEG-4: Markets are Bullish: Invest for Today Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=ProPPk4AvOw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- The latest installment of our new feature, Before the Bell | "The Risk-Reward in the Markets is Limited" is here: https://www.youtube.com/watch?v=9EBMcx3r3KA&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Why Lower Interest Rates Are NOT Coming Back" https://www.youtube.com/watch?v=4lwgXEy5xfc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- Article Mentioned in Today's Show: "Treasury Yield Curves – Is This Inversion Different?" https://realinvestmentadvice.com/treasury-yield-curves-is-this-inversion-different ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #InterestRates #FederalReserve #EconomicGrowth #YieldCurve #Recession #BankStress #Markets #Money #Investing

(6/29/23) Markets Wednesday opened weak, rallied strongly, and then sold-off. But markets were slightly positive from where they opened for the day. Support levels are holding this morning, with futures looking higher. The "threat" is two remaining days for quarter-end portfolio rebalancing. We're still on a sell-signal, which doesn't mean prices necessarily decline sharply, but indications are for a limited upside, and a downside potential of between 200- and 300-points. Remember, a 5- to 10% correction is completely normal in any given year, and such action would likely provide a better entry opportunity heading into the end of the year. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=9EBMcx3r3KA&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 ------- 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/ #InvestingAdvice #MarketCorrection #Recession #EconomicGrowth #QuarterEndRebalancing #Money #Investing

(6/28/23) Consumer confidence is on the rise, along with company expectations; the Fed says, "Drat!" Rising markets ease economic conditions, which will bring inflation back into the economy. Trade sanctions against China could deflate markets; AI has been the "new theme" this year. Danny's Canadian travelogue. Why low interest rates are NOT good for the economy; rates are always a function of economic growth. Howard Marks on interest rates. The problem with financing debt; living in the alternative universe of Apple's VR. When helping adult children financially hurts, them AND you. The benefit of making kids learn early to pay taxes. Learning to use debt strategically. Paying back the student loans working at Sam's Club. According to the VIX, there's no volatility in the market. How to boost retirement income by 29% with annuities (they're not for everyone!) SEG-1: Consumer Confidence & Expectations on the Rise; The Fed: "Drat!" SEG-2: Why Lower Interest Rates are NOT Coming Bank SEG-3: When Helping Your Adult Children Hurts--Them and You. SEG-4: Paying Back Debt; No Volatility; Boost Retirement Income 29% Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=4lwgXEy5xfc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- The latest installment of our new feature, Before the Bell | "US Sanctions Against Chip Sales to China Deflate Stocks" is here: https://www.youtube.com/watch?v=VwG1fzY5p5s&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Could "Revised" Economic Data Drive Rates Higher?" https://www.youtube.com/watch?v=nPPvClZxJ78&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- Article Mentioned in Today's Show: "Bull Trap Or A Bull Market?" https://realinvestmentadvice.com/bull-trap-or-a-bull-market/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #InterestRates #FederalReserve #EconomicGrowth #AdultChildren #StudentLoanDebt #MarketVolatility #RetirementIncome #Markets #Money #Investing

(6/28/23) The latest threat to the chip industry is a proposed Biden Administration trade sanction against Chine--restricting sales of AI-related chips from companies like NVDIA. Washington remains concerned about the impact of artificial intelligence; Chip stocks may be under pressure today as a result. As we move into the final days of the month (and the Quarter), markets yesterday got a nice, 1% bounce, as expected. The moves reversed the corrective action in the markets. Surprisingly, Volatility remains extremely low, demonstrating the correlation between volatility and Fed rate hikes and the lag rate thereof. Keep a watch on the VIX and the propensity to spike from these low levels. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=VwG1fzY5p5s&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 ------- 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/ #InvestingAdvice #China #TradeSanctions #ChipStocks #NVDIA #AI #VolatilityIndex #VIX #Inflation #FederalReserve #QuarterEndRebalancing #Money #Investing

