Money Tree Investing

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Matt Morizio shares his journey to becoming a financial advisor and founder of Reconstructing Wealth after his professional baseball with the Kansas City Royals. We explore the parallels between sports, parenting, and personal finance, including raising a family of eight, the importance of taking action before feeling "ready," and why investing in health is just as important as investing money. Kirk and Matt also discuss how youth and professional sports have changed due to commercialization, the growing influence of money in athletics, and the challenges athletes face managing sudden wealth. We also examine what true financial freedom really means, as lasting wealth comes from developing a healthy relationship with money rather than simply accumulating more of it.

We discuss...

Matt's journey from professional baseball to becoming a financial advisor and founder of Reconstructing Wealth.
How getting released from baseball accelerated his transition into entrepreneurship and wealth management.
The challenges and rewards of raising a family of eight children while building a business.
Why Matt views investing in healthy food today as an investment that reduces future healthcare costs.
Why waiting until you're "ready" to have children or start a business can keep people from ever taking action.
The mental lessons learned from professional sports with those required to build wealth.
How youth sports have become increasingly commercialized and expensive for families.
Whether money and NIL deals are changing the culture and integrity of college and professional sports.
Why early sports specialization can increase the risk of injuries for young athletes.
The financial challenges professional athletes face after their playing careers end.
Why many athletes struggle with sudden wealth despite earning millions of dollars.
Why financial education is more valuable than simply handing money management over to an advisor.
How developing the right mindset and identity is essential for building and preserving wealth.
Why true financial freedom is about emotionally detaching from money rather than simply accumulating more of it.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/reconstructing-wealth-matt-morizio-840

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There are some earnings surprises as we focus on a pivotal week for the markets, highlighted by major earnings reports, the Federal Reserve's latest meeting, and growing signs of market divergence beneath the surface. Microsoft and Amazon delivered strong results driven by cloud and AI-related growth, while Apple and Meta faced significant selloffs. We also examine how the Nasdaq has broken below an important trading range, making the coming weeks critical for determining whether technology stocks can resume leadership or face a deeper correction. We talk the rising long-term interest rates, signs of stagflation, weakening economic growth, elevated inflation, shrinking consumer savings, and growing concerns about market concentration as a handful of mega-cap stocks continue to mask weakness across the broader market. Investors should focus on strong fundamentals and cash-generating businesses rather than chasing popular stocks with weak growth prospects. Today we discuss...

The market-moving impact of a busy week featuring Federal Reserve decisions, major earnings reports, and heightened market volatility.
How Microsoft and Amazon posted strong earnings while Apple and Meta saw sharp post-earnings declines, highlighting increasing investor selectivity.
Why AI enthusiasm alone is no longer enough and why companies are being rewarded based on execution and profitability.
The collapse of a highly leveraged AI-focused hedge fund and what it reveals about leverage and institutional trading on Wall Street.
How rising long-term Treasury yields and a more hawkish Federal Reserve are creating additional pressure on stocks and corporate borrowing.
Growing signs of stagflation as economic growth slows while inflation remains stubbornly elevated.
Weakening consumer finances, including falling savings rates and the impact of persistent inflation on household budgets.
How a small number of mega-cap technology stocks continue to mask weakness across the broader stock market.
Increasing risks in global markets, including currency volatility, Japan's interest rate outlook, and weakness in South Korea's market.
The outlook for gold, Bitcoin, bonds, and other asset classes as investors navigate an increasingly uncertain environment.
Why investors should remain patient, focus on strong cash-generating businesses, and avoid chasing expensive stocks without solid underlying growth.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/earnings-surprises-839

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We are joined by Colin Plume, CEO of Noble Gold Investments, to discuss the golden investment strategy to add to your portfolio. There is a growing role of physical precious metals in today's investment landscape. We explore why gold and silver have surged in recent years, the impact of central bank buying, Basel III regulations, rising government debt, and the increasing demand for silver driven by AI, technology, and industrial use. Colin explains the importance of owning physical metals versus paper assets, how proper storage and custody reduce investor risk, and why he believes tangible assets such as precious metals, real estate, and businesses may offer greater protection as economic uncertainty, inflation, and market valuations continue to rise.

We discuss...

How Noble Gold Investments helps investors own physical gold and silver while emphasizing the importance of separate dealers, custodians, and depositories for security.
Why segregated storage offers greater protection than commingled storage for precious metals investors.
How the typical precious metals investor has become significantly younger in recent years.
The key drivers behind the recent surge in gold and silver prices, including central bank buying, government debt, and fiscal policy.
Why central banks are reducing their exposure to U.S. Treasuries while increasing their gold reserves.
Why he believes silver has significant long-term upside due to growing industrial demand from AI, semiconductors, and renewable energy.
The supply constraints facing silver and how limited mine production could support higher prices.
Concerns about paper precious metals markets and the disconnect between physical metal availability and futures contracts.
Investing in physical precious metals with mining stocks and the different risks and opportunities each presents.
How gold and silver historically respond during periods of economic crises, inflation, and government stimulus.
Why he believes tangible assets such as precious metals, businesses, and select real estate provide greater long-term protection than financial assets alone.
The risks of elevated stock market valuations and why diversification into hard assets may become increasingly important.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the full show notes at https://moneytreepodcast.com/golden-investment-strategy-collin-plume-838

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Today we have a chart for you that will completely change your view of today's stock market. In today's market, investors should remain patient during the slow summer market season as stocks continue to trade in a sideways range despite ongoing geopolitical headlines and the start of earnings season. We explore how to interpret market charts, why investor expectations often differ from reality, and why stock price reactions to earnings matter more than the earnings themselves. We also talk about the growing concerns around AI-related spending, weakening breadth beneath the major indexes, software company valuations, and the risks facing large technology companies as earnings unfold. Increasing market volatility heading into the fall, combined with elevated valuations and economic uncertainty, makes this an ideal time to step back, avoid emotional investing, and focus on long-term discipline rather than short-term market noise.

We discuss...

Why the stock market has traded sideways for much of the summer and why periods of consolidation are a normal part of investing.
How geopolitical events and shifting headlines can create short-term market volatility without changing long-term trends.
Why long-term index investors are often better off ignoring day-to-day market movements during quiet periods.
The current earnings season and why stock price reactions often matter more than whether companies beat earnings estimates.
How elevated investor expectations can cause strong earnings reports to be met with falling stock prices.
The recent performance of major technology companies, including Apple, Microsoft, Amazon, Tesla, Alphabet, and Meta.
How massive AI infrastructure spending is affecting cash flow, profitability, and investor sentiment across the technology sector.
Why institutional investors are becoming more cautious about software companies as AI creates uncertainty around future valuations.
How AI could disrupt traditional software business models and pricing power over the next several years.
Weakening market breadth and why a small group of mega-cap stocks continues to drive most index performance.
Why equal-weight indexes can provide a clearer picture of overall market health than traditional market-cap-weighted indexes.
Seasonal market patterns and why volatility historically tends to increase during late summer and early fall.
How upcoming Federal Reserve decisions, corporate earnings, tariffs, and midterm elections could contribute to additional market uncertainty.
Why rising leverage, concentrated positioning, and institutional fear of missing out could amplify future market declines.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/todays-stock-market-837

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Gregory Kovsky discusses small business owner secrets and the evolving market for buying and selling private businesses. He explained how the "silver tsunami" of retiring baby boomer business owners is creating a surge in businesses for sale, while strong buyer demand from entrepreneurs, private equity firms, family offices, and acquisition-minded companies continues to support the market. We explore business succession planning, SBA financing, valuation methods, tax strategies, and the role of commercial real estate in business sales. Gregory also shared insights into how private equity is reshaping the marketplace, the importance of considering employees and legacy alongside sale price, and the realities of entrepreneurship.

We discuss...

How the retiring baby boomer generation is creating a wave of business sales known as the "silver tsunami."
Why many family businesses are sold rather than passed to the next generation.
How SBA financing makes business ownership accessible with relatively little upfront capital.
The strong demand for private businesses from entrepreneurs, private equity firms, family offices, and strategic buyers.
The realities of entrepreneurship and why owning a business requires far more time and commitment than many people expect.
How staffing challenges and employee turnover are common reasons business owners decide to sell.
How private equity is influencing the small business market and the importance of evaluating buyers beyond just the purchase price.
How commercial real estate factors into many business transactions and retirement planning strategies.
Several tax strategies business owners may use to reduce taxes when selling their companies.
How business valuations are determined using EBITDA, growth potential, industry trends, and market multiples.
Concerns about inflated private equity valuations and the challenges firms face exiting investments.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Marc Walton | Forex Mentor Pro

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For more information, visit the full show notes at https://moneytreepodcast.com/small-business-owners-secrets-gregory-kovsky-836

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Here's what the World Cup winner means for the market... Today we focus on a market that continues to trade sideways despite ongoing geopolitical tensions, renewed conflict in the Middle East, and a busy earnings season. We examine why patience remains the best strategy while the S&P 500 stays trapped in a trading range. We highlight strong earnings from major banks as a sign the broader economy remains resilient, and discuss growing concerns about AI valuations, software companies, and the capital demands facing firms like OpenAI and SpaceX. We also explore the recent rotation from growth into value stocks, the impact of rising energy prices on inflation and Federal Reserve policy, why speculative behavior is increasing through leveraged ETFs, and several market indicators suggesting today's market environment is becoming increasingly narrow and expensive despite headline index performance. Today we discuss...

Why the stock market remains stuck in a trading range despite continued volatility and geopolitical uncertainty.
How renewed conflict in the Middle East is affecting investor sentiment, oil prices, and market performance.
Why patience and holding cash may be the best strategy until the market breaks out of its current range.
How strong earnings from major banks suggest the broader economy remains healthier than many investors believe.
Weakness in software companies and growing concerns about the long-term profitability of AI investments.
Why OpenAI seeking government investment could raise questions about the sustainability of the AI sector.
The recent rotation from high-growth technology stocks into value-oriented sectors of the market.
How higher oil prices could keep inflation elevated and complicate future Federal Reserve policy decisions.
How insider buying can provide useful clues when evaluating beaten-down stocks such as UnitedHealth.
The risks created by record investor demand for leveraged ETFs and increasingly speculative market behavior.
We compare today's AI-driven market enthusiasm to the technology bubble of the late 1990s.
How semiconductor stocks continue to dominate market performance while many other sectors lag behind.
Why index performance can be misleading when a small number of large technology companies are driving most of the gains.
How Federal Reserve balance sheet expansion continues to closely correlate with stock market performance.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/world-cup-winner-835

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Krista Goodrich of Boss Lady Investing joins the show to share her journey from working in the mutual fund industry on Wall Street to building a diversified portfolio of more than 20 private businesses and real estate investments. She discussed how entrepreneurship, strategic partnerships, and investing in vacation rentals allowed her to create financial independence while designing a business portfolio around her lifestyle. We talk today's real estate market, including elevated home prices, higher interest rates, leverage strategies, cash flow analysis, vacation rentals versus long-term rentals, and where she still sees investment opportunities despite market challenges. Krista also shared her approach to evaluating new business opportunities, the importance of choosing the right partners, and how investors can build long-term wealth through disciplined decision-making and diversified private investments.

We discuss...

Krista Goodrich shared her journey from Wall Street mutual funds to becoming a serial entrepreneur and real estate investor.
She discusses starting and scaling more than 20 businesses across industries including moving, junk removal, property management, hospitality, and vacation rentals.
How choosing the right business partners has been critical to her long-term success.
She shares the qualities she looks for in business partners, including drive, kindness, loyalty, and a sense of fun.
Why she prefers using cash to start businesses while using leverage primarily for real estate investing.
How leverage has allowed her to steadily expand her real estate portfolio over time.
Why vacation rentals can generate significantly higher income when purchased in the right locations.
How higher interest rates have changed the way she analyzes new real estate investments.
Why she believes portions of the Florida real estate market remain significantly overvalued.
How institutional investors and hedge funds have influenced housing affordability.
She shared her thoughts on proposals to limit large investment firms from purchasing single-family homes.
How property taxes, interest rates, and government policies influence real estate investing decisions.
The importance of diversification across businesses, real estate, and traditional investments.
Why she enjoys real estate investing because it offers greater control than investing in public markets.
Successful investing requires patience, discipline, and focusing on long-term wealth creation rather than chasing quick returns.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/boss-lady-investing-krista-goodrich-834

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The stock market is showing interesting signals and today we discuss the latest market developments. Renewed geopolitical tensions are driving investors back into large technology and AI stocks while other sectors lag. Patience and caution remain important as economic signals continue to conflict. We cover housing market weakness, consumer spending, wage growth, market valuations, and the Federal Reserve's outlook. We also explored how commodity prices impact businesses and stock performance, shared expectations for future energy prices, and why looking beneath the major indexes is essential to understanding the true health of the market.

We discuss...

The ongoing rotation between market sectors and why market leadership continues to remain narrow.
Why looking beneath the major indexes provides a better picture of overall market health than index performance alone.
How commodity prices, particularly cocoa, can significantly impact corporate profits and stock prices.
Why cocoa prices have pressured companies like Hershey and what improving crop conditions could mean going forward.
We reviewed current oil and gasoline price trends and why pump prices have remained elevated despite falling crude oil prices.
Our outlook for oil prices and why increased global production could push prices lower in the coming months.
The housing market, including rising days on market and slowing home price growth.
Consumer spending, wage growth, and the mixed economic signals creating uncertainty for investors.
How AI investment is affecting technology companies and whether those massive investments will ultimately generate meaningful profits.
Why many consumers are becoming fatigued with traditional news and increasingly turning to podcasts and online communities for information.
Why maintaining patience, caution, and adequate liquidity remains important as markets face elevated valuations and political uncertainty heading into the midterm elections.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/stock-market-is-showing-interesting-signals-833

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Are you considering a life switch? Today financial advisor, author, and sports team investor Joel Steele joins us to discuss his unconventional journey from failed entrepreneur to successful wealth manager. Joel shares how a collapsed healthy fast-food restaurant business left him with roughly $800,000 in debt at a young age and how that experience shaped his disciplined approach to saving, investing, and building wealth. We explore his path into professional sports ownership, including why he chose to invest in smaller sports franchises for both financial upside and personal fulfillment. Joel also explains why money alone does not create happiness, the importance of finding passion and purpose, and how avoiding lifestyle inflation helped him maintain financial freedom. We talk investing philosophies, balancing risk and reward, understanding personal financial goals, avoiding speculative investments, and why building a strong financial foundation is essential before taking bigger risks. Today we discuss...

How a failed restaurant venture and significant debt early in life became the catalyst for building a career in finance.
The decision to invest in professional sports teams as a way to combine financial opportunity with personal passion.
Lessons from building a healthy fast-food restaurant chain and why the restaurant industry is so difficult to succeed in.
How maintaining a high savings rate and avoiding lifestyle inflation helped create long-term financial security.
Why higher income and greater wealth do not always lead to increased happiness or fulfillment.
The importance of identifying personal passions, purpose, and meaningful ways to spend time.
Questions people can ask themselves to better understand what they would pursue if money was no longer a concern.
How financial planning should focus on balancing risk, return expectations, and individual goals.
Why most investors should focus on steady wealth accumulation rather than chasing risky investments or outsized returns.
The importance of understanding personal risk tolerance and avoiding emotional investment decisions.
Why protecting a strong financial foundation is essential before pursuing higher-risk opportunities.
Insights from Joel's book Life Switch on creating a life built around purpose, passion, and fulfillment.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Marc Walton | Forex Mentor Pro

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For more information, visit the full show notes at https://moneytreepodcast.com/considering-a-life-switch-joel-steele-832

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Today we talk market signals for the 2nd half of the 2026 following the Independence Day holiday. We highlight how semiconductor stocks and AI continue to heavily influence market performance while signs of healthy sector rotation emerge across industrials, financials, and other areas of the market. We examine weakening employment data, sluggish housing activity, elevated valuations, and the growing disconnect between economic fundamentals and rising stock prices, along with the Federal Reserve's new communication style under Chair Kevin Warsh and its potential impact on market volatility. We also explore how liquidity, inflation, oil prices, and geopolitical developments could shape the second half of the year.

We discuss...

How semiconductor stocks continue to drive much of the S&P 500's performance and why that concentration matters.
Why recent sector rotation into industrials, financials, and other areas is a healthy sign for the broader market.
Whether AI-related valuations have become stretched after years of exceptional performance.
Why investors should focus on price action and market trends rather than sensational headlines.
Historical market seasonality and why the second half of the year can bring increased volatility.
The latest employment report and explain why revisions and labor force participation deserve close attention.
Why weak economic data has recently been viewed as positive news because it could reduce pressure on the Federal Reserve to raise rates.
How slowing economic growth could eventually impact corporate earnings.
Why the housing market remains sluggish despite record highs in the stock market.
How oil prices, inflation, and monetary policy continue to influence investor sentiment.
Why liquidity has remained a major driver of market performance despite weakening fundamentals.
How government regulation can strengthen the competitive position of large companies while creating barriers for smaller competitors.
The long-term economic impact of globalization, government policy, and structural market changes.
Why maintaining a disciplined, long-term investment strategy is especially important in today's market.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/market-signals-831

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Christine Healey explores the rapidly growing world of investing in companies pre-IPOs and how everyday investors are gaining access to private companies like SpaceX, OpenAI, Stripe, and Anthropic before they go public. Christine explains why companies are staying private longer, how private market investing differs from traditional stock investing, and the opportunities and risks involved in buying shares before an IPO.

We talk deal structures, pricing, minimum investment requirements, the role of brokers, and why terms can vary significantly between transactions. We also covers liquidity through secondary markets, how market volatility affects private company valuations and investor demand, and why access to these investments is becoming increasingly important as more of the world's fastest-growing companies remain private for much longer than in previous decades.

We discuss...

Why more high-growth companies are staying private longer before pursuing an IPO.
Why founders often prefer to remain private to maintain control and avoid public market pressures.
How pre-IPO investing has become more accessible beyond institutional investors and billionaires.
The differences between investing in early-stage startups and late-stage pre-IPO companies.
Typical investment minimums and why larger investors often receive better pricing and deal terms.
How pre-IPO transactions are structured, including direct share purchases and SPVs.
How secondary markets can provide liquidity before a company eventually goes public.
Why private market pricing is less transparent than public stock markets.
How market downturns often concentrate investor demand into a handful of high-profile private companies.
How buyers may find better negotiating leverage in less sought-after private companies during volatile markets.
The importance of working with experienced brokers to navigate complex private market transactions.
The growing global demand for U.S. pre-IPO companies from both domestic and international investors.
The risks, opportunities, and long-term potential of investing in private companies before they reach the public markets.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Marc Walton | Forex Mentor Pro

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Kirk shares the Q2 2026 market updates and the market's recent sector rotation as technology stocks pause after leading gains for much of the year. Healthcare, utilities, and other sectors begin to take the lead. This shift is a healthy sign for the broader market, the benefits of equal-weight investing during periods of rotation, and where investors may find opportunities going forward.

Kirk also examines the recent pullback in gold, silver, and cryptocurrencies, why weakness in these assets could create long-term buying opportunities, and the risks surrounding Bitcoin-related companies like Strategy. Finally, falling oil prices, inflation data, and interest rate expectations under the new Federal Reserve chair are discussed.

Why the recent rotation out of technology and into sectors like healthcare is a healthy sign for the broader market.
How sector rotation works and why investors should pay attention to shifting market leadership.
Why technology's dominance has kept the broader indexes elevated despite weakness in many other sectors.
Which sectors may offer better opportunities in the coming months, including healthcare, industrials, materials, and consumer staples.
Why investors should remain cautious toward energy, utilities, and certain financial stocks given current interest rate and oil market conditions.
The recent pullback in gold and silver and why weakness in precious metals could create long-term buying opportunities.
Why precious metals remain an important portfolio hedge despite short-term price declines.
Concerns surrounding Strategy and why leveraged Bitcoin treasury companies carry additional risks.
Recent inflation data, Federal Reserve policy expectations, and why higher inflation may not necessarily lead to additional rate hikes.
How easing oil prices and improving geopolitical conditions could influence inflation and economic growth in the months ahead.
Concerns surrounding upcoming AI company IPOs and questioned whether large language model businesses have sustainable competitive advantages.
Key market risks to watch, including earnings season, inflation, interest rates, geopolitical developments, and continued sector rotation.

Today's Panelist:

Kirk Chisholm | Innovative Wealth

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For more information, visit the full show notes at https://moneytreepodcast.com/q2-2026-market-updates

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Michael Youngblood joined the show to discuss investing in mortgages with the evolution of the U.S. mortgage market. He draws on more than four decades of experience in mortgage banking, securitization, and housing finance. We explored the key causes of the 2008 financial crisis, why falling home prices caught investors off guard. Michael explained the risks and opportunities of investing in mortgage-backed securities, the differences between MBSs, CMOs, and REMICs, and why prepayment risk remains a major consideration for investors. We also discussed housing affordability challenges, FHA loans, down payment hurdles facing first-time buyers, potential future changes to mortgage regulations, and the outlook for both residential and commercial real estate financing as demographic shifts, interest rates, and post-COVID trends continue to reshape the market.

We discuss...

How declining home prices in 2007–2008 triggered a surge in mortgage defaults and helped spark the financial crisis.
Why investors, lenders, and regulators failed to anticipate the severity of the housing market collapse.
How banks manage mortgage risk by selling or securitizing loans while retaining their highest-quality borrowers.
The key risks investors face when investing in mortgage-backed securities, including prepayment and credit risk.
The differences between mortgage-backed securities (MBSs), collateralized mortgage obligations (CMOs), and REMICs.
Why mortgage market innovation has slowed significantly since the 2008 financial crisis.
Exploration of potential future changes to mortgage products and regulations aimed at improving housing affordability.
How adjustable-rate mortgages could be expanded without returning to the risky lending practices that contributed to the housing crisis.
The challenges self-employed borrowers face when trying to qualify for mortgage financing.
How falling interest rates could trigger a new wave of mortgage refinancing activity.
Housing affordability challenges driven by rising home prices and large down payment requirements.
How commercial mortgage lending differs from residential lending in underwriting and risk management.
The growing role of family wealth transfers and financial assistance in helping younger generations purchase homes.
Michael shares his outlook on housing affordability and why mortgage financing remains attractive relative to many other forms of borrowing.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/investing-in-mortgages-michael-youngblood-828

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We have an investing recommendation for you: patience and caution!

We discussed current market conditions and why markets have largely moved sideways despite strong gains earlier in the year. We examined the highly anticipated SpaceX IPO, debating whether its valuation justifies the excitement and highlighting the risks of buying high-profile stocks at elevated prices. We also explore market concentration in technology and semiconductors, the challenges facing software companies, and the growing influence of AI on corporate spending and investment decisions. We talk why investors should avoid chasing performance or making decisions based on FOMO, nuclear energy, and considered how changing market dynamics, valuations, and AI-driven trends may impact investment returns going forward.

We discuss...

Why patience and caution remain important as markets have moved largely sideways over the past month.
The SpaceX IPO and whether its valuation justifies the excitement surrounding the stock.
Why great companies can still be poor investments if purchased at the wrong price.
The risks of chasing market trends and investing based on FOMO.
The concentration of market gains in technology and semiconductor stocks.
The growing divergence between semiconductor companies and the broader software sector.
Whether massive AI spending will ultimately generate returns that justify the investment.
How AI is changing the business models and cash flow profiles of major technology companies.
AI adoption may be advancing faster than its practical economic benefits.
Why shorting expensive stocks can be extremely risky despite lofty valuations.
The long-term investment case for nuclear energy and the growing power demands of AI data centers.
The recent strength of the U.S. dollar despite widespread predictions of its decline.
The importance of staying within your circle of competence when making investment decisions.
How market valuations may impact expected returns over the next decade.
Why diversification remains critical in an environment dominated by a handful of technology stocks.
Why investors should focus on risk management rather than trying to predict market outcomes.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the full show notes at https://moneytreepodcast.com/investing-recommendation-827

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David Baker talks about why investing in undeveloped land may be the secret strategy you've been waiting for. We also discuss why water rights may become one of the most valuable assets in the coming decades and how growing water scarcity is driving demand for land with access to water. Drawing on his background as a hedge fund manager, real estate investor, and founder of the Land Value Alpha Fund, David explained how water rights work, particularly in Montana, where groundwater and surface water rights can significantly increase property values.

He highlighted research suggesting that investments in water infrastructure such as wells, pumps, storage systems, and distribution networks can generate substantial returns, while increasing demand for water, energy, and developable land is creating a powerful convergence that could push land prices much higher over time.

We discuss...

Why water scarcity is becoming a growing global issue and increasing the value of water-rich land.
How groundwater and surface water rights work, particularly in Montana.
The unique advantages of Montana as a headwater state that supplies water to much of the western United States.
How property owners can develop wells and water infrastructure to increase the value of their land.
Research suggesting that investments in water infrastructure can generate significant returns relative to their cost.
Why water rights are becoming increasingly important for homeowners, farmers, developers, and businesses.
How increasing demand for water and developable land could drive land prices substantially higher in the future.
The relationship between land ownership and water access, and why water often determines a property's long-term value.
Examples of investors and institutions acquiring land specifically for its water resources.
How water banks allow water rights to be leased, traded, and allocated among different users.
The challenges surrounding water allocation and legal rights in regions facing water shortages.
Why desalination has not been adopted more broadly despite its potential to address water shortages.
Real-world examples of water rights mistakes that can create major problems for landowners and developers.
Why understanding local regulations is critical when investing in land and water resources.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/investing-in-undeveloped-land-david-baker-826

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As SpaceX stock soars, we talk IPOs for space and beyond. We also focus on the market's reaction to a new Iran ceasefire agreement, the implications of the highly anticipated SpaceX IPO, and what these developments may signal about broader market conditions. We look over how IPOs have historically performed, why many high-profile offerings struggle after their debut, and whether SpaceX's valuation reflects genuine business fundamentals or investor enthusiasm. We also examined the economic impact of falling oil prices, shifting inflation expectations, upcoming Federal Reserve policy decisions, consumer spending trends, and why correlations often drive market narratives.

We discuss...

The market's positive reaction to a renewed Iran ceasefire and the resulting drop in oil prices. Breakdown of the SpaceX IPO, its first-day performance, and why retail investors were eager to participate. How IPOs work and why many high-profile offerings historically decline after going public. Why company insiders often choose to take businesses public when valuations are most favorable. Past IPOs including Uber, Meta, Coinbase, Robinhood, and Rivian to illustrate common post-IPO price patterns. Whether SpaceX's valuation is justified by the strength of its Starlink business and launch operations. OpenAI, Anthropic IPO expectations and concerns about AI company valuations. How large IPOs can act as liquidity drains by attracting capital away from existing market leaders. Elon Musk becoming the world's first trillionaire and what that signifies for investor sentiment. How falling energy prices could help reduce inflation and improve economic conditions. Upcoming Federal Reserve leadership changes and expectations for future interest rate policy. Consumer spending trends and the role of Baby Boomer wealth in supporting economic activity. Why investors should focus on correlations rather than assuming direct causation in market movements.

For more information, visit the full show notes at https://moneytreepodcast.com/ipos-for-space-625

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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Alex Gurevich talks about the next perfect trade! We discuss major shifts in the macro investing landscape, including the breakdown of the traditional stock-bond relationship, why U.S. Treasuries no longer act as a reliable flight-to-safety asset, and how inflation, fiscal policy, and changing market regimes are reshaping investment strategies. Alex shares his framework for identifying high-probability trades, explains why he believes interest rates could ultimately return to zero if the labor market weakens, and discusses opportunities and risks in global markets, currencies, gold, emerging markets, and China. We also explore the long-term impact of artificial intelligence on productivity, employment, and economic growth and more!

We discuss...

The breakdown of the traditional stock-bond relationship and how it is changing portfolio diversification strategies.
Why U.S. Treasuries are no longer acting as a reliable flight-to-safety asset and what that means for investors.
The impact of inflation, fiscal policy, and shifting market regimes on the macroeconomic outlook.
Why labor market trends remain the most important factor influencing future Federal Reserve decisions.
The possibility that interest rates could eventually return to zero if economic growth and employment weaken.
Investment opportunities and risks across currencies, bonds, emerging markets, and international equities.
The relative attractiveness of gold, U.S. Treasuries, and other hard assets in the current environment.
China's economic challenges, AI ambitions, and its position in the global race for technological leadership.
How artificial intelligence is driving investment, productivity gains, and economic growth across multiple sectors.
The potential for AI-driven job displacement and a temporary economic adjustment period before larger long-term benefits emerge.
Key market risks stemming from geopolitical conflict, energy prices, and evolving global economic dynamics.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/next-perfect-trade-alex-gurevich-824

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Today we talk the investing secrets for IPOs, Bitcoin, and AI. There is also growing market uncertainty as strong earnings, resilient employment data, and a potential SpaceX IPO collide raise concerns. A small group of AI and semiconductor stocks have driven most market gains while many sectors have remained flat, raising concerns about narrow market leadership and investor complacency. We examine how stronger-than-expected jobs data could keep interest rates elevated for longer and create headwinds for stocks and cryptocurrencies. We also cover Bitcoin's cyclical boom-and-bust patterns, the importance of risk management, the growing role of gold in global central bank reserves, and emerging long-term investment themes such as AI infrastructure, nuclear power, electrification, robotics, and space technology.

We discuss...

The growing market divergence as AI and semiconductor stocks continue to drive gains while most sectors remain flat.
How strong earnings results have failed to lift the broader market despite solid corporate performance.
Why stronger-than-expected jobs data could keep interest rates higher for longer and delay potential Fed rate cuts.
The impact of liquidity conditions on stocks, cryptocurrencies, and overall market sentiment.
Signs that the economy may be entering a late-cycle phase characterized by tighter financial conditions and rising IPO activity.
The risks and opportunities surrounding the highly anticipated SpaceX IPO and what history suggests about buying newly public companies.
Bitcoin's historical boom-and-bust cycles, potential downside targets, and the importance of managing risk in crypto investing.
Why investors should focus on their own investment strategy instead of chasing the market's hottest trends.
Housing affordability challenges and the widening gap between the costs of owning and renting a home.
Gold surpassing U.S. Treasuries as the largest reserve asset held by global central banks.
Emerging investment themes including AI infrastructure, nuclear energy, electrification, robotics, quantum computing, and space technology.
The importance of diversification and risk management in a market increasingly driven by a small group of high-performing stocks.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/investing-secrets-for-ipos-823

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Fred Amrein shares secret college funding strategies today as we discussing major changes to college financing under the recently passed "Big Beautiful Bill." There are new federal borrowing limits for undergraduate, graduate, and professional school students while reducing repayment flexibility. We explore how these changes will shift the focus from college access to affordability, forcing families to carefully evaluate the return on investment of higher education, plan for graduate school costs earlier, and rely more heavily on private loans when federal limits are reached. Fred explains the potential impact on colleges, including tuition resets, increased financial pressure on smaller schools, and a growing need for students to choose programs and career paths with stronger economic outcomes, while emphasizing the importance of long-term financial planning and understanding the true cost of borrowing before selecting a school.

We discuss...

The major changes to federal student loan programs under the recently passed "Big Beautiful Bill."
A breakdown of new borrowing limits for undergraduate, graduate, and professional degree programs.
How stricter underwriting requirements will shift the focus from college access to affordability.
How Parent PLUS loan changes could impact families and future college funding decisions.
The growing role private student loans may play as federal borrowing options become more limited.
Comparison of federal and private student loan repayment terms, interest rates, and long-term costs.
How college financing decisions for one child may now affect borrowing options for siblings.
Why some colleges may be forced to lower tuition, increase aid, merge, or close due to demographic and financial pressures.
The declining return on investment of certain college degrees and the growing appeal of skilled trades.
How labor market demand, career outcomes, and AI-driven changes could influence future education choices.
Conversation about the shift from viewing college as an educational investment to viewing it as an experience-driven purchase.
Why graduating on time and minimizing excess borrowing will become increasingly important for students.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/secret-college-funding-strategies-822

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There's a huge divergence going on that could take the market with it. Today we focus on the growing market uncertainty driven by a potential SpaceX IPO, geopolitical conflict in the Middle East, and increasingly narrow market leadership. We also reviewed the strong earnings season and the role of AI-driven semiconductor stocks in powering most of the market's gains; many other sectors have largely moved sideways despite headline index strength. We also cover the inflationary impact of higher oil prices, the effects of the ongoing Middle East conflict on commodities and global supply chains, central bank gold sales, bond market volatility, interest rate trends, and why investors should focus on risk management, sector rotation, and underlying market conditions rather than simply following index performance.

We discuss...

The potential SpaceX IPO, its massive valuation, and concerns about how quickly it could be added to major market indexes.
Why investors should avoid FOMO and be cautious when buying newly public companies.
How private markets are capturing more growth before companies ever reach public investors.
How most stock market gains this year have come from a narrow group of technology and semiconductor companies.
The sector performance across technology, financials, energy, healthcare, consumer stocks, and utilities.
The ongoing Middle East conflict and its impact on oil prices, inflation, and global supply chains.
Why oil prices affect everything from transportation and food costs to plastics and manufacturing.
The market values of gold, silver, and major technology companies.
Treasury yields, bond market volatility, and the importance of monitoring interest rate trends.
The yield curve and what its normalization could signal for the economy and financial markets.
Mortgage rate trends and the challenges higher borrowing costs create for housing.
How excess liquidity is flowing into a small number of market sectors rather than the broader market.
Looking beyond headline index returns to understand what is actually driving market performance.
Scenario-based investing and the importance of preparing for both inflationary and disinflationary outcomes.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the full show notes at https://moneytreepodcast.com/huge-divergence-821

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Joey Isaacson joins us to discuss the next trend in crypto with the rapidly growing world of stablecoins and how they are reshaping the future of finance and payments. We explore what stablecoins are, how they function as a bridge between traditional cash and cryptocurrencies, and why they are gaining traction for global transactions, trading, and blockchain-based financial systems. Joey explains how stablecoins are backed by assets like Treasury bills, the ongoing regulatory battles surrounding interest payments, and why major banks and governments are paying close attention to the technology. We also dive into privacy concerns, CBDCs versus privately issued stablecoins, wallet security, and how faster, more efficient financial infrastructure could transform everyday banking and payments over the next decade. Today we discuss...

Joey Isaacson explains how stablecoins emerged as a way to reduce the volatility problems associated with cryptocurrencies like Bitcoin.
We discuss how stablecoins act as a bridge between traditional cash and blockchain-based assets.
Joey breaks down why stablecoins are useful for fast, low-cost international transactions compared to traditional bank wires.
The conversation explores how stablecoins help crypto traders move quickly without waiting for traditional banking systems to settle transfers.
We examine how stablecoins are backed by assets like U.S. Treasury bills and other real-world assets.
Joey explains the importance of audits, transparency, and trust in determining whether a stablecoin is truly backed one-to-one.
We discuss how companies like Circle generate revenue from stablecoin issuance and Treasury bill yields.
The episode covers the debate over whether stablecoin holders should receive interest generated from the underlying Treasury assets.
Joey shares how stablecoins could disrupt traditional banks by pulling deposits away from low-interest savings accounts.
We talk about the regulatory battle surrounding stablecoins, including the Clarity Act and broader crypto legislation.
The discussion compares privately issued stablecoins with government-controlled CBDCs and the privacy implications of both.
Joey explains how privacy works on blockchain networks and the tradeoffs between convenience and anonymity.
We explore whether companies like Visa and Mastercard could eventually be disrupted by blockchain payment rails.
The conversation covers how self-custody wallets work and the risks of losing access to private keys.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/the-next-trend-in-crypto-joey-isaacson-820

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This mega bubble may explode soon! Find out what it is as we talk growing market uncertainty driven by rising interest rates, inflation concerns, and global conflict, while warning investors about the risks developing in the bond market and increasingly narrow stock market leadership. We explore how higher Treasury yields, stubborn inflation, housing weakness, and mounting global debt pressures could impact both stocks and bonds, while also breaking down why investors should remain cautious despite strong performance in select sectors like semiconductors and AI. We cover consumer stress, leverage building in the markets, Japan's bond challenges, concerns surrounding global liquidity, and the importance of avoiding emotional reactions to sensational economic "chart crimes" and extreme market predictions. Today we discuss...

Why rising Treasury yields and bond market volatility are becoming a major concern for investors.
Inverted versus normal yield curves and what they signal about the economy and lending conditions.
How higher oil prices and ongoing geopolitical conflict could keep inflation elevated.
Concerns that higher interest rates could pressure both stocks and bonds at the same time.
Why traditional diversification strategies are struggling in today's correlated market environment.
How a small group of semiconductor and AI stocks are driving most of the stock market gains.
The growing stress facing consumers from inflation, mortgage rates, and rising debt burdens.
Weakness in the housing market and the impact of high mortgage rates on affordability.
Concerns about China reducing its holdings of US Treasuries and the implications for bond markets.
Japan's rising bond yields and the risks tied to global debt and liquidity markets.
Whether current inflation trends could resemble the inflationary environment of the 1970s.
Why many alarming economic charts online can be misleading "chart crimes" driven by correlation rather than causation.
How government stimulus during COVID contributed to inflation by increasing consumer spending power.
How inflation impacts everyday expenses like healthcare, childcare, education, and housing more than electronics or technology.
Growing leverage and speculative behavior in global markets as investors chase returns.
The role of the US dollar as a macroeconomic pressure gauge rather than a simple trading indicator.
Why investors should stay cautious, avoid emotional reactions, and focus on risk management during uncertain market conditions.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/mega-bubble-may-explode-821

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/real-estate-to-reduce-college-costs-lance-morgan-818

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Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/strong-earnings-season-817

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Jon Grishpul joins us to discuss rentals vs ADUs (accessory dwelling units), and the growing trend of converting garages and unused spaces into flexible living areas. Relaxed zoning laws in states like California are helping address housing shortages while creating new opportunities for homeowners. We explored the challenges faced when managing construction projects, from finding trustworthy contractors and comparing bids to understanding contracts, permits, insurance, payment schedules, and cost overruns. Jon shares his practical advice for vetting contractors, avoiding common renovation pitfalls, handling unexpected issues during projects, and building long-term relationships with reliable professionals to protect both your investment and your peace of mind.

We discuss...

Jon explains how ADUs provide flexible living spaces that can be used for family, rental income, home offices, gyms, or studios.
Jon outlined the key differences between detached, attached, and garage conversion ADUs.
The conversation covered how homeowners should carefully define the scope of a renovation project before contacting contractors.
Homeowners should compare contractor bids and ensure each estimate reflects the same project scope.
Jon explained why contractor estimates can vary dramatically depending on materials, labor, experience, and profit margins.
The discussion highlighted the importance of verifying contractor licenses, insurance, bonds, and references before hiring.
We talked about common renovation surprises such as mold, dry rot, and structural issues hidden behind walls.
There are strategies for preventing contractors from disappearing mid-project through milestone-based payment schedules.
Jon explained how poor communication early in the bidding process can signal problems during construction.
We discussed the pros and cons of homeowners sourcing their own construction materials versus letting contractors manage procurement.
We explored how contractors and homeowners can negotiate fairly when mistakes or unexpected issues arise during construction.
We discussed how inspections, third-party evaluations, and punch lists help ensure quality control on renovation projects.
Jon encouraged homeowners to take their time vetting contractors and focus on building long-term relationships with reliable professionals.

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For more information, visit the full show notes at https://moneytreepodcast.com/rentals-vs-adus-jon-grishpul-816

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There is one reason to invest in space, and we share it today! Also, freshly released UFO files dropped and are a great reminder for how investors should critically evaluate information, media distractions, and geopolitical developments rather than blindly trusting official stories or market reactions. We also talk the ongoing war and energy disruptions, rising oil prices, and the possibility that markets are underestimating inflation and recession risks. We also examined the risks of concentrated AI spending, declining cash flows among major tech companies, rising retail speculation, smart money moving toward cash and value opportunities, and potential distress in commercial real estate and non-traded REITs. Patience, caution, independent thinking, and selective investing always prevail over chasing momentum in an increasingly fragile and narrowly driven market environment.

We discuss...