(6/27/23) The Quarter's end nears and markets face increased selling pressure as portfolio managers rebalance holdings. There is still room for a 5- to 10% correction this summer. MACD Sell signal is now in place, with $26-B worth of potential selling on the line. There is now a bigger risk from inflation data revisions; is there too much market exuberance? Whoa--Larry Fink has a change of heart about ESG? The scam that is ESG. For real change, boycott the companies (Blackrock) that invest in "woke" businesses; literally move your money away from Blackrock. Is this a Bull Market or a Bull Trap? A word about Fibonacci magic; the importance of staying focused on investment rules; markets are bullish now so act accordingly. YouTube Q&A segments on purchasing used vs new cars; how do you want to be taxed: Property taxes vs sales taxes in Texas; Preparing for the annual "adjustments" to economic data, which we suspect will have negative ramifications, and could alter Fed stance on raising rates sooner than later. SEG-1: Selling Pressure Increases on Markets at Quarter's End Nears SEG-2: Larry Fink's ESG Change of Heart SEG-3: Bull Market or Bull Trap, and Fibonacci Magic SEG-4: YouTube Q&A - Is now a good time to buy a car? SEG-4b: Property Taxes vs Income Taxes: How do you want to be taxed? SEG-4c: Preparing for Economic Revisions to Inflation Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=nPPvClZxJ78&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s -------- The latest installment of our new feature, Before the Bell | "Revised Inflation Data: Not to Be Ignored " is here: https://www.youtube.com/watch?v=bsQjTovqnA8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Is FOMO Back as Markets Correct?" https://www.youtube.com/watch?v=u38xjcVeKpE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2s -------- Article Mentioned in Today's Show: "Bull Trap Or A Bull Market?" https://realinvestmentadvice.com/bull-trap-or-a-bull-market/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #SecondQuarterResults #MarketCorrection #Inflation #DataRevisions #Blackrock #LarryFink #ESGinvesting #Markets #Money #Investing

Markets are gently pulling back after 107 straight days without a 2% swing—one of the longest quiet stretches in recent history. While we're not calling for a crash, momentum and breadth are weakening as money flows decline, signaling that more sellers may be stepping in. At the same time, energy stocks are showing relative strength, breaking out even as oil prices remain flat around $64/bbl. Could energy be the bullish story while the broader market cools off? Lance Roberts break down: Why extended streaks of gains often invite short-term corrections The dichotomy between strong trends and weakening internals What rising energy stocks could mean for sector rotation Key risks to watch as markets digest their overbought positions Stay tuned for market insights before the opening bell and learn how to navigate the push-and-pull of trends vs. internals. 👉 Don't forget to like, subscribe, and share for daily market insights. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=AYd7d13Iu1Y&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #PreMarketUpdate #MarketPullback #EnergyStocks #StockMarketAnalysis #InvestingAdvice #Money #Investing

(6/27/23) Markets are looking forward as the quarter's end rebalancing commences. However, revisions to economic data and a clearer picture of inflation should not be discounted. As the year-over-year comparisons begin to narrow, there is the possibility for an uptick in inflation, which would be a catalyst for the Fed to raise rates once again...something markets have not been pricing-in. The real risk to markets is a re-acceleration of inflation, leading the Fed to hike again. The recent run-up in Tech stocks has been driven on the thesis of lower inflation and lower rates, and higher rates of growth over time. A more aggressive Fed will be a problem. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=bsQjTovqnA8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #InvestingAdvice #Inflation #FederalReserve #MarketExuberance #QuarterEndRebalancing #Money #Investing