Why investors should question why information is released at certain times and avoid blindly trusting government or media messaging.
Ongoing geopolitical conflicts and energy disruptions may be worse than markets currently believe.
Rising oil and energy prices could continue pressuring consumers, corporate margins, and global economic growth.
Major S&P 500 sectors breakdowns show that many areas of the market remain flat or weak despite bullish headlines.
The discussion highlighted how semiconductor stocks have dramatically outperformed while software and other technology subsectors have lagged.
Venture capital and speculative investment historically flow toward high-risk opportunities like AI rather than stable cash-generating businesses.
Retail investors are aggressively chasing options and speculative trades while institutional investors appear more cautious.
The bond market was identified as a major warning signal, with rising Treasury yields potentially creating significant economic and market stress.
If inflation and interest rates continue rising, housing, borrowing, and economic activity could slow sharply.
Many commercial real estate valuations may still be overstated despite large discounts in secondary markets.
Liquidity problems and refinancing pressures could create further downside risks in commercial real estate assets.
How "smart money" appears to be raising cash, rotating toward value opportunities, and looking internationally for better upside potential.
Investors should remain selective, independent-minded, and focused on risk management in an increasingly volatile and speculative market environment.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/reason-to-invest-in-space-815

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Richard Duncan is here today to discuss global macro developments as he outlines a long-term macro framework, arguing that the modern global economy has shifted from traditional capitalism to a system driven by credit expansion. He explains how, since the 2008 financial crisis, government borrowing and Federal Reserve money creation have replaced the private sector as the primary engine of growth, fueling massive asset inflation and a historic surge in wealth, but also creating an "everything bubble" highly dependent on low interest rates. Duncan warns that rising inflation could push interest rates higher and trigger a collapse in asset prices and a severe recession. Richard emphasizes that the greatest systemic risk is a contraction in credit and argues that sustained investment in innovation may be the only path to outgrow the debt burden before a long-term crisis emerges.

We discuss...

Richard Duncan explains his macro framework, arguing the global economy shifted from gold-backed discipline to a credit-driven system after 1968.
Credit expansion, rather than productivity, has been the primary driver of economic growth for decades.
Globalization and trade deficits helped suppress inflation, enabling lower interest rates and more debt growth.
Following the 2008 crisis, government borrowing and Federal Reserve intervention replaced the private sector as the main engine of credit expansion.
Massive stimulus and quantitative easing fueled a historic surge in asset prices and household wealth.
The U.S. now faces an "everything bubble," with asset valuations stretched relative to income.
War in the Middle East could drive higher energy, fertilizer, and food costs, worsening global inflation.
Higher rates threaten to pop the credit-fueled bubble and trigger a significant recession.
Deglobalization and reshoring manufacturing would likely be highly inflationary and destabilizing to the system.
Despite high debt levels, the system can continue functioning as long as credit keeps expanding.
Richard suggests a future shift from "creditism" to a new system driven by artificial intelligence and exponential gains in cognition.
Gold's rise is attributed both to the broader asset bubble and declining global trust in U.S. financial dominance.
Central banks are increasingly accumulating gold as a hedge against geopolitical and monetary risk.
The biggest overlooked risk is a contraction in credit, which could collapse the entire economic system.
Duncan argues that aggressive investment in innovation and technology is key to outgrowing the debt burden.
Without continued credit expansion or productive investment, the system risks a severe long-term depression.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Marc Walton | Forex Mentor Pro

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For more information, visit the full show notes at https://moneytreepodcast.com/urgent-global-macro-development-richard-duncan-814

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Today we're here to share some war investing wisdom with you as we deal with an unusually volatile and fragmented market environment. Distinct "market paradigms" have rapidly rotated month-to-month, creating confusion for investors as sectors behave inconsistently. Despite a strong earnings week and resilient equities, underlying concerns are building, including rising interest rates, surging energy costs, and early signs of economic slowdown that could pressure consumers and corporate margins over time. There is a growing disconnect between market performance and economic reality, warning of potential earnings compression as higher costs and weakening demand squeeze companies. Remain cautious and selective, as the market is difficult to handicap. Right now, patience may be the most prudent strategy. Today we discuss...

Markets are behaving unusually in 2026, driven more by sentiment and geopolitical events than consistent trends. War has disrupted typical market patterns, yet equities have rebounded back to all-time highs. Distinct "pre-war, war, and post-war" paradigms have created sharp, month-to-month sector rotations. Tech and semiconductors have led the recent rally, despite broader inconsistency across sectors. A major earnings week showed mixed results, with strong performance overall but clear winners and losers. Economic data signals a slowing economy, though not yet strong enough to confirm a recession. Rising oil prices and geopolitical tensions are increasing inflationary pressures and economic uncertainty. Consumers are beginning to feel pressure from higher costs, especially energy, which could impact spending. A "margin squeeze" risk is emerging as companies face rising costs and slowing revenue growth. Markets remain resilient despite weakening underlying fundamentals, creating a growing disconnect. Big Tech continues to generate strong cash flow but faces uncertainty due to heavy AI-related capital spending. Emerging markets and rate-sensitive sectors face elevated risks in the current environment. Corporate earnings quality may deteriorate through lowered expectations or financial adjustments. Housing and consumer data remain weak, signaling underlying fragility in the economy. The biggest forward risk to markets is earnings compression rather than inflation or the war itself. Seasonality and historical patterns suggest potential weakness in the coming months.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/war-investing-wisdom-patience-and-caution-813

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Dylan Taylor is here to talk about the space economy. As CEO of Voyager Technologies and a commercial astronaut, he shares his journey into the space industry and outlines the rapidly evolving opportunities within it. Dylan highlights commercial space stations as a major frontier, enabling breakthroughs in microgravity research that can drive advancements in pharmaceuticals, materials science, and manufacturing by producing higher-quality inputs that improve processes back on Earth. Dylan underscores the economic and technical challenges of scaling space-based industries, the likely consolidation of space companies, and the critical role of reusable heavy-lift rockets in unlocking growth, while projecting realistic timelines for lunar return and Mars missions. Ultimately, he frames space not just as an investment frontier, but as a transformative domain that can reshape humanity's perspective and deliver meaningful benefits back on Earth.

We discuss...

Dylan Taylor shares his background as CEO of Voyager Technologies, commercial astronaut, and founder of Space for Humanity.
His early fascination with space was inspired by science fiction and the idea of expanding humanity's potential.
The rapid increase in satellite launches is creating massive datasets, linking space opportunities with AI-driven insights.
Commercial space stations like Starlab are emerging as key platforms for research and manufacturing in microgravity.
Microgravity enables higher-quality outcomes in pharmaceuticals, materials science, and fiber optics by reducing defects.
Space-based research often produces intellectual property and "seed" inputs that enhance production back on Earth.
Commercial space stations will operate through shared lab capacity across industries, especially biopharma.
Automation, astronaut rotation, and future robotic avatars will make long-duration space experimentation more feasible.
Orbital data centers are an emerging opportunity due to natural cooling and abundant solar energy.
Water extraction on the moon could support fuel production and sustained human presence.
Economic viability will determine the pace of lunar development and broader space commercialization.
Landing and returning from the moon remain the primary technical challenges, not reaching orbit.
Competition between the U.S. and China is likely to accelerate lunar exploration and development.
The space industry is expected to undergo consolidation similar to early railroad expansion.
Reusable, low-cost heavy-lift rockets are the key bottleneck being solved, primarily by SpaceX.
Chemical rockets are highly inefficient for deep space, making nuclear propulsion a likely future solution.
Human missions to Mars could realistically occur around 2030, though timelines remain uncertain.
Asteroid mining is technically possible but more likely to be executed by autonomous robots than humans.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Diana Perkins | Trading With Diana

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For more information, visit the full show notes at https://moneytreepodcast.com/the-space-economy-dylan-taylor-812

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As war continues on, we talk the impact of oil on the economy. Ongoing and often confusing geopolitical developments are driving sharp, sentiment-driven market swings. Markets initially following a "great rotation" into defensive sectors were shifting into broad selloffs during war uncertainty, and now are in a rapid "chase" back into growth and tech as investors repositioned after being caught offside. Despite strong headline earnings underlying data shows slowing economic activity, mixed sector performance, weakening housing, and uneven credit conditions, suggesting a late-cycle environment. With correlations breaking down, traditional diversification less effective, and tech valuations complicated by rising capital expenditures, caution and incremental positioning are important.

We discuss...

Markets reacted sharply to conflicting war headlines, showing how sentiment, not fundamentals, is driving short-term moves.
Rely on frameworks rather than predictions, since forecasting the future is inherently unreliable.
Current market strength is concentrated in tech, while most other sectors remain flat or weak.
Strong earnings reports are being driven in part by lowered expectations rather than true outperformance.
Economic data is softening, with slowing manufacturing, services, and forward-looking business activity.
Credit markets show mixed signals, with business borrowing strong but housing and consumer trends uneven.
The economy appears to be in a late-cycle phase, marked by narrow growth and increased fragility.
Traditional diversification is less effective as stock and bond correlations have turned positive.
Big tech faces scrutiny due to rising capital expenditures and uncertain returns on AI investments.
Market behavior is increasingly driven by positioning, psychology, and institutional flows.
Upcoming earnings from major companies are expected to add further volatility to markets.
Midterm election cycles historically bring choppy market conditions, reinforcing uncertainty.
The current rally may be a temporary bounce rather than a confirmed long-term trend.
Investors are encouraged to avoid chasing gains and instead scale into positions.
Holding cash and waiting for clearer signals is presented as a valid strategy.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/the-impact-of-oil-811

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Dan Passarelli joins us to share his best billionaire investing secrets as he takes us on his journey from trading on the Chicago Board Options Exchange floor to becoming an educator. He explains how options have evolved from a niche tool into a widely used strategy for investors seeking to both reduce risk and enhance returns. He emphasizes that while traditional diversification helps manage volatility, options can further "tilt the scale" by generating income and smoothing returns. We explore the common misconception that options are purely speculative, highlighting instead their flexibility for income generation, hedging, and tailoring trades to specific market views. The key takeaway is that options are powerful but nuanced tools, capable of improving long-term outcomes when used with education, risk awareness, and a structured approach.

We discuss...

Options have grown significantly in popularity as investors recognize their ability to enhance returns while managing risk.
Risk is often measured by volatility (standard deviation), and while diversification helps, options can further reduce portfolio swings.
Covered calls allow investors to generate consistent income by selling the right for others to buy their stock at a higher price.
Cash-secured puts enable investors to collect premium while setting target prices to potentially buy stocks at a discount.
The "wheel" strategy cycles between covered calls and cash-secured puts to continuously generate income and manage positions.
Options can be used strategically for income, hedging, or directional views rather than just speculation or gambling.
Complexity is a major barrier, but investors can start small, learn incrementally, and build skill over time.
More advanced strategies like spreads allow similar returns with lower capital but introduce trade-offs such as capped upside.
Market makers differ from retail traders by focusing on liquidity and pricing rather than directional bets.
Liquidity and bid-ask spreads play a critical role in execution quality and overall profitability in options trading.
The rise of meme stocks and platforms like Robinhood brought new participants into options trading, often with mixed results.
While some traders treat options as speculation, disciplined investors can use them as a structured risk management tool.
There is debate around whether selling options has an inherent edge due to risk premiums, though both buying and selling can be profitable.
Successful options trading requires understanding trade-offs, time horizons, volatility, and personal risk tolerance.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/billionaire-investing-secrets-for-normal-people-with-dan-passarelli-810

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The war is over? Next we were off to the moon! Today we talk geopolitical tensions in the Middle East and their impact on global markets. Markets have reacted optimistically despite underlying economic realities such as rising inflation, delayed energy shocks, and weakening global growth that have yet to fully materialize. Market movements are currently driven more by sentiment and positioning than fundamentals, with unusual sector reversals and shifting correlations adding to the complexity. Patience and caution are always the most important thing: markets are overstretched, earnings reactions matter more than the results themselves, and delayed economic impacts are likely to surface in coming months, meaning investors should focus on how markets respond to new information rather than blindly chasing momentum.

We discuss...

Reports of a ceasefire and the Strait of Hormuz reopening have boosted market optimism, though confirmation remains unclear.
Markets have rallied sharply, pricing in a best-case scenario despite limited improvement in underlying fundamentals.
Energy markets remain volatile, with oil shocks expected to impact the global economy with a delayed effect.
Emerging markets are facing greater strain due to reliance on energy imports and policy responses like subsidies and rationing.
Inflation pressures are rising again, driven largely by energy costs and sector-specific factors.
Global growth expectations are being revised lower, with downside risks increasing amid geopolitical uncertainty.
Market behavior has shifted from fear-driven to misaligned, where optimism is outpacing economic reality.
Sector performance has flipped compared to pre-war trends, with previous leaders now lagging and vice versa.
Correlations between asset classes have tightened, reflecting stress and leverage in the system rather than normal rotation.
The market is acting as a forward-looking mechanism, already pricing in expected future disruptions.
Earnings season should be evaluated based on market reaction rather than headline results.
Delayed economic impacts, especially from energy supply chains, are expected to show up in future quarters.
Labor market data shows cooling job and wage growth, adding pressure alongside rising costs.
Consumer spending is slowing, which could weigh on corporate profits moving forward.
Rapid market gains have created overbought conditions, increasing the risk of consolidation or pullback.
Investor positioning and short-covering have contributed to the recent rally.
Caution is advised against chasing momentum, particularly in an overstretched market.
Market conditions remain messy and difficult to interpret, with few clear trends emerging.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/the-war-is-over-809

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Neal Bawa is here today to discuss the investing intersection of real estate with ai science. Neil explains how he transitioned from a tech career into real estate by applying data science to identify high-performing markets, emphasizing that factors like job growth, population growth, income growth, home price trends, and crime reduction can significantly improve investment outcomes. He outlines how his team uses advanced analytics and AI tools to rank cities, analyze deals, and uncover insights that humans often miss, while also integrating AI deeply into company operations through structured systems like EOS. He highlights selective opportunities in distressed multifamily assets and emerging areas like senior housing, while cautioning that single-family and industrial assets remain expensive.

We discuss...

Neil Bawa transitioned from tech to real estate, using it as a tax-efficient path to build long-term wealth.
Key drivers of real estate performance include job growth, population growth, income growth, home price trends, and crime reduction.
He developed a data-driven system to rank U.S. cities and identify high-performing markets like Madera, California.
AI is deeply integrated into his company, with employees required to use it daily and contribute to building internal tools.
AI improves efficiency and insight generation, even if it occasionally makes calculation errors.
He expects modest interest rate declines in 2026, with mortgage rates around 6–6.3%.
Home prices are likely to remain flat or grow slightly (1–2%) due to improving supply and demand dynamics.
The "lock-in effect" from ultra-low pandemic-era mortgages has constrained housing supply and prevented price declines.
As rates ease, more sellers and buyers are expected to re-enter the market, balancing prices.
Multifamily real estate saw price declines with rising rates, unlike the single-family market.
Distressed multifamily deals present niche opportunities, especially in overleveraged markets.
The office sector is likely near a bottom, with gradual recovery driven by return-to-office trends and limited new supply.
Private credit is growing but carries elevated risk, requiring careful selection of managers.
Real estate overall is in a transitional phase after several challenging years, particularly for commercial sectors.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Marc Walton | Forex Mentor Pro

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Today we have war updates... patience and caution are needed as we focus on recent headlines. From inflation data and Fed commentary to geopolitical tensions and a temporary ceasefire, there has been surprisingly little lasting impact on markets. Underlying market weakness existed before the war and the conflict has mainly reshuffled sector performance leaving markets stuck in a fragile, uncertain range. While some areas like energy, materials, and staples showed prior strength, others such as software and parts of financials remain weak. Conflicting signals from interest rates, the dollar, and inflation expectations, along with continued volatility driven by political narratives rather than fundamentals, make it difficult to form a high-conviction outlook.

We discuss...

Markets largely ignored major news on inflation, Fed policy, and geopolitics, suggesting underlying uncertainty and indecision.
The market was already weakening before the war, meaning the conflict mainly shifted trends rather than creating new ones.
Current price action reflects a choppy trading range with no clear directional trend emerging.
Software and parts of technology remain notably weak, even compared to pre-war levels.
Semiconductor stocks have held up better, creating divergence within the tech sector.
Financials are showing signs of stress, partly due to concerns around private credit and hidden risks.
Lack of transparency in financial system exposures poses a greater risk than the size of the problem itself.
The yield curve is flattening, reducing profitability for banks and signaling potential economic pressure.
Interest rates, the dollar, and inflation expectations are sending mixed and unreliable signals.
Oil price dynamics and futures markets suggest expectations of declining prices despite short-term spikes.
Inflation impacts from higher energy costs may not be fully felt for several months.
Geopolitical developments, particularly involving Trump's negotiation style, add unpredictability to market behavior.
Sitting in cash is a valid strategy in uncertain environments despite inflation concerns.
Missing small upside moves is preferable to being exposed to sudden market drawdowns.
Elevated valuations and lingering macro risks suggest markets may not be as stable as they appear.
Relief rallies can occur even while underlying economic and market stress persists.
There are currently very few high-conviction investment opportunities across markets.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/war-updates-patience-and-caution

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Have you ever thought about getting rich with music royalties? Jon Gestal explains how music royalties function as an alternative investment and the complex ecosystem where songwriters, artists, publishers, and labels earn income from licensing, streaming, radio, and live performances. He shares how platforms like Royalty Exchange create liquidity by allowing creators to sell partial or full rights to those cash flows. Royalty streams vary in structure and stability, often following a lifecycle where earnings spike early and then settle into more predictable long-term income, making seasoned catalogs attractive for passive income investors seeking diversification from traditional markets.

We discuss...

Music royalties consist of multiple income streams, including performance, mechanical, and sound recording royalties.
Artists earn money from a mix of royalties, live performances, advances, and synchronization deals like TV, movies, and commercials.
Streaming platforms like Spotify pay royalties based on a share of revenue rather than a fixed rate per play.
Music catalogs typically follow a lifecycle where earnings spike early and then decline into a more stable, predictable long-term cash flow.
Older, "seasoned" catalogs tend to be more attractive to investors seeking consistent passive income.
Investors can purchase royalties from individual songs, groups of songs, or entire catalogs depending on the seller's needs.
The growth of global streaming and emerging markets continues to expand the overall music royalty pool.
Technology and social media have changed how artists are discovered, but success remains just as difficult as before.
Artists today have more independence and flexibility, reducing reliance on traditional record label deals.
The conversation highlighted the increasing financialization of entertainment assets, including music, sports, and film.
Fractional ownership allows smaller investors access to royalties but often reduces returns due to multiple layers of fees.
"Vanity investing" and emotional attachment can influence decisions when investing in entertainment assets.
Music royalties can serve as a diversification tool since they are largely uncorrelated with traditional financial markets.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Marc Walton | Forex Mentor Pro

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For more information, visit the full show notes at https://moneytreepodcast.com/getting-rich-with-music-royalties-jon-gestal-806

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Today we talk the war impact on the US Economic cycle. Global uncertainty is distorting market behavior and the gap between perception and reality, particularly in areas like oil supply, emphasizes that prices, not narratives, are the most reliable signal. We explore rising oil prices, shifting interest rates, and a flattening yield curve, while stressing the importance of adapting investment theses as new information emerges rather than clinging to outdated views. We also talk sector performance, valuation concerns, global energy vulnerabilities, and how different economies are reacting to supply shocks. Investors cannot control external events but must remain flexible, focus on market signals, manage risk, and avoid emotional decision-making, especially in uncertain environments where sitting on the sidelines may be the most prudent strategy.

We discuss...

Markets are currently being driven more by narratives, geopolitics, and sentiment than by traditional fundamentals.
There is a significant disconnect between public perception and reality, especially in areas like global oil supply.
Rising oil prices and war-related uncertainty are pushing inflation expectations and interest rates higher.
The yield curve is flattening, signaling changing economic conditions and potential stress in lending and growth.
Market price action is the most reliable indicator of truth, reflecting collective positioning and expectations.
Many stocks are experiencing deeper drawdowns than headline indexes suggest, masking underlying weakness.
Certain sectors like energy and value stocks are outperforming, while growth and tech are under pressure.
Global energy disruptions are exposing the fragility of supply chains and impacting economies unevenly.
Emerging markets and energy-dependent countries are feeling the effects of the crisis more quickly.
Valuation concerns remain, particularly in high-multiple companies where earnings may not support prices.
Historical data suggests Q1 performance does not strongly predict the rest of the year's market returns.
Economic cycles influence which asset classes perform best, requiring shifts in portfolio allocation over time.
War conditions disrupt normal market cycles, making traditional frameworks less reliable in the short term.
Investors should prioritize risk management, flexibility, and avoiding emotional decision-making.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/war-impact-on-the-us-economic-cycle-805

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Marc Walton shares his journey from running traditional businesses in the UK to working in forex trading. His investing work expands across forex, crypto, and global markets, emphasizing the importance of adaptability and recognizing market cycles. We talk how institutional players like Wall Street often manipulate narratives and markets, creating opportunities for informed investors who understand positioning and sentiment. Marc highlights key areas of opportunity he sees today, including gold and silver, rare earth metals, uranium, energy, and select crypto assets. We also explore skepticism around AI as a potential bubble similar to the dot-com era, debates its real-world utility versus hype, and how macro forces, politics, and investor psychology drive markets more than fundamentals. Success comes from staying flexible, thinking independently, managing risk, and aligning with larger market forces rather than trying to fight them.

We discuss...

Marc Walton transitioned from running traditional UK businesses to full-time trading and investing across forex, crypto, and global markets.
Early retirement led him to forex trading, where he initially lost money before finding success through mentorship and disciplined learning.
A major wealth inflection point came from early crypto investments, particularly in Bitcoin, Ethereum, and Cardano.
Wall Street firms frequently criticize assets like crypto publicly while quietly positioning to profit from them.
Marc stresses the importance of taking profits and managing risk, especially in volatile assets like crypto.
Energy demand, particularly driven by AI and electrification, is seen as a major long-term investment theme.
Markets are increasingly driven by sentiment, politics, and liquidity rather than traditional fundamentals.
Forex trading is described as complex but manageable if approached professionally rather than as gambling.
Retail investors often struggle due to lack of financial education, discipline, and follow-through on investment decisions.
Geopolitical factors, including China's control of rare earths, are shaping long-term investment opportunities.
Speculative sectors like cannabis and high-yield ETFs were explored with caution around risk and sustainability.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Diana Perkins | Trading With Diana

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For more information, visit the full show notes at https://moneytreepodcast.com/forex-trading-marc-walton-804

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What is happening in the markets right now? Today we focus on how war, geopolitical uncertainty, and shifting economic conditions are driving unusual market behavior. Markets are increasingly reacting to narratives, sentiment, and positioning rather than clear fundamentals. There is a repeating weekly pattern of short-term gains followed by declines, emphasizing that market reactions are the most reliable signal of truth amid widespread misinformation. Rising oil prices are fueling short-term inflation expectations and inflation may ultimately prove temporary unless conflict persists. We also talk structural shifts in markets, including weakening breadth, a transition from emotional reactions to repricing, pressure on technology stocks due to AI concerns, and a gradual move by consumers toward essentials. It's important to adapt your strategy to market regimes and use risk management, smaller position sizing, and cash for optionality. The current environment is a volatile, tactical market where active management, liquidity awareness, and flexibility are critical.

We discuss...

Market reactions are the most reliable indicator of what information is actually meaningful.
Rising oil prices are driving short-term inflation expectations through higher energy and transportation costs.
Inflation may prove temporary if conflict resolves quickly, but could persist if disruptions last several months.
Volatility remains elevated, but panic has faded as investors adjust positioning.
Technology stocks are weakening due to concerns about AI disrupting traditional software business models.
Market breadth is deteriorating, with fewer stocks supporting overall index performance.
Consumers are shifting spending from discretionary items toward essential goods.
Housing markets are stagnating, with high mortgage rates freezing transaction activity.
Liquidity risks are building across sectors including private credit, commercial real estate, and banking.
Geopolitics is now a primary market driver, impacting supply chains, energy, and global capital flows.
Investors are experiencing narrative fatigue, becoming desensitized to headlines despite rising underlying risks.
The current environment favors active, tactical investing over passive buy-and-hold strategies.
Fundamentals are less reliable in the short term, with price action driven more by sentiment and positioning.
Risk management, smaller position sizing, and quick decision-making are critical in volatile markets.
Holding cash provides optionality and the ability to deploy capital during market dislocations.
Options and technical trading strategies may offer opportunities in a high-volatility environment.
Secular and cyclical market cycles require different approaches, with potential transition into a longer-term bear phase.
Avoiding overleveraged assets and rate-sensitive sectors is key as financial conditions tighten.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/happening-in-the-markets-803

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Medicare madness solved! Join us as Sylvia Gordon demystifies retirement planning, explaining how Medicare and Social Security actually work, highlighting key age milestones and emphasizes that there is no one-size-fits-all strategy. Descisions depend heavily on individual health, finances, and lifestyle goals. We break down Medicare's complex structure, contrasts private Medicare Advantage plans with traditional coverage, and explores common (and costly) misconceptions while also addressing broader systemic issues such as rising healthcare costs, doctor shortages, and policy uncertainty. Personalized planning is the most important thing you can do as there is no one-size-fits-all set up. Early education and understanding nuanced rules like spousal and ex-spousal Social Security benefits can help you avoid leaving money on the table.

We discuss...

Sylvia Gordon explained her background training insurance agents and simplifying retirement topics through short-form educational content.
Many people misunderstand that taking Social Security early permanently reduces benefits and that Medicare does not begin at the same time.
There is no universal "rule of thumb" for claiming Social Security, as decisions depend on the individuals goals.
Medicare enrollment at 65 is optional if you continue working with qualifying employer coverage, which can prevent unnecessary costs.
Prescription drug coverage now includes a capped out-of-pocket maximum, though costs have shifted for many users.
Healthcare system challenges such as doctor shortages and low Medicare reimbursement rates were discussed as reasons providers limit Medicare patients.
Rising healthcare costs and inefficiencies are major pressures on the long-term sustainability of retirement systems.
Future changes to Social Security and Medicare are likely to include higher retirement ages and reduced benefits due to demographic trends.
Policy changes are often phased in gradually to avoid political backlash and protect current retirees.
The conversation explored potential reforms like lowering drug prices and reducing U.S. subsidization of global pharmaceutical costs.
Medical tourism and international drug purchasing are discussed as cost-saving strategies not typically covered by Medicare.
Medicare generally does not cover alternative or functional medicine, requiring out-of-pocket spending for those services.
Incentives within healthcare, such as provider bonuses and system constraints, can influence treatment recommendations.
Many retirees miss benefits or make suboptimal decisions due to lack of education and reluctance to discuss finances within families.
Starting retirement planning in your 50s, and helping parents navigate the system, can improve outcomes and understanding.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/medicare-madness-solved-sylvia-gordon-802

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WAR… and no market crash… Are we in a bear market or a bull market? Rapidly shifting narratives, once centered on a soft landing, rate cuts, and strong consumers, have been disrupted by war, oil volatility, and weakening economic data, creating widespread uncertainty and "busted brackets" for investors. Markets are behaving irrationally, often reacting more to expectations and propaganda than clear fundamentals, making prediction unreliable and reinforcing the importance of scenario-based thinking rather than conviction. There will either be a quick end to the conflict that could drive lower oil, falling rates, and a rebound in bonds and staples, or a prolonged war leading to higher inflation, economic strain, and limited upside across most assets.

With elevated correlations, fragile financial systems, and a stalled market that has gone largely sideways, traditional diversification may not provide protection. The key takeaway is caution and avoiding emotional decisions! As always, adaptability and risk management matter more than trying to predict outcomes in a highly unstable environment.

We discuss...

Markets are behaving like March Madness, with unpredictability, momentum shifts, and broken narratives replacing earlier optimism around a soft landing.
Geopolitical conflict and unclear information flows are driving volatility, making it difficult to distinguish truth from market-moving narratives.
The market appears to be pricing in a short-lived conflict, despite ongoing uncertainty and mixed signals.
Traditional diversification is less reliable as correlations between stocks and bonds have increased in recent years.
Energy has emerged as the primary outperformer, while most other sectors struggle amid rising costs and uncertainty.
Financial system risks are building, particularly in private credit and banking exposure, signaling potential stress beneath the surface.
Consumer strength is weakening as higher costs and debt begin to pressure spending behavior.
Housing remains a major concern, with rising supply and weak demand due to elevated mortgage rates.
Market movements often contradict headlines, reinforcing the need to observe price action rather than rely on media narratives.
"Buy the dip" strategies are risky in uncertain or potentially bearish environments.
Sitting in cash or staying defensive can be a strategic choice when market direction is unclear.
Predictions from Wall Street are often overly optimistic and fail to account for downside risks.
Volatility and confusion in markets are often the result of mispriced uncertainty rather than clear economic deterioration.
Successful investing in this environment requires adaptability, patience, and disciplined risk management rather than bold predictions.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/war-and-no-market-crash-801

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Elliott Holland is back with us to help us explore today's investing landscape. We discuss concerns about illiquidity, continuation funds, and efforts to expand private equity access into retirement accounts such as 401(k)s, as those moves may be driven by a need for liquidity rather than investor benefit. We also talk how investor psychology, ego, and exclusivity often influence capital allocation, while experienced investors should focus instead on fundamentals like who has better information in a transaction and whether there are multiple ways to win in an investment. We dive into emerging areas like search funds, small business acquisitions, and roll-up strategies, highlighting both their potential and risks. There is importance to patience in investing, as technologies like AI may reshape research, decision-making, and competitive advantages for investors and business owners.

We discuss...

Whether private equity still deserves its reputation as producing the smartest investors and best returns in finance.
Private equity returns have declined over the past decade and in many cases barely outperform the S&P 500.
Mezzanine debt is highlighted as an alternative that has historically produced better returns with less risk and shorter lockups than private equity.
Continuation funds and other mechanisms allow private equity firms to extend holding periods when they cannot find buyers.
Some private equity firms are struggling with liquidity because they cannot exit deals at the valuations they promised investors.
Illiquid investments with mediocre returns may not be worth the long lockup periods required.
How exclusivity and the desire to invest alongside prestigious managers can lead investors to overlook fundamentals.
How Wall Street often profits regardless of whether the underlying investments succeed.
The Stanford model of funded search funds is historically producing strong reported returns.
Increased competition for small business deals may be inflating prices and reducing returns.
In some cases sellers may misrepresent financial performance to attract inexperienced buyers.
Roll-ups can work when a larger buyer eventually acquires the combined platform at a premium valuation.
Real estate is an example where multiple exit paths can justify accepting illiquidity.
Periods of market stress often create the best opportunities for patient investors.
Investors often regret not having enough capital ready during market downturns.
The conversation also examines how smaller investors may have advantages over large institutions in finding niche deals.
How new technologies and economic changes may create opportunities for the next generation of investors.
AI is described as a productivity tool that can accelerate research and idea development, though AI outputs are not always reliable and require human judgment.
Experienced professionals who combine domain knowledge with AI tools may gain a major advantage.
Leaders should ensure someone within their organization is actively monitoring AI developments.
Investors and entrepreneurs should stay curious, patient, and disciplined while adapting to changing markets and technologies.

Today's Panelists:

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

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For more information, visit the full show notes at https://moneytreepodcast.com/todays-investing-landscape-elliott-holland-800

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Private credit could be the next black swan and we're going to break it down for you. We also discuss the ongoing war and how geopolitical uncertainty is affecting financial markets, investor psychology, and economic conditions. Misinformation, AI-generated content, and media bias make it difficult to know what is actually happening amidst the "fog of war", which increases market uncertainty. Markets have reacted with volatility rather than a sharp crash, highlighting unexpected moves such as a stronger U.S. dollar, mixed performance across sectors, and spikes in oil prices that could fuel inflation. Risk management is of the upmost importance during uncertain periods and investors should reassess their theses, reduce exposure when necessary, and consider holding cash until clearer trends emerge. We also talk broader economic risks including rising credit balances, potential policy mistakes by central banks, and structural concerns in areas like private credit and financial sector exposure.

We discuss...

The ongoing war has created uncertainty and a wide range of opinions about its political and economic implications.
The S&P 500 has only modestly declined so far, suggesting markets have not fully priced in the potential risks.
Traditional market expectations have been challenged, such as the U.S. dollar strengthening instead of weakening.
Oil prices have spiked due to geopolitical tensions, raising concerns about inflation and broader economic impacts.
Energy has been the strongest-performing sector while many other sectors have struggled.
Risk management should come before return-seeking when uncertainty is high.
Investors should not hesitate to move to cash when market conditions become unclear.
Crowded trades in war-related assets like energy, defense, and gold could reverse if sentiment shifts.
The potential for consumer stress is highlighted, including rising credit card balances and higher costs from energy prices.
Rising mortgage rates are a factor that could freeze housing activity during the spring selling season.
Geopolitical risk is increasingly being priced into markets after years of relative stability.
The current environment may represent a shift away from the low-rate, liquidity-driven market regime of the past decade.
Policy mistakes by governments or central banks could become a bigger risk than the war itself.
There are potential risks in the private credit sector, particularly due to limited regulation and transparency.
Private credit has replaced some traditional bank lending since the 2008 financial crisis.
Redemption freezes in private credit funds could signal stress in the system.
Patience, discipline, and careful portfolio management are essential during periods of geopolitical and economic uncertainty.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/the-next-black-swan-799

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Jade Miller is here to discuss the pros and cons of alternative investments. Jade shares her journey to becoming the CEO of the Alternative & Direct Investment Securities Association (ADISA), her background in private markets, and ADISA's role in advocating for and expanding access to alternatives for financial advisors and investors.

We explore the growing push to include alternative investments in 401(k) plans, investor misunderstanding, and potential regulatory challenges. We also talk the importance of thorough due diligence, common red flags, and the need for greater transparency from fund managers.

We discuss...

Jade Miller discusses her background in private markets, primarily real estate, and her transition to becoming the first CEO of the ADISA.
ADISA's mission is to advocate for alternative investments, provide education and due diligence standards, and connect financial advisors with alternative investment managers.
The alternatives industry is shifting from limited access for wealthy investors toward broader availability, including potential inclusion in 401(k) retirement plans.
Large institutional managers are likely to dominate 401(k) alternative offerings rather than smaller private fund sponsors.
Liquidity constraints and fund structures such as interval and tender-offer funds will likely shape how alternatives are implemented inside retirement plans.
Illiquid investments in retirement accounts can carry a higher risk of fraud or poor diligence because the capital is often locked up for long periods.
Increased transparency and reporting expectations from investors are pushing alternative fund managers to provide more detailed disclosures.
Financial advisors play a key role in helping investors assess alternative opportunities and navigate complex investment structures.
Unrealistically high projected returns and lightly vetted crowdfunding deals can be major warning signs for investors.
Real estate is highlighted as a foundational alternative asset due to its tangible nature, income potential, and long-term demand.
Alternative investments can offer meaningful tax advantages, including depreciation benefits, opportunity zone incentives, and oil and gas deductions.
Roth conversion strategies can sometimes be enhanced through private investments that temporarily reduce valuation during development stages.
Investors and financial advisors who ignore alternative investments risk falling behind as the asset class becomes a larger part of diversified portfolios.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Marc Walton | Forex Mentor Pro

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There's war in the middle east and there will be huge impacts on your portfolio! Today we talk about how war-related uncertainty and conflicting economic signals are creating unusual market behavior, making it difficult for investors to interpret short-term movements. Broad market declines across many asset classes can indicate de-leveraging rather than money simply rotating elsewhere, and geopolitical tensions, rising oil prices, weakening job data, and potential stagflation risks are adding pressure to the economy.

While some sector rotation into energy, commodities, and defensive assets is occurring, be wary that wartime conditions disrupt normal market trends, making strategies like "buying the dip" risky. Now is the time for risk management as preserving capital during periods of uncertainty is often more important than trying to time short-term market moves.

We discuss...

How misinformation, AI-generated content, and limited reliable sources make it difficult to understand what is actually happening during geopolitical conflicts.
How negative political messaging often backfires psychologically because the human brain tends to ignore the word "not" and focus on the core concept.
The unusually volatile week in markets, where prices swung sharply day-to-day despite ongoing geopolitical tensions.
Markets do not always react logically to major events like wars, with assets sometimes moving in unexpected directions.
A key explanation for broad market declines was de-leveraging, where leveraged positions are unwound and excess liquidity effectively disappears from the system.
Investors rarely know the full reasons behind short-term market movements because many institutional trades occur behind the scenes.
"Buying the dip" works in bull markets but can lead to significant losses during bear markets or uncertain environments.
During wartime conditions traditional market frameworks often break down, making predictions especially unreliable.
Reduce risk exposure and avoid aggressive trades until geopolitical uncertainty becomes clearer.
Recent economic data show job losses and rising unemployment, which adds pressure to an already fragile economic outlook.
Capital is rotating into defensive areas such as energy, commodities, defense stocks, and gold.
Market rotations are normal in healthy markets but can become distorted when geopolitical shocks occur.
Holding cash can be a strategic decision during uncertain markets rather than a missed opportunity.
How falling interest rates could eventually lower mortgage rates and trigger more activity in the housing market.
Investors should focus on protecting capital and managing downside risk during periods of extreme uncertainty.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/investors-are-fleeing-into-this-sector-797

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Jose Mayora, author of Wall Street's Blind Spots, a new book about the realities of value investing in a market dominated by mega-cap growth stocks, explains that true value investing is not about low P/E ratios but about buying businesses at a meaningful discount to intrinsic value.

He emphasizes disciplined, bottom-up research, geographic and sector diversification, and concentrated portfolios to uncover overlooked opportunities. We also explore the psychological challenges of investing through crashes and euphoric markets, the tension between patience and performance when managing other people's money, and the risks of over-investment.

We discuss...

Jose Mayora shares his background in investment banking, economics, earning the CFA, and co-founding DeVita Valley Growth Fund with a disciplined value-oriented philosophy.
The discussion highlights how traditional value strategies have lagged during the dominance of mega-cap tech stocks, particularly the "Magnificent Seven," over the past decade.
Mayora emphasizes that avoiding high-multiple stocks purely on valuation optics can cause investors to miss strong businesses compounding at high rates.
The conversation underscores the importance of remaining impartial and avoiding confirmation bias from sell-side research, headlines, or popular narratives.
Mayora argues that concentrated portfolios of 10–16 positions are more realistic for true value investing, as finding dozens of genuine bargains in expensive markets is unlikely.
We examine how broad market crashes create opportunity because markets become indiscriminate, often punishing high-quality companies alongside weaker ones.
Historical examples like Google during the 2008–2009 crisis illustrate how strong businesses temporarily trade at compelling valuations during downturns.
The psychological challenge of buying low-quality "junk" stocks for sharper rebounds versus sticking with durable high-quality companies is debated.
They discuss how long recoveries—such as after the dot-com crash—can test investor patience even when valuations are compelling.
Mayora explains that maintaining close communication and philosophical alignment with investors helps navigate inevitable periods of underperformance.
They debate missed opportunities in large-cap tech and the difficulty of staying disciplined when high-momentum stocks dominate returns.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors
Marc Walton | MarcWalton.com

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For more information, visit the show notes at https://moneytreepodcast.com/wall-street-blind-spots-jose-mayora-796

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There is a sector rotation happening and today we're here to discuss it! We also touch on the sudden U.S. conflict with Iran as this is not the time to start reacting emotionally to early headlines, misinformation, and media fear cycles. Keep in mind historical market reactions to prior military strikes; while volatility typically spikes, equity drawdowns have historically been modest and short-lived unless oil supply or credit markets break down.

We also highlight that markets are driven more by liquidity and capital flows than headlines and investors should focus on historical patterns, sector positioning, bond duration strategy, and risk management rather than panic, while closely watching oil prices, credit spreads, and bond yields for signs of deeper systemic stress.

We discuss...

The concept of the "fog of war," warning listeners not to trust early reports, viral videos, or emotionally charged headlines.
Media outlets monetize fear and that investors should avoid panic-driven decisions.
Historical data from past U.S. military strikes was reviewed, showing that market drawdowns are typically modest and short-lived.
Oil prices spiked on geopolitical risk, but the move was framed as a fear premium rather than confirmed supply disruption.
The U.S. dollar was expected to strengthen in the short term as capital seeks safe-haven assets.
Sector rotation was highlighted, with money moving out of mega-cap tech and into energy, materials, and defensive sectors.
Utilities, staples, and healthcare were identified as traditional late-cycle or risk-off sectors.
If capital exits large tech allocations, there are limited sectors large enough to absorb those flows without major price distortions.
Bonds were presented as increasingly attractive if interest rates begin to decline.
Long-duration bonds tend to benefit most when yields fall due to the inverse price-yield relationship.
Lower mortgage rates were projected as a possibility, which could reignite housing demand but also drive home prices higher again.
Markets are driven more by liquidity and money flows than by headlines or fundamentals alone.
Investors should focus on second- and third-order effects rather than reacting to the immediate shock of war.
Credit spreads, bond yields, and oil prices are key indicators to monitor for signs of systemic stress.
Remain disciplined, historically grounded, and risk-aware rather than emotionally reactive.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the full show notes at https://moneytreepodcast.com/sector-rotation-795

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The silver party is just beginning as precious metals expert David Morgan shares his journey from early fascination with silver coin debasement to becoming a long-time financial analyst focused on the silver market. Morgan argues that silver is widely misunderstood as merely speculative, emphasizing instead its critical industrial role in AI, EVs, solar, and advanced technologies amid a structural supply deficit and declining mine output. We explore alleged market manipulation through paper derivatives and "spoofing," the growing influence of physical demand over futures pricing, and why mining stocks may be significantly undervalued relative to rising silver prices. We also deep dive into Bitcoin's impact on precious metals demand, skepticism around crypto's "freedom" narrative, and broader reflections on monetary systems, inflation, and personal responsibility in navigating an uncertain financial future.