(6/26/23) Weekend recap: The coup that was over before it started; everyone is now a deep-sea exploration expert. Thanks, Internet. End of Quarter dynamics are toying with markets: What will be seen in Q-2 results? Portfolio rebalancing by fund managers create sector rotation & selling pressure. Markets will re-test 20-DMA. Buy signals drive markets; when sell signals are triggered two things may happen: a.) market consolidation sideways, or b.) correction back to support. July & August produce weaker price performance. An application of Pascal's argument on God's existence to stock ownership risks over time. 90% of fund managers underperform the index. Markets are still betting on a "New Bull Market." Last October's lows appear to have been validated. Markets are still dealing with AI "bubbleliciousness." Why prices move: The market is just one big auction. Why Technicals matter more than Fundamentals: Technicals measure sentiment; what is the market saying? Prices are falling as markets correct; FOMO is back. The impact of higher interest rates on smaller companies. Learning to live with higher rates; Bonds vs Stocks. The average maturity dates of junk bonds is shrinking; the risk of default rises over time. The bond market is all about math. SEG-1: What Will Be Seen in Q-2 Results? SEG-2: Does Stock Ownership Risk Decline Over Time? SEG-3: Markets Still frothy with AI Bubbleliciousness SEG-4: The Impact of Higher Rates on Smaller Companies Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=u38xjcVeKpE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2s -------- The latest installment of our new feature, Before the Bell | "Markets Are Driven by Buyers" is here: https://www.youtube.com/watch?v=QRV-ZYprfUA&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "How You, too, Can Retire at 55" https://www.youtube.com/watch?v=bkFfgAVwzLU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Article Mentioned in Today's Show: "Speculation In A.I. May Face Challenges" https://realinvestmentadvice.com/speculation-in-a-i-may-face-challenges/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #SecondQuarterResults #MarketCorrection #FOMO #ArtificialIntelligience #Risk #Stocks #Bonds #Markets #Money #Investing

(6/26/23) Markets have been on very strong buy signal, driving market acceleration, and extending markets far above their long term moving averages. A correction was highly likely, and on Friday, sell signals were triggered. Markets are expected to open weaker this morning, and if they close lower today, the MACD sell signal will also be triggered. Do markets have to have a big correction? No, but in the short term, expect prices to be under pressure. We expect July and August to produce weaker price performance. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=QRV-ZYprfUA&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 ------- 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/ #InvestingAdvice #MarketCorrection #MarketSellOff #200DMA #50DMA #Money #Investing

(6/23/23) HOUR ONE: Stories from Texas families; Market commentary: The Fed's Kabosh on Inflation: Muckflation; slow-grinding stagflation as liquidity is drained from the system. Why Roths are the J. G. Wentworth for the Gov't.; Tax benefits of a Roth; dodging the tax torpedo. Scarlet & Flo: Bring back 'Kiss my Grits;' the most-popular US migration destination cities; Why did Darden purchase Ruth's Chris' as affluent shoppers flock to Dollar Tree? Emerging Retirement Trends: Tiny Home Villages, early retirement by 55; nobody wants their parents' home; healthcare insurance will be a challenge; NO debt is key. HOUR-TWO: (Live Q&A from Radio listeners & YouTube audience) Money Dates: Couples becoming more engaged in money decisions. The Zuckerberg-Musk cage-match: Are we living in the Babylon Bee? Financial advisors become mentors for wealth, health, & emotions. The Mid-Year Economic Review preview; The Percentage of Americans w Financial Advisors; Successful financial planning vs emotion & instant gratification. The importance of placing bonds in a portfolio: What's driving yields? (Hint: It's not the Fed). US Bonds: We're the cleanest pig in the pen. Barbelling Bonds. Picking a Financial Advisor is like choosing a personal physician; The Millionaire Next Door & The Wealthy Barber; holistic approaches to building wealth. How Millionaires actually spend money; spend in the middle. HOUR-ONE: SEG-1: The Fed's Kabosh on Muckflation SEG-2: Don't Be a Sloth: Use a Roth SEG-3: How the Affluent Really Live SEG-4: Emerging Retirement Trends & Early Retirement @ 55 HOUR TWO (Live Q&A): SEG-5: Zuckerberg vs Musk: Are We Living in the Babylon Bee? SEG-6: Successful Financial Planning vs Emotion & Instant Gratification SEG-7: The Importance of Placing Bonds in Portfolios SEG-8: How Millionaires Actually Spend Money Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=bkFfgAVwzLU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell | "Markets Looking for Excuse to Pull Back" is here: https://www.youtube.com/watch?v=nQS7K5dLEzY&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "The Fed's Nirvana Moment" https://www.youtube.com/watch?v=ONZwVaP1aD0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Article Mentioned in Today's Show: "Speculation In A.I. May Face Challenges" https://realinvestmentadvice.com/speculation-in-a-i-may-face-challenges/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #FederalReserve #InterestRates #EarlyRetirement #RothIRA #MillionareNextDoor #WealthyBarber #Markets #Money #Investing

(6/22/23) HOUR ONE: Investor sentiment vs Consumer sentiment: This is problematic for the Fed; a re-acceleration of Inflation? Housing is beginning to stabilize, with shallow inventory keeping prices high. What is moving Markets: Swiss & UK interest rate increases; Inflation is NOT coming down. the Fed's not done, despite falling headline inflation. YOY inflation may be at zero, but prices remain high. Core inflation remains high; when will the lag effect appear? What the Fed needs: Mild recession with high unemployment. Jerome Powell's comments; looking at Recession indicators. Why would the Fed cut rates now?? The risk of bank failures: Higher rates jeopardize bank holdings. What the Fed does affects only the short-end of the curve: Two-years max. The demand for bonds from money market funds. The Fed is trying to engineer a recession. The problem with jumping into things: Are annuities right for you? Always ask, 'what comes next?' There is a downside to annuities. HOUR-TWO: (Live Q&A from Radio listeners & YouTube audience) Market pre-open commentary; pensions are going away; Is Advanced Auto Parts a 'wide-moat' company? (No.) Bond investment strategies. investing in precious metals & mining gold. Durations in Portfolios: Owning actual bonds vs TLT Funds. S&P 500 vs Equal Weight? Will higher unemployment help increase housing supply? (Yes.) Stock/Bond allocation recommendations; Who pays for new housing projects? Home Builders. more multi-family housing projects are facing a coming blowback: Too many being build. How do insiders invest? A peek through SimpleVisor tools. Market futures commentary: Nothing new from Jerome Powell expected today. Will the Fed stop hiking rates if unemployment rises? (Yes.) Economy is 70% consumption; production has to also be reduced. Markets are not cooperating. Reduce demand by reducing work. @-yr vs 30-year Bond Yields? (There will be some math involved.) Why 20-yr yields run higher than 10-yr. Separate Dividend stocks vs ETFs? Go for the stock. Pensions vs S&P 500. HOUR-ONE: SEG-1: Investor & Consumer Sentiment Problematic for the Fed SEG-2: The Fight for Inflation SEG-3: The Fed's Nirvana Moment SEG-4: The Good & Bad Sides of Annuities HOUR TWO (Live Q&A): SEG-5: Market Commentary/Investing for Retirement SEG-6: Bond Investing Strategies, S&P 500 vs Equal Weight SEG-7: Stock/Bond Allocation Recommendations SEG-8: The Fed's Unemployment Goals; Calculating Bond Yields Hosted by RIA Advisors RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=ONZwVaP1aD0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell | "Markets Looking for Excuse to Pull Back" is here: https://www.youtube.com/watch?v=nQS7K5dLEzY&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Will Student Loan Repayments Choke the Economy?" https://youtube.com/playlist?list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe -------- Article Mentioned in Today's Show: "Speculation In A.I. May Face Challenges" https://realinvestmentadvice.com/speculation-in-a-i-may-face-challenges/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #FederalReserve #JeromePowell #RollingRecession #StudentLoanDebt #Recession #Unemployment #InterestRates #Markets #Money #Investing