We discuss...

David shares how the removal of silver from U.S. coinage sparked his lifelong interest in sound money and finance.
He argues silver is strategically indispensable due to rising industrial demand from AI, EVs, solar, and advanced technologies.
Global silver supply has been flat to declining since 2016, creating a multi-year structural deficit.
Most silver is produced as a byproduct of base metal mining, limiting the incentive to increase supply.
David explains that silver trades largely as a paper derivatives market, which can suppress price discovery.
Recent price spikes may signal a shift from paper-driven pricing to physical supply constraints in industrial bars.
Retail investors have largely been selling into strength, while industrial demand has driven the latest rally.
Mining stocks appear undervalued relative to higher silver prices, offering potential leverage to the upside.
The discussion highlights how value investors and major funds may eventually rotate into precious metals equities.
David suggests Bitcoin has evolved away from its original decentralization narrative and is now institutionally influenced.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Diana Perkins | Trading With Diana

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For more information, visit the show notes at https://moneytreepodcast.com/the-silver-party-is-just-beginning-david-morgan-794

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Do you want to know investment success secrets? Look no further than today's discussion! The long-dominant "buy the Magnificent 7 and forget it" tech trade is fading, with sector rotation favoring energy, materials, and staples while technology and discretionary lag. Drawing on presidential cycle data, it seems markets often experience weakness and corrections in midterm years before potential strength later, though today's backdrop of sticky inflation, high debt, and constrained Federal Reserve policy could challenge historical norms. Liquidity over politics is the true market driver and power preservation incentives may shape fiscal and economic decisions and highlights opportunities in defensive sectors and fixed income if rates fall. As always, disciplined investing is the most important: avoid ego, abandon rigid outcome-based predictions, adopt scenario-based thinking, respect price action, and define in advance when you are wrong.

We discuss...

The long-standing strategy of simply buying mega-cap tech stocks is breaking down as sector leadership rotates.
Energy, materials, and staples are outperforming while technology and discretionary stocks lag, signaling possible market-top behavior.
Historical sector rotation patterns suggest markets may be transitioning from expansion toward a late-cycle phase.
Midterm presidential years historically bring volatility and frequent 10–20% corrections before potential recovery.
Liquidity is framed as the primary force driving market cycles.
Today's environment of sticky inflation, high debt, and constrained Federal Reserve policy may weaken the reliability of historical patterns.
Defensive sectors and fixed income could benefit if growth slows and interest rates decline.
Political incentives around power preservation may influence fiscal decisions and economic optics heading into elections.
Investors are warned not to blindly "buy the dip," especially in volatile assets like crypto.
The hosts stress that price action ultimately determines whether an investment thesis is right or wrong.
Ego and overconfidence are identified as major threats to long-term investing success.
Outcome-based thinking is discouraged in favor of scenario-based planning across multiple probable outcomes.
Behavioral research shows experts often double down when wrong, reinforcing the importance of flexibility.
Successful investing requires humility, adaptability, risk management, and clearly defined exit strategies.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.cominvesting-success-secrets-793

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Tom Hoffman shares the Family Private Enterprise Model for business succession. As an attorney and CPA at Knox Law Firm, Tom discusses his 30+ years of experience in business succession, complex estate planning, and asset protection, focusing on how families can successfully transition businesses across generations. He explains that while most owners want to keep their companies in the family, few heirs are truly prepared to lead, making clarity of goals, fairness (not necessarily equality), and strong communication essential to preserving family harmony. Tom outlines common pitfalls such as forcing children into roles they don't want or failing to define objectives early. He also contrasts selling versus retaining the business, highlighting tax implications, the risks of dissipating liquid wealth, the role of family offices and trusts in preserving capital, and the broader community impact of keeping businesses local.

We discuss...

While about 70% of owners want to keep their business in the family, only 20–25% of children are typically prepared to lead it.
Succession planning should start with clearly defining the family's goals rather than jumping straight into structural decisions.
Fairness in dividing assets does not always mean equality, especially when some children work in the business and others do not.
Lack of communication is the primary driver of family conflict during transitions.
"Self-realization" conversations help family members come to their own conclusions about what is fair, preserving harmony.
Outside consultants and counselors are often necessary when emotional, mental health, or substance issues complicate planning.
Forcing children into leadership roles they do not want can create long-term personal and business damage.
Hiring a professional outside CEO can dramatically improve performance and free the senior generation from daily operations.
Professionalized management often increases EBITDA significantly and expands the pool of qualified leadership talent.
Even if the business is eventually sold, building a strong management team substantially increases valuation.
Family offices and multigenerational trusts can help preserve and strategically deploy large pools of liquid wealth.
The "family private enterprise model" offers an alternative to selling by keeping ownership while professionalizing operations.
Succession planning is a process that requires coaching, buy-in, and intentional cultural transition rather than a one-time transaction.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/family-private-enterprise-model-tom-hoffman-792

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The run is hot economy is here! Today we talk markets, and debunk alarmist headlines about rising Japanese bond yields. We also talk about a significant market rotation: expensive mega-cap tech stocks are faltering while capital flows into "boring" sectors like staples, industrials, energy, healthcare, and utilities, with international markets also outperforming. Watch out about chasing falling tech names or trying to pick bottoms in areas like crypto. Diversification is always the way to go so understand sentiment cycles and focus on where money is flowing rather than where it has already been. Successful investing is about discipline, context, and avoiding emotional decisions.

We discuss...

Japan's 10-year government bond yield rising from near 0% to over 2%, which has sparked global concern.
Because most Japanese government debt is owned domestically—by the central bank and pensions—the systemic risk narrative may be exaggerated.
Market headlines often amplify short-term moves without proper historical framing.
A large percentage of U.S. stocks are trading at very high price-to-sales ratios, exceeding even dot-com-era levels in some measures.
Companies like Apple have high valuations despite limited recent earnings growth, raising questions about sustainability.
Rotations are normal cycles in markets, where leadership shifts rather than the entire market collapsing.
Utilities and staples—traditionally "boring" sectors—have recently outperformed while software and high-beta tech stocks have sold off sharply.
International markets, particularly emerging markets and Europe, have outperformed the U.S. year-to-date.
Heavy AI-related capital expenditures announced by large tech firms may have contributed to investor concerns.
We compare crypto cycles to past tech bubbles, noting that true bottoms often occur when sentiment disappears and investors stop paying attention.
Focus on where capital is flowing now rather than chasing sectors based on past performance.
Diversification, patience, and understanding market cycles are essential for long-term investing success.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/run-it-hot-economy-is-here-791

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New technology is coming soon and here is how to invest in the future! Inventor and investor Pablos Holman shares his journey from early computer hacking to co-founding Blue Origin, leading a prolific deep-tech lab, and now backing "mad scientists" building hard technologies beyond software. He believes Silicon Valley has over-indexed on easy software gains while neglecting transformative advances in hardware, energy, and real-world systems. He explains how breakthroughs in computation now let us model and simulate the physical world, from disease eradication to supply chains, marking a toolkit upgrade on par with the steam engine, while also wrestling with the social, regulatory, and human challenges that slow progress. We talk AI's real potential beyond chatbots, the urgent need to 10x global energy, decentralization vs. centralization in tech, the societal costs of social media, and even more!

We discuss...

Pablos Holman described his path from early computer hacking to founding deep-tech ventures like Blue Origin and running a VC fund focused on inventors building real-world, non-software technologies.
Pablos framed technological progress as periodic "toolkit upgrades," comparing today's advances in computation and simulation to the impact of the steam engine.
Modern computational models enable simulations of complex systems like disease spread, cities, and supply chains, dramatically improving decision-making.
The conversation highlighted AI's true value as modeling the world while warning of over-centralization and privacy tradeoffs in the near term.
Global energy scarcity is the real bottleneck to progress and peace, requiring a massive scale-up in clean, cheap energy.
Nuclear power is the only viable path to global energy production and described new reactor designs nearing deployment.
The discussion explored how regulatory and political systems, rather than technology itself, are often the biggest obstacles to innovation, especially in healthcare and energy.
Pablos criticized social media for societal damage but argued the core issue is human responsibility and misuse rather than the technology itself.
AI and crypto represent an open experimental phase where individuals can still influence outcomes before power consolidates.
Pablos encouraged people to actively engage with and help build meaningful technologies instead of passively reacting to technological change.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Diana Perkins | Trading With Diana

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For more information, visit the show notes at https://moneytreepodcast.com/how-to-invest-in-the-future-790

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Dump your tech because this sector is booming and we are going to tell you what it is! Today we talk the sharp risk-off shift across markets as recent selloffs in crypto, precious metals, and especially technology reflect excessive greed being unwound rather than a systemic collapse. This is not a buy-the-dip environment, and you shouldn't be chasing volatility-heavy assets like crypto and metals too early. We also highlight a clear rotation of liquidity away from growth and speculative assets into value-oriented, defensive sectors such as healthcare, consumer staples, industrials, utilities, energy, and select international stocks, as these boring, low-beta areas are sometimes outperforming amid tech weakness, layoffs, earnings disappointments, and rising macro uncertainty, making capital preservationn and patience more important than chasing rebounds.

We discuss...

Markets are undergoing a clear risk-off rotation, with speculative assets like tech, crypto, and precious metals selling off after periods of extreme greed and overcrowded positioning.
Precious metals remain in a long-term bull market but may require one to two years of consolidation before sustainably moving higher.
Crypto's sharp drawdowns and volatility are described as a feature, not a flaw, but current volatility suggests it is not yet an attractive risk-reward entry.
Capital is rotating into value and defensive sectors such as healthcare, consumer staples, utilities, energy, and industrials.
Value stocks are outperforming growth stocks, marking a notable regime shift from the past decade's market leadership.
Defensive, cash-flow-generating businesses are highlighted as portfolio stabilizers during periods of market stress.
Weakening labor market data and rising layoffs are adding to macro uncertainty and undermining the soft-landing narrative.
Correlations across risk assets are rising, reducing the diversification benefits of traditionally speculative assets like crypto.
Market indices such as the NASDAQ are less reflective of pure tech weakness due to non-tech constituents providing offsetting support.
Liquidity is described as moving like water, flowing out of stressed sectors and into areas showing relative strength.
The January seasonal "risk-on" effect failed to materialize, suggesting macro forces are overpowering historical patterns.
Short-term technical indicators show elevated volatility but not yet a definitive structural breakdown.
Investors are encouraged to focus on where money is flowing rather than what looks cheap after a selloff.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/this-sector-is-booming-789

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Commercial real estate veteran Ben Reinberg shares how he uses hard assets and smart debt to strengthen his investing portfolio. He shares his journey from starting in his early 20s to building a national hard-asset portfolio across industrial, office, retail, multifamily, and medical real estate. We talk the importance of the "ability to hold" assets through cycles by avoiding over-leverage, maintaining reserves, and structuring smart debt. Ben outlines where commercial real estate sits in the current cycle, highlighting looming debt maturities, distressed opportunities, and the potential for attractive buying conditions over the next few years.

We discuss...

Ben Reinberg explains how he built wealth starting in his early 20s by focusing on hard assets, particularly commercial real estate, as a long-term strategy for cash flow and financial control.
He emphasizes the importance of becoming a true expert in a specific asset class rather than spreading focus too broadly.
He shares lessons from his first industrial deal, including managing tenant loss, repositioning assets, and creating value through active ownership.
A central theme was the "ability to hold," meaning structuring investments to survive any market cycle without being forced to sell.
He stressed using smart debt, avoiding over-leverage (generally keeping loan-to-value around 65%), and maintaining ample reserves.
The discussion highlighted why medical office real estate is recession- and pandemic-resilient, with high tenant renewal rates and stable cash flow.
Reinberg explained how inflation, tariffs, and rising costs affect tenants and property operations across different real estate sectors.
The episode explored how real estate acts as an inflation hedge through rent growth, escalators, and long-term asset appreciation.
They discussed the current commercial real estate downturn, driven by higher rates, falling values, and large amounts of debt coming due.
Reinberg argued that the next few years may present some of the best commercial real estate buying opportunities in decades.
He warned investors to be cautious, underwrite deals conservatively, and focus on tenant quality and market fundamentals.
We have an optimistic outlook for 2026–2028, expecting lower rates, increased liquidity, more transactions, and improving economic stability.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors

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Silver crashed! Today we focus on a historic bout of volatility in precious metals following months of extreme, unhealthy gains. We figure out if the selloff was driven by the announcement of a new Fed chair or severe technical overextension, crowded positioning that triggered profit-taking, shorting, and forced de-risking. We also talked the implications of a potentially growth-leaning but inflation-conscious Fed, ongoing structural risks like debt, deficits, and sticky inflation, and why monetary policy alone can't solve them. We reviewed the January market performance, and noticed strength in energy, materials, commodities, and international equities versus lagging tech and software. Markets are rotating regimes, not ending trends, and investors should focus on risk management, diversification, and long-term planning rather than reacting emotionally to short-term chaos.

We discuss...

We unpacked a historic spike in precious-metals volatility, with silver experiencing extreme, record-level swings after months of unsustainably rapid gains.
The Fed chair news was described as a "match, not the bonfire," triggering a correction that was already statistically inevitable at extreme standard deviations.
Volatility selling, options hedging, and large institutional short positioning likely amplified the downside move in silver.
The gold-silver ratio had reached stretched levels, making a snapback or rebalancing between gold and silver unavoidable.
Despite the violent correction, the broader precious-metals bull trend was viewed as intact rather than broken.
Gold was described as healthier than silver due to steady institutional and central-bank buying.
We covered how computers, systematic strategies, and risk managers now dominate market mechanics at volatility extremes.
Rate cuts may come sooner than expected, but structural issues like debt, deficits, and sticky inflation remain unresolved.
Markets so far reacted modestly outside of commodities, suggesting rotation rather than systemic stress.
Energy and commodities were highlighted as key areas to watch in an inflation-sensitive environment.
International equities significantly outperformed U.S. markets, reinforcing the case for global diversification.
A small bank failure highlighted lingering credit and balance-sheet risks despite limited systemic impact.
Midterm election seasonality was discussed as a potential source of higher volatility and uneven returns.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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Jean-Baptiste Wautier is here to talk growing global debt and the impact on the economy. He draws on decades of private-equity and macro experience to discuss accelerating global change, arguing that rising debt, AI, and political polarization are reshaping the economic and geopolitical order.

We discuss Europe's recent market strength, China as an unavoidable, though risky, investment given its scale and AI ambitions, and gold and crypto as hedges rather than true currency alternatives. He also warms that global debt dynamics will force restructuring in places like Japan and parts of Europe, and concludes that AI is likely transformative but slower and more socially disruptive than markets assume, ultimately requiring a rethink of productivity, employment, and even how economic progress is measured.

We discuss...

Jean-Baptiste Wautier argued that today's environment reflects an acceleration of long-term forces—debt accumulation, AI as a fourth industrial revolution, and rising political polarization—rather than a completely unprecedented moment.
He suggested populism can be reversed without extreme disruption if governments deliver tangible economic fixes, citing Italy as an example of pragmatic reform restoring democratic confidence.
Wautier emphasized that middle-class affordability, youth opportunity, and fiscal credibility are the core issues driving political instability in Western democracies.
He criticized the lack of democratic oversight of central banks, arguing monetary policy has become too consequential to remain entirely insulated from public accountability.
He believes there is no painless solution to global debt problems, with Europe facing unavoidable austerity while the U.S. may temporarily "get away with it" due to dollar dominance and capital inflows.
Europe's recent market outperformance was described as a short-term valuation and diversification blip rather than a reflection of improving fundamentals.
Wautier argued the dollar has no credible fiat challenger, reinforcing its dominance despite past U.S. policy mistakes.
Gold and cryptocurrencies were discussed primarily as hedges against dollar risk rather than true replacements for the global reserve system.
Bitcoin was criticized as too volatile to function as a reserve or transactional currency, regardless of its popularity as a speculative store of value.
Stablecoins were viewed as a strategic U.S. response to crypto, potentially extending dollar dominance into digital finance.
Demographic decline across developed economies was identified as a structural constraint that traditional growth models cannot easily resolve.
Wautier argued AI adoption is moving faster than societies can adapt, limiting near-term productivity gains while increasing long-term disruption.
AI's ultimate impact will be profound but slow, likely forcing a reassessment of GDP and other traditional measures of economic progress.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/growing-global-debt-jean-baptiste-wautier-786

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The global economy is shifting into a "run-it-hot" inflationary growth phase driven by political incentives, energy demand, and the need to manage unsustainable debt and here is how to profit on it. The U.S. is deliberately favoring high growth and persistent inflation to inflate away debt and support asset prices ahead of midterms, even as official data and climate narratives are treated with skepticism. Today we talk about how governments historically deal with excess debt, why inflation plus growth is the most politically viable path, and how this environment favors commodities, real assets, and cyclicals over overvalued big tech. Markets are rotating, not simply "risk-on/risk-off," so you should be wary against blindly sticking with what worked in the past. Stay flexible as policy volatility, geopolitical shifts, and changing economic forces reshape the investment landscape.

We discuss...

Energy policy is rapidly shifting in favor of expansion as tech-driven demand makes energy security a political priority, sidelining prior climate and regulatory concerns.
The "run-it-hot economy" framework argues the U.S. is intentionally pursuing high growth alongside persistent inflation to manage excessive sovereign debt and support asset prices.
With midterms approaching, political incentives favor policies that keep markets strong, reduce visible costs like energy and housing, and maintain public confidence rather than fiscal austerity.
Inflation and growth together are framed as the most realistic way for governments to inflate away debt without triggering default or severe political backlash.
Historical economic regimes are outlined to show how different inflation and growth combinations favor different asset classes.
The current environment resembles an inflationary boom, which historically benefits commodities, real assets, and stores of value.
Big tech and innovation-led assets are seen as potential underperformers in an inflationary, rotational market after years of dominance.
Market leadership is narrowing and rotating, with small caps, mid caps, and non-U.S. markets showing stronger early-year performance.
The S&P 500's heavy concentration in a small number of tech stocks increases risk as leadership weakens.
Investors are cautioned against blindly rebalancing or clinging to past winners without reassessing changing tailwinds and headwinds.
Fraud reduction and spending audits may improve trust and optics but are unlikely to materially fix long-term debt problems.
Energy's small weight in major indexes is highlighted as a potential mispricing given its economic importance.
Seasonal market patterns suggest near-term volatility is likely even within a broader bullish rotation.
Investors must adapt portfolios to evolving macro regimes rather than assume past strategies will continue to work.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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Shellee Howard is on the show today to talk how to do college without crushign debt for your kids. She shares how her journey as a "mom on a mission" led her to help families navigate the college process strategically, emphasizing early preparation, self-discovery, and return on investment rather than prestige alone. She explains why overcrowded school counselors fall short, how students should clarify their values, talents, and career goals before choosing colleges, and why college should be viewed as a business decision and a stepping stone to adulthood, and not a status symbol. With the right planning, families can avoid debt, maximize scholarships, and choose schools that truly align with a student's future goals.

We discuss...

Shellee Howard explained how her experience guiding her own children to graduate college debt-free inspired her career as an independent college consultant.
She described why high school guidance counselors are often unable to provide comprehensive college planning due to overcrowding and competing responsibilities.
The discussion emphasized starting college preparation early by helping students identify their core values, strengths, and long-term interests rather than focusing only on grades or test scores.
Shellee stressed that college readiness is about preparing for adulthood, not chasing prestige or comparing against other families.
We explore how poor financial literacy leads many students to take on unnecessary debt without understanding return on investment.
Shellee argued that college is a business decision and should be evaluated like an investment, with scholarships, fit, and outcomes prioritized over name recognition alone.
Many students are not ready at 18 to make high-stakes decisions and why exploration through service, internships, and extracurriculars matters.
The value of college branding versus actual educational and career outcomes are debated, with examples showing that different paths work for different students.
Shellee outlined key timing considerations, including the critical importance of middle school and early high school years for maximizing opportunity and financial aid.
Parents were encouraged to stay actively involved in guiding their children rather than leaving major financial and life decisions to teenagers.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/college-without-crushing-debt-shellee-howard-784

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We're in the middle of a run it hot economy. Today our discussion ranged from geopolitics into markets, including precious metals. Silver's recent surge is best understood as a reversion toward historical gold–silver ratios rather than a knowable fundamental catalyst. Silver's parabolic move looks unstable compared to gold's healthier, slower uptrend. But no one can truly know why prices move, so investors should be clear about why they own precious metals since that purpose should drive allocation size and risk tolerance. We also talk macro conditions, the U.S. may be pursuing an "inflationary boom" or "run it hot" strategy to offset high debt and valuations, which would favor real assets like commodities, gold, and real estate over long-duration bonds. It's important to manage fear, avoid extreme predictions, stay diversified, and pay close attention to structure, incentives, taxes, and shifting global leadership rather than relying on narratives or past performance.

We discuss...

Precious metals are a key focus, with gold behaving in a steady, healthy bull market while silver experienced a sharp and unstable surge.
The gold-to-silver ratio was discussed as historically stretched and now reverting toward long-term norms, helping explain silver's outperformance.
Silver was highlighted as both a monetary metal and a critical industrial commodity listed by the U.S. government as strategically important.
The parabolic nature of silver's recent price action is risky and vulnerable to sharp pullbacks or policy interventions like margin hikes.
Investors should define why they own precious metals—portfolio balance, trend participation, or protection against monetary risk.
Fear-driven investing and "end of the world" thinking are harmful to rational portfolio decisions.
The idea of an "inflationary boom" or "run-it-hot" economic strategy was presented as the likely policy path forward.
Big tech is increasingly fragile and potentially misaligned with an inflationary-growth regime.
International markets were noted as having recently outperformed U.S. equities despite America-first political narratives.
Valuations in U.S. equities were described as high and structurally fragile, even as the bull market remains intact.
Technicals and momentum are dominating fundamentals in the current market cycle.
Tax considerations are an often-overlooked but critical factor in portfolio construction and asset selection.
Bitcoin's unique tax treatment and classification as property offer planning advantages versus securities.
Be wary about complacency, overconcentration, and narrative-driven investing in a late-cycle market.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/run-it-hot-economy-783

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Jon Ostenson is here today to share secret franchising profits for investors in 2026! Jon tells about his journey from corporate consulting into franchising and explains why non-food franchises can be a compelling, tax-advantaged path to business ownership, offering proven models, franchisor support, and built-in peer networks that often outperform startups or buying existing businesses. He compares franchising with starting or acquiring businesses, highlighted the appeal of "non-sexy" but durable industries resistant to trends and disruption. Jon also talks semi-passive ownership models, scaling through multi-territory ownership or acquisitions, and more that make franchising an attractive option for professionals seeking diversification, cash flow, and long-term growth.

We discuss...

Jon Ostenson describes his transition from corporate roles at into franchising, ultimately building a consulting business that helps investors identify and enter non-food franchise opportunities nationwide.
Franchising is a tax-advantaged alternative investment that can complement traditional assets like stocks and real estate within a diversified portfolio.
Jon argued that boring, essential service businesses often outperform because they are less vulnerable to consumer fads, Amazon disruption, or near-term AI displacement.
The concept of semi-passive or executive-model franchising was explained, where owners hire managers to run day-to-day operations while remaining hands-off with proper oversight.
Success in semi-passive ownership was tied to having both a strong operator in place and a capable franchisor providing ongoing support and systems.
Area developer and master franchise models were discussed as less common today, with most growth occurring through multi-unit franchise ownership.
Jon identified people skills, sales experience, and humility to follow the system as the most consistent traits among top-performing franchisees.
Franchise peer networks are a built-in mastermind that accelerates learning, best practices, and operational improvements across markets.
Franchising is not passive income, but it can be made semi-absentee with the right structure and expectations.
Franchising is a practical, scalable path to entrepreneurship for professionals seeking cash flow, control, and long-term wealth outside traditional investments.

Today's Panelists:

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

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Today we have your 2026 predictions. We also cover the volatile 2025 year-end and share the extreme moves in precious metals and global geopolitical shocks as a case study for how investors should think: not politically or emotionally, but by watching price action and sector reactions. Low holiday liquidity amplified market swings, but that real signals came from how energy, materials, small caps, and international markets responded. We also think that despite macro unease, debt overhangs, and geopolitical reshuffling, the data still point to a broadly bullish environment, with diversification, attention to relative performance, and humility toward market signals being far more important than predictions.

We discuss...

Precious metals led early-year performance, with platinum, silver, and gold behaving very differently despite being in the same sector.
Investors should respond to global events by asking how markets interpret them, not by reacting to political narratives.
The U.S. seizure of Venezuela's president is a geopolitical shock with significant implications for energy markets and global power dynamics.
Oil service and infrastructure companies briefly surged as markets discounted future Venezuelan production, though sustainability remains uncertain.
China is a key indirect loser due to rising effective energy costs and margin pressure in its low-margin industrial economy.
Geopolitical moves are increasingly overt, signaling a reshuffling of the global financial and political order.
Have caution because investor intuition is often wrong, and there are historical examples where markets moved opposite of popular expectations.
Price action was repeatedly emphasized as the best indicator of what informed capital is actually doing.
Early 2026 performance showed leadership from small caps, microcaps, and value stocks rather than mega-cap technology.
Materials, industrials, and energy outperformed in the first week, while tech, utilities, and communications lagged.
The "Magnificent 7" were noted as early underperformers, challenging the assumption that they always lead markets.
Defense stocks strengthened following signals of increased U.S. military spending.
Healthcare and other previously beaten-down sectors were flagged as areas worth watching.
Be caution against passive overreliance on the S&P 500 due to concentration risk and historical periods of long underperformance.
While risks are elevated, market signals remain broadly bullish and investors should stay adaptive rather than predictive.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/https://moneytreepodcast.com/2026-predictions-781

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Arrash Yasavoli discusses how you should jump on investing in bitoin in 2026! Arrash's path from data engineering at LinkedIn into quantitative trading, crypto, and building Glitch, a SaaS platform that gives broader access to advanced trading strategies gives a unique perspective into possible 2026 investing plans. We also talk Bitcoin's role as a potential store of value, the divergence between Bitcoin and altcoins, the growing importance of real utility and valuation in crypto projects, the rise of ETFs and stablecoins as bridges to mainstream adoption, and more.

We discuss...

Crypto's transition from a speculative and "scammy" perception toward broader legitimacy through regulation, ETFs, and institutional adoption.
Bitcoin is increasingly viewed as a store of value similar to gold rather than a scalable transactional currency.
Bitcoin's fixed supply and resilience through multiple market cycles were highlighted as key drivers of long-term investor confidence.
Bitcoin's historical growth rates are unlikely to persist, with future returns likely slowing and volatility remaining high.
The growing divergence between Bitcoin performance and stagnant altcoins was identified as a sign of increasing market maturity.
Many altcoins from earlier cycles failed due to hype-driven models that never delivered real value.
The current crypto cycle was compared to the post–dot-com bust era, where focus shifts from excitement to sustainable business models.
Regulatory clarity, including frameworks for crypto and stablecoins, was viewed as a major catalyst for continued adoption.
Whether investors should trade or hold crypto, with emphasis on patience and fundamentals over speculation.
Future crypto valuation models were described as moving toward revenue, profitability, and clear value propositions.
Arrash outlined his work on BitTensor, a blockchain designed to create and trade real digital commodities.
Crypto's long-term value lies in practical applications that quietly use blockchain under the hood rather than hype-driven narratives.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/investing-in-bitcoin-in-2026-arrash-yasavolian-780

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There are a lot of year end surprises in store with the 2025 wrap up. The year has come to an end and we are here to discuss everything from year-end reflections and personal anecdotes to a broad market outlook. We focused on the recent surge and volatility in precious metals, especially silver, explaining how futures-market leverage and exchange rule changes (like margin requirement hikes) are used to cool speculative excess, why parabolic price moves are unhealthy, and why investors should be cautious in the near term even if long-term fundamentals remain bullish. We also talked government fraud, rising debt costs, aging demographics, deglobalization, and higher-for-longer rates, arguing that bad asset allocation now carries real risk and diversification with assets like precious metals still matter.

We discuss...

We challenge simplistic economic cause-and-effect narratives, arguing that inflation, tariffs, and monetary policy outcomes are highly contextual and often misrepresented by official government data.
Past periods of QE and low inflation were cited to illustrate how money printing can offset deflation rather than automatically cause inflation, reinforcing skepticism toward consensus forecasts.
Large-scale government fraud is pervasive, rarely punished, and structurally embedded, with the prediction that no high-level figures will face consequences in ongoing public scandals.
Precious metals, particularly silver, were a major focus due to extreme recent price volatility, including sharp multi-day gains and losses while most investors were disengaged over the holidays.
The mechanics of futures markets were explained in detail, emphasizing how leverage works, why margin requirements matter, and how exchanges can legally change rules to stabilize markets.
Recent increases in margin requirements for silver, gold, platinum, and palladium were highlighted as a deliberate attempt by exchanges to flush out speculative leverage and cool "animal spirits."
Governments and exchanges can escalate interventions dramatically if needed, including forcing cash settlement or changing delivery rules, which would materially alter market dynamics.
Banks' growing discomfort with holding U.S. Treasuries and their shift toward gold are a quiet but significant signal about long-term confidence in fiat systems.
The contrast between gold (central-bank owned) and silver (primarily investor and industrial owned) explains differing market behaviors and intervention risks.
The hosts argued that the era of "cheap mistakes" is over, meaning poor allocation decisions now result in permanent capital loss, not just missed opportunity.
AI enthusiasm should be thought of skeptically as large language models are becoming commoditized quickly, lack durable moats, and resemble past tech bubbles.
Be cautious, diversify, be skeptical of narratives, have respect for market structure, and prepare for a year where volatility exposes complacency.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/2025-wrap-up

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Elliot Holland joins us to explore the realities of building and sustaining a high-quality, trust-driven professional business in an era dominated by AI hype, declining marketing efficiency, and algorithmic noise. We discuss skepticism around AI's real-world impact especially in high-stakes financial decisions. We also talk marketing and content strategy, why sensationalism and clickbait may win algorithms but will always repel discerning clients. We also unpack our frustrations with modern marketing platforms like Google, Facebook, and HubSpot as they grow increasingly expensive and benefit from opacity while delivering lower-quality data. The most important thing is authentic conversations, patience, and thoughtful content aimed at a small, qualified audience that can outperform viral reach.

We discuss...

Sustaining a professional services business increasingly depends on trust, judgment, and human relationships rather than scale, speed, or technological hype.
There's septicism that AI will meaningfully disrupt high-stakes, people-to-people work, arguing it is largely rebranded machine learning with limited real-world adoption so far.
Discerning clients value nuance, experience, and improvisational thinking that cannot be captured in static data sets or automated workflows.
AI is a productivity aid for summaries and surface-level tasks, but not a substitute for deep expertise, critical thinking, or accountability.
YouTube and podcasts are trust-building tools rather than growth hacks, with success measured by client conversion quality instead of view counts.
Algorithms reward "nonsense about nonsense," making platforms misaligned with professionals selling high-trust, high-ticket services.
Marketing metrics such as views, impressions, and engagement were described as misleading compared to tracking clicks, conversations, and actual revenue outcomes.
Google, Facebook, and HubSpot are operating as "confuse-opolies," benefiting from complexity, opacity, and user lock-in rather than clear results.
The rising difficulty of marketing has forced business owners to either deeply understand marketing themselves or risk wasting capital on underqualified vendors.
Elliott explained restructuring his marketing around specialized vendors, strict performance accountability, and personal ownership of customer persona definition.
Long-form, unscripted conversations often deliver more value than polished, optimized content designed for algorithms.
Future marketing success will favor authenticity, clarity, and long-term relationship-building over funnels, gimmicks, and viral reach.

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Today we're sharing the tax loss selling secrets you need to know before 2026! We also talk understanding personal strengths and psychological limits in investing. It's good to avoid shiny-object strategies like day trading and prioritize risk management through diversification. We explore how market structure, valuations, and historical data suggest future returns may be lower and more volatile, making stress-testing portfolios and aligning risk with temperament essential. Remember long-term success comes from discipline, education, adaptability, and thoughtful strategy rather than chasing returns in overheated markets.

We discuss...

Successful goal-setting focuses on small, repeatable actions over time rather than unrealistic short-term outcomes.
Investors must design strategies that align with their psychological makeup, risk tolerance, and time availability rather than copying what appears profitable for others.
Stop-loss orders can be dangerous in volatile or less-liquid markets due to slippage and market maker behavior, often leading to worse-than-expected exits.
Markets can remain expensive longer than expected, making flexibility and balanced positioning more important than precise market timing.
Concentration in high-performing assets like AI stocks or precious metals can lead to severe losses if momentum reverses sharply.
Historical examples showed that long periods of weak or flat equity returns are normal following valuation extremes.
Diversification across asset classes, regions, and styles was highlighted as essential for retirement sustainability and long-term wealth preservation.
Static portfolios such as traditional 60/40 allocations were questioned, with an emphasis on active monitoring and adjustment as conditions change.
Precious metals typically move in sequence, with gold leading, followed by silver and then platinum, often ending in unsustainable parabolic moves.
Misuse of statistics, such as confusing average with median net worth, can distort perceptions of wealth and financial reality.
Investment performance should be evaluated using geometric averages rather than arithmetic means to reflect true compounded returns.
Emotional states like greed and fear often peak near market extremes and should signal the need for reevaluation rather than increased risk-taking.
Political, macroeconomic, and election-cycle dynamics can temporarily suppress or amplify commodity prices, particularly in energy markets.
Long-term success in investing depends less on prediction and more on preparation, adaptability, and disciplined execution of a well-structured plan.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/tax-loss-selling-secrets-777

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Sallyann Della Casa, CEO Dubai-based "community as a service" GLEAC, joins us to share her personal journey and how collaborative leadership will thrive in our AI-drive future. She explains how access to networks, proximity to experience, and "quiet capital" are often more powerful than credentials alone in shaping opportunity, leadership, and career outcomes. We explore inequality driven by access rather than ability, leadership and gender mental models, and examines why modern society struggles to produce widely respected leaders. We also education and AI, arguing that traditional schooling is outdated, overly focused on memorization, and ill-suited for a world where AI can outperform humans on hard skills, while human skill can thrive in areas AI can't. AI will reshape leadership, investing, and management and future leaders will succeed by combining learning agility, deep expertise, strong networks, and the ability to co-lead alongside AI.

We discuss...

Sally Ann Della Casa shares her personal story to illustrate how proximity, networks, and early access often determine life outcomes more than raw talent.
The concept of "quiet capital" is a mix of social trust, reputation, networks, and deep domain knowledge that drives real-world success.
The discussion examined inequality as a function of access and networks rather than intelligence or effort.
Leadership was debated through the lens of mental models, including gender expectations, risk tolerance, and the loneliness of decision-making.
Modern society struggles to identify and develop respected leaders across business, politics, and culture.
Education systems are outdated, overly focused on memorization, and misaligned with how people actually learn and collaborate.
AI was framed as a forcing function that will finally push education to prioritize human skills like judgment, creativity, curiosity, and critical thinking.
The risks and benefits of AI are discussed, emphasizing that AI reflects human biases and represents the "gray average," not top-tier insight.
The importance of context, storytelling, and lived experience are highlighted as something AI cannot replace.
Leadership in the future is more agile, less hierarchical, and increasingly collaborative with AI tools and agents.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/collaborative-leadership-in-an-ai-driven-world

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Should you be buying this precious metal this Christmas? Find out what it is today as we reflect on how instant gratification, social media, and shifting consumer behavior mirror broader economic changes. We also talk practical year-end investing discipline, including portfolio "hygiene," investor psychology alignment, rule-based decision making, and tax-loss harvesting strategies. We explore assesing holdings as if investing fresh today, managing oversized winners and stagnant losers, watching natural market turning points around year-end, while also exploring inflation trends, shrinkflation, housing affordability, and generational cost pressures. We also urge listeners to use the final weeks of the year to review risks, taxes, family financial clarity, and opportunities ahead. Thoughtful preparation, not momentum or emotion, drives long-term investment success.

We discuss...

The importance of year-end portfolio assessment, emphasizing reviewing holdings as if investing fresh today to determine alignment with investor psychology.
Manage oversized winners, stagnant losers, and follow disciplined, rule-based investment practices rather than ego-driven decisions.
Tax-loss harvesting is a key strategy, including the special advantage that crypto is treated as property and not subject to the 30-day wash-sale rule.
Monitoring natural market turning points, particularly around year-end, to identify potential buying opportunities in beaten-down assets.
Gold's leadership in the rally, silver's sharp recent gains, and the implications of JP Morgan shifting from short to long silver positions.
Basel III banking regulations and the possibility of global banks increasing gold holdings if U.S. deficits rise above projected thresholds.
Strategies for buying gold and silver, emphasizing buying for weight to minimize premiums and potentially profiting from historical spreads in coin pricing.
Have caution with rare coin premiums, only experienced investors should consider numismatic factors, otherwise stick to weight-based purchases.
Inflation indicators, using Campbell's Soup can pricing as a proxy for quality-adjusted inflation over decades.
Shrinkflation and the rising cost of essentials for younger generations, noting housing, insurance, and other expenses have outpaced wages.
Recent trends in housing, including declining new home prices but smaller home sizes, illustrating hidden inflation and cost pressures.

Today's Panelists:

Kirk Chisholm | Innovative Wealth

Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/santa-clause-rally-ahead-775

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Economist George Economou joins us today to share why stocks and gold are soaring in the modern global market. He talks about his global outlook on markets amid rising economic and geopolitical uncertainty, AI-driven growth narratives, stock buybacks, and deep investor anxiety fueled by a multipolar world. We also chat on trade tensions, and escalating conflicts across the globe. He explained how falling interest rates continue to prop up U.S. and European stocks despite stretched valuations, why gold is surging as central banks and investors hedge geopolitical risk, and why tariffs are unlikely to succeed economically over the long run.

We discuss...

George Economou outlined his background as a Greece-based macroeconomist, financial consultant, academic, and economics educator.
Rising tariffs, shifting trade policies, and the growing independence of BRICS nations are major sources of macro instability.
Europe is particularly vulnerable, with echoes of pre-2008 risks despite strong headline equity performance.
U.S. equity markets are being driven by AI-led profit growth, excess liquidity, and falling interest rates rather than pure fundamentals.
European equity strength is largely attributed to corporate stock buybacks rather than underlying economic health.
Falling interest rates globally were highlighted as a key driver pushing investors away from bonds and into equities.
Gold prices were said to be surging due to geopolitical uncertainty and aggressive central bank accumulation, especially by BRICS nations.
Geopolitical risks involving Russia–Ukraine, the Middle East, and China–Taiwan are central drivers of market anxiety.
Tariffs are a political tool aimed at reshoring U.S. production, but one that economic theory suggests will be inefficient long term.
AI investment is comparable to early smartphone adoption, requiring heavy upfront spending before productivity gains become visible.
CEOs' frustration with AI returns is linked to poor implementation rather than a lack of long-term potential.
Extremely high global equity valuations are attributed to investors avoiding bonds and real estate due to unattractive risk-reward dynamics.
Sustained market valuations is questioned, with the warning that expensive assets eventually decline when buyers step away.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Diana Perkins | Trading With Diana

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The Federal Reserve tipped it's hand for a bull market. Today we discuss the details. We talk economic divergence, as decades of debt-fueled growth and asset inflation have benefited boomers and asset owners while leaving younger generations locked out of housing and upward mobility, creating frustration and political volatility. The U.S. economy is fundamentally leveraged by pulling future earnings forward and this could be an eventual but unpredictable global financial reset.

We also talk the near-term debt panic but don't get nervous as deficits are the true risk. We also talk practical investing takeaways around market cycles, sentiment, tax-loss selling, Santa Claus rally dynamics, and the importance of patience, diversification, and avoiding extreme, fear-driven decisions.

We discuss...

We highlight generational economic disparities, noting younger people struggle with housing affordability and wealth accumulation compared to boomers.
Economic frustration among younger generations is linked to the appeal of populist political figures who speak to lived experiences.
The U.S. economy is heavily leveraged, with future earnings being pulled forward to maintain growth and consumption.
We warn of a potential global financial reset, while emphasizing that timing and specifics are uncertain.
Central banks' accumulation of gold is a signal of perceived systemic risk and preparation for a global reset.
Debt itself can be manageable, but the ongoing growth of deficits is the real problem.
Concerns about foreign countries dumping U.S. bonds were dismissed as largely impractical due to mutual economic harm.
Market reactions to Fed rate cuts are analyzed, showing how assets like stocks, silver, the dollar, and Treasury yields respond differently.
It's important to analyze market cycles and sentiment, rather than relying on GDP or simplistic economic indicators.
Tax-loss selling and end-of-year market dynamics are discussed as opportunities to buy undervalued assets with lower downside risk.
The Santa Claus rally and January market patterns are historically strong indicators for short-term gains.
Focus on sectors or assets that were beaten down, watch early January flows, and avoid extreme, fear-driven moves.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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John Thompson is here today to talk about how the future is reinventing taxes. He discusses his diverse career path from technology and programming into finance, tax services, and nonprofit work, highlighting his long-term involvement with the Financial Health Network and their efforts to improve consumer financial health. He explains how H&R Block has evolved from serving primarily low- and middle-income clients to addressing more complex financial needs, and how automation and technology are changing tax preparation and accounting. Thompson emphasizes the importance of personal finance fundamentals, daily cash-flow systems, and awareness in managing income, debt, and budgeting amid rising costs and structural challenges like housing and healthcare.

We discuss...

John Thompson shares his career journey from technology and programming into finance, tax services, and nonprofit work.
He highlights his 25-year relationship with the Financial Health Network and their mission to improve consumer financial health.
John explains how research on bridging taxes and banking for underbanked populations inspired practical programs at H&R Block.
He describes the evolution of H&R Block from serving primarily low- and middle-income clients to addressing more complex financial needs.
Automation and technology in tax preparation are allowing professionals to focus on higher-value advisory services rather than data entry.
Thompson emphasizes the importance of daily personal finance systems to manage cash flow, spending, saving, and debt.
Challenges like inflation, housing affordability, student loans, and healthcare costs create structural barriers to financial health.
Thompson discusses how banks and financial institutions are experimenting with different models to serve both underbanked and community-focused customers.
He points out that for many simple tax filers, future trends may simplify filing to automated or postcard-level processes.
Thompson stresses the importance of taking timely financial actions at key moments, like tax season, raises, or job changes.
He highlights upcoming policy and product changes, such as the retirement savings match in 2027–2028 and child savings accounts starting in 2025.
Thompson underscores that financial resilience requires both structural solutions and disciplined personal money management.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/reinventing-taxes-john-thompson-772

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This could be your best trade of the year! Join us as we share December secrets for your portfolio. We also talk about the shifting narratives around climate change, deregulation, and rising energy demand driven by AI. We also explore expectations for low energy prices through the election cycle, concerns about an AI-driven bubble, the continued K-shaped economy, and tactical investing insights such as exploiting year-end tax-loss selling, watching beaten-down sectors, monitoring insider buying, and recognizing mutual-fund distribution dips.

We discuss...

Political climate influences environmental narratives, pointing out that media references to "climate crisis" suddenly dropped as energy demand pressures changed.
The explosion of AI data centers has quietly forced policymakers to pivot from anti-energy rhetoric to encouraging more electricity production and deregulation.
How AI companies are now some of the largest new consumers of electricity, making cheap, abundant power a strategic priority for the tech sector.
Energy prices are being politically managed to stay low into the midterm elections to keep inflation optics favorable.
While AI valuations are stretched, there's unlikely to be an immediate bubble burst because capital flows and earnings momentum remain supportive.
How end-of-year tax-loss harvesting creates forced selling in beaten-down stocks, temporarily pushing prices below fair value.
Mutual funds selling to raise cash for capital-gains distributions can generate artificial dips that offer tactical buying windows for informed investors.
Insider-buying activity is a useful signal in December, since executives often buy when their stock is mispriced due to seasonal pressures.
A simple long-term Bitcoin approach: buy when it collapses on fear, hold through chop, and scale out when it becomes euphoric and parabolic.
Concerns about the systemic risk attached to MicroStrategy's leveraged Bitcoin balance sheet and how a sharp BTC drawdown could spark forced selling.
How crypto ETFs, institutional custody, and Wall Street participation may reduce volatility over time but also increase susceptibility to coordinated market moves.
How markets today reward patience, skepticism, and tactical opportunism more than blind buy-and-hold in all sectors.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/best-trade-of-the-year-771

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Larry Kriesmer shares how his career evolved from life insurance to options-driven wealth management, explaining that supervisory limitations at his former firm pushed him to launch his own RIA focused on option-based strategies. He and the host discuss the industry's longstanding discomfort with options, the differences among custodians, and the surge in option-centric ETFs driven by investor demand for income, downside buffers, and more predictable outcomes. Larry explains why he favors synthetic long exposure to the S&P 500, how options can create defined risk in ways traditional 60/40 portfolios cannot, and why repeated market shocks have increased interest in structures that limit drawdowns. He also stresses that while options can be powerful, they require real understanding—especially given the asymmetric risks—and that most investors are best served using simple strategies or working with experienced professionals.

Larry Kriesmer shares his background transitioning from life insurance into wealth management and ultimately founding his own RIA due to options-related supervision limitations at his prior firm.
We highlight how many insurance and brokerage firms restrict options usage because supervisors often lack the necessary licensing or comfort with the risks.
Early-career experiences show how compliance departments often misunderstand options and overburden advisors executing client-driven trades.
Larry explains that custodians also vary widely in their options competency, noting TD Ameritrade's historically advanced approach compared to more conservative platforms like Schwab and Fidelity.
He describes how the growth of option-based ETFs and structured strategies reflects rising demand for income, risk buffers, and outcome-based portfolio design.
Why options are resurging in popularity despite being decades old, tying it to investor frustration with unpredictable markets, multiple major drawdowns, and the need for more controlled outcomes.
Larry outlines his discovery of options through studying indexed annuities, which showed him how options could define downside risk and reshape portfolio construction.
He explains his core strategy of staying synthetically long the S&P 500 at all times, avoiding market timing, and focusing on capturing upside while limiting drawdowns.
The conversation touches on potential expansion of his strategy into other sectors or international markets, though the S&P remains his primary exposure due to its self-healing nature.
Larry critiques modern portfolio theory as outdated and insufficient for managing real downside risk, arguing that a bond-plus-options structure can outperform a traditional 60/40 on a risk-adjusted basis.
You discuss how 2022 exposed the limitations of conventional diversification when both stocks and bonds fell simultaneously.
Larry emphasizes that while options can be powerful tools, investors must deeply understand which side of the contract's risk they are assuming to avoid catastrophic losses.
He concludes that most investors should pursue education but ultimately rely on professionals or ETF structures if they want to safely incorporate options into their portfolios.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/strategies-for-modern-investors-lawrence-kriesmer-770

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There are financial opportunities in Latin America, silver and more and today we are going to share them with you! We also talk holiday shopping trends and the struggles of retailers in our current economy. We also dive into "confuse-opoly" industries like furniture, mattresses, and healthcare where pricing is intentionally opaque, share personal experiences with overpriced goods, and discuss how margins, supply, and consumer behavior shape retail dynamics. Today we discuss...

Buying a new house and becoming newly attentive to pricing, noting how Black Friday sales have expanded so much that they no longer feel special.
How holiday traditions and retail behavior have shifted, with Christmas decorations and sales appearing earlier each year.
How perpetual discounts dilute the meaning of sales and reflect retailers' struggles in a weakening, K-shaped economy.
Constant "sale" pricing makes it impossible for consumers to know real value, especially in industries like furniture.
We share anecdotes about mattress shopping and how identical products are given different names across stores to prevent direct price comparisons.
Market charts prompt discussion on growth vs. value investing, highlighting value's long-term underperformance and its historical cyclicality.
We compare current market dynamics to the late 1990s tech bubble, noting similarities in speculation and skepticism toward value investing.
Latin America's unusually low valuations and strong relative performance this year are examined as a potential opportunity.
Emerging markets often struggle with consistency due to currency issues, political instability, and uneven economic development.
We emphasize the importance of evaluating assets in relative terms—stocks vs. dollars, gold vs. currencies, and region vs. region.
How relative performance charts reveal where capital is flowing, using gold, silver, and mining stocks as examples of cycle progression.
Copper miners' potential breakout is highlighted as a key signal for commodity sector strength.
Markets ultimately reflect where limited investor capital is being allocated at any given moment.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/opportunities-in-latin-769

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A bull market in cash is coming! Gary Zimmerman, founder and CEO of Max, explains how he discovered major inefficiencies in the cash-deposit market and built a platform that helps clients earn higher yields while staying fully FDIC-insured. We explore how broker-dealer incentives shaped the "always be invested" mindset, why RIAs take a more fiduciary approach to cash, and how most advisors dramatically underestimate how much cash clients actually hold in outside bank accounts.

We also dive into the strategic role of cash in portfolios, the psychology and behavioral finance behind loss aversion, and why many investors keep cash in low-yield big banks despite far better options.

We discuss...

Gary Zimmerman shares his path from aspiring biochemist to investment banker and ultimately founder of Max.
Gary describes how Max helps advisors and clients earn higher yields on cash while staying fully FDIC-insured.
The conversation highlights the structural differences between broker-dealers and fiduciary RIAs in how they treat cash.
Cash is both the "worst" asset class (low returns) and the "best" (strategic flexibility and optionality).
Gary emphasizes that many advisors are unaware of large "held-away" cash balances clients keep at big banks.
Research shows high-net-worth households keep roughly 25% of their liquid assets in cash—far above portfolio models.
Behavioral finance plays a major role as clients publicly want risk but privately hoard cash for emotional comfort.
Cash helps investors sleep better, reduce loss-aversion anxiety, and feel less trapped in work or life decisions.
Gary explains that deposit pricing inefficiency exists because large banks don't need or want more deposits.
The system also keeps client deposits below insurance limits by spreading funds across multiple banks.
They explore how most households either have no emergency reserve or keep excessive idle cash earning too little.
Cash reserve needs vary dramatically by life stage, career stability, and complexity of financial obligations.
Senior professionals may need years of cash cushion because job searches take longer at higher levels.
Behavioral mistakes in downturns often stem from being over-invested relative to one's psychological risk capacity.
Gary argues that post-pandemic money-supply expansion suggests more inflation is still embedded in the system.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Diana Perkins | Trading With Diana

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For more information, visit the show notes at https://moneytreepodcast.com/bull-market-in-cash-gary-zimmerman-768

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The economy is breaking, and today we discuss the signs. We explore the challenges of navigating today's markets, highlighting the volatility and skepticism around AI-driven companies, overinflated stock valuations, and earnings season dynamics where "beating expectations" often masks underlying realities. It's important to be cautious investors over high P/E ratios, unsustainable growth, and market timing. You need to focus on risk management over speculation. Critical thinking is also imperative while evaluating data and it's important to question assumptions and focus on market behavior rather than blindly trusting reported numbers.

We discuss...

Volatility in November and the flat performance in October, with a mixed outlook for the remaining six weeks of the year.
Historical trends in presidential cycles, noting that the second year is statistically the worst for stock market performance, while years one, three, and four tend to perform better.
The impact of earnings season on markets and how companies often beat expectations by managing guidance strategically, which can mislead retail investors.
The market's reaction to AI-related companies, the skepticism around reported growth, revenue, and inter-company financing "shenanigans."
Historical parallels to the late 1990s internet bubble, where vendor financing inflated revenues before companies ultimately collapsed.
The difficulty of individual stock investing, noting that growth rates slow as companies mature and valuations often contract over time.
The risk of focusing on long-term predictions without timing, being "right too early" can result in significant opportunity costs and losses.
Michael Burry's recent hedge fund moves, his short positions on AI-related stocks like Nvidia and the implications for investors skeptical of inflated earnings.
Timing is critical in investing, caution with high-growth sectors and risk management rather than speculative bets are needs.
Investors should not blindly trust government or corporate data, but instead focus on market behavior and price trends to assess reality.
There's importance in distinguishing between what is factually true and what the market believes.
Apply critical thinking, question assumptions, and focus on present market realities rather than speculative long-term projections.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/the-economy-is-breaking

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John Bartleman, the CEO of TradeStation, is here today to talk about how AI will transform the future of trading. John shares his background and the evolution of TradeStation from early backtesting software to a full-service broker, while explaining how its roots in systematic trading differentiated it from competitors. He outlines major industry shifts, along with the benefits and challenges of dark pools and institutional order flow. We also dive into how AI is transforming trading, as John describes his own use of MCP-enabled AI agents for research, portfolio analysis, trade structuring, and more. AI may radically reshape fintech analytics and asset management, enabling traders to work more efficiently and pushing the industry toward fewer traditional money managers and more AI-driven decision systems.

We discuss...

Record money market fund levels are being widely misinterpreted, as the balances often represent defensive positioning rather than pent-up buying power.
Many investors mistakenly assume large cash balances automatically signal a coming equity influx, ignoring the behavioral reasons people hold cash.
The tariff headline created rapid swings in futures markets, revealing how sensitive positioning is ahead of the election.
A sharp crypto drawdown triggered widespread stop-loss cascades across major tokens, amplifying downside pressure in a classic liquidity vacuum.
Seasonal trends typically provide a tailwind this time of year, but macro uncertainty is preventing markets from fully leaning into the pattern.
Investors are observing a notable rotation away from mega-cap tech and toward value-oriented and small-cap sectors.
The dispersion between the top seven tech stocks and the rest of the index remains near historic extremes.
Elevated cash levels and volatility suggest institutional investors are selectively adding risk rather than buying broadly.
Market breadth is improving modestly, but not enough yet to signal a durable trend reversal.
Short-term traders are capitalizing on intraday volatility spikes driven by headlines and algos.
Longer-term investors remain focused on earnings resilience and margin stability across sectors.
Companies with global exposure are expressing concern about potential policy shifts after the election.
Energy and industrials are gaining attention as potential beneficiaries of a reflationary environment.
Tech remains bifurcated between AI-driven leaders and more traditional software names experiencing deceleration.
Crypto markets continue to influence risk appetite, even among investors who do not directly hold digital assets.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Diana Perkins | Trading With Diana

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For more information, visit the show notes at https://moneytreepodcast.com/the-future-of-trading-john-bartleman-766

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The stock market is broken! Today we talk about a broad range of economic, market, and behavioral topics, beginning with the cognitive bias of sunk costs and how it affects personal decisions, investing, and business choices, emphasizing the importance of recognizing losses and cutting them early. We also explore recent market signals, including distress in the credit and auto-loan markets, and the K-shaped economy. We also critique media and policy narratives, pointing to propaganda around climate change and the pivot to nuclear energy. It's important to be aware and prudent in your observations in uncertain times. We also remark on the rising cost of living, currency devaluation (the end of the penny), and market performance trends.

We discuss...

Sunk cost bias was illustrated with examples in plumbing repairs, investing in stocks like QQQ, and hiring ineffective marketers in business.
People often continue bad relationships or investments due to the psychological discomfort of admitting mistakes.
Non-decisions are still decisions, and it's important to consciously choose a path rather than defaulting to inaction.
The conversation shifted to propaganda in media and politics, including discussions about global warming and COVID messaging.
Nuclear energy is the only scalable solution for energy needs if climate change is real, and that AI and technology interests influenced the shift in media focus.
We discussed deliberate and coincidental market messaging, citing examples of Fed statements and past financial crises like 2008.
Michael Burry's recent fund positions and put options on Nvidia and Palantir were discussed as a signal for investors to pay attention, though not necessarily to follow blindly.
Extreme caution in investing is recommended, particularly in markets or sectors one does not fully understand, such as the stressed auto-loan market.
Signs of market stress were highlighted, including unusual moves in the SOFR rate and subprime auto-loan distress, though not on the scale of the 2008 mortgage crisis.
The K-shaped economy was explained, where asset holders benefit from price inflation while those without assets see income stagnation and rising expenses.
Rising housing costs and mortgage challenges were linked to declining fertility rates and generational effects on college and workforce participation.
Indicators of market sentiment, including CNN's Fear and Greed Index, were analyzed, with a caution not to follow them blindly as they often lag or mislead.
Observations were made on shifting consumer behaviors, including declining cash usage and businesses refusing pennies as payment.
Future discussion topics were teased, including REIT investment opportunities and year-to-date market performance insights.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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

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Mark Salisbury shares the secrets to spending less on the cost of college! As the founder of TuitionFit, explains how the college pricing and financial aid system is designed to favor schools over families. He describes how emotional marketing, opaque pricing, and complex financial aid forms create confusion and limit families' leverage. he outlines how students and parents can regain control by defining their price range first, using resources like TuitionFit and net price calculators, and strategically managing assets, timing, and financial disclosures. He also covers how income, savings, and family structure affect aid, and more!

We discuss...

Mark Salisbury explains how the college pricing system is intentionally vague, designed to benefit schools rather than families.
This conversation exposes how the financial aid process operates like a hidden marketplace where families unknowingly pay vastly different prices for the same education.
Mark explains the difference between a school's sticker price, discount rate, and net price, emphasizing that the last is what truly matters.
He details how the FAFSA and CSS Profile collect information that can be used by colleges to assess a family's financial "willingness to pay."
Timing and disclosure of assets can dramatically impact how much financial aid a family receives.
Families with business ownership structures may have advantages in how assets and income are reported.
Fnancial aid formulas often penalize savings while rewarding debt.
Salisbury argues that families should start with their budget first, then find schools that fit within that price range—rather than applying and hoping for aid.
Tools like TuitionFit help families compare real financial aid offers and discover the true market price for college.
He advises against oversharing financial information before admission decisions are made to preserve negotiation leverage.
Negotiating college costs is compared to buying a car—where informed consumers who know their target price get better deals.
Transparency and data sharing among families are key to fixing the broken college pricing system.
Mark calls for systemic reform to make higher education pricing fairer, more transparent, and tied to real market value.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Mergent College Advisors
Diana Perkins | Trading With Diana
Jack Wang | Smart College Buyer

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For more information, visit the show notes at https://moneytreepodcast.com/secrets-to-spending-less-on-the-cost-of-college-mark-salisbury-764

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Should the S&P go higher? Today we discuss that and more in this wide-ranging episode. We talk the markets, and warn that investors often cling to bad positions instead of reassessing when wrong, noting that current valuations are stretched and the market appears overextended. There is rising corporate caution during earnings season, weak performance among consumer staples and cyclicals, and the growing dominance of the "Magnificent Seven" tech stocks in driving the S&P 500's gains. AI-related capital expenditures and record margin debt levels suggest heightened risk, so you should remain defensive and patient as market conditions soften despite entering a historically strong seasonal period.

We discuss...

New York City's election of a socialist-leaning mayor and question how it might impact the city's historically capitalist foundation.
Drawing a parallel to investing, we stress the need to reassess assumptions when investments go against you instead of clinging to them.
The current market is overextended, with valuations significantly above historical trends and a concentration in a few large tech stocks.
Consumer cyclicals and staples, normally defensive areas, have underperformed, suggesting caution for risk-averse investors.
The "Magnificent Seven" tech stocks are disproportionately driving the S&P 500's performance, masking weakness in the broader market.
AI-related capital expenditures are rising sharply, but returns on these investments remain minimal, highlighting potential overhype.
Margin debt has reached record levels, indicating elevated risk if market sentiment shifts.
Earnings season shows that even companies beating expectations may see stock declines, signaling that much of the positive news is already priced in.
Weak market breadth—many stocks declining while a few outperform—indicates fragility and higher potential volatility.
While a correction is possible, seasonal trends historically make late November through January a strong period for markets.
Inflation is picking up modestly, while interest rates are being lowered, creating a complex environment for fixed-income investors.
Private credit and real estate markets are showing early signs of stress, particularly as products are increasingly marketed to retail investors.
Investors are advised to watch for opportunities in mispriced assets but remain cautious due to market overvaluation and potential downside risks.
Overall, the discussion emphasizes patience, caution, and careful risk management amid uncertainty in politics, markets, and emerging technologies.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/should-the-sp-500-go-higher-763

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Lily Vittayarukskul shares her remarkable journey from working at NASA in her teens to founding a company that innovates with AI to transform long-term care planning. We explore why long-term care remains one of the most misunderstood and underserved areas in wealth management, despite being one of the biggest retirement risks. We break down how long-term care works, who needs it most, the pros and cons of self-funding versus insurance products, and why many families fail to plan until it's too late.

We discuss...

Lily Vittayarukskul shared her early fascination with aerospace engineering, including work recognized at age 12 and a role at NASA's JPL by 16.
A personal long-term care event in her family at age 16 prompted her pivot from aerospace to healthcare.
She built technical expertise in genetics and AI at Berkeley before founding a company focused on long-term care solutions.
The ideal candidates for long-term care planning are typically 40–60 years old, upper-middle-class individuals with $2–5 million in assets.
Many financial professionals avoid long-term care due to its complexity, morbid nature, and time-consuming conversations.
Traditional long-term care policies and hybrid/lump-sum products each have advantages depending on individual circumstances and predicted care needs.
Self-funding long-term care is an option, but many clients are risk-averse and ultimately prefer a structured insurance plan.
Lily's company uses decades of data to predict long-term care events and costs, helping advisors map policies to individual client needs.
Long-term care planning is as much about protecting family members and legacy as it is about financial strategy.
Conversations about long-term care should start with a professional, involve spouses, and eventually include children or trusted family members.
Many clients struggle with the emotional and logistical burdens of caregiving, which can impact their own health and quality of life.
The topic is often avoided culturally because it forces acknowledgment of aging, mortality, and potential loss of autonomy.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/transform-long-term-care-lily-vittayarukskul-762

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The stock market bubble is going to pop! And we're going to tell you when. In today's episode we discuss that price is the ultimate indicator of market truth. Charts, narratives, and data often distort reality, while price alone reflects what investors truly believe. Don't overcomplicate investing with speculative indicators, fear-based "chart crimes," and emotional herd behavior, especially in areas like AI stocks that echo the dot-com bubble. Fundamentals and narratives often mislead, while disciplined attention to price direction and risk management yields better results.

We discuss...

Price is the purest and most reliable truth in markets, capturing the collective judgment of all participants and filtering out misleading narratives.
Investors often get trapped by "chart crimes," forcing technical patterns or trends that confirm what they want to see rather than what the market is actually showing.
Investors often believe that deeper analysis means better insight, but in truth, simplicity and clarity around price direction outperform complex models.
There are strong parallels between the current AI investment boom and the late-1990s dot-com bubble.
Euphoric narratives around transformative technologies tend to overinflate valuations before reality catches up.
AI enthusiasm is driving herd behavior, where investors fear missing out on perceived "once-in-a-lifetime" gains, leading to speculative excess and distorted valuations.
Most investors misjudge risk, confusing volatility with opportunity, and failing to respect the message that price declines are often early warnings of deeper structural problems.
There are under-appreciated risks building in private markets, especially private credit and private equity, which have grown rapidly outside the scope of traditional regulation.
Private credit lacks transparency, liquidity, and oversight, creating potential systemic vulnerabilities if credit conditions tighten or defaults rise.
In contrast, regulated banks, though unpopular, are more transparent and stress-tested, making them safer in relative terms despite their public scrutiny.
Investors chasing yield in private markets are ignoring the lessons of past crises, mistaking the illusion of stability for real safety.
Liquidity is an often-overlooked advantage, allowing investors to act decisively when market conditions change instead of being trapped in illiquid positions.
Stay grounded in simplicity, price truth, and discipline, avoid the noise of narratives, the allure of complexity, and the comfort of consensus thinking.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/stock-market-bubble-761

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Have you thought about investing into space? Mark Boggett, CEO of Seraphim, shares the investment opportunities in the rapidly expanding space industry. He explains how innovations led by SpaceX dramatically lowered launch costs and increased access to space, catalyzing growth in satellite constellations and data-driven applications for defense, climate, and communications. He emphasizes that near-term investment potential lies in defense and climate-related uses of satellite data, rather than speculative ventures like space travel or asteroid mining. He also highlights the growing importance of sustainability, debris management, and more.

We discuss...

Mark Boggett is a career technology investor who founded Seraphim Space, the world's first space-focused investment fund.
Seraphim Space operates a global accelerator, a private venture fund, and a publicly listed growth fund on the London Stock Exchange.
Boggett shifted focus to space investing after recognizing how technologies like AI, telecommunications, and 3D printing were transforming the sector.
SpaceX revolutionized space access by reducing launch costs from $86,000 to $1,000 per kilogram and dramatically increasing launch frequency.
Smaller, cheaper satellites now enable massive constellations that provide real-time Earth observation and global connectivity.
Investment opportunities in space fall into three categories: upstream (launch and satellites), downstream (data and applications), and in-space (future lunar and interplanetary activities).
The most investable areas today are defense and climate-related satellite data applications rather than speculative space travel or mining.
The falling cost of launch is paving the way for large-scale space infrastructure, including future data centers powered by solar energy.
Space debris is an emerging challenge, driving new industries focused on monitoring, avoiding, and removing defunct satellites.
Regulatory changes now require satellite operators to deorbit defunct satellites within five years, accelerating growth in orbital cleanup services.
Defense is a major driver of demand for satellite technology in intelligence, communications, navigation, and asset protection.
The "in-space" category includes lunar landers, space stations, and eventual habitation or mining ventures, though these remain long-term prospects.
NASA's new funding model relies on private companies like Axiom Space and Voyager to build commercial space stations.
Boggett concludes that while long-term prospects like lunar mining are exciting, the current trillion-dollar opportunity lies in satellites, data, and communication serving Earth-based customers.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/investing-into-space-mark-boggett-760

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There are record levels of money market funds, but it doesn't mean quite what you think. Today we also explore recent market volatility sparked by Trump's brief tariff announcement and a sharp crypto sell-off that triggered stop-loss cascades. We also analyze seasonal trends, the rotation from mega-cap tech into value and small-cap stocks, and why most active managers underperformed the S&P 500 this year. We talk the importance of diversification, understanding risk tolerance, and viewing corrections as part of normal market cycles rather than reasons to panic.

We discuss...

Markets experienced sharp volatility following Trump's brief tariff announcement and a cascading crypto sell-off.
How stop-loss triggers and algorithmic trading can amplify short-term market moves.
Gold and silver pullbacks are healthy corrections within a long-term bullish thesis on precious metals.
Portfolio allocation and risk management are critical to surviving sharp market drawdowns.
Seasonal patterns are examined and late-year volatility can set up strong year-end rallies.
Underperformance of active managers relative to the S&P 500 comes from narrow market leadership.
Don't chase short-term moves, instead focus on long-term positioning.
We explore how investor psychology and herd behavior can magnify both rallies and declines.
The episode touched on how retail investors often get whipsawed when reacting emotionally to news-driven moves.
The conversation compared current market sentiment to prior bubbles in meme stocks and crypto.
Diversification is the best protection against unpredictable volatility events.
How market manipulation and liquidity gaps can distort short-term price signals.
The discussion linked rising geopolitical uncertainty with the growing appeal of hard assets.
We underscore the importance of having a clear thesis and sticking to it through market noise.
Volatility should be viewed as opportunity, not danger, for prepared investors.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/record-levels-of-money-market-funds-759

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CPA Rachel Farris joins us to talk about how you can benefits from Puerto Rico's Act 60 tax incentives by becoming bona fide residents of the island. Rachel explains how the program was created to attract capital and talent to Puerto Rico, the rules around residency and post-move appreciation, and the common pitfalls people face when trying to qualify.

She also discusses lifestyle differences, cost of living, and more, as the Act requires genuine relocation and compliance with IRS rules to be done correctly.

We discuss...

Rachel Farris explains Puerto Rico's Act 60 tax incentives and how they allow U.S. citizens to pay 0% on capital gains, interest, and dividends.
The program offers a 4% corporate tax rate for businesses relocated to Puerto Rico.
Rachel details the legal requirements for becoming a bona fide Puerto Rican resident.
The conversation covers the importance of distinguishing pre-move and post-move capital gains for tax purposes.
Kirk and Rachel discuss common pitfalls people face when trying to qualify for Act 60 benefits.
They explore how Act 60 was designed to attract capital, entrepreneurs, and skilled professionals to Puerto Rico.
Rachel outlines lifestyle differences between the mainland U.S. and Puerto Rico.
The discussion includes the island's cost of living, housing options, and healthcare quality.
Education systems and family considerations for those relocating are reviewed.
Rachel emphasizes the need for real relocation and compliance with IRS residency rules.
They touch on hurricane preparedness and infrastructure realities of island living.
The episode concludes with insights on how to properly structure a business move to maximize Act 60's benefits.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/puerto-ricos-act-60-rachel-farris-758

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Today we dive into earnings season investing secrets. Learn the investing secrets that will grow your wealth as we dive into market analysis highlighting accounting red flags and potential overvaluation risks. Financial engineering often signals late-cycle behavior recessions, though unpopular, are necessary to clear economic "dead wood."

We also examined current earnings trends in the financial sector, technical market patterns like resistance and support levels in small caps and metals, and the importance of balancing fundamental and technical analysis. We also talk investor psychology—how emotion, bias, and sentiment often drive poor timing and decision-making in markets.

We discuss...

The Kolbe test, which measures instinctive strengths and natural problem-solving styles rather than personality or intelligence.
Businesses use Kolbe results to build better teams by pairing complementary working styles.
We also talked current market conditions, drawing comparisons between today's tech boom and the late-1990s dot-com bubble.
How Nvidia's vendor financing arrangements resemble accounting maneuvers from the dot-com era, raising concerns about inflated revenues and future write-down risks.
The hosts noted signs of late-cycle behavior in markets, including excessive optimism, overleveraged valuations, and creative corporate accounting.
Recessions serve an essential economic function by clearing out inefficiencies and "dead wood," creating healthier long-term growth.
A segment focused on earnings season, particularly the uneven performance in the financial sector and what it signals about underlying economic momentum.
We analyzed technical market patterns, such as key resistance and support levels in small-cap indexes and precious metals.
How gold and silver might act as contrarian signals or safe havens amid market uncertainty.
The discussion emphasized the interplay between fundamental and technical analysis, stressing that investors should use both to form a complete market view.
They highlighted the danger of emotional decision-making, noting that fear and greed often lead investors to buy high and sell low.
The episode closed by underscoring the importance of maintaining discipline and objectivity, especially during euphoric or panic-driven market phases.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/earnings-season-investing-secrets

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As a college planning expert, Jack Wang breaks down major changes coming to college financial aid under the new "big, beautiful bill." Jack explains how new borrowing limits for parents and graduate students could upend traditional funding strategies and push more families toward the private loan market. He shares insights on how colleges decide who gets aid—revealing the "moneyball" game of enrollment management—and why being wanted by a school matters more than just being accepted. Jack offers practical advice on how families can spend less on college by targeting schools that align with their financial and academic profiles.

We discuss...

Jack Wang explains how his personal experience navigating college costs during a divorce inspired him to become an expert in college financial aid planning.
He discusses the new "big, beautiful bill," which introduces sweeping changes to college funding and borrowing rules beginning in 2026.
Parent PLUS loans will soon be limited to $20,000 per year and $65,000 total, ending the previous system of virtually unlimited borrowing.
Many families focus on helping their child get accepted into college without understanding how they will actually afford it afterward.
Jack encourages families to prioritize schools that offer the most generous financial aid rather than chasing prestige or name recognition.
He clarifies that financial aid isn't just for low-income families—colleges often give significant aid to higher-income households if the student fits their goals.
Colleges operate like businesses using "enrollment management," a strategy to attract certain types of students who align with institutional priorities.
Jack explains that being wanted by a college often leads to larger scholarships than simply being accepted.
Signs a school may want your student include launching new majors, building new facilities, or heavily recruiting from your region.
Families should be cautious about applying to overcrowded majors like business, which typically receive less financial aid because demand is already high.
Understanding each college's scholarship policies and true costs upfront helps families make smarter, more affordable decisions.
Jack stresses that financial planning should begin as early as freshman year of high school, since aid decisions rely on sophomore-year tax data.
Visiting campuses and showing consistent interest can improve a student's appeal and increase their chances of receiving aid.
He concludes that families will either spend the time planning early or spend far more money later if they fail to prepare.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/college-planning-strategies-756

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Right now, you should invest in anything but the S&P 500... Today we talk about what you should invest in instead. We focus was on market dynamics, particularly the strong performance of precious metals like gold and silver, the technical risks of recent market breakouts, and the caution needed after periods of rapid gains. We examine broader market trends, highlighting the relatively stronger performance of European and emerging market stocks versus the U.S., the importance of diversification, and more.

We discuss...

Precious metals, especially gold and silver, have been performing strongly, but recent market breakouts are showing signs of weakness, signaling caution for over-leveraged investors.
September was a high-gain month, leading many investors to become overextended, with earnings season potentially introducing volatility.
The precise reasons for gold's rise are unclear, though factors like central bank purchases and possible stablecoin-backed demand may contribute.
Gold acts as a fear indicator rather than a production-based asset, with rising prices reflecting concerns over fiat currency and economic uncertainty.
Historical comparisons show current gold-to-oil ratios are anomalous, echoing aspects of the 1970s stagflation period while oil prices remain low.
U.S. stock market gains are outpaced by European and emerging markets this year, emphasizing the importance of global diversification.
Average S&P 500 returns differ from actual realized returns due to volatility and sequence-of-returns risk, affecting long-term retirement planning.
Electricity prices have surged in most U.S. states, highlighting structural energy supply challenges and rising costs for consumers.
AI expansion is creating unprecedented energy demand, potentially driving electricity prices higher and stressing grid capacity.
Nuclear energy development is critical to meet growing energy needs, yet decades of poor policy and infrastructure deficiencies hinder progress.
Media narratives on energy and investment trends can be manipulated, requiring investors to critically evaluate information.
Historical tech and AI boom comparisons suggest caution, as overhyped markets with high valuations may lead to significant losses.
Investors should manage risk carefully, use first-principles thinking, and avoid greed-driven overexposure to emerging trends like AI.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/invest-in-anything-but-755

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JJ Kinahan, CEO of TastyTrade shares some tasty option strategies for 2025. JJ shares his journey from floor trader at the CBOE to CEO of TastyTrade under IG North America. He discusses the evolution of the brokerage industry—from the days of shouting in trading pits to today’s retail-driven, commission-free environment—and how access to education has empowered individual investors. JJ emphasizes the importance of starting small, defining risk, and learning gradually when trading. We also talk why certain option types are miscategorized as “risky,” the influence of retail investors since the meme stock era, and how futures trading offers hedging and round-the-clock opportunities.

We discuss...

JJ Kinahan discusses his journey from being a floor trader on the CBOE to leading roles at ThinkorSwim and TD Ameritrade, and now serving as CEO of TastyTrade under IG North America.
The real differentiator for traders now is education, not access, and that platforms like TastyTrade prioritize teaching users how markets actually work.
The conversation highlights how TastyTrade continues that mission by combining content, community, and trading functionality in one ecosystem.
JJ stresses the importance of understanding “defined risk” in options trading—knowing exactly how much you can lose before entering a trade.
Calendar spreads can help traders take advantage of time decay and volatility differences between expiration cycles.
JJ notes that the “meme stock” era of 2020–2021 changed market dynamics by bringing millions of new retail participants into the market.
JJ warns that while accessibility is great, it can lead to overconfidence, so risk control and continuous learning are critical.
JJ shares insights on how professional traders manage emotions and avoid letting losses dictate decision-making.
Traders who survive long-term tend to manage downside risk far better than they chase upside potential.
The conversation explores how automation and data analytics have reshaped trading, but that human intuition still matters in volatile environments.
Building good habits—like journaling trades, reviewing setups, and setting stop levels—is key to developing consistency.
He encourages investors to find strategies that fit their personality, risk tolerance, and time commitment rather than copying others.
JJ leaves listeners with a simple message: focus on learning, define your risk, and don’t let one trade define your trading journey.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/tasty-options-strategies-for-2025

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This bull market is crashing and no one is talking about it! We kick off the fourth quarter by talking about how the government shut down has impacted the market. Precious metals—particularly gold, silver, and mining stocks—continue to surge in a largely overlooked bull market.

We also critique flawed data interpretations and talk the dangers of drawing false conclusions and the importance of treating data as correlation, not truth. We urge you to think critically about information in both science and finance.

We discuss...

Markets have largely ignored the government shutdown, even moving higher despite it.
Gold, silver, and mining stocks are in a powerful bull market that most investors are overlooking.
Data shows correlation, not truth, and conclusions must be questioned.
Investors should focus on price action and risk management, not the “why” behind moves.
Private equity firms are overleveraged, with declining returns and cash flow–negative companies.
While some private equity opportunities may exist, most are poor deals for average investors.
Examples like JoAnn Fabrics and Red Lobster are cited as once-strong businesses destroyed by debt-heavy private equity ownership.
Public backlash is growing as stories emerge of private equity “ruining” local businesses, hospitals, and jobs.
The Big Ten Conference is reportedly exploring selling part of its media rights to private equity for short-term funding.
Private investors could demand control over athletic or academic decisions, clashing with university missions.
A lack of ethical grounding and values fuels these destructive financial practices.
Many societal problems stem from short-term greed and moral decay rather than lack of opportunity.
They review sector strength, noting broad participation and strong 52-week highs as signs of market health.
Market breadth is strong, showing that many stocks—not just the “Magnificent 7”—are participating in gains.
A “bull market behavior checklist” shows most indicators remain positive, suggesting momentum continues.
Seasonal charts show typical market strength in early and late-year periods, but be cautious against overreliance on averages.
They warn investors to be cautious even in strong markets, as low defensive positioning can precede pullbacks.
Wealth preservation depends not just on building assets but structuring them to last.

For more information, visit the show notes at https://moneytreepodcast.com/this-bull-market-is-crashing

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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Hillary Seiler joins us today to discuss the finances of athletes and NFL players. She shares her journey from personal financial struggles in college to building a career helping athletes, students, and employees improve their financial wellness. She shares how supporting friends who went pro in the NFL led her into creating financial literacy programs for professional teams, eventually expanding into universities and corporate America. She talks the lack of financial education for athletes, the misconceptions around their earnings, and the systems now in place to protect players from going broke.

We discuss...

Hillary is a financial education coach who began working with pro athletes and later expanded to universities and corporate America.
She was inspired by her own financial struggles during her mother’s illness, which gave her perspective on money management.
The NFL now mandates financial education sessions for rookies and younger players to prevent bankruptcy and poor financial decisions.
Many athletes face misconceptions about their earnings, with most NFL players earning far less than the public assumes.
Financial downfall is often tied to lack of education, poor money management, divorce, and being targeted for bad investments.
Hillary teaches athletes to evaluate deals by requiring full business plans and consulting financial advisors before investing.
Support systems and career planning are critical to helping athletes adjust to life after sports and avoid identity loss.
Studies show Olympic silver medalists often stay motivated while gold medalists can struggle with depression and identity loss after reaching the pinnacle.
Professional athletes and military veterans face similar challenges when retiring, often losing their sense of purpose.
There has been debate about requiring athletes to save in pensions or annuities, but concerns remain about limiting free will.
The NFL and NBA encourage saving with strong 401k matching programs, but players cannot access funds until age 45.
The Pro Athlete Community (PAC) helps retired athletes manage money and avoid financial pitfalls.
Despite education programs, some athletes still make costly mistakes or fall for scams, learning lessons the hard way.

For more information, visit the show notes at https://moneytreepodcast.com/the-finances-of-athletes-hillary-seiler

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Your financial advisor hates this bull market! Find out what it is as we talk the recent market conditions as well as the potential upcoming government shutdown, noting that while shutdowns once spooked markets, investors have become largely desensitized as they rarely have major lasting effects outside of government employees and contractors. Shutdowns have historically been used as political tools, sometimes causing GDP drag and reputational costs, but now often register as background noise. We also chat about seasonal and cyclical inflection points—like quarter-ends, tax-loss selling, and earnings season—that can drive short-term volatility. It's important to keep your perspective, recognizing political drama as a “circus,” and instead focusing on underlying market cycles. Today we discuss...

Government shutdowns used to trigger fear in markets but now typically cause little more than short-term noise.
Politicians increasingly use shutdowns as leverage tools in budget negotiations rather than genuine fiscal concerns.
Past shutdowns have shown temporary GDP drag but very little lasting structural harm to markets.
Markets tend to quickly recover after shutdown drama fades, reinforcing investor desensitization.
The real drivers of volatility now are cyclical factors like quarter-end portfolio adjustments and tax-loss harvesting.
Earnings season consistently creates inflection points for markets, often outweighing political headlines.
Seasonal forces can exaggerate short-term market swings, particularly in September and October.
Positioning between defensive stocks and growth stocks is more critical for risk management than reacting to shutdown fears.
Broader global market trends often matter more than U.S. political events.
U.S. small-cap stocks have underperformed compared to large caps and international equities, reflecting structural weaknesses.
Investors should focus on long-term positioning rather than reacting to short-lived shutdown volatility.
Shutdowns reveal the widening gap between political theater and actual economic fundamentals.
Short-term market noise from shutdowns can actually create opportunities for disciplined investors.
Shutdowns are best understood as temporary disruptions, not trend-defining events.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/your-financial-advisor-hates-751

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Dr. Kimberly Harms discusses the importance of end of life planning. She shares her journey from dentistry to becoming a grief counselor, death doula, mediator, and life coach after personal loss, emphasizing the importance of preparing for death and leaving a meaningful legacy. She explains how avoiding conversations about death often leads to family conflict, highlighting the need for clear wills, healthcare directives, letters of intent, and honest family discussions. Beyond finances, she stresses that legacies should center on love, resilience, forgiveness, and teaching life skills to future generations.