(6/22/23) Markets have sold down three days running, and futures are pointing down this morning following Jerome Powell's comments that more rate hikes are in store...just not now. Markets have been looking for a reason to pull back, and this may be it. A drop down to the S&P's 50-DMA will likely give you a decent point to add more exposure. If that happens, it may provide enough pressure to put a sell-signal back in place, and suggest a continuation of the correctional process. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=nQS7K5dLEzY&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 ------- 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/ #InvestingAdvice #MarketCorrection #MarketSellOff #200DMA #50DMA #Money #Investing

(6/21/23) HOUR ONE: Two days of Fed speak commence today: Will markets even notice? Liquidity is still rising, easing economic conditions the Fed is trying to tighten. Update on the Titanic Sub Search; The ESG Scam: Does nothing for the environment. Is ESG behind us? Are we targeting the wrong companies with boycotts? Don't buy Black Rock stocks; why enrich Larry Fink? Rolling recession and market resiliency: What could alter this dynamic? Student Loan Debt Repayments to resume, pulling $12-Billion in consumer spending from the economy. Is this a Bull Trap or a Bull Market? HOUR-TWO: (Live Q&A from Radio listeners & YouTube audience) The $300-Million public school in Cambridge, MA: How to buy ISD Bonds? Why there is high-demand for such "Money-good" bonds: They get paid. Caveat: The challenge of trying to avoid paying taxes vs making money with investments. Lance' pre-market commentary; How to invest in Prison Bonds; from Germany, a question about investing Euro savings into US Dollars; a discussion of the most-common investor mistake(s); Options Credit Spreads and selling Puts to buy stocks; advise against borrowing from 401k; Investing with Vangard S&P 500 Fund; Strategies for saving and building wealth; Zero Days to Expiration Options; investing in foreign distressed debt (Hint: It's "distressed" for a reason). HOUR-ONE: SEG-1: Two Days of Fed Speak: Will Markets Pay Attention? SEG-2: Is ESG Behind Us? SEG-3: The Potential Impact of Student Loan Repayments SEG-4: Is this a Bull Trap or Bull Market? HOUR TWO (Live Q&A): SEG-5: How to Buy ISD Bonds? SEG-6a: How to Buy Prison Construction Bonds? SEG-6b: How to invest Euro Savings in the Dollar? SEG-6c: What is the Most-common Investor Mistake? SEG-7a: Options Credit Spreads SEG-7b: Selling Puts to Buy Stock SEG-7c: Borrowing from IRA to Buy House SEG-7d: How o Use Insurance to Buy Real Estate (example) SEG-8a: Should you borrow from your 401k? SEG-8b: The Vangard S&P 500 Funds SEG-8c: Zero Days to Expirations Options SEG-8d: Should you invest in distressed foreign debt? Hosted by RIA Advisors RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://youtube.com/playlist?list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe -------- The latest installment of our new feature, Before the Bell | "Has the Buying Stampede Been Reigned-in?" is here: https://www.youtube.com/watch?v=yFFge2nod2U&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 -------- Our previous show is here: "Why AI is Little More than BS " https://www.youtube.com/watch?v=K5_N965M6rc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Article Mentioned in Today's Show: "Speculation In A.I. May Face Challenges" https://realinvestmentadvice.com/speculation-in-a-i-may-face-challenges/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #FederalReserve #JeromePowell #TitanicSub #ESG #ESGScam #BleckRock #LarryFink #RollingRecession #StudentLoanDebt #MunicipalBonds #ISDBonds #Markets #Money #Investing

(6/21/23) Markets have had two days of declines after an extended period of daily gains. The buying stampede has gotten very long in the tooth, providing opportunity for a bit of a pullback (and two unavoidable horse metaphors.) Futures are weaker this morning ahead of whatever the Fed may say today. The consolidating work of a corrective process appears to have begun that should bring prices back down to at least the 20-DMA. We're looking for some rotational cash flow over the next few days, especially as we head into the month, and funds begin to rebalance their allocations. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=yFFge2nod2U&list=PLwNgo56zE4RA3snVQyugvOF5TwZ1Xu7bm&index=1 ------- 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/ #InvestingAdvice #MarketCorrection #MarketSellOff #BuyingStampeded #200DMA #50DMA #Money #Investing