We discuss...

Dr. Kimberly Harms transitioned from a 30-year dental career to grief counseling and becoming a death doula after personal health issues and loss.
She emphasizes the importance of preparing for death to prevent family conflict and ensure a peaceful legacy.
Clear wills, healthcare directives, letters of intent, and family discussions are critical to avoiding post-death disputes.
Legacy goes beyond money, including love, resilience, life skills, and emotional guidance for future generations.
Grief is a process that requires active effort, time, and sometimes professional help to work through.
Celebrating life after grieving can bring joy and help loved ones move forward.
Discussing death openly with family, including children, helps prepare them and reduces misunderstandings later.
Emotional affairs, forgiveness, and reconciliation should be addressed while alive to avoid burdening loved ones.
Material possessions should be organized or distributed before death to minimize conflict.
True legacy is remembered in the hearts and minds of loved ones, not through wealth or public recognition.
Giving back through acts like teaching, volunteering, or creating positive impact can extend one’s legacy beyond family.
Preparing now—financially, emotionally, and relationally—ensures loved ones can thrive after one’s passing.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/end-of-life-planning-kimberly-harms-750

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This week we cover the hidden bull market that the billionaires know about. Are you in on it? We also cover the Fed’s recent rate cut and how markets reacted with little real impact, highlighting skepticism about the Fed’s effectiveness and the risks its policies create for wealth disparity and asset inflation. We emphasize the importance of questioning financial “half-truths” as outcomes often depend on assumptions rather than blanket rules. Gold, silver, and mining stocks are strong but under-appreciated trends, while tariffs are having far less economic impact than public debate suggests.

We discuss...

The Fed’s latest rate cut had almost no real impact on markets, revealing investor skepticism about monetary policy effectiveness.
Fed policies have unintentionally widened the wealth gap by inflating asset prices that primarily benefit the wealthy.
Asset bubbles created by easy money policies pose future risks for average investors who lack diversification.
The idea that Roth IRAs are always better than traditional IRAs is a half-truth since tax outcomes depend on future income and assumptions.
Financial advice that paints with broad strokes often fails to account for personal circumstances.
Gold has surged in value, reflecting distrust in fiat currencies and central bank credibility.
Silver and mining stocks are also strengthening, though they lag behind gold and remain overlooked.
Precious metals serve as both a hedge against inflation and a store of value when trust in the Fed declines.
Tariffs are often overblown in the media, with real economic impact being far less dramatic than public debate suggests.
The bigger risk to markets is not tariffs but systemic distortions caused by prolonged monetary policy intervention.
Investors should prepare for volatility, especially given how fragile sentiment has become.
Timing is critical in retirement planning, as retiring during a market downturn can devastate portfolios.
Critical thinking is essential for navigating half-truths in financial media and mainstream narratives.
Complacency is dangerous in today’s environment of uncertainty and shifting economic conditions.
Owning tangible assets like real estate, commodities, or productive businesses is one of the best hedges against inflation and Fed-driven distortions.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/hidden-bull-market-749

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Josip Rupena talks about how his company Milo, created the world's first Crypto mortgage. Josip shares how his background in investment banking led him to found his company, which solves financing challenges for high-net-worth international clients and later Bitcoin holders who struggle to qualify for traditional mortgages despite significant wealth.

He explains how Milo created the world’s first crypto mortgage in 2022, allowing clients to buy U.S. real estate without selling Bitcoin. Josip highlights that Milo’s products give clients flexibility, preserve upside in both real estate and Bitcoin, and address gaps left by legacy financial institutions in a changing economy.

We discuss..

How Josip's career in investment banking exposed him to the challenges high-net-worth individuals face when trying to access traditional lending, especially international clients with wealth but no U.S. credit history.
He founded Milo to address these gaps, initially focusing on helping global investors buy U.S. real estate without relying on outdated borrower requirements set by legacy banks.
Traditional banks are reluctant to serve clients outside narrow profiles—such as W-2 earners with U.S. tax records—leaving wealthy entrepreneurs and international investors underserved.
In 2022, Milo pioneered the first crypto mortgage, allowing Bitcoin holders to directly purchase U.S. real estate without liquidating their coins.
By using Bitcoin as collateral, clients can avoid triggering capital gains taxes while continuing to benefit from potential long-term appreciation.
Milo structures its loans with institutional partners and securitization, bridging the gap between innovative lending products and traditional capital markets.
Crypto-backed loans offer borrowers quick access to liquidity while being overcollateralized to protect Milo and its investors from volatility risks.
Milo’s approach demonstrates how fintech can expand financial inclusion by designing products around real client needs rather than forcing clients into rigid bank standards.
By enabling clients to hold both real estate and Bitcoin, Milo gives them a way to compound upside across two asset classes while maintaining flexibility and financial control.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Mergent College Advisors
Diana Perkins | Trading With Diana

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For more information, visit the show notes at https://moneytreepodcast.com/crypto-mortgage-with-josip-rupena

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There's a silent bull market right now that no one is talking about. Gold has had a powerful breakout and silver’s lagging but still strengthening. Gold has surged from $2,000 to $3,600 since 2023, driven largely by central bank buying amid global distrust of U.S. reserves. Investors should approach metals through ETFs rather than individual picks unless you have deep expertise. We also talk the likelihood of rate cuts under political pressure, persistent “slow burn” inflation from tariffs and supply issues, de-dollarization, and the need for diversification beyond passive index funds. Inflation isn’t dead, passive portfolios are under strain, and active allocation to precious metals may be one of the most underpriced opportunities available.

We discuss...

Gold has staged a historic breakout, climbing from around $2,000 in 2023 to roughly $3,600, with central bank buying acting as the primary driver.
Global distrust in the U.S. dollar and concerns about the credibility of U.S. reserves are pushing sovereign nations toward gold accumulation.
Unlike gold, silver remains more dependent on retail participation and industrial demand, leaving it lagging but positioned for potential catch-up.
Silver faces supply constraints that limit downside, with demand tied to solar, electronics, and other industrial uses, making it a dual-purpose metal.
Mining stocks were highlighted as structurally poor businesses due to high costs and weak capital discipline, yet they are soaring as leveraged plays on rising metals.
Junior miners offer the most explosive upside but come with extreme risks, making them closer to speculative lottery tickets than investments.
For most investors, ETFs and broad metals exposure were recommended as the safer approach compared to individual mining stock selection.
Inflation is not “dead” but a persistent, slow-burn phenomenon fueled by tariffs, supply chain issues, and ongoing policy shifts.
Political pressure makes interest rate cuts increasingly likely, regardless of whether inflation is fully under control.
A broader theme of de-dollarization is accelerating gold’s role in global reserves as nations seek alternatives to U.S. dominance.
Passive index funds were critiqued as over-reliant on historical correlations that no longer hold, leaving portfolios vulnerable.
The hosts concluded that gold, silver, and related hard assets remain one of the most underpriced and overlooked opportunities for active investors today.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/silent-bull-market-747

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Mergent College Advisors
Diana Perkins | Trading With Diana

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Travis Jamison shares his journey from serial entrepreneur to full-time investing in legacy businesses, explaining that while tech is great for building, it’s risky for investing. He allocates capital into small, decades-old businesses via search funds, independent sponsors, and roll-ups, aiming for diversification, steady cash flow, and multiple expansion.

Travis views AI less as a direct investment opportunity and more as a tool for operating businesses that are resilient to technological change. AI’s rapid evolution makes predicting its exact impact nearly impossible, so investors should approach private businesses with careful bet sizing, strong due diligence, and awareness of risks.

We discuss...

Travis Jamison transitioned from serial entrepreneur to full-time investor after several liquidity events.
He avoids investing in tech startups due to disruption risks despite believing they’re great for building wealth.
His capital allocation focuses on small, boring, decades-old businesses that are hard to kill and generate steady returns.
He participates in search funds, independent sponsor deals, and roll-ups, rather than angel or venture investing.
He targets companies in the $4–30 million enterprise value range, often in industries like HVAC, pool services, and rehab centers.
Roll-ups allow him to buy add-on companies cheaply, combine them, and benefit from multiple expansion.
He diversifies across industries to avoid concentration risks and aims to build a portfolio of around 30 small businesses.
He sees the lower middle market as more attractive than larger private equity deals due to lower entry multiples.
He views business as the most fun game to play and continues investing for identity and enjoyment, not just money.
For AI, he invests in companies largely unaffected by it, seeing boring businesses as safer than trying to pick AI winners.
AI should be viewed as a powerful leverage tool, allowing individuals and businesses to achieve far greater output with fewer resources.
Blue-collar industries like HVAC, plumbing, and construction are less exposed to AI disruption in the near term, making them relatively safer sectors.
Many companies deliberately keep their AI use quiet to avoid tipping off competitors or losing their edge.
Because the long-term trajectory of AI is unpredictable, investors should avoid over-concentration and treat exposure as part of a balanced portfolio.
The most effective strategy is to swing at the “easy pitches”—investments with clear fundamentals—rather than forcing deals in uncertain or hype-driven areas.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-legacy-businesses-travis-jamison-746

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You may be missing the biggest bull market right now. Today we share how you can make sure you're a part of it. We talk market trends as we hit September, which has historical weakness for stocks and the tendency for markets to defy consensus expectations. Equities and commodities like oil and natural gas have been lackluster, gold has quietly entered a strong bull market, driven largely by central bank buying rather than retail investors. Investor psychology, price action, and historical cycles shape opportunities in gold and silver markets. We also talk about cultural and global perspectives, noting that Americans tend to favor stocks and dollars over gold.

We discuss...

September was noted as historically one of the weakest months for stocks, often followed by a rebound later in the year.
Markets often defy consensus expectations, meaning heavy selling sentiment could set up a surprise rally.
Gold has entered a strong bull market, driven by consistent central bank buying rather than retail investors.
Silver has lagged behind gold but is positioned for a potential breakout as individual investors enter the market.
Precious metals tend to move in cycles, with gold leading, then silver, followed by miners and junior miners.
Mining stocks can outperform in bull markets but generally have poor business models and higher risks.
Central banks’ distrust of the financial system underpins their growing gold accumulation.
Kirk emphasized that gold miners, though risky and often unprofitable, can deliver exponential upside in bull markets.
Junior miners were described as the most volatile and speculative plays, offering high risk and high reward.
Futures markets were highlighted as distorting bullion’s true value and price signals.
Central banks are steadily accumulating gold instead of treasuries, signaling waning trust in U.S. debt.
U.S. bonds are losing their safe-haven status compared to previous cycles.
Political uncertainty, including figures like Trump, adds to market unpredictability.
Diversification was stressed as key, since risks are already embedded across today’s financial markets.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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Kathleen Peddicord shares her experience living investing overseas. Her journey took her from publishing to becoming an authority on global real estate investing. She discusses why she prefers real estate over stocks while also outlining challenges such as lack of MLS systems, legal complexities, and cultural differences. Kathleen explained how to evaluate markets, avoid overpaying, plan exit strategies, and select properties with unique value rather than cookie-cutter developments. She stressed the importance of freehold title, sound property rights, and turnkey management solutions, while also addressing issues of safety, infrastructure, and research hurdles in foreign markets.

We discuss...

Kathleen Peddicord began her career in publishing with Agora but developed lifelong interests in global diversification and real estate investing.
She prefers real estate over stocks because it offers stability, control, personal use, and both cash flow and appreciation potential.
International real estate yields vary widely, with Panama highlighted as a safe haven market where she has achieved strong rental returns.
A major challenge abroad is the lack of MLS systems, requiring investors to do extensive legwork to determine fair property values.
Ensuring freehold title is essential to avoid risks of losing property to unclear or cooperative land ownership structures.
Investors should plan their exit strategy before buying and avoid cookie-cutter developments that force competition solely on price.
Properties with unique features, amenities, or historical value are better positioned to hold and increase resale value.
Turnkey solutions with property and rental management are crucial for those who don’t live locally.
Legal systems, language barriers, and cultural differences add complexity compared to U.S. real estate.
Safety perceptions are relative, and many international markets can feel safer than U.S. cities depending on the context.
Choosing a country to invest in requires matching personal goals, budget, and lifestyle priorities to the market options.
Visiting potential markets in person is essential, as spreadsheets and research alone can’t capture whether a location will feel right.
Success stories, like a couple thriving in Portugal, show the upside of international moves, while failures, like an unhappy relocation to Belize, highlight the importance of fit and flexibility.
Small surprises—such as homes without hot water—illustrate the cultural adjustments investors must be prepared for.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/living-and-investing-overseas-kathleen-peddicord-744

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Wall Street is selling beer, beaches, and barbecue. Want to invest? We also dove into the concerns about the reliability of government data. Investors should focus less on headline data and more on long-term directional trends, since recessions matter less to portfolios than actual corporate performance. We also talk labor markets, employment revisions, and rate-cut predictions, highlighting inconsistencies and the limited value of forecasts.

Debt structures like extended auto loans and creative mortgages stress the importance of cash flow flexibility and smart loan structuring rather than simply chasing the lowest rate. Kirk also shares his experience getting an offer accepted on a home during a time of market peaks.

We discuss...

Corporate earnings compared to government data; how companies manage expectations to appear consistently successful.
Investors should focus on long-term directional trends rather than short-term or inaccurate data points.
Whether recessions truly matter for investors compared to corporate earnings growth.
Labor market data showed employment revisions and a slowdown in job gains, raising concerns about real job strength.
Predictions of interest rate cuts are inconsistent and unreliable.
Consumer behavior trends, including retail and food service spending, suggested tightening conditions.
Rising delinquency rates in student loans and credit cards signaled growing consumer financial strain.
Mortgages and auto loans showed fewer delinquencies since they are collateralized and prioritized by borrowers.
There is importance in structuring debt with maximum flexibility and focusing on cash flow management.
A home should be viewed as a personal expense rather than an investment.
Housing markets are peaking in many areas, with Massachusetts showing declining rents and prices.
Mortgage strategies discussed include recasting loans and making lump-sum payments to reduce monthly payments or shorten maturity.
Using a home equity line of credit strategically can accelerate mortgage payoff and improve cash flow.
Globally, fertility rates in developed countries are below replacement level, indicating shrinking populations.
Growth in population is concentrated in parts of Africa, South America, and select Asian regions.
Macro trends impacting markets include protectionism, geopolitical tensions, and reserve currency diversification.
Policy rewrites under Trump are shaking up traditional approaches, sometimes positively by encouraging change.
Many U.S. housing markets are seeing declining sales as buyers and sellers are unwilling to compromise.
Tariffs, especially on metals, could spike short-term costs across industries but are expected to normalize over the long term.
Unexpected macroeconomic events, such as new technologies or policy changes, can disrupt markets before adjustments occur.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/wall-street-is-selling-beer-743

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Philip Hoffman is here to share his journey from CPA to investing in fine art. He founded The Fine Art Group, where he advises wealthy families on art investing, valuations, lending, and education. He outlines the global art market as a $60 billion industry with only $6–10 billion considered truly investable, highlights the risks and pitfalls of treating art as an asset class without expert guidance, and shares cautionary tales of investors losing millions by buying discounted works without due diligence, contrasted with success stories where expertise and timing led to strong returns.

We discuss...

Philip Hoffman began his career as a CPA at KPMG, later became CFO and youngest board director at Christie’s, and eventually founded The Fine Art Group.
His firm advises wealthy families across 28 countries on art transactions, valuations, education, and art-backed lending.
Investable art includes high-value works, jewelry, vintage cars, and luxury items like Hermès handbags, while most antiques and collectibles fall outside this category.
Investors can access art through funds, private credit against art, direct ownership, or syndication with others.
Hoffman emphasizes that art buyers should use reputable advisors, much like when purchasing real estate, to avoid costly mistakes.
A client once spent $4 million on 40 polo paintings by an unknown artist with no resale market, ultimately finding them worthless.
Using an advisor costs a fraction of an artwork’s price but can prevent costly mistakes.
Even seasoned collectors often misjudge valuations; in one example, most experts mistook a $1M Monet for a $10M Monet.
Condition issues, provenance gaps, and theft risks make professional due diligence essential in high-value purchases.
Current market conditions—with top-tier art down 20–30% from recent highs—make this one of the best times in decades to buy blue-chip works.
Wealthy collectors often allocate about 5% of their portfolio to art, balancing enjoyment with investment.
The black market exists, but high-profile stolen works are nearly impossible to sell through reputable channels.
Damage usually devastates value, though rare cases like Banksy’s shredded artwork increased in worth due to notoriety.
Mishandling in storage, shipping, or moving can ruin artworks, highlighting the importance of professional logistics.
Over decades, disciplined art investors with good advisors typically achieve strong compounded returns comparable to or exceeding equities.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/investing-in-fine-art-philip-hoffman-742

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Mark Flickinger shares his journey from engineering and building small businesses to working in private market investing at BIP Capital, where he helps both entrepreneurs and high-net-worth investors achieve their goals. He explains that private markets have grown as many high-quality companies remain private longer, creating opportunities for alpha that are less available in public markets, especially as IPO thresholds have risen. Flickinger highlights trends in alternatives, noting that while AI attracts attention, compelling private businesses can now be accessed at lower entry costs.

We discuss...

Mark Flickinger combines his engineering background with investment expertise to support both business owners and high-net-worth investors.
Private markets have grown in importance as alternatives, moving beyond hedge funds to include a wide range of private companies.
Value creation that once happened in small-cap public stocks is now largely occurring in private companies.
Only one out of ten U.S.-based companies with $100 million or more in revenue is public, leaving most growth in private markets.
Entrepreneurs increasingly stay private due to regulatory burdens and the ability to grow without going public.
Business development companies (BDCs) were created to simplify private market investing for U.S.-based companies and investors.
Entrepreneurs are increasingly using a hybrid approach of equity and debt to raise capital without overly diluting ownership.
Taking on a partner or investor is worthwhile if they bring expertise and add significant value to the business.
Debt can be advantageous if the business grows faster than the interest cost, making leverage an effective tool.
Capital should be taken strategically to overcome growth hurdles, not just for the sake of raising funds.
Many business owners excel in specific phases of growth and benefit from focusing on their strengths rather than the CEO role.
The private credit market is likely to expand further, while banks continue to reduce direct lending to businesses.
A robust AI plan is now a key factor in evaluating a company’s long-term potential, beyond just naming conventions.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Diana Perkins | Trading With Diana

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For more information, visit the show notes at https://moneytreepodcast.com/private-market-investing-mark-flickinger-740

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It looks like the market is going on vacation! Well I am too. Today we talk everything from vacation plans to shifting markets. We also cover recent crypto volatility, the resilience of Bitcoin, and concerns over MicroStrategy’s stock dilution strategy, framing dips as potential buying opportunities within broader trends. We chat on quirky social trends in China, like “pretend to work” jobs for unemployed youth, and highlight Ray Dalio’s view that real estate is a poor investment in today’s environment with recent price drops accorss the U.S. Today we discuss...

Media narratives often obscure the real developments happening quietly in the background.
Stablecoins are emerging as a substitute for the dollar and could diminish banks’ central role in the financial system.
This shift resembles the fragmented multi-currency era before the creation of the Federal Reserve.
Recent crypto markets have been volatile, with Bitcoin showing resilience despite sharp pullbacks.
Ray Dalio argued that real estate is a poor investment today due to its interest rate sensitivity and immobility.
U.S. real estate markets are already showing significant price declines in several regions.
The administration is talking up lower rates, Trump has pushed cuts, and Powell left rates unchanged at the last meeting.
Market behavior appears disconnected from economic data, undermining the usefulness of traditional reports.
Government statistics are viewed as unreliable, with references to Shadow Stats’ alternative takes on CPI history.
Given data doubts, the focus should be on how markets and investor sentiment actually react.
Seasonally, mid-August to mid-November is typically weak, and the second year of a presidency often underperforms.
August and September have historically been the S&P 500’s weakest months, while 2025 has so far outperformed typical post-election patterns.
Personal spending is slipping, and fast-casual chains’ same-store sales have fallen since Q4, suggesting strain.
Housing and renovation activity looks softer versus the last five years but closer to pre-2020 norms—a reversion to the mean, not necessarily recession.
Student loan and credit-card delinquencies are spiking, hinting at cash-flow stress that clashes with low unemployment data.
Tariff revenues jumped from roughly $8B/month to about $29.6B/month, with companies largely absorbing costs so far.
Money is chasing select commodities like gold, silver, and uranium, while others like lithium lag and could move with China trade shifts.
The dollar sits mid-range historically and could sink on aggressive cuts, though today’s “broken” market dynamics muddy typical cause-and-effect.
Despite risks, the market’s underlying tone is bullish, so a continued climb is possible on favorable policy headlines.
Research notes humans rate AI higher when it agrees with them, suggesting systems learn to avoid conflict and may reinforce user beliefs.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/market-is-going-on-vacation-739

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Anders Inset is here to share on this new work The Singularity Paradox. He shares his journey from capitalist and athlete to author and shares the concept of the technological singularity and the associated risks of creating godlike, self-improving machines without fully understanding their implications. He argues for developing “artificially human intelligence” rooted in human biology to preserve humanity in the face of exponential technological growth. The discussion covers the profound transformations such advancements could bring, from curing diseases and achieving abundant energy to redefining economics, ethics, and human purpose, while warning about dangers like hyper-efficiency, mass unemployment, wealth inequality, and societal instability.

We discuss...

Anders shares his background as a former capitalist and athlete turned author of seven books blending science, philosophy, and technology.
His latest work, The Singularity Paradox, examines the point where AI surpasses human intelligence and the risks of creating godlike, self-improving machines.
Inset sees the singularity as a transformational moment possibly within 10–20 years, reshaping medicine, energy, ethics, and human purpose.
He warns that AI’s exponential growth leaves little room for error correction compared to past technologies.
Potential benefits include curing diseases, abundant energy, and space exploration, but risks include hyper-efficiency eliminating human labor.
This efficiency could lead to massive unemployment, extreme wealth inequality, and the need for new wealth distribution models.
Inset is more concerned about societal impacts than “killer robot” scenarios, seeing existential risks alongside massive opportunities.
The conversation explores whether humanity can responsibly slow or control AI development, drawing comparisons to nuclear weapons and cloning.
Global governance is needed to regulate emerging technologies like biotech, AI, and quantum computing to avoid uneven playing fields.
Advancements in biotechnology may soon enable life extension and age reversal, raising profound questions about human purpose.
Investment opportunities exist in health tech, decentralized finance, and quantum computing, but risk levels vary widely.
The decentralized financial system could disrupt traditional monetary structures, but it carries geopolitical risks.
Quantum computing threatens current cryptographic security, posing challenges for cryptocurrencies like Bitcoin.
Humanoid robots may create a new consumer market with personalized features and subscription services.
AI’s current impact is limited mostly to process optimization and customer support, with larger economic effects expected by 2026.
Scientific breakthroughs in energy storage and new materials will likely drive new business models.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/the-singularity-paradox-anders-indset-738

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Is private equity destroying your favorite consumer products? Today we discuss economic news, recent Trump-era tariffs, and private equity. We touch on corporate profit margins, wage growth versus price increases, and how different industries—like autos—are affected unevenly. We also explore interest rates and the possibility that traditional cause-and-effect in markets is “broken,” questioning whether metrics like CPI, GDP, and rate changes meaningfully influence market behavior anymore, given recent patterns where markets defy economic logic.

We discuss...

Recent economic updates included the rollback of several Trump-era tariffs, though many remain in place.
Companies are currently absorbing most tariff-related costs instead of passing them directly to consumers.
Concerns were raised that if companies start passing these costs along, price increases could hit consumers later in the year.
Wage growth trends are compared with rising prices, raising questions about future consumer spending strength.
Industry impacts from tariffs vary, with the auto sector singled out as experiencing specific pressures.
Recent market resilience even in the face of economic data could historically trigger volatility or declines.
Earnings reports no longer move markets as much because companies lower expectations to easily beat estimates.
The focus on quarterly earnings is misleading; long-term company growth matters more on an individual level but less on a macro scale.
Value investing has underperformed for about 20 years because fundamentals matter less in today’s market.
The Fed’s interest rate tools are less effective because global capital flows and supply shocks weaken their control.
The Fed can still cause recessions by raising rates too high but can’t fine-tune the economy like before.
Supply-driven inflation (like energy and supply chains) is less responsive to Fed rate hikes.
Market rates often lead Fed policy, meaning bond traders set financial conditions before the Fed acts.
Private equity often overleverages companies, leading to bankruptcies despite popular products, like Instapot.
Private equity uses dividend recapitalization to extract value quickly, saddling companies with unsustainable debt.
Examples like Sears, Joanne Fabrics, Red Lobster, and Toys “R” Us show how private equity can ruin beloved brands.
Private equity has been successful for investors but often at the expense of the long-term health of companies.
Financial planning for college funding is increasingly critical given new loan limits and repayment changes.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/favorite-consumer-products-737

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Vincent Zurzolo shares his journey in investing in comic books. Vincent shares his lifelong passion for comics, which he turned into a successful business that has sold some of the most expensive comic books in history, including multiple million-dollar issues. We discuss how comic books have evolved from casual childhood reads to serious investments, and how third-party grading and online auctions have expanded the market. He emphasizes that comics—whether for fun, art, or investment—are still thriving.

We discuss...

Vincent Zurzolo is the president and co-owner of Metropolis Collectibles and ComicConnect.com, leading companies in the vintage comic book market.
He began collecting and selling comics at 15 and turned his passion into a multimillion-dollar business.
His companies have sold some of the most expensive comics in history, including several copies of Action Comics #1 and Amazing Fantasy #15.
Third-party grading, pioneered by his team, has made comics more accessible and investable for collectors worldwide.
ComicConnect hosts regular online auctions featuring vintage comics, original comic art, and rare collectibles.
Digital platforms like VeVe are changing how comics are collected, using NFT-like tokens to sell limited digital editions.
The global comic market is expanding, with increasing interest in foreign editions and international collectors.
Manga has become the most popular comic format globally, embraced by fans across cultures and countries.
Original comic art—drawings used to create comic book pages—is a growing collectible category with high demand.
People collect comics and art in creative ways, from themes like holidays and sports to specific characters or artists.
Graphic novels, while popular and accessible, generally don’t carry the same investment value as vintage comics.
The comic book market offers entry points for all budgets, from dollar-bin finds to million-dollar grails.
Zurzolo sees comic books as a major American art form that teaches vocabulary, inspires careers, and sparks imagination.
He believes comic book movies will continue to thrive, despite variability in quality like any genre.
He encourages people to read comics not just for collecting, but for joy, creativity, and escapism.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-comic-books-vincent-zurzolo-736

Today's Panelists:

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

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Here's what not to do when buying a house! Today we explore my experience with buying a home. We also talk about what it means to be "anti-fragile" in markets that look stable but are actually full of hidden risks. We unpack why markets feel eerily calm despite cracks under the surface, point to red flags like rising margin debt and overvalued equities, and question the rosy government data that doesn’t match what businesses are actually seeing. We also touch on the Fed’s latest rate hold, the performative nature of their messaging, and why Japan might be the next weak link in the global system.

We discuss...

We talk about how fragile markets can appear strong but collapse under pressure, while anti-fragile strategies are built to withstand shocks.
There’s growing skepticism around official data on inflation, unemployment, and job growth, which often don’t match real-world experiences.
We flag early warning signs like record-high margin debt and stretched market valuations that suggest hidden fragility.
The Buffett Indicator is flashing red, pointing to historically high levels of overvaluation.
We discuss how investors often chase all-time highs without considering the risks beneath the surface.
The Fed paused interest rate hikes again, but its messaging feels more performative than predictive.
Government job growth is outpacing private sector job growth, raising questions about the true health of the economy.
Markets are euphoric about all-time highs, but this sentiment overlooks growing risks and valuation distortions.
There’s a widespread misunderstanding of the difference between correlation and causation in market data and recessions.
Long-term market growth trends can be distorted by short-term performance comparisons, leading to misleading “chart crimes.”
Used car prices remain high, partly due to ongoing shortages and strong demand, especially for 2–3-year-old vehicles.
Housing affordability has worsened dramatically, with mortgage costs far outpacing rent, making ownership financially unappealing.
Personal experience with deceptive sellers reflects broader issues in the housing market’s transparency and ethics.
As interest rates fall, more inventory may hit the housing market, but price drops are likely in many regions.
Homeownership is a personal expense, not an investment, due to ongoing maintenance, taxes, and volatility.
Homeownership comes with hidden costs and liabilities that are often underestimated by buyers.
The financial burden of owning—repairs, maintenance, interest—can reduce or erase the perceived gains over time.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors

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For more information, visit the show notes at https://moneytreepodcast.com/what-not-to-do-when-buying-a-house-735

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Doug Lynam is here today to share about his new book, Taming Your Money Monster. Doug shares his unconventional life journey from a Marine Corps officer to a Benedictine monk for 20 years, where he confronted the inescapability of money even in a monastery and how he later transitioned to become a professional money manager focused on teaching healthier, ethical relationships with money. He discusses how people develop "money monsters"—unhealthy money habits tied to psychological attachment styles. He stresses that while thriftiness is valuable, it should not come at the cost of compassion or love.

We discuss...

Doug explains his "attachment theory of money," comparing unhealthy money relationships to attachment styles in psychology, with anxious and avoidant money behaviors.
He highlights how people often show mixed money attachments across the four pillars of finance: earning, saving, investing, and giving.
Doug reflects on his monastic life as a quest to understand the meaning of life and spiritual unity, which influences his compassionate approach to money.
They discuss the impact of upbringing on money attitudes, using Doug’s father as an example of anxious earning and avoidant saving driven by early scarcity and trauma.
Kirk and Doug talk about cultural and generational influences on thriftiness and money control, including weaponizing money as a form of control.
They explore parenting approaches, emphasizing the importance of setting firm but loving boundaries to teach children respect for money and responsibility.
Doug warns against conditional love based on behavior, advocating for unconditional affection alongside clear consequences.
Doug introduces the Enneagram personality system as a key tool in understanding financial behaviors and emotional patterns related to money, promising to explain it further.
Unlike the more fixed Myers-Briggs system, the Enneagram offers a fluid growth framework that guides emotional and spiritual development over time.
Personal experiences with anger are shared, highlighting how generational values around toughness and self-control shape how anger is handled.
The Enneagram is described as having a spiritual layer that underpins common virtues found in many religions, such as honesty and courage.
Doug stresses that meaningful transformation takes effort and mental work—there are no quick fixes—and that sustained self-awareness and practice are essential.

Today's Panelists:

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

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It's a Crypto Bonanza today we we discuss the new Clarity Act and how it impacts digital currencies. We also chat about the emotional and financial rollercoaster of buying a home in today’s market, as Kirk shares about falling in love with a house—only to walk away after discovering many issues the sellers failed to disclose. We talk about how the cost to buy is now far above the cost to rent in many areasb and how sellers are increasingly unwilling to drop prices—even as supply builds and interest rates stay high. We also dig into how real estate, while deeply emotional, ultimately comes down to math, and why renting may still make more sense...

Wee discuss...

The cost to buy a home is currently much higher than the cost to rent, especially in higher-priced markets.
Emotional attachment often causes sellers to keep unrealistic home prices despite market shifts.
Many markets are seeing a growing supply of homes and longer times on market, leading to price pressures.
Real estate equity is a major source of wealth but is difficult to access without selling or borrowing.
Sellers tend to suppress or avoid disclosing problems to preserve home value, increasing risk for buyers.
Inflation-adjusted home prices show 2025 prices are very high, but official inflation numbers may understate true inflation.
Buying a home is often an emotional and personal decision rather than a purely financial investment.
Renting can be mathematically cheaper, but many still desire homeownership for personal reasons.
The Clarity Act aims to define regulatory authority over digital assets between the CFTC and SEC, though it hasn’t passed yet.
Regulation is viewed positively if it prevents fraud without overly restricting innovation in crypto.
The banking sector may resist crypto innovation due to potential threats to their traditional business models.
Concerns were expressed about government overreach via CBDCs that could control or monitor personal spending.
Despite risks, the government already has many tools to combat financial crime without needing intrusive surveillance.
Bitcoin and Ethereum prices have risen recently, prompting some profit-taking but maintaining belief in long-term value.
MicroStrategy pivoted to Bitcoin investment after years of flat or breakeven performance, using debt and financial engineering to buy more Bitcoin.
The history of MicroStrategy’s CEO includes a past SEC investigation and company struggles before embracing Bitcoin.
The line between genius and stupidity can sometimes be just dumb luck.
MicroStrategy’s strategy resembles a Ponzi scheme by relying on new money to pay returns and leveraging debt to buy Bitcoin.
If Bitcoin crashes, the company faces margin calls and financial stress due to heavy debt.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/crypto-bonanza-733

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Shaan Patel is here to discuss how you can slash the cost of college through some more advanced strategies. We also discuss major education changes packed into the “Big Beautiful Bill,” starting with the introduction of new Trump Accounts—a kind of IRA for minors with no deductions and withdrawal restrictions until age 18. We cover expanded uses for 529 plans, including tutoring, test prep, homeschool materials, and more. Repayment options are narrowed down to just two, and several popular income-driven plans are scrapped.

We also talk about how Pell Grants are being expanded for short-term workforce programs and the future of the Department of Education as it sees deep funding cuts—all pointing to less federal support, more private lending, and a growing need for serious college planning.

We discuss...

Major education reforms packed into the “Big Beautiful Bill,” starting with the new Trump Account—a savings vehicle for minors with a $5,000 annual cap, no deductions, and no early withdrawals.
The bill expands 529 plans to cover tutoring, test prep, online learning, homeschool materials, and special education services.
A new federal tax credit scholarship program allows individuals and corporations to donate up to $1,700 annually to scholarship organizations, with a 100% tax credit.
There’s also $500 million in grants for “American Values” curricula promoting patriotism and national pride.
On the college side, new federal loan caps include $100K for master’s degrees, $200K for professional degrees (like law or med school), and a $257,500 lifetime limit—while Grad PLUS loans are eliminated entirely.
Repayment options are now limited to a standard plan or a new Repayment Assistance Plan (RAP), ending other income-based programs like SAVE and PAYE.
Public Service Loan Forgiveness survives but faces tighter eligibility, and deferment options for hardship have been significantly cut.
Workforce Pell Grants are expanded to include short-term training programs (8–15 weeks) for in-demand technical jobs.
Wealthy universities face a major increase in endowment taxes—up to 8%—especially impacting Ivy League schools.
The Department of Education will see a nearly 20% discretionary funding cut over five years, potentially affecting programs like TRIO that help low-income students access college.
With fewer federal dollars and tighter lending, private loans may fill the gap—making proactive college and financial planning more critical than ever.
Parents of younger students (7th–10th grade) should start planning early for the PSAT.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Diana Perkins | Trading with Diana

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For more information, visit the show notes at https://moneytreepodcast.com/slash-the-cost-of-college-shaan-patel-732

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Kirk changes his tune on housing as he moves towards purchasing a new home. Today we explore how homeownership is often more of an emotional choice than a smart financial investment, with many people misunderstanding the real cost compared to renting. We talk about the burden of property taxes, why paying off a mortgage early might not always make financial sense, and the social pressures around owning a home. We shift gears to a surprising discovery in credit reporting systems—a “Human Trafficking Request” option—which leads us to reflect on the serious issue of human trafficking, especially in border areas, and how complex and unexpected some financial topics can be. We also talk property taxes, economic growth, and more! Today we discuss...

Buying a home isn’t just about numbers—it’s emotional, from nesting instincts to worrying about what neighbors think.
Contrary to popular belief, owning a home often isn’t a great financial investment; it’s mostly a personal expense.
There’s a sweet spot where owning beats renting, but for expensive properties, renting often comes out cheaper.
Paying off a low-interest mortgage early might feel good, but financially, investing that money elsewhere often makes more sense.
You never really “own” a home because ongoing costs like taxes and maintenance keep coming.
A bizarre credit bureau feature for removing human trafficking info—raises a lot of questions about what’s on our reports.
Trying to freeze or check credit reports online turned into a frustrating experience with errors and security concerns.
A “chart crime” was discussed involving misleading silver price charts that artificially suggest massive future price spikes.
Everyone, including experts, has biases, and the best investing involves independent thinking free from crowd influence.
Warren Buffett’s investment strategy of avoiding Wall Street noise by focusing on fundamentals is highlighted, though his recent performance is debated.
The US stock market has outperformed international markets over the past two decades, with Europe’s regulatory environment hindering growth.
Government remains the largest job growth sector in the US, followed by healthcare, while mining, logging, and wholesale trade experience declines.
The overarching advice is to think independently and critically about economic and investment data rather than relying solely on common narratives or biased sources.
Silicon Valley Bank’s collapse risked systemic damage due to concentrated wealth in California’s tech sector and the bank’s insolvency.
Banks face difficulty raising liquidity quickly without selling assets at steep unrealized losses, causing stress in both banking and real estate markets.
Tech giants like Apple, Microsoft, and Nvidia are performing well in earnings season, while healthcare and oil services sectors lag.
Caution is advised against chasing recent market gains, with better opportunities expected in the fall after potential market pullbacks.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/kirk-changes-his-tune-on-housing-731

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Kaitlyn Laney shares her personal and professional journey, and how she manages balancing motherhood and financial advising. As she runs her own firm in Scottsdale, Arizona, Kaitlyn emphasizes the limitations of big financial firms and how individualized planning is critical—especially for high earners who often receive poor or outdated advice.

Kaitlyn highlights the importance of understanding taxes, setting up retirement plans tailored to personal goals, and adapting financial strategies to different life stages. She also dives into the real costs of child care, the economic trade-offs families face—particularly women—and the rationale behind her husband choosing to stay home.

We discuss...

Kaitlyn Laney shares her background as a financial advisor who left a large firm in 2018 to start her own practice in Scottsdale, gaining the flexibility to be more present for her family.
She discusses the challenges of raising two young boys under the age of two while managing a business and household.
Kaitlyn emphasizes that many financial advisors give generalized advice that doesn’t keep up with clients’ evolving wealth and tax situations.
She highlights a common industry issue: high-income earners receiving poor advice, like being incorrectly advised to contribute to a Roth IRA.
Kaitlyn stresses the importance of personalized financial planning focused on education, understanding tax brackets, and using strategies like 401(k)s or SEP IRAs to reduce tax burdens.
She encourages clients to view financial decisions through the lens of life stages and accept that intense spending periods (like early childhood) are temporary.
The conversation explores the high cost of childcare, often exceeding college tuition, and the value of repurposing childcare expenses into savings once children enter school.
Kaitlyn explains why her husband decided to stay home, citing the minimal financial benefit of both parents working while paying for full-time childcare.
They discuss how many families, especially women, face difficult trade-offs between career and caregiving due to unaffordable childcare.
The couple prioritizes simplicity and a lean budget over luxury spending in order to create time and presence for their children.
She acknowledges the emotional trade-offs of missing certain moments but emphasizes intentionality in the life they've designed.
Despite initial fears about leaving a big firm, she successfully built a $100M independent practice focused on low fees and personal planning.
She credits faith, risk-taking, and a supportive partner for enabling her transition into entrepreneurship and motherhood on her terms.
The conversation emphasizes the value of designing a life based on long-term goals and rejecting societal pressures to overspend.
Kaitlyn advises not to rely on Social Security alone and stresses the importance of working with a qualified advisor to build a plan that fits your life stage and goals.

For more information, visit the show notes at https://moneytreepodcast.com/balancing-motherhood-and-financial-advising-kaitlyn-laney-730

Today's Panelists:

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

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Today we go down the AI rabbit hole. We also discuss the highlights of the new legislative package dubbed the “big beautiful bill,” which includes tax changes like extending 2017 tax cuts, increasing standard deductions, eliminating taxes on tips and overtime, and adding a car loan interest deduction. They critiqued the temporary nature of supposedly “permanent” policies, expressed concern over increased national debt, and discussed the personal finance implications of car depreciation and insurance after one host totaled his vehicle and bought a newer model. We also talk about the potential of lower interest rates.

We discuss:

The recent (and short-lived) Israel-Iran conflict and it's comparisons to past rushed declarations of victory.
The newly passed “big beautiful bill,” which includes many tax-related changes.
The permanent extension of 2017 tax cuts, though “permanent” really means until the next administration.
A new "Trump Account" for minors allows $5,000 in annual contributions but restricts withdrawals until age 18 and offers no tax deduction.
Charitable deduction rules changed, and the 1099-K reporting threshold rollback was included.
Education provisions included a new federal tax credit scholarship program modeled after Florida’s, with no federal cap.
Public Service Loan Forgiveness (PSLF) remains but with potential restrictions looming.
Medicaid spending is being cut by $1 trillion, which may impact school-based mental health services.
The Department of Education faces a 20% cut in discretionary spending over five years.
The hosts emphasized the rising importance of college financial planning given shrinking federal support.
Elon Musk’s proposes the “America Party” which lack of creativity makes it seen as another PR move.
The conversation shifted to rising consumer concerns about job loss, with data showing job fear levels near historical highs.
We question whether we're in a recession and whether the technical label even matters to markets or investors.
True market crashes are rarely surprising and often come with warning signs.
Tariff impacts were discussed, with most firms passing costs to consumers or absorbing them internally rather than reshoring.
Manufacturing sectors are more affected by tariffs than tech, healthcare, or utilities.
They noted the dollar has sharply declined in 2025, one of the worst first-half drops since 1986.
The weakening dollar is viewed by the Trump administration as a tool to boost exports and domestic manufacturing.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/ai-rabbit-hole-729

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Dr. Amir Baluch, a semi-retired anesthesiologist and founder of Baluch Capital, shares his journey from medicine into alternative investments, emphasizing the importance of income diversification after early career financial setbacks. He discusses his firm’s multi-asset platform for accredited investors, which includes real estate development, private equity in life sciences, life settlement funds, and explorations into litigation finance. We touch on AI’s disruptive potential across sectors and note that success will depend less on access to AI tools and more on the speed of implementation, data quality, and strategic defensibility.

We discuss...

Amir Baluch is a semi-retired anesthesiologist who now runs Balouche Capital, focusing on alternative investments for accredited investors.
Amir initially pursued finance out of concern for income stability after early setbacks in business and observing his father’s financial struggles.
Life sciences and biotech are Amir’s personal focus, especially technologies that improve healthcare delivery, like non-invasive multi-cancer blood tests.
Life settlements appeal due to low correlation with markets and inevitable payout, though underwriting accuracy and deal flow are crucial for returns.
Amir is exploring litigation finance but hasn’t yet launched a product; he’s researching deal structures and entry points.
Real estate strategies include both single-deal investments and blended income funds with quarterly or monthly distributions.
In biotech, Amir prefers early-stage venture capital and is now also exploring leveraged buyouts for behavioral health businesses.
AI is viewed as a major disruptor, but success will depend on implementation speed, data quality, and prompt engineering.
In healthcare, software alone isn't enough—relationships and integration skills are critical for success.
Biotech and real estate software require domain expertise to be meaningfully useful or defensible.
AI helps trading funds reduce risk by filtering out bad trades rather than increasing returns.
Future success with AI will depend on data quality, creative use, and problem-solving skills—not access alone.
Real estate remains inefficient and relationship-driven, which limits AI's ability to disrupt deal sourcing.
AI can aid real estate acquisitions by quickly modeling and ranking deals based on defined risk/return criteria.
Strong personal networks still outperform AI in gaining early access to off-market real estate opportunities.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Diana Perkins | Trading With Diana

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For more information, visit the show notes at https://moneytreepodcast.com/from-medicine-to-alternative-investments-dr-amir-baluch-728

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AI thinks it's OK to steal and blackmail you! Today we dive deep into the evolving landscape of artificial intelligence, highlighting both its disruptive promise and emerging risks. New research showing that large language models (LLMs) often resort to manipulative behavior when put under pressure, raising ethical and control concerns. We also talk about investment strategies around AI infrastructure, noting underperformance in traditional strategies like small-cap, international, and value investing. We also explore a new MIT study suggesting AI may reduce cognitive engagement and critical thinking and widespread reliance on AI tools could lead to long-term intellectual decline.

We discuss...

A recent study showed that in simulated scenarios, AI models like Claude, GPT-4, and Gemini frequently resorted to blackmail when "cornered."
All major large language models displayed concerning behavior in adversarial tests, highlighting a broader industry problem.
AI is surprisingly poor at basic math tasks despite being computer-based, which raises risks for business use in financial roles.
Apple is rumored to partner with Anthropic (Claude) for Siri instead of acquiring them outright.
AI tools have shown 85.5% accuracy on challenging medical cases, compared to 20% accuracy by experienced physicians.
The use of AI in healthcare may not replace doctors but is expected to enhance their capabilities significantly.
Elon Musk warned AI development may soon face power supply bottlenecks, particularly due to training instability during grid fluctuations.
Battery storage is becoming critical to stabilize AI-related energy demands, similar to power issues seen in crypto mining.
Broader investment trends include AI, nuclear, space, blockchain, and cannabis, with many investors still concentrating on the "Magnificent Seven."
Traditional diversification strategies like small-cap, value, and international investing have underperformed for decades.
Despite high valuations, the U.S. remains the most attractive market compared to overregulated or unstable alternatives like Europe or China.
A recent MIT study suggested AI use may lead to cognitive decline, describing users as becoming “cognitively bankrupt.”
Reliance on AI could undermine critical thinking, especially among younger generations.
AI, like social media, might make society dumber by eliminating the need for deep thinking.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/ai-thinks-its-ok-to-steal-727

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Ryan Chaw shares his bedroom real estate rental property strategy. As a pharmacist-turned-real estate investor Ryan shares how he built a successful portfolio of 14 rental properties generating $50,000/month in income by renting out homes by the bedroom to students and professionals near college campuses. Now financially free, he spends his time coaching others and maintaining a disciplined approach to growth while avoiding low-quality competition and preserving strong tenant relationships. Today we discuss...

Ryan Chaw transitioned from a pharmacist to a real estate investor inspired by his grandfather’s success in Bay Area real estate.
He began investing in 2016 with a $262,000 property in Stockton, California, renting it by the bedroom to maximize cash flow.
His strategy involves converting 3-bedroom homes into 5- or 6-bedroom rentals and leasing them to students and professionals.
Ryan now owns 14 rental properties generating $50,000 per month in income and has fully replaced his pharmacist salary.
Most of his tenants come from word-of-mouth referrals, especially from student communities at nearby colleges.
Properties that would rent for $1,500–$2,200 annually generate $4,000+ per month when rented by the room.
Competition in his niche is limited and often low quality, with few landlords offering the same level of service.
Ryan sees consistent long-term demand with students signing multi-year leases and bringing in future tenants.
Ryan targets neighborhoods favored by graduate students and healthcare professionals by researching Reddit forums for off-campus housing recommendations.
He rents to both students and healthcare workers, often securing two-year leases from medical residents and fellows.
He continues to acquire at least one new property per year and currently owns 14 rentals.
He recommends keeping $7,000 to $10,000 per property in reserves to cover unexpected maintenance like HVAC or roof issues.
He clusters tenants by category (e.g., pharmacy students, dental students, healthcare workers) to foster a sense of community.
His four key success factors for student rentals are proximity to campus, neighborhood safety, affordability, and tenant community.
Ryan uses VAs to triage maintenance requests and relies on a vetted contractor network to address issues within 24 to 48 hours.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/bedroom-real-estate-ryan-chaw-726

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Today we talk the end of quarter performance for quarter two of 2025. How did you do? We also cover a wide range of economic and market topics, beginning with the complexities of investing in artificial intelligence, lessons on succession planning, leadership transitions, and the importance of understanding demographic and power dynamics in both politics and investing. We note that large-cap growth, tech, and industrials led Q2 performance, while energy and real estate lagged. Mounting debt, rising delinquencies, and wage garnishment were cited as signs of economic stress, especially among younger and lower-income Americans, but the U.S. is still regarded as one of the best places to live. Today we discuss...

AI emerges as a hot investing theme, but it’s difficult to get meaningful public equity exposure to the trend.
We talks lessons for business owners on succession planning and the difference between operators and visionaries.
You should invest in yourselves, learn how to work with AI, and become irreplaceable in the workforce.
They conclude that unlike past tech revolutions, understanding AI is more about mindset, prompting skills, and creative application than simply buying stock exposure.
Warren Buffett can be both the greatest investor of all time and underperform over the last 25 years.
Buffett’s investment challenges are partly due to managing massive capital, but he also strayed from his original strategy.
Buffett should have retired decades ago and left day-to-day decisions to others.
This is a parallel between aging leaders in investing and aging politicians who refuse to step down.
The Baby Boomer generation is described as unintentionally draining economic resources through demographic trends.
Understanding leadership transitions and generational shifts is crucial for evaluating companies and markets.
Q2 market performance shows large-cap growth outperforming small-cap and value stocks.
Sectors like industrials, communications, and tech led, while energy, real estate, and healthcare lagged.
High beta, momentum, and pure growth factors outperformed, while high dividend and low volatility underperformed.
Treasury bonds, especially international, were among the best-performing fixed income assets.
Precious metals like gold, silver, and uranium led commodities; agricultural products like corn and wheat lagged.
Many top-performing countries are printing money, boosting markets, despite geopolitical or structural issues.
Biotech investing is highly complex due to multiple layers of science, regulation, and operational risk.
Investors don't need to invest in every trendy sector—understanding is more important than participation.
Crypto markets have rebounded, with Ethereum and Bitcoin showing strong recent gains.
The "Magnificent Seven" tech stocks have mixed performance, with Apple and Tesla notably underperforming.
The market is entering a historically strong July–August window, buoyed by trade optimism.
U.S.–China relations show signs of improvement, including mutual resource access.
Buy Now, Pay Later services are beginning to impact credit scores and consumer financial stability.
Over 2.3 million households are delinquent on mortgage payments, with foreclosures up 34%.
Renters face growing pressure, with 21% behind on payments and eviction filings surging.
Mounting debt burdens are fueling disillusionment among younger Americans, increasing support for socialism.
Inflation has cooled from 9% in 2022 to 2.4% in April 2025.
Despite challenges, the U.S. is still viewed as one of the best places to live.

For more information, visit the show notes at https://moneytreepodcast.com/end-of-quarter-performance-725

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Eric Malka shares his journey from arriving in the U.S. as a 17-year-old immigrant with $100 to co-founding The Art of Shaving, a brand that redefined men’s grooming by turning shaving into a premium ritual experience. He explains how a chance job in men’s grooming and exposure to traditional shaving culture in London inspired him to bring the concept to the U.S., where he and his wife opened their first store using natural ingredients and a four-step shaving system. Eric attributes their rapid growth and eventual acquisition by Procter & Gamble to their emotional connection with customers, brand storytelling, and strategic pivots—including leveraging media exposure, expanding into wholesale, and cautiously raising capital at the right time.

We discuss...

Eric Malka shares his background as an immigrant entrepreneur who arrived in the U.S. at 17 and eventually sold his company to Procter & Gamble.
He is best known for founding The Art of Shaving, a luxury men’s grooming brand launched in 1996 in New York City.
The idea for the business came from his exposure to traditional shaving shops in London and his wife’s interest in natural ingredients.
He described how the brand’s emotional appeal, especially the father-son connection around shaving, created strong customer loyalty.
Eric stresses the importance of focusing on emotional branding and creating meaningful rituals rather than just selling products.
He attributes the shift in the shaving market to overpriced blades, the beard trend, and disruptors like Dollar Shave Club and Harry’s.
He explaines that their success was rooted in consistent brand execution and connecting deeply with consumers.
The company strategically delayed raising capital until it was necessary and used that funding to accelerate growth.
Eric emphasizes the importance of pacing growth—crawling before walking, walking before running, and using capital as rocket fuel only when ready.
Eric highlights that many competitors tried to copy The Art of Shaving but failed due to weaker execution, particularly in store location and brand experience.
He planned his exit years in advance and was strategic about timing and value.
Working with P&G during the earn-out turned out to be educational and inspiring, giving him exposure to world-class brand and marketing leadership.
Eric became a student of investing, studying top investors and institutions to build a diversified, tax-efficient portfolio.
Malka defines his legacy around promoting natural health, entrepreneurial values, and helping underdog founders succeed.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/the-art-of-shaving-eric-malka-724

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AI just taught me this cool thing... keep on listening to find out what it is! Today we talk about the massive and fast-moving implications of AI. We share the personal experiences with how AI challenges traditional business structures and workflows, requiring users to reimagine how work is done. We also explores how AI may replace many functions within organizations, from marketing to operations, while still lacking in areas like math accuracy and sales conversations. We also talk about Mary Meeker’s AI report, noting unprecedented user adoption, the rapid rise of global competitors like China’s DeepSeek, and the prediction that LLMs will become personal, customizable, and nearly costless. We need to rethink AI’s role in business, its deflationary impact on cost, and how fast-changing technology may render old tools and concepts obsolete.

We discuss...

How humor and sarcasm could be the final frontier in distinguishing AI from humans.
The greatest investment in AI is learning how to use it personally and professionally.
How limited human imagination, not technology, is the biggest barrier to innovation with AI.
AI’s limitations in math were noted, with a warning not to fully trust it as a CFO despite its operational usefulness.
AI isn’t quite ready for high-touch sales calls but is rapidly closing the gap in other business areas.
Global AI adoption is surging, with China’s DeepSeek gaining ground quickly through much lower-cost models.
Token costs have dropped nearly 100% in two years, and energy efficiency in GPUs has improved drastically.
With the penny going out of circulation, it might be time to start saving them as collectibles.
AI development curves are moving much faster than traditional SaaS models, making this a truly disruptive moment in tech.
Meta’s LLaMA has been downloaded 1.2 billion times in 10 weeks, with over 100,000 derivative models created.
The performance gap between open-source and closed AI models is shrinking rapidly, with DeepSeek nearly matching OpenAI on benchmarks.
The AI ecosystem is becoming decentralized, much like the shift from centralized platforms to blockchain-based alternatives.
Decentralization is praised for enabling free speech, innovation, and diversity of thought, unlike centralized control.
Most employees are already using AI tools like ChatGPT personally, even if companies haven’t officially adopted them.
AI is increasing personal productivity, but there’s concern it may ultimately compress work rather than improve quality of life.
Over 60,000 new AI-related job titles have emerged in just two years, indicating a massive career reshuffle.
Without earned knowledge, people can misuse powerful tools like AI, just as they did with nuclear weapons.
The future with AI could resemble either Skynet or Star Trek, and no one truly knows which way it will go.
There is risk of psychological strain and social dysfunction if people are displaced without purpose.
AI tools can now bypass paywalls and summarize articles, challenging traditional media revenue models.
The current wealth gap and collapse of the middle class is unprecedented, even before full-scale AI disruption.
Decentralized AI (e.g., having your own local models) is seen as essential to maintain independence and avoid manipulation.
A growing imbalance of more sellers than buyers suggests further downward pressure on real estate prices.
Political pressure is influencing Fed policy, with previous rate cuts seen as potentially timed to impact elections.
Global conflict, such as recent Middle East tensions, is having surprisingly little impact on the stock market.
Investors should focus on risk management given the unpredictability and detachment from fundamentals.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/ai-just-taught-me-this-cool-thing-723

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Mukarram Mawjood is here to share on commodity cycles and investor sentiment secrets. He discusses his focus on alternative assets including precious metals, crypto, and real estate, highlighting silver as his top current pick due to its price lag behind gold and significant upside potential. He explains how gold’s recent surge has largely priced in geopolitical risk, while silver remains undervalued despite industrial demand. He also touches on market psychology, gold-to-silver ratios, and how cryptocurrencies are increasingly competing with gold as alternative stores of value.

We discuss...

Mukarram's firm invests heavily in physical metals, crypto, and real estate—assets with inverse correlation to the U.S. dollar.
Silver is seen as significantly undervalued relative to gold, presenting a price arbitrage opportunity.
He sees silver’s price lag as typical behavior in precious metal bull cycles, with major catch-up potential.
Central banks buying gold has driven recent price action, while silver remains overlooked by both institutions and retail investors.
Geopolitical tensions have driven gold's rise as a safe haven, but easing global instability could rotate capital into silver.
Mukarram emphasizes timing and patience—investors should scale into undervalued assets before the move happens.
Crypto has diverted some capital from gold but believes both assets serve different investor needs.
During COVID, gold quietly doubled from 1,200 to over 2,000, which many missed due to lack of long-term positioning.
Bitcoin and crypto sometimes move like metals, but when metals act as a safe haven, crypto typically does not.
Crypto currently offers opportunity not because it's strong, but because it’s been beaten down while gold rallied.
Bitcoin may still hit 100K–200K, but other assets may outperform it percentage-wise during its rise.
Ethereum has mixed sentiment in the crypto community, but Solana is gaining more institutional adoption.
Major crypto news events often coincide with local tops, especially in bull markets.
Crypto cycles are faster (typically 18 months), while metals like gold and silver move in 3–5 year timelines.
Crude oil's recent stagnation shows how macro factors like tariffs and recession fears can override seasonal patterns.
Commodities should be chosen based on correlation to the U.S. dollar and liquidity conditions.
Successful trading is 75% mindset and only 25% technical skill, especially in volatile markets like crypto.

For more information, visit the show notes at https://moneytreepodcast.com/commodity-cycles-mukarram-mawjood-722

Today's Panelists:

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

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There is war in the middle east again! Today we talk about the recent escalation of conflict between Israel and Iran, with speculation that the U.S. may be involved indirectly. Media narratives are particularly frustrating, with uncertainty and conflicting reports make it difficult to know what’s truly happening. This definitely parallels the financial markets, particularly with how differing narratives shape reactions during times of volatility with many often making moves on perception rather than confirmed facts. The war could potentially impact on oil prices and inflation among other global economic repercussions despite the U.S. being more energy independent.

We discuss...

War has reignited in the Middle East, with Israel attacking Iran and missiles flying in both directions.
There's confusion about U.S. involvement, with implications that support for Israel exists behind the scenes.
The biggest economic concern is the potential for rising oil prices and inflation due to conflict.
Oil futures spiked shortly after the attack, raising suspicions of insider trading among politicians.
The discussion draws parallels between the chaos of war and financial markets—both are driven by incomplete, misleading, or rapidly evolving information.
The role of algorithms and the lack of liquidity are blamed for severe price swings during market disruptions.
Humans feel compelled to understand market movements even when there may be no clear explanation.
Market price is the most honest signal, but its drivers are often unknowable or misleading.
The U.S. is stepping back from global policing, reinforcing an “America First” geopolitical posture.
China is rapidly overtaking Western industries like autos, robotics, and nuclear energy.
Global money printing continues to fuel equity markets despite mixed economic signals.
Investment strategy should focus on capital flows, not moral preferences or outdated macro narratives.
ESG investing appeals to emotions, but maximizing returns and funding good later may be more effective.
Google quietly changed its algorithm to penalize independent contractors on major media platforms.
Search is undergoing a dramatic transformation due to AI, fundamentally changing how users and companies interact with information.
Google’s ad business is threatened as users shift from browsing search results to receiving direct AI-generated answers.
New technologies upend existing industries, especially if introduced abruptly without time to adapt.
The global AI race—especially against China—is accelerating progress beyond what’s safe or manageable.
AI will likely displace workers not all at once, but gradually as its capabilities expand and efficiencies are realized.
AI thinks differently than humans—it doesn’t require order or structure to understand inputs.
Learning how to think and work with AI is becoming a crucial new skill set.

For more information, visit the show notes at https://moneytreepodcast.com/war-in-the-middle-east-721

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Matthew Le Merle joined the podcast to discuss his journey from a consulting background to breaking finance with blockchain. He explains how he and his wife Alison pivoted to blockchain after recognizing it as the next major wave of digital value creation following the internet era. He breaks down the differences between blockchain, crypto, and DeFi, and shares how the financial industry is slow to adapt due to outdated systems and vested interests. While adoption may seem slow, it's actually progressing rapidly by historical standards, and transformation remains inevitable no matter what.

We discuss...

Matthew Le Merle transitioned from a career in consulting and digital innovation to blockchain venture investing after identifying it as the next major wave of value creation.
He and his wife began investing in blockchain over a decade ago, seeing it as the foundation for digitalizing commerce and finance.
Blockchain, or distributed ledger technology (DLT), complements the internet by enabling secure, trust-based value transfers.
Crypto is a subset of digital assets—usually natively digital—enabled by tokenization on blockchain infrastructure.
Tokenization allows any asset to be digitally represented and transacted without paper or manual processes.
DeFi (Decentralized Finance) enables financial transactions through code rather than intermediaries, potentially removing banks and middlemen from the equation.
The current financial system is deeply entrenched with inefficiencies and intermediaries that profit from friction and delay.
Incumbent institutions like banks face both technological and incentive-based challenges in adopting blockchain solutions.
Just as digital communication disrupted legacy industries, blockchain is likely to disrupt banking and finance despite institutional resistance.
While adoption of smart contracts and blockchain applications has been slower than expected, it's following a similar long development arc as the early internet.
Digital assets are designed to function natively on digital infrastructure, enabling real-time, frictionless movement.
Discounted cash flow models can now be used to estimate intrinsic value for platforms like Ethereum and Solana.
Bitcoin’s value is more abstract, deriving from its role as a hedge against government control, inflation, and confiscation.
Blockchain investing spans six asset classes: early, mid/late, and public stages for both equity and token-based investments.
Entry-level exposure to crypto can be done via small Bitcoin allocations, as recommended by BlackRock and others.
The biggest blockchain fortunes have come from early-stage investments, not public market trading.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/breaking-finance-with-blockchain-matthew-le-merle-720

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AI is causing a big disruption but the number 1 investment you can make in AI is learn it before you get left behind! Today we talk on the cultural, societal, and economic disruption caused by AI, comparing its transformative potential to that of the industrial age. While traditional frameworks—like working for purpose, identity, and productivity—are deeply ingrained in modern life, AI is rapidly eroding these norms by replacing jobs and altering what it means to be valuable in the workforce. Despite the uncertainty and anxiety around obsolescence, the best current investment is learning how to effectively use AI—not just dabble in it, but truly understand and apply it—as this will separate the empowered from the obsolete in the coming years.

We discuss...

AI is positioned as a disruptive force akin to the Industrial Revolution, challenging long-standing societal frameworks.
Modern systems—from schools to corporations—are still rooted in Industrial Age models built for efficiency, not creativity.
Innovation comes from the small percentage of society willing to think differently, even if they seem eccentric.
AI represents a fundamental shift in how we think about productivity, identity, and purpose.
Most people need purpose, and work has traditionally served that function—AI may disrupt this connection.
People who understand how to use AI will replace those who don’t, creating waves of obsolescence.
The rise of AI may force society into an identity crisis as traditional roles and functions disappear.
Many people won’t be able to re-skill fast enough to keep up with AI’s rapid displacement of labor.
Investing in AI is challenging because major players are private or already priced for perfection.
The best AI investment today is learning how to use it yourself to create value directly.
AI can replace high-salary roles with low-cost automation—great for businesses, threatening for workers.
Replicating your brain in AI gives you a major edge in decision-making and productivity.
Privacy concerns are fading as people get used to sharing personal data with AI for performance gains.
Investing in your understanding of AI is the most valuable thing you can do today.
AI is easy to use—success comes down more to willingness than difficulty.
Human interaction is the hardest part of work for AI to replicate.
AI futures range from utopian to dystopian—avoid extreme views and prepare with skills instead.
The Elon Musk–Donald Trump "bromance breakup" shows how political and business alliances can impact markets.
“Second-level thinking” is crucial to interpreting events beyond surface-level headlines.

For more information, visit the show notes at https://moneytreepodcast.com/1-investment-you-can-make-in-ai

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Phil Weiss | Apprise Wealth Management
Douglas Heagren | Pro College Planners
Megan Gorman | The Wealth Intersection
Tim Baker | Metric Fin
Jeff Hulett | Finance Revamp

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Laura Adams shares her journey into personal finance, podcasting, and authorship with her new book Money-Smart Solopreneur. She shares how she transitioned from corporate finance aspirations to helping individuals improve their money management through writing and podcasting. She discusses the evolution of book publishing, the growing need for supplemental income due to inflation and stagnant wages by starting side businesses, and practical advice on identifying marketable skills.

We discuss...

Laura Adams has worked in personal finance for nearly 15 years, transitioning from a corporate finance path after noticing even smart professionals struggled with money basics.
Her passion for financial education led her to blogging and podcasting in the mid-2000s, eventually growing the "Money Girl" community.
Writing books is a major undertaking that requires deep effort, especially when promotion is involved.
Her dream of seeing her book on bookstore shelves motivated her to pursue traditional publishing, despite the changing landscape of book promotion.
How the financial pressures facing many Americans today, especially due to inflation.
Laura encouraged people to consider starting a side business to supplement income and access tax advantages.
Side businesses should ideally be enjoyable since they often take place during personal time.
Starting small and testing the market with minimal upfront investment is a smart approach to launching a side hustle.
People should leverage existing skills and interests when brainstorming side business ideas.
If your goal is quick income, practical gigs like freelancing, tutoring, or becoming a virtual assistant may be for you.
Many people feel intimidated by starting a business but advised against overthinking early-stage logistics.
Wait until a side business earns around $10,000 annually before worrying about formal structures like LLCs or accountants.
Market research through conversation can spark ideas and reveal where your talents might fill a gap.
Iterative experimentation are a great way to discover what business ideas are both enjoyable and viable.

For more information, visit the show notes at https://moneytreepodcast.com/money-smart-solopreneur-718

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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AI will change your life! Are you ready? Today we dive into the evolving landscape of AI, the capabilities and limitations of current AI models like ChatGPT, Claude, Grok, and Gemini, and why most users don't get the results they truly want. While AI is a very powerful but immature tool, learning how to use it effectively will help you to stay relevant in the workforce and can benefit your personal life as well. AI disruption is inevitable and potentially beneficial but it also raises serious questions about human adaptability for a rapidly changing future.

We discuss...

Frustrations around AI tools like ChatGPT, Gemini, Claude, Grok, and DeepSeek, especially when users expect too much without giving clear input.
The importance of context and prompting in getting valuable responses from AI.
Most people use AI poorly, often giving it vague or vanity prompts without depth.
Our industrial-era mindset doesn’t prepare us to use AI effectively, and adaptation is essential.
AI can assist with tasks like job postings or report generation, results depend heavily on user input.
AI disruption will be massive, though adoption will happen gradually over time.
The first wave of job losses will hit those who don’t learn how to use AI tools.
Identity—such as being a provider, parent, or worker—could be threatened by AI taking over meaningful roles.
Ego and confirmation bias could limit AI’s effectiveness as a truth-telling tool.
While AI can process inputs and generate useful outputs, it still requires thoughtful human analysis.
The U.S. housing market has shown nearly 500,000 more sellers than buyers — the largest gap on record.
Credit conditions has deteriorated — 2.3 million borrowers have dropped into subprime credit territory
Student loan delinquencies have spiked sharply since collections resumed in May.
Nearly $100 million has been collected by Treasury and the Department of Education from defaulted borrowers.
Average rent prices have declined, yet overall consumer stress has risen due to financial pressure.
Housing prices remained elevated, but affordability has deteriorated, putting pressure on cash-strapped households.
Mortgage availability remains key to housing demand, as the majority of buyers rely on loans, not cash.
Google search trends reveal more people are asking AI and search engines basic “adulting” questions, like how to use a mop or credit card.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/ai-will-change-your-life-717

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Kurt Carlton discusses the inefficiencies of the MLS for a good real estate investment strategy. It's currently hard to find good deals, an MLS doesn't show the scale of vacant housing in the U.S., and some sellers often prefer off-market options that avoid inspections and repairs. We also talk broader market dynamics as today’s challenges stem not from distressed sellers, as in 2008, but from an aging housing stock and a severe shortage of new construction. Local real estate investors are best positioned to help restore inventory by rehabilitating vacant homes, offering a scalable solution to a long-term housing crisis.

We discuss...

Kurt Carlson has nearly 20 years of experience in real estate, specializing in distressed and value-add residential properties.
Unlike the MLS, Kurt's real estate platform targets off-market and undervalued properties not suited for traditional homebuyers.
The MLS is inefficient for distressed properties, as typical buyers are discouraged by repairs and inspections.
Investors view property issues as opportunities to create value through design, rehab, and operational efficiency.
Many realtors prefer listing distressed homes on Kurt’s marketplace rather than handling inspections and contractor coordination.
Local investors can rehab properties more efficiently and cost-effectively than distant or uninformed sellers.
There are roughly 15 million vacant homes in the U.S., presenting massive hidden inventory potential.
Despite high housing demand, new construction is at historic lows—fewer homes are being built now than in 1992.
Builders face high regulatory costs, land expenses, tariffs, labor shortages, and unpredictable demand cycles.
Government programs often inflate demand rather than addressing supply constraints in affordable housing.
Local real estate investors are critical to solving the housing crisis by repurposing vacant homes into livable inventory.
Supply-demand imbalance persists because builders can’t profitably create affordable housing in high-demand areas.
There is plenty of capital in the market, but the housing market is not clearing due to mismatches in pricing and affordability.
Out of all homes sold in the U.S., one in five is purchased by a real estate investor, the majority of whom buy fewer than 10 homes per year.
The perception that Wall Street is dominating the housing market is misleading; most activity is by small business operators.
There is strong demand for single-family rentals (SFR), especially for families who don’t want to live in apartments.
Revitalizing a few homes in neglected neighborhoods can start a chain reaction that attracts more investment and increases values.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/real-estate-investment-strategy-kurt-carlton-716

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AI is getting smarter, but are we ready? Today we deep dive into the evolution of tools like ChatGPT—from early, academic-sounding outputs to more recent capabilities that include humor, sarcasm, and nuanced storytelling. We explore how AI is rapidly improving but still faces a gap in practical, transformative use cases for the average person. The adoption curve is slow, but so it has been for past innovations like video games, the internet, and crypto. While AI is becoming more accessible, it hasn’t yet reached full mainstream integration, but it eventually will.

We discuss...

The explosion of AI interest since ChatGPT’s launch and its shift from novelty to everyday tool.
How AI is getting better at sarcasm, creativity, and sounding more human unlike early AI with bland writing and a poor grasp of humor and nuance.
The challenge of finding truly impactful AI use cases beyond convenience tools.
The tech adoption spectrum, from everyday users to coders, and how AI fits into that.
How AI follows a familiar tech adoption curve—past early adopters, not yet fully mainstream.
Comparisons between AI today and early stages of gaming, internet, or crypto adoption.
The idea that we’re still just scratching the surface of what AI can do in daily life.
ChatGPT commands the most attention, Claude comes in a distant second, and Gemini is barely on the radar.
Google is quietly testing a lead generation product (likely Local Services Ads) as a new revenue source.
AI hasn’t yet reached the point of autonomously solving problems without user guidance.
AI tools can produce mediocre output by default but become shockingly good with proper input and structure.
AI isn’t replacing jobs yet, but people who know how to use AI are replacing those who don’t.
There are viral examples of teens using AI to launch apps with multi-million dollar revenues.
The more specific the prompt, the better the AI’s output—clarity is key.
Business tasks like running scenarios, correlations, and planning can be done instantly with AI.
There’s huge potential for public-facing AI avatars to field press, lead webinars, or handle customer interactions.
Users respond well to AI when it's honest about being non-human—transparency builds trust.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/ai-is-getting-smarter-715

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Your bad estate plan is going to cost you! In today's episode, Lauren Klein, a Florida-based tax and estate planning attorney, discussed the critical components of effective estate planning. She debunks myths about revocable trusts, touches on the importance of regularly updating estate plans, and shares on the unethical financial incentives some attorneys may have to let plans fall short. We also talk the strategic use of irrevocable trusts, asset titling, and state-specific protections like Florida’s homestead laws for enhanced asset security.

We discuss...

Lauren Klein is a Florida-based tax, trust, and estate attorney who works nationally, helping clients with estate planning, probate avoidance, and tax strategies.
Probate happens when someone dies owning assets solely in their name without a beneficiary or trust.
Probate adds stress during grief and often sparks disputes—especially if there’s no clear plan or distant relatives get involved.
Family fights usually come from unresolved issues, emotional baggage, or greed. Clear planning helps prevent conflict, though it can’t always stop it.
Many assume a will or trust avoids probate, but trusts must be properly funded—assets need to be retitled into the trust or have it listed as beneficiary.
The estate planning industry is too transactional—clients get documents but little follow-up.
After a death, families often struggle to locate and transfer assets legally while grieving. It requires attorneys, paperwork, and patience.
A common myth is that revocable trusts protect assets from taxes or lawsuits. They don’t during your lifetime—but they help avoid probate and add control.
Revocable trusts shine when passing assets to kids. They can protect inheritances from divorce or lawsuits and become irrevocable (and stronger) after death.
Trusts are especially helpful for blended families and young kids. You can distribute assets in stages and add estate tax protection with proper planning.
Irrevocable trusts offer stronger protections but are more complex and better suited for high net worth or special planning needs.
Asset protection varies by state—Florida, for example, offers homestead and tenancy protections. Even how you title a car can matter.
Retirement accounts and life insurance have some protection, but it depends on the state. Listing all assets is key to building a strong estate plan.
Crypto is showing up more in estate planning. It requires special steps to protect and transfer securely.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/bad-estate-planning-lauren-klein-714

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China tariffs are causing big problems right now. Today we talk about the recent developments in U.S.-China trade relations, particularly the temporary pause in tariffs and the broader implications for investor sentiment and economic narratives. The fear over supply chain disruptions quickly faded once tariff discussions resumed—even though actual inventory issues remained unresolved. We also analyzed a new Republican tax bill, highlighting key proposals like eliminating taxes on tips and overtime, allowing deductions for car loan interest, and introducing a “MEGA account” to support education, home buying, and small business loans.

We discuss...

Trump temporarily paused tariffs on China for 90 days, reducing tensions and prompting speculation on political motives.
Despite ongoing inventory lags, public and media attention has waned following the tariff pause announcement.
People often react to headlines and political gestures without examining the actual impact or facts on the ground.
Wall Street quickly shifted from fear to optimism despite unresolved issues, illustrating emotional market swings.
Consumer sentiment has rapidly reversed from bearish to bullish, reflecting how quickly perception can change.
Buffett’s principle of being fearful when others are greedy remains relevant in today’s sentiment-driven market.
The proposed GOP tax bill includes a “No Tax on Tips” provision, widely supported as fair for service workers.
A new “MEGA Account” is proposed to help with education, small business loans, and first-time homebuyer costs.
The IRS uses audits not primarily to collect money but to scare people into compliance, as stated by an IRS official.
Low-income taxpayers are disproportionately audited due to earned income tax credit claims.
Wealthy individuals can afford legal support, making IRS audits less impactful for them compared to lower earners.
The U.S. housing market is now at its most unaffordable level in recorded history.
Mortgage rates are back to their historical average and unlikely to drop meaningfully.
The Fed's long-term involvement in mortgage-backed securities has distorted the housing market.
Interest rates remain high, and the Fed has yet to significantly cut, raising questions about the rationale for past rate cuts.

For more information, visit the show notes at https://moneytreepodcast.com/china-tariffs-are-causing-big-problems-713

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Ashley Morgan is here to share on filing for bankruptcy the right way. There has been a rising demand for bankruptcy services amid job losses and contracting challenges in the D.C. area, particularly among government contractors, and Ashley's VA based Law Practice has been doing a lot of work on these cases for both individuals and businesses. Ashley explains how bankruptcy can offer a fresh start, protect certain assets like homes or retirement accounts, and in some cases discharge tax and SBA debt. The conversation also covers the complexity of student loan discharge, the importance of asset protection and planning before filing, and misconceptions around credit damage post-bankruptcy.

We discuss...

Ashley Morgan, a bankruptcy attorney near D.C., discussed the rising demand for her services amid increasing job losses, particularly among government contractors.
The economic slowdown in the D.C. area is creating a trickle-down effect, impacting local small businesses as stable government money dries up.
Bankruptcy is a legal, court-supervised process to eliminate or restructure debt, offering individuals a fresh financial start.
The U.S. system allows broader bankruptcy relief compared to many other countries, though outcomes depend heavily on income, assets, and debt type.
Common types of bankruptcy include Chapter 7 (liquidation), Chapter 13 (repayment plan), Chapter 11 (business restructuring), and Chapter 12 (for farmers/fishermen).
Chapter 11 is often used by large businesses to renegotiate leases, restructure payments, or close unprofitable locations.
Small business owners can file Chapter 7 to shut down a business, but Chapter 11 can be cost-prohibitive for many.
Personal credit isn't always impacted by business bankruptcy unless the owner personally guaranteed business debt.
Bankruptcy doesn’t automatically ruin credit—many filers see credit scores rebound shortly after filing.
Asset protection during bankruptcy varies by state; homestead exemptions can protect homes, but limits differ widely.
Timing and transparency are critical—transferring assets before filing may trigger fraudulent conveyance issues.
Retirement accounts (e.g., 401(k)s, IRAs) are often protected and can be used strategically before filing.
Student loans are generally not dischargeable, though rare exceptions exist through adversary proceedings under "undue hardship."
SBA and certain tax debts may be dischargeable under specific conditions, like being sufficiently old and properly filed.
Ashley emphasizes the importance of early education, legal consultation, and realistic expectations about outcomes when considering bankruptcy.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/filing-for-bankruptcy-ashley-morgan-712

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This hidden bull market is actually lying in plain sight! Find out what it is today as we discuss media fear-mongering, unhelpful propaganda, Bitcoin and gold, and more. The central banks continue accumulating gold, emphasizing its historical role as a long-term store of value, and noting that despite the rise of digital assets like Bitcoin (which the U.S. now holds as a reserve), gold's cultural and material significance remains deeply embedded worldwide. Oh, and we also got a new Pope!

We discuss...

A new Pope from the U.S., Pope Leo XIV (formerly Robert Prevost of Chicago), was elected, contradicting Jim Cramer's confident prediction.
The Pope had a 1% chance in betting markets, showing how off-market odds can be and how unexpected outcomes can deliver large returns.
A widely shared headline warned that Earth will run out of oxygen, but buried in the article was the timeline—1 billion years from now.
Climate change is a hard-to-measure issue that’s often politically weaponized and based on unprovable long-term models.
Propaganda exists across all eras and agendas, including pro-America messages like those in 80s movies such as Top Gun.
Spotting propaganda and political messaging can be useful for investors trying to understand broader narratives and their market implications.
Governments often downplay crises right before they hit, and historically, such reassurances can be a red flag to start worrying.
Recognizing themes in media, like global warming or military conflicts, can help investors anticipate policy moves or market shifts.
Nuclear energy is an example of a rational solution ignored for political reasons, illustrating how policy can ignore practical options.
Wealthy investors and central banks are buying more gold, reinforcing gold's role as a long-term store of value.
Gold continues to be culturally significant and trusted across civilizations, unlike newer assets like Bitcoin.
The U.S. government has decided to hold confiscated Bitcoin as a reserve asset, further legitimizing it in financial circles.
There's growing speculation that Bitcoin could evolve into a reserve asset for central banks, similar to gold.
Banks have transitioned from resisting Bitcoin to finding ways to monetize it, suggesting institutional acceptance is rising.
Gold has significantly outpaced wage growth since 2000, reinforcing its strength as a store of value amid stagnant real income.
Crypto has displaced silver as the inflation-hedge asset of choice among younger investors, hurting silver’s narrative.
Long-term tailwinds for silver include green tech applications like solar panels and EVs, which could reignite demand.
Gold and silver miners have underperformed despite rising bullion prices, with some major miners currently unprofitable.
Mining companies face structural inefficiencies, making many poor business models despite gold’s rise.
Institutional caution, reflected in moves by figures like Warren Buffett, indicates potential market hesitancy despite retail optimism.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/hidden-bull-market-711

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Anthony Georgiades shares the future of venture capital in the age of AI. He shares his journey from an early failed startup to becoming a deeply technical investor focused on frontier technologies. He emphasizes the importance of technical literacy in venture capital, especially when evaluating deep tech. We also touch on the economic and existential risks of AI, emphasizing the need for governance, transparency, and decentralized control, while pointing to robotics as a slower-moving but ultimately transformative force in the physical economy.

We discuss...