(6/20/23) HOUR ONE: It's the start of a holiday-shortened trading week, and the end of the Quarter is near. Sentiment reports from Consumers and Home Builders, plus leading economic indicators, which have been negative for the past 13-months. A turn in these signals could prove that we've seen (and passed) a trough in economic numbers. Roberts' Family Travel plans will NOT include deep sea dives to shipwrecks; What's driving the AI chase? What is the thesis that's driving prices in the AI space (NVDIA)? Why do you think NVDIA is preparing to sell stock now (while prices are at an unsustainable high)? This is not unlike the DotCom bubble. Challenges from competition will cut into sales and profits. Roger McNamee: AI is a BS generator. Economic Indicators: Fed-Ex earnings preview; What is up with the Winnebago craze? Interesting economic indicator of high-income discretionary spending. KB Homes/Home Builders, Steelcase/Office & Commercial Real Estate & Return to Work; are we seeing improvements in economy that match Wall St earnings expectations? Cali High Speed Rail/Texas HSR: Betting against investing in Cities (WSJ); the Houston Donut: Crime. HOUR-TWO: The Future of AI and Surveillance Capitalism: What's the benefit? Are we better off now for Social Media? Will we be better for AI?? Covered call strategies;v what is the possibility of Recession? What happens to the economy when Student Loan Payments resume (removing some spending)? What to do with NVDIA? Is there a case for buying dividend stocks? What about REITS? What will Recession's effects be? Avoid Commercial Real Estate and multi-family REITS. We like Public Storage REITS, Healthcare & Medical REITS. Looking at 401k strategies: Consider ROTHS for younger savers. SimpleVisor tools you can use. HOUR-ONE: SEG-1: Tracking Economic Indicators: Where's the Trough? SEG-2: What's Driving the AI Craze? SEG-3: Roger McNamee: AI is a BS Generator SEG-4: Earnings Previews & Economic Indicators HOUR TWO: SEG-1: The Future of Generative AI SEG-2: What Happens to Economy When Student Loan Payments Resume? SEG-3: What Will Effects of Recession be on REITS? SEG-4: 401-k Strategies Between Jobs; The Sector Rotation to Come Hosted by RIA Advisors RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=K5_N965M6rc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell | "Can the Market Sell-off Continue?" is here: https://www.youtube.com/watch?v=0lDdCNcfZro&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "What Happens to Fixed Income/Bonds if Fed Continues to Hike Rates?" https://www.youtube.com/watch?v=hZ3JnTJlgZ4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Article Mentioned in Today's Show: "Speculation In A.I. May Face Challenges" https://realinvestmentadvice.com/speculation-in-a-i-may-face-challenges/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #AI #ArtificialIntelligence #Internet #DotComCrash #RealEstate #Markets #Money #Investing

(6/20/23) Markets have rallied strongly over the last two months, becoming very extended on a variety of fronts. Markets are now in over-bought territory. The sell-off that began on Friday looks to continue today; there is room for markets to correct and work off the over-bought conditions. A correction down to the 200-DMA is still within the bullish trend, and gives markets the ability to advance through the end of the year. Remember, a 5- to 10% correction in any given year is certainly within the norm. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel: https://www.youtube.com/watch?v=0lDdCNcfZro&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #InvestingAdvice #EconomicIndicators #MarketSellOff #200DMA #50DMA #Money #Investing