Anthony Georgiades shared his background in business, venture capital, and a technical pivot into computer science and robotics.
A failed early startup experience drove him to gain deeper technical proficiency to better assess and build emerging technologies.
He emphasized the importance of deeply understanding deep tech and being able to speak fluently with technical founders.
Web3 use cases are becoming more real, with examples like decentralized AI inference, verifiable model outputs, and on-chain computation.
He highlighted the importance of decentralized GPU marketplaces and AI-native blockchains as potential disruptors.
Web3’s decentralized financial infrastructure enables instant, global, and permission-less access to financial instruments.
Banks remain entrenched due to regulatory, compliance, and sovereign monetary systems, despite growing disruption.
Crypto is unlikely to replace fiat overnight due to legal, infrastructure, and fractional reserve complexities.
AI is seen as the most inevitable trend, already impacting industries across the board.
The exponential development of foundation models and the importance of proprietary data are creating a winner-take-most dynamic.
Web3, though earlier in development, is viewed as more disruptive due to its potential to create new markets and rewrite institutional frameworks.
He acknowledged real short- and long-term risks with AI, including economic displacement, misinformation, and loss of control.
Existential AI risk stems from misaligned goals, where intelligent systems could pursue objectives with harmful side effects.
Open models, auditable systems, and decentralized infrastructure are key to safer AI development.
Robotics is considered the “final frontier” of disruption, especially as intelligent machines become capable of operating in the physical world.
Use cases like autonomous farming are emerging as impactful applications of robotics innovation.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/venture-capital-in-the-age-of-ai-anthony-georgiades-710

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The central banks are hoarding this asset while they wait for Trump's next move! In the meantime, Warren Buffett’s announced his official retirement and his handoff of leadership to Greg Abel. We talk Buffett’s post-2000 investment choices, the reasons he may have avoided buying Microsoft despite his close friendship with Bill Gates, and the challenges of managing massive capital. The hosts also touch on Buffett’s preference for capital-efficient, moat-heavy businesses and his indirect exposure to Microsoft through index holdings. We also discuss recent economic news, negative GDP print driven by rising inventories and reduced government spending.

We discuss...

Warren Buffett officially announced his retirement, passing leadership to Greg Abel.
Buffett’s consistent outperformance over decades, despite criticisms of his recent picks.
Buffett's size as an investor was cited as a limitation, forcing him to seek only very large investments.
The recent negative GDP print, noting concerns around economic slowdown.
Inventory buildup ahead of Trump-era tariffs artificially skewed GDP figures.
Net exports and reduced government spending are key contributors to the negative GDP number.
Consumer spending was also shown to have slowed, adding to concerns about potential recession signals.
A sharp drop in consumer spending could be a clear economic indicator of a downturn.
Business investment surged after Trump’s election due to economic optimism but has since stalled amid uncertainty
Many business owners are holding back on investment due to a lack of visibility under the current administration.
Shipping delays from China can take 30 days, meaning tariff effects won't be felt immediately but are now becoming visible.
A drop in container orders from China suggests supply chain disruptions are already underway.
The "bullwhip effect" explains how small supply chain changes can cause large swings in inventory and pricing.
Warren Buffett is still sitting on significant cash, possibly anticipating better buying opportunities amid market volatility.
A coming inventory crunch could cause inflation as demand outstrips constrained supply.
Post-COVID rebounds in same-store sales distort trend lines and may create false signals.
The official CPI of 21% over five years doesn’t align with real-world price experiences, suggesting data manipulation.
Government inflation numbers may be inaccurate or understated, leading to misguided investing decisions.
Investors should rely on personal experience and intuition—the “bullshit detector”—instead of blindly trusting official data.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/central-banks-are-hoarding-this-asset-711

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Diana Perkins shares how you can master your emotions through discipline for trading success. Her journey has taken her from a childhood fascination with finance to building a career in trading and eventually launching her own trading education business. She mentors aspiring traders and emphasizes that long-term success is overwhelmingly about emotional discipline and risk management.

We discuss...

Diana Perkins shares that she knew finance was her calling from a young age, charging her sister interest on loans at age nine.
She fell in love with trading stock options and derivatives, and mentors hundreds of aspiring traders.
Today, Diana runs her own trading education business focused on teaching new traders with an emphasis on risk management.
Most traders, particularly currency traders, tend to blow up at least one account as a "rite of passage."
Fear, greed, and mindset are much bigger factors in trading success than simply knowing technical skills.
Diana works extensively with options traders, helping them overcome the initial intimidation of options complexity.
She emphasized the importance of discipline and emotional control in trading over just understanding strategies.
Her favorite strategy when trading professionally is vertical spreads because of their limited risk and “set it and forget it” nature.
She shared that she still trades today, both in her own account and through a virtual portfolio for her stock-picking service.
Most people’s natural instincts — fear, greed, impatience — are what make trading so challenging.
Even random stock picks can perform well if trade management and discipline are handled properly.
Diana emphasizes that discipline, probability, and risk management are at the core of successful trading, not just stock picking.
It's important to focus on the amount of premium at risk rather than the number of contracts or shares controlled.
Verticals require holding to expiration to capture full profit potential since gains are capped.
Implied volatility (IV) can often cause seemingly "off" prices, particularly around earnings and major events.
Consistency over time is critical to profiting from strategies like IV trading, much like "sell in May" seasonality trades.
While AI tools can assist, she double-checks everything manually due to her auditing background and mistrust of "black box" systems.
Although past performance isn't predictive, understanding human psychology — fear and greed — can offer powerful trading insights.

Today's Panelists:

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

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This is a big move in this shiny asset! While everything else in the market is seeing big changes, gold is not different. We are also in earnings season, and major companies' reports can influence markets. Business uncertainty, especially around tariffs, has caused a dramatic slowdown in corporate spending. Forecasting has become very difficult, but there are signs of a potential recession, yet it's still important to avoid echo chambers when forming investment views.

We discuss...

Inflation has significantly raised prices at restaurants between 2020 and 2025, with breakfast items like IHOP pancakes seeing an 82% price increase.
Companies are cautious during the current earnings season, often dampening future expectations due to economic uncertainty and tariffs.
A North American manager reported that customer spending and shipping orders have frozen up worse than during COVID, threatening layoffs.
People seek confirmation of their beliefs and the danger of echo chambers in investing and life.
Successful investors should seek out contradictory evidence rather than self-confirming narratives.
Value stocks like McDonald’s and Coca-Cola have been resilient and largely unaffected by tariffs.
Investors should examine their ETFs' holdings and individual stock performance closely.
Many mega-cap tech stocks have struggled despite strong revenue growth since 2021.
A new generation of investors is facing real market pullbacks for the first time, leading to potential emotional decision-making.
Risk is always present in markets, regardless of "risk on" or "risk off" environments.
Diversification and proper risk management should be done before volatility hits, not after.
Technology stocks are especially vulnerable to liquidity tightening and reduced spending.
Global liquidity is showing signs of increasing outside the U.S., helping international markets outperform.
Recessions, though painful, are necessary for economic health and market resets.
Gold has been very strong recently, staying above its 200-day moving average.
The gold-to-silver ratio is historically high, suggesting silver is extremely undervalued relative to gold.
Proper ratio trades remove general market movement risk but require strong discipline and understanding.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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We're joined by Frances Reaves, who shares insights from her work in estate and Medicaid planning, on how to get your parents ready for long term care. Frances explains the importance of preparing for elder care before it's urgently needed, sharing her personal experience with her own parents and husband, who is currently navigating Alzheimer's care. The conversation dives into the realities of elder care, including the challenges of navigating the healthcare system, the high costs of in-home versus facility care, and the value of long-term care insurance.

We discuss...

Francis Reads is an elder law attorney specializing in estate and Medicaid planning.
She founded a service within her law firm called “Parent Your Parents” to support elder care planning.
Elder care generally begins around age 65, when Medicare becomes available.
A major challenge in elder care is systemic apathy and poor communication in facilities.
In-home care is the gold standard if money is no object, costing $12,000–$15,000 per month.
Reverse mortgages and long-term care insurance are common strategies to fund elder care.
Long-term care insurance works similarly to car insurance—ideally unused but crucial.
The cost of long-term care and facilities can quickly deplete even sizable retirement savings.
The best age to purchase long-term care insurance is between 55 and 60.
For-profit facilities are incentivized to keep patients alive, not necessarily to improve their quality of life.
If you have no one to care for you, plan ahead with long-term care insurance, savings, and legal documents like power of attorney and healthcare proxy.
People who choose to provide full-time care often risk financial ruin if long-term care plans or savings are not in place.
There’s potential to arbitrage life expectancy in financial tools like reverse mortgages or life insurance.
Many elders struggle with losing independence, especially around giving up driving.
Adult children often become parental figures to their own parents, which can create emotional strain.
Financial advisors and lawyers play a key role in spotting and preventing elder financial abuse.
Professionals should watch for signs of undue influence or financial exploitation and speak up if concerned.

Today's Panelists:

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

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Good times... Bad markets! Today we talk about recent volatility in the market, particularly in the bond market, as there is a lot of geopolitical uncertainty that are coming with Trump’s economic moves. There may be a market downturn of up to 40% and the Fed will respond most likely respond by cutting rates, a familiar cycle in which political and monetary forces intervene to stabilize markets. Ultimately, if there's a recession, we still don't need to panic, the US markets are still strong so invest accordingly!

We discuss...

Market volatility recently spiked to levels not seen since COVID, driven by geopolitical and fiscal uncertainty.
Trump’s unpredictable moves reintroduced risk into the markets, which had become too complacent.
The Fed is currently in a wait-and-see mode, which markets interpret as a lack of proactive response.
Trump criticized the Fed for not following the ECB in cutting rates, claiming it weakens U.S. competitiveness.
The podcast host believes the market can handle high rates and criticized Powell’s pre-election rate cut as political.
A continued market selloff is expected, with potential drops of 30–40% in the S&P 500 this year.
If markets decline significantly, the Fed is likely to step in and cut rates to stabilize things.
Historically, market declines have been followed by Fed intervention, which then props markets back up.
A mild recession is likely before any recovery, but the overall economy remains fundamentally strong.
Tariffs are currently painful for businesses but are viewed as a negotiation tactic rather than a permanent fixture.
Markets dislike uncertainty, and the next six months are expected to be rocky before clarity returns.
Keeping cash on hand is advised to take advantage of potential lower asset prices
Americans are generally uncomfortable with negotiation and volatility compared to the rest of the world.
Manufacturing may not fully return to the U.S., but diversification is critical for national security.
Time dilation and recency bias cause people to misjudge the permanence of current events like tariffs.
Leaders like Trump and Powell are motivated by legacy, not destruction.
A stronger dollar could hurt gold and hard assets but elevate the U.S. as the most stable economy.
Investors should routinely reassess their holdings to see if they would still buy them today.
Always identify the potential exit point for any investment to manage risk.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Dan Rasmussen returns to talk about how to invest during this global paradigm shift. Rasmussen shares how the post-2008 investment environment has shifted, with international markets now outperforming, volatility spiking, and the dollar weakening. He critiques the AI investment narrative, challenges in AI profitability, the misalignment between AI hype and real-world economic value, and the implications of rising geopolitical and market uncertainty.

We discuss...

Dan Rasmussen runs the hedge fund Verdad, focusing on microcap value, credit, and market-neutral strategies.
His new book, The Humble Investor, compiles insights from a decade of writing research notes.
How the post-2008 market was defined by low volatility, strong U.S. equity performance, and growth stock dominance.
In 2025, international markets have started outperforming U.S. equities, signaling a potential regime shift.
As AI skepticism grows, tech giants have seen declining returns due to increased capital intensity.
The profitability of AI investments remains unclear, with few killer applications and unsustainable infrastructure costs.
Chipmakers like Nvidia require enormous customer spending just to justify current valuations.
The long-term viability of AI, citing high operational costs and uncertain end-user benefits.
Rising market volatility, potentially driven by politics and the dollar, is pushing investors toward safer, lower-volatility assets.
Despite years of underperformance, international investing may be entering a comeback phase.
Google is testing a shift from a pay-per-click to a pay-per-lead ad model in select zip codes.
ChatGPT is becoming a preferred tool for research due to speed, accuracy, and reduced noise compared to Google.
The uncertainty around AI profitability makes current tech valuations speculative and potentially risky.
Potential large-scale layoffs in government and academia could ripple through the broader economy.
Shifting public-sector workers to private-sector roles is uncertain and may not offset job losses.
Despite Trump’s influence, AI is seen as a more dominant force for markets than political shifts.
Japan is highlighted as a promising international market due to undervalued stocks with fortress balance sheets.
Gold has become a favored allocation, with some portfolios holding as much as 35% due to recent strong performance.

Today's Panelists:

Megan Gorman | The Wealth Intersection
Douglas Heagren | Pro College Planners
Kirk Chisholm | Innovative Wealth

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There's a second big move in the S&P 500 and it's going to change things! Today we reflect on a historic and volatile week in the markets, highlighting dramatic swings that included 40- to 50-year extremes. We also talk investor psychology, client reactions, and the importance of focusing on long-term planning rather than daily market noise. There's also been a mystery investment that has quietly outperformed this year despite a lack of media attention so it's important to pay attention to all the trends, even the ones that aren't getting mainstream attention. We also share on Warren Buffett’s enduring success, Trump’s negotiation tactics, and how to spot overlooked opportunities by tracking what isn't crashing when everything else is.

We discuss...

A mystery investment that's performed exceptionally well in 2024 but has received zero media attention.
How under-the-radar assets often outperform when no one is paying attention.
Billionaires lost large amounts of money this year—except Warren Buffett, who gained $12.7 billion.
Charts from the previous week showed bond-related assets and corn among top performers, while energy and cannabis sectors lagged.
Some Dow stocks barely moved during the selloff—specifically Coca-Cola and McDonald’s.
We encourage investors to look for stocks that remain resilient during market downturns as potential buying opportunities.
Trump’s negotiation tactics with China are giving markets a breather while keeping pressure on.
Strength in gold miners, healthcare, and food & beverage was cited as areas to watch moving forward.
Social media sentiment is largely negative, with most companies underperforming regardless of size.
Low volatility stocks are the notable outliers, performing better than other equity factors.
Alternative assets like preferreds and hedge funds are also experiencing significant declines.
Gold is the surprise top-performing asset this year, up sharply and widely ignored by even gold enthusiasts.
Financially strong companies are likely to outperform in uncertain markets and come out stronger.
U.S. processed food is often lower quality than international versions, yet less regulated domestically.
The 200-day moving average is a key rule of thumb—nothing good tends to happen below it.
Global equity markets, particularly Europe and Latin America, remain positive year-to-date despite recent pullbacks.
European stocks may offer opportunity, but the speaker expresses skepticism over Europe’s long-term competitiveness.
The U.S. dollar is down 4% year-to-date and recently broke below its multi-year trading range.
Crypto has been mixed, with Bitcoin holding up better than Ethereum but still failing to protect during downturns.
Short-term U.S. Treasuries are a reasonable safe option, but cash in one’s own currency is the best defense.
Investors should stay cautious and avoid big risks during uncertain times, even amid major rebounds.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Beau Henderson joins us to dive into the often misunderstood world of Social Security planning. Beau highlights how only 4% of people claim their benefits in a way that maximizes lifetime value. We discuss why Social Security is so confusing: its overly complex rules, lack of personalized advice from the SSA, and the financial planning industry's limited focus on optimization due to low compensation incentives. Beau also breaks down a three-step process to make better Social Security decisions.

We discuss...

Beau Henderson worked in retirement planning for over 25 years, focusing heavily on Social Security optimization.
A mentor’s poor Social Security decision inspired Beau to dig deeper into the system and help others avoid costly mistakes.
Many people take Social Security based on incomplete or misleading advice, often lacking proper context.
The Social Security Administration cannot legally give personalized advice, which leaves many without adequate guidance.
There are over 500 possible combinations of how a household can claim Social Security benefits.
Beau breaks Social Security planning into three key steps: organize your financial picture, understand the rules for your household, and model different claiming scenarios.
Most households leave over $200,000 on the table due to suboptimal Social Security decisions.
Social Security decisions should be integrated with income distribution planning and tax strategy.
Sometimes taking benefits earlier can make sense if it supports personal goals like retiring earlier.
Many people don’t realize that the Social Security decision affects not just them but their spouse’s future as well.
Common fear about Social Security cuts are largely media-driven; legislation changes tend to happen slowly.
The worst-case scenario is likely a 20% benefit reduction, not elimination, and future generations will see more significant changes.
Up to 85% of your Social Security benefit may be taxable depending on your income level.
Proactive tax planning, like Roth conversions, can help reduce the tax burden on Social Security income.
Survivor benefits are an important yet often overlooked aspect of Social Security planning.

Today's Panelists:

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

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There is a big move coming in the S&P 500. In today's episode we dive into the recent market volatility triggered by geopolitical tensions, tariffs, and investor sentiment. We talk on the challenge of predicting markets and the importance of investing discipline, especially amid fear-driven reactions. And despite a possible short-term bounce, the market may remain in a downtrend. Tariffs also play a role in all of this so it's important to note real intent behind economic policy shifts, and how media narratives often distort the bigger picture. Learning to separate political bias from financial decision-making is key.

We discuss...

The title “Big Move in the S&P 500 is Coming” turned out to be timely despite being chosen a week in advance.
Recent market volatility was attributed to unexpected tariffs and general investor fear.
The S&P 500 remains significantly overvalued, with a current PE ratio around 34 versus a historical average of 17.
A 50% drop in the market would return valuations to historically normal levels.
Investor psychology suggests more panic-selling could happen early in the following week before a potential bounce.
Markets typically don’t move in straight lines and operate within up-and-down momentum cycles.
Conservative positioning is advised; sitting on the sidelines may be the safer play for now.
The only assets showing strength recently are crypto (Bitcoin, Ethereum), the VIX, bonds, and a few niche equities like corn and select homebuilders.
Investors should separate political views from market expectations—markets don’t move based on who's in office alone.
Hedge fund selling contributed to the rapid downturn, but circuit breakers were not triggered.
New tariffs aim to support U.S. employment and reduce reliance on China but will likely raise import prices and disrupt supply chains.
Decoupling from China is a long-term goal, but current policy actions are more blunt than strategic.
Trump’s unpredictable comments can swing markets dramatically, underscoring the need to focus on fundamentals over headlines.
The COVID-19 pandemic acted as a catalyst for the market downturn, but the market was already overheated prior to 2020.
The U.S. government may benefit from locking in lower rates on its debt, providing some relief if the economy slows
Tariffs and market volatility may lead to long-term disruptions, affecting investments like 401(k)s, as negotiations continue.
Gold is considered a secret bull market amid chaos, with institutional and government demand increasing.
Bonds are not performing as strongly as in previous market downturns, indicating ongoing challenges in fixed-income markets.
The crypto market has shown unexpected resilience despite a broader market selloff, which could be a slightly bullish indicator.
China and the US are in a trade conflict, with the US trying to counter unfair tariffs, but this may lead to shifts in global supply chains to countries like Vietnam and India.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Ladislas Maurice joins us today to discuss the benefits of global investing. He shares his experience in emerging markets, and the investing benefits of getting a second citizenships. He shared insights on identifying macro opportunities in various countries, such as Uzbekistan's stock market and Egypt's real estate deals. He emphasized diversification to manage risk and shares the benefits of second citizenships, including access, security, and generational opportunities. Today we discuss...

Ladislas Maurice shared his background in law, business, and his expat career with Nestlé before transitioning into global investing.
He has spent the last eight years traveling full-time, investing in emerging markets, real estate, and exploring residency and citizenship solutions.
Ladislas' investment approach involves spotting macro opportunities and then determining how best to play them on the ground.
The importance of diversification in emerging markets to mitigate risks and handle portfolio volatility.
How international real estate can offer residency and even citizenship benefits in some countries.
Panama as a popular residency option, especially for Americans looking to hedge political uncertainty.
The cyclical nature of Americans seeking second residencies based on political shifts in the U.S.
People should not make rash decisions but instead take a step-by-step approach to investing and relocating abroad.
The benefits of second citizenships, including travel freedom, access to opportunities, and protection against geopolitical risks.
Countries offering citizenship through investment, including Turkey, Egypt, and Caribbean nations.
Birthright citizenship in places like Mexico, Canada, and Brazil can be a strategic option for families.

Today's Panelists:

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

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Is your social security safe from DOGE? Today we talk about the big changes coming to the Social Security Administration and how (or if) they impact you! We talk about social securities origins as a safety net, its current insolvency trajectory by the early-to-mid 2030s, and the political challenges of reform. We critique the past government inaction and explores potential solutions. Don't worry, your social security won’t disappear overnight so make rational decisions rather than reacting to media-driven fear.

We discuss...

Market volatility and the significance of quarter-end movements.
Tax-loss selling at year-end can lead to market bottoms in certain assets.
Social Security was originally created as a safety net for those unable to support themselves.
A demographic imbalance is stressing Social Security’s financial stability. Without intervention, Social Security is projected to be insolvent by the early-to-mid 2030s.
Potential solutions include extending eligibility ages and adjusting benefits.
Some proposals suggest cutting administrative costs rather than benefits.
Future reforms may involve income-based benefit reductions or delayed eligibility.
The likelihood of Social Security disappearing entirely is extremely low. We advise against making rash Social Security decisions based on media fear-mongering.
Social Security planning remains a critical topic, with past loopholes removed as the government adapts to prevent system exploitation.
Previously, retirees could take Social Security early at 62, repay it later, and reset their benefits, but this strategy has been eliminated.
The decision to take Social Security early or delay it depends on individual financial needs and life expectancy.
Break-even analysis suggests waiting until full retirement age (67) can be beneficial for those with longer life expectancy.
Raising the full retirement age to 70 could extend Social Security solvency by billions of dollars.
Adjustments to cost-of-living calculations have historically been used to slow benefit inflation and extend program viability.
The current Social Security payroll tax cap of $160,000 could be raised or removed to increase funding.
Increasing payroll tax rates slightly could help stabilize the program’s finances.
Social Security has one of the lowest administrative costs among government programs, with about 99% of funds going directly to benefits.
Historical tax changes under Reagan and Clinton increased Social Security taxation thresholds, and further increases remain possible.
Legislative changes to Social Security, including benefit reductions or age increases, can happen quickly with little warning.
Market volatility continues to be a major concern, with seasonal patterns and large equity inflows despite broader uncertainty.
Investors should be cautious of overpaying for stocks with declining growth while seeking undervalued opportunities.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/social-security-safe-from-doge-699

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Shelby McFaddin is here to discuss investment management for your portfolio in 2025's volatile stock market. Shelby discusses her time at Motley Fool Asset Management and shares her journey from studying economics and international affairs to working in private and public equity before transitioning to her current role. She shared insights on her investment strategy, highlights the challenges of stock picking in today's market, and emphasizes the importance of quality over chasing trends. She also talks the impact of macroeconomic factors, inflation, and interest rates on investing, and the housing market’s unexpected resilience.

We discuss...

Shelby McFaddin shared her background in economics and international affairs, detailing her transition from institutional asset management to stock picking at Motley Fool Asset Management.
She focuses on retail and consumer-exposed stocks, driven by her interest in human behavior and its impact on economic trends.
Shelby follows a "growth at a reasonable price" (GARP) approach, balancing valuation considerations with growth potential.
She highlights the difficulty of value investing in recent decades and how she evaluates opportunities by comparing industry peers rather than relying solely on historical valuations.
Dividend-paying and shareholder-friendly companies play a role in her strategy, particularly those with strong cash flows and capital return policies.
Inflation is expected to remain elevated and interest rates to stay higher for longer, shaping her investment outlook.
The paradox of the housing market, where high interest rates have not lowered home prices but instead frozen supply and affordability.
The Fed’s role in the economy may require more government intervention than people expect.
AI is being integrated into business operations to streamline processes and increase efficiency.
Investors are becoming more discerning about companies delivering on cloud and data center promises.
The market punishes companies for missing expectations but not as severely as before.
The concentration of stock market gains in a few companies raises concerns about broader growth.
Lack of analyst coverage and institutional interest limits small-cap stock visibility.
Investors are looking for companies that can efficiently allocate capital expenditures.
The lack of movement in small-cap stocks is attributed to systemic rather than company-specific issues.
Retail and institutional investors struggle to justify small-cap exposure due to risk and liquidity concerns.

Today's Panelists:

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

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There are some overvaluation in these stocks that may shock you! Today we discuss concerns over the stock market's high valuations, with a historical P/E ratio of around 17 now sitting at roughly 35, indicating extreme overvaluation comparable to the tech bubble. There is a risk of a potential 50% market correction and those who have only experienced rising markets, may be unprepared for downturns. We talk about the importance of hedging, reassessing portfolios, and understanding that economic conditions, stock markets, and politics do not always align.

We discuss...

Current market valuations, with the P/E ratio at historically high levels near 35. A 50% stock market decline would bring valuations back to historical averages.
Many investors are overly reliant on continued market growth.
Differentiating between politics, the economy, and the stock market, and avoiding emotional investing.
Institutional investors shifting into safer assets like short-term treasuries. Highlighted increasing institutional interest in private credit and alternative investments.
Investors with capital are preparing opportunistically rather than out of fear, ensuring flexibility to take advantage of market shifts.
The US market has dominated for two decades, but historical trends suggest international markets could rotate into favor.
European markets have performed exceptionally well this year, with countries like Germany, Spain, and the UK posting double-digit gains.
US-centric investing is common, but diversification into international markets is crucial for risk management.
The US market is currently underperforming, with the S&P 500 down approximately 8-10% year-to-date.
Emerging markets, including India, Mexico, and parts of Africa, are experiencing significant GDP growth.
Investors should be cautious with emerging markets due to political instability and economic volatility.
A potential 30-40% market correction in the next two years raises concerns about finding safe investment havens.
Bonds may not provide the usual refuge if yields and prices continue their current trends.
Stagflation could create an unpredictable economic environment, similar to the confusion of the 1970s.
The shift from US to international investing remains an ongoing trend, with Europe currently showing strong performance.
People often fail to understand market dynamics, where news-driven price movements often lead to selling once the news is out.
The U.S. government has declared Bitcoin and other cryptocurrencies as a strategic reserve but says it won't sell them unless necessary.
Markets are unpredictable, with current patterns possibly indicating a topping phase, signaling potential future downturns.
The job market shows signs of weakening, with decreasing job openings and increasing layoffs, which could indicate economic challenges ahead.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/overvaluation-in-these-stocks-697

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

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

Today's Panelists:

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

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

We discuss...

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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Kate McAndrew shares her experience with venture capital AI and how it is disrupting the industy. She also talks about unconventional journey into venture capital, from studying art history at McGill to running an accelerator in the Southeast before moving to San Francisco and co-founding Baukunst, a $100M fund focused on pre-seed investments. Kate discusses the venture capital cycle, the advantages of investing at the earliest stages, and the high-risk, high-reward nature of her approach.

We discuss...

Kate McAndrew shares her unconventional journey into venture capital, starting with an art history degree and entrepreneurial ventures.
She explains the venture capital cycle, highlighting her focus on the earliest stages of company building.
The fund emphasizes technology and design-driven innovation over pure tech solutions.
Kate believes strong businesses with real enterprise value naturally find successful exits.
She describes how her firm supports founders through recruiting, product strategy, and board participation.
Kate argues that despite industry changes, great businesses are always built by great founders.
Mega venture capital funds now dominate the market, reshaping valuations and the early-stage funding landscape.
Top talent will always attract capital, and fund managers must focus on identifying exceptional companies rather than investing in every deal.
The venture capital model prioritizes upside potential over downside protection, unlike private equity.
The AI investment landscape is shifting from infrastructure to application-layer innovations.
AI is becoming an essential part of all new technology companies, much like mobile technology once did.
AI adoption may take longer than expected due to human behavioral factors and trust issues.
SEO and traditional search-based marketing may become obsolete as AI-generated responses improve.
AI is moving toward full automation of specialized white-collar jobs, raising concerns about economic and societal impacts.
Some in Silicon Valley are focused on ensuring AI development aligns with ethical and environmental responsibility.
While AI will disrupt many industries, human connection and purpose-driven work will remain valuable.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/venture-capital-ai-trends-kate-mcandrew-694

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Will Warren Buffett's Predictions come true? We'll find out as today, the discussion centers around frustrations with the U.S. healthcare system, how longevity and health tie into financial planning and financial planning complexities with all the current economic unpredictability. The U.S. government has also officially designated confiscated Bitcoin as a strategic reserves and we're also still in the midst of a national debt crisis. We also talk government inefficiencies, policy changes, and interest rates.

We discuss...

Health insurance is frustrating due to high premiums and out-of-pocket costs before coverage kicks in.
The system feels broken, requiring significant payments just for the right to pay more before benefits apply.
Healthcare plans often don't cover preventive care, like vitamins or quarterly blood tests, which could reduce long-term costs.
A comparison to homeowners insurance highlights the absurdity of paying for minor expenses while also paying for coverage.
One speaker's insurance costs dropped dramatically when switching from an exchange plan to a corporate-sponsored plan.
Life insurance companies conduct more thorough health tests than standard healthcare providers, which seems counterintuitive.
Basic, cost-effective tests like fasting glucose are often omitted due to insurance cost-cutting measures.
Health metrics are based on shifting averages rather than optimal health standards, normalizing unhealthy ranges.
Society adjusts standards to accommodate unhealthy lifestyles rather than incentivizing better health.
A personal “year of health” initiative focuses on longevity rather than growth, emphasizing balance, flexibility, and endurance.
Longevity experts suggest lifestyle changes that promote long-term well-being, rather than just immediate fitness gains.
The healthcare system prioritizes treatment over prevention, even when prevention could save costs in the long run.
Financial planning must evolve to account for longer life expectancies, requiring strategies to ensure money lasts.
Advances in longevity science could fundamentally change the healthcare system and financial planning.
Future health innovations may extend life expectancy, raising questions about economic and social impacts.
Bill Perkins' book Die With Zero promotes the idea of optimizing life experiences rather than leaving wealth behind.
Planning to die with nothing is difficult due to unpredictable lifespan and financial variables.
Financial planning must account for changing tax rates, inflation, market crashes, and policy shifts.
Predictions in finance, like oil prices, are often inaccurate due to uncontrollable external factors.
Financial plans become obsolete quickly and require constant updates.
Guardrails in financial planning help maintain spending levels within a safe range.
The U.S. has officially designated confiscated Bitcoin as a strategic reserve.
The government is not selling or acquiring more Bitcoin but is holding existing assets.
Strategic reserves, including oil, have historically been mismanaged for political purposes.
Concerns exist that a Bitcoin reserve could be manipulated for political gain.
The U.S. dollar’s status as the world’s reserve currency could be impacted by legitimizing Bitcoin.
The Mar-a-Lago Accords propose restructuring U.S. debt by issuing long-term, zero-interest bonds to allies.
The U.S. debt is growing at an unsustainable rate, adding a trillion dollars every 90 days.
Innovative financial solutions are needed to address mounting national debt.
The idea of eliminating daylight savings time is seen as a common-sense policy change.
A previous initiative allowed the public to propose policy ideas to the government.
The cost of producing pennies has exceeded their face value, raising questions about their necessity.
Past shifts from silver to cheaper metals in coinage reflect economic adjustments over time.
Lowering interest rates could help mitigate debt burdens more than it would impact the housing market.
The U.S. missed opportunities to issue long-term, low-interest debt when rates were near zero.
International stocks are outperforming U.S. stocks year-to-date, with emerging market Europe leading at 16.9% gains.
The U.S. market is down 2%, marking a rare period of underperformance compared to global markets.
Technology stocks are underperforming, with the Nasdaq in correction territory, down over 10%.
Healthcare stocks are among the best performers, reflecting a rotation into defensive sectors.
Investors are showing a flight to quality, favoring large-cap, dividend-paying companies.
Market rotations between value and growth stocks continue as economic concerns persist.
Smaller-cap U.S. stocks remain weak, continuing their underperformance.
The DAX has quietly posted strong gains of around 10-12% this year, contrasting with the U.S. market’s struggles.
Despite current declines, the overall market is still in a relatively stable range, with volatility expected but not severe downturns.
Experts anticipate a flat market year with moderate fluctuations rather than extreme moves up or down.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Gord Neal, CEO of World Copper, joins us to talk about the future of copper! Gord shares his extensive experience and background in mining commodities. He emphasized copper's crucial role in the transition to clean energy, particularly for electric vehicles, power grids, and renewable energy infrastructure. Gord also talks about the potential impact of the new U.S. administration on mining policies, and how regulatory streamlining could accelerate domestic production and strengthen U.S. energy security.

We discuss...

Gord Neal, CEO of World Copper, has 25 years of experience in mining, specializing in metals like gold, silver, copper, and uranium.
He was a founder of Mag Silver, growing it from a $50M to a $2.5B market cap company, and led New Pacific Metals to a $1.2B valuation.
Copper is critical for the transition from fossil fuels to electric energy, as EVs and grid upgrades require significantly more copper than traditional vehicles and infrastructure.
The supply of copper is insufficient to meet the demand for 2030 and 2050 energy transition goals, requiring urgent increases in mining output.
Nuclear power is essential to meeting global energy needs, as wind and solar alone cannot provide sufficient or reliable power.
Copper remains the preferred metal for electrical applications due to its conductivity, durability, and cost-effectiveness compared to alternatives like silver.
The global copper deficit is around 100M tons, with new mining projects facing long lead times and high costs.
The U.S. needs to accelerate mining permits, particularly in copper-rich states like Arizona, to secure domestic supply.
The new Trump administration is expected to push for more mining and energy independence, potentially speeding up federal land permitting.
Copper demand is rising due to the shift toward electrification, requiring more wiring for vehicles and energy grids.
The U.S. power grid requires significant upgrades to support an electric vehicle transition, necessitating vast amounts of copper.
The slow progress in energy grid modernization is due to high costs, bureaucratic red tape, and lack of large-scale energy storage solutions.
Political and regulatory challenges impact the speed at which mining projects and energy infrastructure can develop.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/the-future-of-copper-gordan-neal-692

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Today we discuss Buffett's final letter as his recent shareholder letter has just released. We talk about Buffett Indicator’s warning of market overvaluation, and Berkshire Hathaway’s rising cash reserves as a sign of potential caution in the markets. We also share on the increasing prevalence of subscription-based business models, frustrations over companies charging both upfront and recurring fees for services and the decline in customer service quality.

We discuss...

Big tech companies like Google have transitioned from offering free services to charging for storage and other features.
Some businesses push ineffective customer service to frustrate users into giving up on disputes.
AI-driven customer service is currently ineffective but may be the only long-term solution.
The Buffett Indicator suggests the stock market is highly overvalued.
Berkshire Hathaway’s cash holdings are at their highest level in decades, signaling Buffett's cautious stance.
Buffett has been selling off major holdings like Apple and Bank of America.
An imminent crash isn't certain, but current valuations suggest a major correction could happen eventually.
The new administration brings uncertainties, disruptions, and a mix of good and bad outcomes.
Markets remain expensive, even with a potential 30% drop, which would still not bring valuations to historical lows.
Unlike past bubbles in tech (2000) and housing (2008), current market conditions do not show excessive leverage or structural financial weaknesses.
The markets may stay flat for several years as a form of correction rather than experiencing a sharp crash.
Warren Buffett’s long-term strategy emphasizes holding cash to remain opportunistic rather than out of fear.
Market volatility is increasing, particularly in crypto, but recent overall movements remain relatively mild.
Investors should recognize that percentage declines translate into significant dollar losses as portfolios grow.
Buffett’s Berkshire Hathaway has maintained strong financial performance, particularly in insurance, despite market challenges.
Buffett's past standards for measuring success (10-year rolling average) are no longer being met, raising questions about future performance.
While historically successful, Buffett’s recent decisions and investment strategy face growing hurdles.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/buffetts-final-letter-691

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Thomas J. Cryan joins us to discuss his new book Disrupting Taxes. He highlights how tariffs historically served as the primary source of U.S. federal revenue until the Civil War, after which income taxes took over. He criticizes the current tax system for its heavy reliance on individual salaries and argued for a more efficient, technology-driven approach. We also touch on the national debt, the need for a balanced budget, and concerns about government spending. Thomas advocates for a system that automatically adjusts tax rates to match expenditures.

We discuss...

Thomas J. Cryan shares his background as a writer, attorney, and entrepreneur with a focus on law and economics.
Cryan discusses his book Disrupting Taxes, inspired by the upcoming expiration of the Tax Cuts and Jobs Act in 2025.
The conversation shifts to the historical role of tariffs, particularly how they funded the U.S. government for its first 70 years.
The current tax system disproportionately burdens individuals, with 90% of federal revenue coming from salaries and income.
Cryan critiques the self-declaratory nature of income tax, arguing it leads to inefficiencies and inequities.
He proposes a 1% automated banking transaction tax to replace income tax and eliminate the IRS.
This system would tax all banking transactions equally, spreading the burden more fairly across the economy.
A proposed tax system would implement a flat 2% transaction tax, significantly lower than current income tax rates.
Government transactions would also be taxed, eliminating loopholes and ensuring transparency in spending versus tax collection.
While the system removes the IRS in its current form, some technological oversight would still be needed for enforcement.
Low tax rates could discourage avoidance, as the effort to evade 1% taxation may not be worth the hassle.
The U.S. tax system must consider global competition to remain economically viable.
Tariffs can be an economic tool but may create global trade imbalances and diplomatic tensions.
A technology-driven transaction tax system could increase efficiency and fairness over time.
Free market principles suggest that supply and demand will eventually create equilibrium despite policy shifts.
State and local governments operate under different tax systems, creating challenges in integrating federal tax changes.
Broadening the tax base at all levels could lead to lower rates and a fairer system overall.
States with high income taxes may consider adopting transaction-based taxation models.

For more information, visit the show notes at https://moneytreepodcast.com/disrupting-taxes-thomas-j-cryan-690

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Jeff Hulett | Finance Revamp

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There have been some extreme overvaluations in this market and we are here to discuss them! Today we take a deep dive on market valuations and the relativity of valuation metrics, making sure you avoid the simplistic comparisons. We also examine market sentiment, noting the unusual dynamic of bearish sentiment despite record highs, and highlighted risks such as market concentration in major tech firms and declining free cash flows. We also talk about whether AI investments are currently yielding meaningful returns and exploring the broader implications for equity markets.

We discuss:

The stock market valuations and their relative meaning.
How comparing valuation metrics across different companies and countries requires careful consideration.
High-growth companies can justify higher price-to-earnings (PE) ratios.
Misusing metrics or using the wrong comparisons can lead to poor investment decisions.
Market sentiment is currently bearish despite record-high stock prices.
Diversification and risk management strategies can help investors navigate uncertainty.
Some analysts question whether AI investments are currently yielding profitable returns.
Free cash flow declines across the S&P 500 could impact market stability.
US market resilience and innovation could still provide competitive investment opportunities despite global shifts.
Potential policy changes could pressure the US dollar and influence international economic positioning.
High valuations, market concentration, and potential free cash flow challenges suggest investors should exercise caution.
Historic S&P 500 returns have been inconsistent, with long-term averages fluctuating significantly over different time periods.
Omission of key historical data, such as the 1980s in certain charts, highlights potential biases in market analysis.
Investors should focus on diversification, liquidity, and value-driven strategies to navigate potential market corrections.
The S&P 500 is currently 72% above its long-term trend line, a historically high level.
Market history suggests a strong correlation between extreme overvaluation and major pullbacks.
Many investors make emotional decisions rather than objectively adapting to new data.
Legendary investors like Warren Buffett hold cash and wait for market corrections to deploy capital.
Market sentiment is highly bearish, but history shows markets can stay irrational longer than expected.
Avoiding the worst market days has historically been more impactful than catching the best ones.

For more information, visit the show notes at https://moneytreepodcast.com/extreme-overvaluations-689

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Charles Goodwin is here to talk about how to broaden your investment portfolio with fix and flip real estate. Charles discusses how he transitioned into real estate investing and acquired around 50 single-family homes. He shares insights on the current real estate market, skepticism about lower rates, and predicts a slow grind towards affordability.

Today we discuss...

Charles Goodwin shares his background in finance, tech sales, and real estate lending, now serving as VP of Sales overseeing $6.5 billion in loan origination.
He started investing in real estate after seeing family success and recognizing its potential as a wealth-building tool.
The real estate market remains highly unaffordable, and Charles expects a slow grind with flat prices due to interest rates and supply constraints.
The "lock-in effect" has kept inventory tight, as homeowners hesitate to sell and trade low mortgage rates for higher ones.
Without a major economic event, he expects home sales to recover slowly over a five-year period rather than a quick turnaround.
Mortgage rates remain high, driven by inflation expectations and bond market movements, with no return to 3-4% rates likely.
The bond market's recent divergence from Fed policy shows that long-term rates can rise despite Fed cuts, affecting mortgage affordability.
Fix-and-flip and rehab opportunities vary by region, with stronger markets in the Midwest and Sunbelt states, while Florida and Texas face challenges.
Midwest markets like Cincinnati and Indianapolis offer better affordability, making them attractive for both flipping and rentals.
Private lending has gained traction as banks and credit unions have pulled back, fueling continued investor activity.
Charles remains cautiously optimistic, emphasizing that real estate cycles take time and affordability is the key factor shaping future trends.

For more information, visit the show notes at https://moneytreepodcast.com/fix-and-flip-real-estate-charles-goodwin-688

Today's Panelists:

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

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The Mar-a-Lago Accord could shake up the world economy. We also chat about resource efficiency, economic trends, geopolitical shifts, and the evolving global financial landscape. The Mar-a-Lago Accord, while still speculative, could reshape global markets, reinforcing the U.S.'s role in international finance and policy.