Are we really on the edge of a recession—or are investors just overthinking the signals? Beyond unemployment and consumer spending, unusual data points like men's underwear sales, cardboard box demand, and even giant Halloween skeleton purchases are popping up as quirky economic indicators. Lance Roberts & Danny Ratliff break down: • Traditional recession signals like jobless claims, consumer spending, and market fundamentals. • Technical market warnings investors can't ignore. • Why strange metrics like cardboard boxes and holiday spending trends might reveal cracks in the economy. • The psychology driving investors to go "all in" or "head for the exits." SEG-1a: The Dichotomy of Economic Data SEG-1b: When Stocks are "Richly Valued" SEG-2a: The Economic Indicators of Recession SEG-2b: Strange Economic Indicators SEG-2c: The Giant Skeleton Indicator SEG-2d: When Will Indicators Change? SEG-2e: How Gig Workers Skew Employment Data SEG-2f: What Would an Impending Recession Mean to the Stock Market? SEG-2g: A Change in Quarterly Reporting? SEG-2h: What If We Went Back to the Lows of April? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=UKIv4RZn6sE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Jerome Powell's Alan Greenspan Moment" is here: https://www.youtube.com/watch?v=nKShoQvDm38&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Two Dads on Money: Spotting Red Flags in Financial Advisors," is here: https://www.youtube.com/watch?v=kLQnqk_I9Ow&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #JeromePowell #StockMarketUpdate #PreMarketAnalysis #OverboughtMarkets #MarketVolatility #AlanGreenspan #RichlyValued #RecessionIndicators #StockMarketAnalysis #EconomicSignals #MarketFundamentals #InvestingInsights #InvestingAdvice #Money #Investing

(6/19/23) [HOUR-2] When will real estate turn? It may take longer; will work from home become the new nor,? Valuations vs Sales: Explaning Chipotle. Excess liquidity is distorting valuations. What happens to Fixed Income/Bonds if the Fed cotninues to Hike rates? Father's Day Recap & The Math of Being Wrong. Impact of student loan debt; why the Bears have been Wrong. SEG-1: When Will Real Estate Turn? SEG-2: Valuations vs Sales SEG-3: Fixed Income: What Happens if the Fed Continues to Hike Rates? SEG-4: Why the Bears Have Been Wrong Hosted by RIA Advisors RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=hZ3JnTJlgZ4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell | "The Fed Pauses...at least for now" is here: https://www.youtube.com/watch?v=RPL8c4Q9Qtw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Strategies for Managing High-balance Credit Cards" https://www.youtube.com/watch?v=dRh8AF8v4io&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Article Mentioned in Today's Show: "Bullish Markets And The End Of Bears" https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #ConsumerConfidence #FederaReserve #AI #ArtificialIntelligence #Internet #DotComCrash #RealEstate #Markets #Money #Investing

(6/19/23) [HOUR-1] Consumer Confidence improves based on recent sales numbers; this would appear to be thwarting the Fed's plans to reign-in spending. End of the Quarter Rebalancing underway w AI effects preeminent. A note about Texas Heat; Boomers are stuck on Stocks; is this the prelude to a bust? How the Internet changed the world; what happens when expectations for exponential growth never occurs. Similar potential for same disruption from AI. As competition increases, prices (and earnings) must fall. Will AI be a repeat of the Dot-com era? Same type of valuation problems throughout the market: The example fo McDonald's: Sales fo hamburgers and fries do not justify valuations at 9 x earnings. SEG-1: Consumer Confidence Improves, Fed's Plans Thwarted SEG-2: Texas Heat & Boomers Betting on Stocks SEG-3: Prelude to a Bust? SEG-4: Will AI Create a Repeat of Dot-com Era? Hosted by RIA Advisors RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=hZ3JnTJlgZ4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell | "The Fed Pauses...at least for now" is here: https://www.youtube.com/watch?v=RPL8c4Q9Qtw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Our previous show is here: "Strategies for Managing High-balance Credit Cards" https://www.youtube.com/watch?v=dRh8AF8v4io&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Article Mentioned in Today's Show: "Bullish Markets And The End Of Bears" https://realinvestmentadvice.com/newsletter/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #ConsumerConfidence #FederaReserve #AI #ArtificialIntelligence #Internet #DotComCrash #RealEstate #Markets #Money #Investing