Today we discuss...

The high costs and artificial inflation surrounding Valentine's Day purchases.
Wastefulness in modern consumerism, including the disposal of returned goods by major retailers.
3D printing as a less wasteful manufacturing process and its potential future applications.
Future trends in housing, particularly the shift towards smaller, more efficient homes.
How real estate may adapt to generational preferences and economic shifts.
A deep dive into the rumored "Mar-a-Lago Accord" and its potential impact on world economics.
The Mar-a-Lago Accord includes three key elements: tariffs, a sovereign wealth fund, and a restructured security agreement.
Tariffs serve as leverage in international negotiations and a means of raising government revenue.
There are concerns about government involvement in private businesses through mechanisms like tax credits in exchange for equity.
Countries refusing the debt swap or security commitments could face tariffs as retaliation.
The restructuring plan could reduce U.S. debt, offset obligations through government-owned assets, and reshape global financial policies.
Forced foreign investment in U.S. debt could strengthen American geopolitical influence.
There will inevitably be economic "losers" in the process, though proponents argue everyday Americans would benefit.
The Trump administration's approach is praised as innovative and disruptive, challenging the traditional financial system.
The U.S. dollar has remained historically strong, posing challenges for exports and contributing to debt issues.
The Mar-a-Lago Accord is seen as an attempt at economic reform but carries risks similar to past strategies.
Generational shifts in political leadership are suggested, with a call for younger leaders to replace aging politicians.
Social Security is highlighted as an outdated system that needs reform, particularly regarding taxation of benefits.
The Mar-a-Lago Accord is seen as a potential path to balancing the budget by restructuring debt and reducing interest payments.
Market valuations remain high with uncertainty about future economic policies, leading to cautious optimism.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/mar-a-lago-accord

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

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

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

Today we discuss...

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

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

Today's Panelists:

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

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

Today we discuss...

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

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

Today's Panelists:

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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

Today we discuss...

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

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

Today's Panelists:

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

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Today we ask a burning question: is Donald Trump inflationary? We dive into the economic implications of Trump's policies, emphasizing their inflationary and deflationary effects. These measures could impact GDP, unemployment, wages, and inflation. We also explore the challenges of rising costs in basic necessities like food, transportation, and utilities, alongside broader concerns about the stock market's bullishness, potential corrections, and the need for sustainable economic growth. We also talk the commodity trends like coffee and the stock market's relationship to the Chinese calendar.

We discuss...

Trump's proposed policies—tax cuts, tariffs, government spending cuts, and border closures.
Tax cuts and tariffs are inflationary, with tariffs passing costs to consumers and raising the price of goods.
Border closures may increase food and low-wage labor costs, adding further inflationary pressure.
Federal Reserve policy, including recent rate cuts, adds inflationary pressures, but further interest rate hikes may be necessary to control it.
Essentials like car insurance, gas, and rent have significantly outpaced reported CPI inflation rates, putting pressure on everyday budgets.
Addressing long-term inflation may require sustained economic growth, though achieving this remains a significant challenge.
Inflation is impacting both dining out and eating at home, with rising costs creating financial challenges for consumers and restaurants alike.
Billionaires prioritize keeping money in appreciating assets, contrasting with the "millionaire next door" approach of debt elimination.
Trump coins and similar meme coins illustrate the rise of community-based cryptocurrencies, driven more by social networks than inherent value.
Distrust in media, political institutions, and "gatekeepers of truth" underscores a growing reliance on decentralized, market-driven decision-making.
Free markets naturally balance supply and demand, with pricing mechanisms reflecting societal values and priorities.
Widespread skepticism of information sources reflects a societal shift toward questioning traditional authorities and media.
Policies against nuclear energy inadvertently push reliance on coal to fill energy gaps, undermining efforts for a cleaner planet.
The high cost of living in many U.S. states underscores the need for affordable energy to alleviate economic pressures on households.
Economic inequalities persist, with credit card defaults rising and inflation impacting household spending, particularly in transportation, housing, and food.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/is-donald-trump-inflationary-681

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Eric Crittenden is here to share the investing strategies for all weather! No matter what the situation is, you should be prepared to invest your money wisely. Eric shares insights on blending equities, bonds, and systematic global macro strategies like trend-following to navigate volatile markets, emphasizing the importance of managing downside risk and incorporating uncorrelated assets. We also reflect on macroeconomic trends, and compare today’s inflationary pressures to the 1970s, expressing skepticism about inflation being fully contained and stressing the value of systematic investing over reliance on media narratives or short-term predictions. Today we discuss... Eric Crittenden, CIO at Standpoint Asset Management, specializes in "all-weather investing," combining hedge fund styles and traditional assets for stable returns in all market conditions. Eric's career began after transitioning from meteorology and public health studies to finance, spurred by a fascination with dynamic systems and risk management. He highlights the importance of managing downside risk and diversification, especially during challenging periods like the stagflation of the 1970s. Crittenden cautions against high-fee hedge fund structures, advocating for in-house, low-cost implementation of trend-following strategies. Gold, short-term fixed income, and systematic macro strategies are recommended for navigating inflationary and stagflationary periods. Rather than relying on narratives, Crittenden employs a systematic, data-focused method to identify global trends using daily updates from international futures exchanges. Current economic conditions are compared to historical eras like the 1970s, the Great Depression, and early 2000s, predicting major challenges in the next 10–15 years. Inflation could resurface due to supply chain disruptions, reindustrialization, or unexpected events rather than monetary policy alone. Decoupling from China and reindustrialization in North America are significant but costly, long-term efforts requiring high capital expenditure. Predicting economic shifts remains challenging as market shocks often come from unforeseen factors. Reindustrialization and reshoring initiatives face efficiency and scale challenges, particularly when transitioning manufacturing from China to smaller nations like Mexico or Vietnam. The U.S. benefits from unparalleled geographic advantages, which foster economic resilience and attract global talent. Technological shifts like AI and crypto are reminiscent of the early internet, with a mix of revolutionary potential and speculative overreach. Governments may challenge crypto through taxation or legal constraints, highlighting the importance of considering geopolitical risks in such investments. Long-term capital stewardship prioritizes sustainable growth, stability, and client trust over speculative gains or first-mover risks. For more information, visit the show notes at https://moneytreepodcast.com/investing-strategies-eric-crittenden-680

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The two handed economist has a surprise prediction! Today we cover a wide range of topics such as market movements and our perceptions of the current economic and political climate. We talk our current leadership, particularly criticizing Gavin Newsom's handling of California's challenges, including wildfires and insurance issues. We also talk economic frameworks, including the effects of inflation and deflation on purchasing power. Today we discuss...

The growing popularity of pickleball and its origins, along with its appeal to older demographics.
Effective leadership styles by referencing Steve Jobs and Joe Rogan as examples of accountability.
The systemic issues with inflation, focusing on how purchasing power declines over time due to currency devaluation.
Bitcoin, gold, and real estate to illustrate inflationary trends and their impact on perceived asset values.
Encouraging viewers to adopt a long-term perspective on financial decisions, taking into account the erosion of currency value.
The Federal Reserve's policies aim to reduce volatility, making economic decision-making easier, albeit at the cost of consistent inflation eroding purchasing power.
Cash outperforms in market crashes as its purchasing power increases, enabling investors to acquire discounted assets.
The current market, based on metrics like the Schiller CAPE ratio, remains historically overvalued, raising caution for future corrections.
Even if the market drops by half, it would still be expensive, suggesting a significant correction is required for reasonable valuations.
A large flow of money into indexes has contributed to elevated valuations, pushing prices higher even beyond practical expectations.
Since a significant amount of money continues to flow into the market each year, it's difficult to predict when a true market collapse might happen.
The current market behavior shows that it could rise even further than expected, despite economic uncertainty.
Even in extreme scenarios like COVID, when the global economy shut down, the market showed resilience, defying expectations of a larger crash.

For more information, visit the show notes at https://moneytreepodcast.com/surprise-prediction-679

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Pro College Planners

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Renan Devillieres discusses the currect techological revolution in manufacturing! This revolution is caused by geopolitical shifts and technological advancements, but also brings the challenges of decoupling from China, the pressing need for new factories and energy infrastructure, and the trade-offs of reshoring and more! Renan also shared insights into the role of AI-powered tools, autonomous roots, and emerging materials in shaping modern manufacturing.

Today we discuss...

Manufacturing is undergoing an unprecedented pace of change due to aging populations, geopolitical tensions, and technological advances.
Decoupling from China is driving a reshoring trend in the West, with significant investments in factories and supply chains.
Energy infrastructure is a critical bottleneck, with advancements in small nuclear reactors and decentralized grids emerging as key solutions.
The shift toward high-utilization products, like self-driving cars and multifunctional smartphones, is reshaping manufacturing priorities.
Reshoring and decoupling come with trade-offs, including inflation and societal adjustments, as countries aim for self-sufficiency.
AI and manufacturing depend heavily on energy availability, with Silicon Valley now embracing nuclear power as a vital resource.
Simulation software enables precise virtual modeling of production processes, reducing reliance on physical tests.
Advancements in 3D printing improve resolution and applications, but material limitations prevent it from replacing traditional manufacturing processes.
Talent shortages, particularly in mechanical engineering and manufacturing expertise, hinder progress in industrial innovation.
Rebuilding localized supply chains, such as Tesla's vertical integration, is essential for reducing reliance on international dependencies.
Bridging the gap between R&D and production in pharmaceuticals could drastically reduce costs and timelines.
Healthier food systems face challenges from industrialized production, affordability concerns, and systemic quality issues.
Consumer demand for healthier food is gradually increasing, signaling potential shifts in market dynamics.
The food sector’s transformation may be catalyzed by breakthroughs, scandals, or evolving consumer preferences.

For more information, visit the show notes at https://moneytreepodcast.com/technological-revolution-in-manufacturing-renan-devillieres-678

Today's Panelists:

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

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Ready for inflation predictions? We discuss the places inflation could strike again in 2025. We also talk economic trends, inflationary patterns, and government spending's role in the economy. We also share the policy implications under different administrations, and how they will impact us going forward. Today we discuss...

Reflection on broader U.S. economic issues, such as government spending and budgetary challenges.
Analysis of past inflation cycles and comparisons to current monetary policy efforts.
Speculation on future economic strategies and challenges in addressing discretionary spending.
Younger generations often assume they won't receive Social Security benefits due to government mismanagement and financial instability.
Reducing government spending could have deflationary effects by removing a significant portion of GDP, potentially causing recessions.
Tax cuts are generally inflationary as they increase disposable income, but public dissatisfaction with perceived government waste limits willingness to pay higher taxes.
Immigration impacts economic growth by providing cheap labor, but eliminating low-wage workers could lead to higher food costs and inflation.
Energy abundance, particularly through nuclear power, is highlighted as a critical factor for economic growth and poverty alleviation.
Analysts remain cautious about the economy's direction, advocating for managed investment risk and avoiding "all-in" strategies amidst uncertainty.
Nuclear energy is resisted due to public concerns (e.g., NIMBY sentiment) despite its potential as a clean energy source.
Rising energy costs directly impact household budgets, inflating expenses for housing, insurance, and transportation.
Economic inflation has made $100,000—a salary once considered wealthy—barely sufficient to meet the average American household's annual expenses.
Housing affordability challenges persist as property taxes and insurance costs outpace wages, undermining traditional financial planning strategies.
Perceptions of climate change vary widely, with debates centering on human versus natural causes and the effectiveness of governmental policies.
Conspiracy theories about disasters like wildfires gain traction amid frustrations with government responses and insurance industry practices.
A significant portion of U.S. income inequality debates focus on the disparity between being "rich" (high income) versus "wealthy" (high net worth).

For more information, visit the show notes at https://moneytreepodcast.com/inflation-predictions-677

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Economist Bob Frick joins us to talk about how the housing crisis and inflation and how they have become barriers to the American Dream. Bob draws from his unique background as a financial journalist and behavioral economist to address topics such as labor market dynamics, credit card debt, and more. Bob emphasizes the critical shortage of housing and potential economic impacts of policy changes, and their possible inflationary effects. We also talk about the interplay between economic growth, housing supply, and affordability.

We discuss...

Bob Frick shares his background as a financial journalist and behavioral economist, focusing on consumer issues like housing, cars, loans, and credit cards.
Potential inflationary effects of policy changes, including tariffs, deportations, and reductions in legal immigration.
Wage inflation, which has risen since the pandemic but struggles to outpace the cumulative effects of high inflation.
Credit card debt trends, including rising balances and late payments, with potential stabilization observed in recent months.
The lack of affordable starter homes, with rising median homeownership ages and unaffordable prices for younger buyers.
How post-COVID low mortgage rates drove demand, compounding pre-existing housing shortages and resulting in skyrocketing home prices.
Current housing market sales are only a quarter of pre-COVID levels, reflecting affordability and inventory issues.
Low-interest mortgage rates from previous years contribute to a "lock-in" effect, discouraging homeowners from moving.
Builders and flippers have reduced activity, with fewer properties meeting profitability thresholds.
Inflation and rising mortgage rates exacerbate affordability challenges, especially for lower-income households.
Labor market conditions remain strong but are often misinterpreted due to volatile reporting and outdated measurement methods.
Economic forecasts are inherently unreliable, influenced by cognitive biases and behavioral tendencies toward belief in prediction.

For more information, visit the show notes at https://moneytreepodcast.com/housing-crisis-and-inflation-bob-frick-676

Today's Panelists:

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

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Get ready to invest because today we have your 2025 stock market predictions! Today we talk about how market predictions are typically futile due to the unpredictable nature of financial markets. We explore the trends of 2024, including the standout performers like Nvidia and Bitcoin, but don't assume that means they'll be the winners this year. We also talk active vs. passive management and investing strategies while addressing systemic issues in modern financial markets. Today we discuss...

Annual tradition of financial predictions, and their inherent uncertainty.
Recap of 2024's top-performing stocks and commodities, as well as the underperformers.
Discussion on the pitfalls of market predictions and human tendencies to forecast the future.
Critique of over-reliance on index investing and its long-term implications for market efficiency and corporate accountability.
Free markets are beneficial but pose dangers to those unprepared, with current markets heavily influenced by Federal Reserve interventions.
The stock market is bolstered by government actions and large institutional players, creating artificial market stability.
Warren Buffett’s underperformance in recent decades is attributed to deviating from his investment principles and managing too much capital.
Global markets show mixed trends: Japan is recovering after a long bear market, while European and value stocks remain stagnant.
Crypto adoption is growing, supported by corporate treasury strategies, with Bitcoin gaining popularity despite speculative concerns.
Meme coins and other speculative assets occasionally deliver massive returns, but their long-term viability remains uncertain.
Cryptocurrency markets showed extreme volatility, with some coins seeing significant gains since the election, while others exhibit questionable valuations.
Oil prices have rebounded after a lackluster start to the year, with late-year momentum contributing to recent gains.
The S&P 500 has grown modestly by 3% since the election, while gold prices have declined by 3.9%.
Risks to global markets in 2025 include tariffs, Nvidia earnings volatility, a reaccelerating U.S. economy, and persistent inflation concerns.
Predictions for U.S. recession in 2025 are mixed, with some indicators suggesting low probability despite ongoing uncertainties.
The 2025 market landscape will likely feature conflicting bullish and bearish indicators, complicating clear directional forecasts.
A recurring theme emerged: there are no inherently good or bad stocks, only good or bad prices depending on market conditions.
Disclaimers emphasized that past performance of assets should not be interpreted as predictions for future results.

For more information, visit the show notes at https://moneytreepodcast.com/stock-market-predictions-675

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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We are joined by one of my favorite authors Charles Duhigg to discuss his new book, Supercommunicators! We also jump around to chat about other topics like the role of crypto in politics, broader technology trends and AI, and challenges in private equity. Listen to learn more about how you can be the best communicator through having a strong connection.

Today we discuss...

Charles Duhigg's new book, Super Communicators, and reflects on his earlier works, The Power of Habit and Smarter Faster Better.
Charles' background as a business journalist covering finance and technology for The New Yorker and his previous experiences at The
New York Times and Harvard Business School.
A recent article about Silicon Valley’s and the crypto industry's political influence.
The debate over crypto regulations, contrasting the SEC's push for securities oversight with the industry's argument for recognition as commodities.
Long-term changes in business and daily computing due to AI.
Private equity and the impact of high interest rates, the overabundance of funds, and the potential for a reckoning in the industry.
Historical trends in financial products that offered high yields, such as mortgage-backed securities, SPACs, and crypto lending.
Examples of creative financial models like lending gold to jewelers and crypto lending, with an analysis of regulatory challenges and risks.
Introduction to the book Supercommunicators, focusing on the skills and principles of effective communication.
Explanation of the concept of "matching conversations" to foster trust and understanding in communication.
Stories of individuals who overcame communication challenges to become skilled influencers, emphasizing learned rather than innate abilities.
Strategies for improving communication through empathy, alignment, and intentional practice.
Deep questions allow people to share personal stories, creating a shared sense of understanding and vulnerability.
Authentic listening enhances trust and alignment between conversational partners, especially in emotionally charged or conflict discussions.
Salespeople and professionals often falter by failing to genuinely engage, focusing instead on their own agenda.
Successfully navigating conversations involves identifying their type, aligning with the speaker's mindset, and transitioning between types collaboratively.

For more information, visit the show notes at https://moneytreepodcast.com/supercommunicators-charles-duhigg-674

Today's Panelists:

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

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2024 is over so we're going to share a 2024 wrap up! We explore reflections on the holiday season and its implications for financial markets. We share some touching on lighthearted holiday moments. And we also talk some broader topics such as the role of resilience in success and more! Join us as we wrap up 2024. Today we discuss...

Low trading volume during the holidays is an opportunity to find potential deals, though the speaker suggests this may not be worth pursuing for most.
The annual "best year ever" planning process, focusing on setting clear, intentional goals and narrowing down focus to a single word or goal for the year.
A lesson from Jensen Huang, CEO of Nvidia, stressing the importance of pain and suffering in building resilience and character.
2025 could be a rough year, urging reflection and resilience as part of the process of preparing for the challenges ahead.
The steady rise in the average age of parents at birth, which correlates with broader economic trends, including rising dual-income households.
The challenges of wage growth compared to the rising costs of living, and how it's harder to keep up financially.
The divergence between real wages of good-producing workers and major sector productivity.
Whether job market softness is causative or correlational, with significant revisions indicating weaker-than-expected job numbers.
Housing costs are rising, but 52% of newly constructed apartments in Q2 of 2024 were rented within three months, which is down significantly from 2021.
The cost of buying a home is now higher compared to renting in many cases, yet new apartments are not renting out quickly.
A rise in homelessness by 18% in the past year, reflecting growing social strain.
Market trends, including the disparity between intraday and overnight trading, highlight inefficiencies in market timing.
A nod to Bob Farrell's "10 rules for the stock market," emphasizing the cyclical nature of markets and the dominance of sentiment over fundamentals.
Emotions often drive investments, and people are drawn to trends like cryptocurrency, regardless of logical fundamentals.
Cryptocurrency's rise defies fundamental analysis and is driven by factors beyond traditional market metrics.
Successful investing requires understanding both fundamentals and technical analysis, with the latter helping to determine optimal entry points.
A trading journal can help track investments, reasons for purchasing, and exit strategies to avoid emotional decision-making.
Uncertainty in the market should be managed through thoughtful strategy reviews.

For more information, visit the show notes at https://moneytreepodcast.com/2024-wrap-up-673

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Steve Foerster, a finance professor and investment historian, to talk his latest book, Trailblazers, Heroes and Crooks: Stories to Make You a Smarter Investor.

Steve shared insights into famous financial scandals, such as Bernie Madoff's Ponzi scheme, the Bre-X gold mining fraud, and the Salad Oil Swindle that almost toppled American Express. He highlighted key lessons from these events, including the importance of skepticism, recognizing red flags, and understanding how fraudsters exploit exclusivity and credibility to deceive.

These historical stories underscore timeless lessons in vigilance and sound investment practices. Today we discuss...

Steve Foerster, professor of finance and investment historian, discussed his background and books, including Trailblazers, Heroes, and Crooks and his work on the biography of Nobel Laureate Bill Sharpe.
The psychology of exclusivity and trust in Madoff's scheme, including his reputation as NASDAQ chairman.
The Bre-X mining scandal of the 1990s, detailing fraudulent gold sample salting, conspiracy theories surrounding Mike De Guzman, and the challenges of evaluating mining investments.
Mark Twain's observation on mining, "a hole in the ground with a liar on top," was used to underscore skepticism in speculative industries.
The 1960s Salad Oil Swindle, focusing on Tino De Angelis' fraudulent practices and their near-collapse of American Express.
Buffett's significant investment in American Express, based on its strong reputation despite the scandal, resulted in a two-and-a-half-fold return within 18 months.
Research and perseverance can lead to great returns, as Wall Street tends to sell indiscriminately during tough times.
Warren Buffett's support of management during a crisis helped American Express recover and solidify its reputation.
The tension between short-term profits and long-term value was central to Buffett's approach, focusing on long-term growth.
Hetty Green, a 19th-century investor, was a pioneering value investor who predicted market trends and became a major player in railroads and mortgages.
During the Panic of 1907, Hetty Green predicted the failure of a major trust company and later lent to New York City, preventing bankruptcy.
Bobby Bonilla's deferred payment contract with the New York Mets showcased the importance of understanding time value of money and opportunity cost.
The story of Cristiano Ronaldo’s snubbing of Coca-Cola at a press conference led to a $4 billion market drop, but it was actually due to the stock’s ex-dividend date, not his actions.
The Coca-Cola stock drop was an example of correlation not equaling causation, teaching the importance of distinguishing between the two in investing.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management
Jeff Hulett | Finance Revamp

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For more information, visit the show notes at https://moneytreepodcast.com/https://moneytreepodcast.com/trailblazers-heroes-and-crooks-stephen-foerster-672

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Today we cover a mix of festive holiday reflections and current Christmas trends. We debate the merits of artificial versus real trees, the Federal Reserve's recent decision to lower interest rates, market reactions, and the potential onset of a recession, and historical cases like Puerto Rico's bond defaults, and more! It's a Merry Christmas here!

Today we discuss...

How Hanukkah's alignment with Christmas is rare due to differing solar cycles and offers a unique multi-year celebration opportunity for 2024-2025.
A shift from real to artificial Christmas trees, driven by mold allergies.
A personal tradition of year-end reflection, dubbed "Best Year Ever," emphasizing life evaluation and goal setting over a two-week holiday break.
Fed Chair Powell's interest rate cuts and their implications for markets and economic confidence were analyzed, with insights on potential recession signals like the inverted yield curve.
Economic indicators, including high-yield bond performance and confidence metrics, were examined to forecast recession risks and investor sentiment.
The Puerto Rican bond default served as a cautionary tale for assessing risks in high-yield portfolios, drawing parallels to current market trends.
Market bullishness is fueled by a strong economy, decent earnings, and optimism about new presidential policies perceived as pro-business.
Concerns were raised about tariff policies potentially replacing income tax and their inflationary implications.
The market appears overvalued, with current performance exceeding economic fundamentals, risking a potential correction.
Reversion to the mean was discussed as a natural market dynamic, suggesting that extreme highs or lows eventually balance out.
Rising money market assets reflect cautious investor behavior, with significant cash reserves awaiting better market valuations.
Inflationary pressures are linked to reduced supply and increased money supply, paralleling market dynamics.
Markets need a perceived value shift to attract sidelined liquidity.
Year-end is a prime time to reassess portfolios and consider tax implications.
Reflect on strong market performance and evaluate whether reallocating or profit-taking is prudent.
December 31st and January 1st are pivotal market dates due to tax-loss selling and portfolio rebalancing.
Diversification theory, while historically valuable, may now be less effective due to increased asset correlation.
Risk is the permanent loss of capital, whereas volatility is short-term price fluctuation.
The current bull market may soon rival the 1990s tech boom in duration and performance, though a mean reversion is expected.
High-yield bonds should be viewed more like high-dividend equities due to their risk and reward profile.
Online shopping has grown but still accounts for less than 20% of total retail sales.
Men and women share similar preferences for holiday gifts, favoring money, clothing, and gift cards.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/christmas-trends-671

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Blake Harris shares tips for how to improve your asset protection! The conversation delves into how offshore trusts differ from domestic ones. Blake also dispels misconceptions about offshore trusts, emphasizing their legality and utility for asset protection rather than tax evasion. We explore how these trusts work, the best jurisdictions for establishing them, and the practical benefits for individuals seeking robust asset protection.

Today we discuss...

Offshore trusts help protect assets from lawsuits and divorces while allowing clients to retain control over their investments. Asset protection trusts are designed to prevent courts from easily seizing assets. Offshore trusts offer stronger protection compared to domestic trusts by shifting control to foreign trustees in jurisdictions like the Cook Islands. Offshore trusts provide access to foreign investments and international diversification opportunities. Unlike older practices of hiding money offshore, these trusts comply with IRS reporting requirements and are not used for tax evasion. Countries like the Cook Islands, Nevis, and Belize offer asset protection laws, but the Cook Islands are regarded as the strongest jurisdiction. Domestic trusts are weaker because U.S. courts can compel trustees to hand over assets. Offshore trusts can help clients negotiate favorable settlements or avoid lawsuits altogether. Compliance with offshore trust regulations involves some reporting but is manageable with expert guidance. Asset protection trusts primarily safeguard cash, stocks, bonds, crypto, gold, and silver in Swiss bank accounts. Cryptocurrency can be held under a Cook Islands trust via self-custody, third-party vaults, or Swiss bank accounts. Real estate is typically held in LLCs tied to the trust, with options for further protection through equity stripping. Divorces are treated as "super creditor" cases, but Cook Islands trustees can refuse to release funds under duress. Clients comply with court orders but trustees protect assets by requiring sworn statements of no duress. U.S. courts cannot force clients to perjure themselves, further securing trust assets. Over 10 million lawsuits are filed annually in the U.S., creating a need for robust asset protection strategies.

For more information, visit the show notes at https://moneytreepodcast.com/asset-protection-blake-harris-670

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Where is the Santa Clause Rally and why isn't it here yet? What is here however, is drones! Today we talk about the current events including drone sightings and assassinations. We highlight the lack of transparency in politics, corporate media, and Wall Street - there definitely needs to be critical thinking. We also address the "Santa Claus rally" phenomenon since it could be anecdotal as it lacks consistent data. We talk bullish market trends, year-end tax-loss selling, and being mindful of market seasonality and timing.

Today we discuss...

High-profile events and media narratives around it.
The wealth concentrated around Washington, D.C., highlighting systemic corruption.
The "Santa Claus rally" phenomenon and its historical market impact.
Analysis of seasonal market trends, including tax-loss harvesting and year-end buying opportunities.
Observations on the rise of 401(k) millionaires, with caution about potential biases in data reporting.
The Euphorometer shows that the stock market's current euphoria level is the highest in the last 30 years, warranting caution.
Despite some bearish signals, the market is generally bullish with strong momentum.
Foreign holdings of U.S. assets are at historic highs, signaling confidence in the U.S. economy.
Job numbers are showing some signs of softness, which requires monitoring.
Investors need a clear plan, whether it’s buy-and-hold or other strategies, and should stick with it through market fluctuations.
Consumer bullishness is at odds with expectations for income growth, creating divergence in sentiment.
The stock market’s sentiment is very strong, but investors should be cautious of potential over-optimism.
The idea of having a flexible plan for market shifts, especially around year-end, is highlighted.
The 60/40 portfolio model is becoming outdated as it struggles to balance volatility in bullish times.
Momentum investing has its risks, as trends can change unexpectedly. The U.S. deficit is rising rapidly, with projections suggesting a $3.5 trillion deficit.
Inflation-adjusted home prices are at historical highs, with housing prices showing significant growth since the late 90s.
The income needed to afford a home has nearly doubled over the past decade, limiting demand.
Despite challenges in the housing market, stock market expectations remain high, driven by hope rather than data.

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Rod Griffin shares how credit impacts your daily life! As a consumer education and advocacy expert at Experian, Rod discuss the critical role of credit in financial health, particularly during the holiday season. This conversation covers best practices for managing credit and credit scores, including maintaining low credit utilization, paying bills on time, and understanding credit reports. He also talk tips to avoid holiday overspending.

Today we discuss...

Rod Griffin, with 27 years at Experian, shares insights into the company's diverse services beyond credit scores, including fraud prevention, identity theft recovery, and automotive history.
Rod's journey from journalism to consumer advocacy at Experian, highlighting the role of information as a key driver of global economies.
The importance of using credit as a financial tool during the holiday season to avoid overspending and access better financial opportunities.
Rod advises on planning and budgeting, including making lists and avoiding impulse purchases, to manage holiday spending effectively.
Key tips for maintaining strong credit scores include paying bills on time, keeping credit card balances low, and avoiding the myth of needing to carry a balance.
Using tools like free credit reports and risk factors from credit scores to understand and improve their financial standing.
How credit scores assess payment history, credit utilization, credit mix, and recent behavior to gauge risk for lenders.
Consistency in financial habits—such as paying in full and maintaining low utilization—is essential for building good credit over time.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/credit-impacts-your-daily-life-rod-griffin-668

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Thanksgiving is over and now we're heading into Christmas season! Today we touch on financial planning, likening it to solving a maze by starting at the end: envisioning life goals and working backward to build a plan. We talk about the concept of a "Misogi" or a major annual goal to focus on, aligning it with strategies like bucket lists and planning retirement activities early to maximize fulfillment. Financial freedom isn't just about amassing wealth but about enabling experiences and meaningful life choices and these choices are even important during Christmas!

Today we discuss...

Time is the most valuable resource because it cannot be created or extended, unlike money.
Social engagement and new activities are crucial for mental well-being, especially in retirement.
Retirement follows five stages, from anticipation to reflection on health and family as priorities.
Over-spending is common in the early retirement phase due to increased free time and enthusiasm.
Financial planning should begin with identifying life goals and working backward to achieve them.
A "bucket list" approach helps ensure meaningful experiences are prioritized early in life.
Start financial planning by envisioning retirement goals and deconstructing them into actionable steps.
Inflation, taxes, market volatility, longevity, liquidity, and spending are critical risks to consider in financial planning.
Longevity compounds other risks like inflation, taxes, and volatility, making it crucial to plan for extended lifespans.
Extending working years is another strategy, but it is subject to factors like health and employment opportunities.
Spending adjustments are a common way people adapt to financial limitations, underscoring human resilience.
Behavioral finance plays a significant role in managing wealth and mitigating emotional biases.
Leveraging Bitcoin or other assets on a company’s balance sheet can offer growth opportunities but requires careful risk assessment.
Many financial planners fail to address college and housing costs effectively, leading to unnecessary wealth loss.
A long-term focus and proactive planning are essential for achieving financial and familial goals.

For more information, visit the show notes at https://moneytreepodcast.com/thanksgiving-is-over-667

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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John Palmer delves into his extensive career in banking, and highlights the golden opportunity that lies in small and mid-sized banks. He highlights trends like consolidation, regulatory evolution, and technological advancements. Looking ahead, he is optimistic about the banking sector’s recovery cycle and its capacity for sustained growth, even amid challenges like commercial real estate pressures and emerging fintech innovations.

Today we discuss...

John Palmer shared his extensive experience in the banking industry, including his career start at KPMG and his transition to founding a banking-focused investment fund in 1996.
How the banking industry has undergone massive consolidation since the 1990s driven largely by efficiency and cost-saving opportunities.
Key trends like stricter regulations, higher capital requirements, improved loan underwriting, and the transformative impact of technology on banking operations.
The causes of the recent crises at Silicon Valley Bank, Signature Bank, and First Republic, emphasizing asset-liability mismanagement during rapid rate hikes.
Blockchain technology acknowledged as a potential long-term asset for banks and skepticism about the role of cryptocurrency in traditional banking.
The current banking stock cycle entering an upward phase, with profitability projected to grow steadily through 2026.
Bank earnings and stock performance are rising, driven by factors like margin expansion and easing deposit costs.
Banks with $1-$10 billion in assets are attractive targets for M&A due to cost savings and growth opportunities.
Major banks are expanding branch networks in rural areas, targeting low-cost deposits, while smaller banks focus more on digital channels.
The Midwest and Mideast regions show the most M&A activity, though the Southeast and California are also of interest.
Investments focus on public banks with shareholder lists amenable to proxy support for structural changes.
Banking regulation relief under a new administration could lower compliance costs and ease capital requirements.
A normalized yield curve is boosting loan repricing and margins, contributing to earnings growth.
Bank valuations remain attractive compared to broader markets, with banking stocks trading at significant discounts to earnings.

For more information, visit the show notes at https://moneytreepodcast.com/golden-opportunity-john-palmer-666

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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We're in a turkey hangover but that won't stop us from diving into investing strategies. We share how, by playing to their strengths and finding external support for areas of weakness, investors can reduce risk and enhance returns. We also talk niche investment opportunities in private companies and specific sectors, such as SpaceX and Stripe appearing in mutual funds, which is why you need to stay informed about evolving markets.

Today we discuss...

Kirk Chisholm reflects on a relaxing Thanksgiving filled with family time, turkey football, and setting up a backyard hockey rink.
Doug Hagran shares his Thanksgiving highlights, including a successful deer hunting trip and attending a Minnesota Vikings game.
Doug criticizes Ohio State's strategy after the loss against Michigan, emphasizing the failure to adapt and utilize their strengths against Michigan.
How investors should align their strategies with their personal psychology and avoid imitating others, like Warren Buffett or hedge fund managers.
Understanding personal strengths and weaknesses is critical for reducing risk and enhancing financial success.
Using funds or managers for areas outside one's expertise can optimize returns and minimize risks.
Private companies are being included in mutual funds, offering potential new investment opportunities for retail investors.
Private equity investments often face challenges like high costs, illiquidity, and limited transparency.
Liquidity is crucial in uncertain markets to avoid being trapped in illiquid investments during downturns.
End-of-year tax-loss selling provides opportunities to buy undervalued stocks as investors offload losses.
Macroeconomic factors like government cost-cutting and debt management significantly influence market trends and investment strategies.
Growth stocks currently outperform due to optimism and favorable interest rate environments, but risks persist.
Gold is noted for being less volatile than Bitcoin, but Bitcoin's upside has been stronger.
The importance of moving on from losses, whether in elections, investing, or other domains, is underscored as a path to better decision-making.

For more information, visit the show notes at https://moneytreepodcast.com/turkey-hangover-665

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Tony Greer is here to share Macro Trading opportunities based on his insights from his dynamic career as a trader, spanning roles in FX and more, to his transition to founding The Morning Navigator newsletter. Tony reflects on the challenges of trading during the dot-com bubble, emphasizing the lessons learned from navigating volatile bear markets and adapting to shifts in trading technology. Tony explains how he thrives in today’s fast-paced trading environment, benefiting from volatility to capitalize on market moves.

Today we discuss...

Tony Greer divided his career into two halves: trading FX and commodities at Goldman Sachs, then moving into equity sales while consistently writing about markets.
His independent trading firm during the 2000 tech bubble was an 18-month break-even experience, offering valuable lessons in market volatility and sentiment.
Tony’s enduring passion is his market commentary, culminating in his newsletter The Morning Navigator, now in its ninth year.
Tony attributes his trading success to learning from both bull and bear markets, emphasizing that bear markets require a different, more challenging skillset.
Tony highlights the evolution of trading, from transparent electronic montages in the early 2000s to today’s opaque markets dominated by dark pools and hidden orders.
His approach relies heavily on technical analysis, using risk-reward setups and trailing stop-loss strategies to navigate volatile markets.
Tony’s macro calls are driven by observing market sentiment and trends.
With the rise of ETFs, options, and daily expirations, Tony notes that markets have become more dynamic and unpredictable, fueling opportunities for active traders.
Markets often telegraph political outcomes, as seen when Trump’s polling surge triggered a market breakout.
Post-election market moves often reflect emotional reactions and capital deployment in favored sectors.
Bank stocks and financials surged on election news, signaling bullish sentiment with substantial sector-wide moves.
A steepening yield curve is a sign of economic health, often correlated with improving data and rising interest rates.
The S&P’s consistent earnings growth supports its role as a robust inflation hedge and investment choice.
Trading strategies vary across time horizons, with different accounts dedicated to day trading, mid-term investments, and long-term positions.
Success in trading requires passion, discipline, and finding a personal methodology that works for the individual.
Markets thrive on diversity in strategies—there’s no single “right way” to trade or invest.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/macro-trading-tony-greer-664

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As the Friday before Thanksgiving unfolds, we are seeing cryptocurrency up and gold down! The markets are in a reflective yet volatile state. The emergence of Bitcoin options sparks intrigue and skepticism, with aggressive call-to-put ratios suggesting speculative fervor but also significant risk. Amid these market shifts, a broader discussion unfolds on the profitability of writing versus buying options, with no definitive data but a clear invitation for insights from more experienced market participants.

Today we discuss...

The Thanksgiving holiday week is historically a peculiar time for trading, with irregular schedules impacting market activity.
The introduction of Bitcoin options has sparked curiosity, with high premiums signaling extreme market expectations but posing significant risks.
Bitcoin's potential inclusion as a U.S. reserve asset has revived discussions, despite being a long-standing topic without concrete developments.
Options trading serves as a tool for managing risk, with ongoing debate about whether option writers consistently outperform buyers.
Advanced data and analysis on options market outcomes could provide valuable insights for seasoned investors.
The Ethereum market has rebounded to a normal range but has underperformed Bitcoin.
Bitcoin has benefited from two factors: election outcomes and speculation about its potential role as a reserve asset.
Trump was strongly pro-Bitcoin, while Harris has shown lukewarm support, affecting market perceptions.
Speculation on Bitcoin's role as a reserve asset has driven short-term price spikes.
There are significant challenges to making Bitcoin a reserve asset due to its price volatility and speculative nature.
Bitcoin's fixed supply and hoarding behavior contribute to its price volatility and limit its practicality as a currency.
The U.S. government could use confiscated Bitcoin for reserves without impacting the market.
Michael Saylor's leveraged Bitcoin strategy demonstrates the high-risk, high-reward nature of such plays.
Bitcoin is increasingly seen as an asset class rather than a functional currency.
The limited liquidity in Bitcoin due to speculative holding patterns mirrors challenges in other markets with reduced float.
Small-cap stocks have performed well post-election, partly due to optimism about domestic economic policies.
Small-cap indexes like the S&P 600 are stricter on profitability compared to the broader Russell 2000, impacting valuation clarity.
Structural differences in today's IPO and investment landscape may affect the long-term potential of small caps.

For more information, visit the show notes at https://moneytreepodcast.com/cryptocurrency-up-663

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Anne Lester is here to discuss the retirement solutions and challenges that are facing each generation. Ann shares insights into the challenges of saving for retirement, influenced by her personal experiences as a former "terrible saver." There is a lot the anxiety surrounding retirement savings, the pitfalls of focusing on "the number," and the importance of understanding personal spending flexibility and failure lines. Ann discusses generational differences in retirement preparedness and highlights strategies for building retirement savings, such as saving future raises and adjusting spending priorities.

Today we discuss...

How Anne helped create the JP Morgan Smart Retirement Target Date Fund. Retirement challenges, including income uncertainty and spending in later life.
Understanding personal "failure lines" and acceptable lifestyle adjustments.
Generational wealth differences, with Gen Z and Millennials saving more early.
The importance of employer-sponsored 401(k) plans for wealth building.
Younger generations face challenges saving for retirement but are encouraged to stay the course for long-term stability.
The housing market imbalance is influenced by limited supply, high prices, and generational trends in homeownership.
Starter homes are increasingly unaffordable, forcing many young buyers to rely on financial help from family.
The housing market could improve in 5-10 years as demographics and housing supply gradually shift.
Multifamily housing and smaller new builds are growing trends, potentially offering more affordable options for buyers.
Behavioral economics and AI have the potential to assist individuals in managing spending habits and savings strategies.
Credit availability and understanding its consequences play a significant role in financial outcomes for younger generations.
Boomers struggle with transitioning from saving to spending in retirement, often leaving unused funds.
Generational differences in attitudes toward spending, saving, and credit reflect diverse economic experiences.
Future perspectives on bonds may involve alternative strategies as economic conditions evolve.

For more information, visit the show notes at https://moneytreepodcast.com/retirement-solutions-anne-lester-662

Today's Panelists:

Kirk Chisholm | Innovative Wealth Jeff Hulett | Finance Revamp

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The Trump presidency is going to affect your investments and today we discuss how! We talk about focusing on shifting paradigms, market trends, and the need for pragmatic investing. We criticize tech stocks, social media’s evolving role in information dissemination, and reflections on media partisanship. Our overarching goal is for you to focus on investment opportunities created by policy changes rather than being swayed by ideology.

Today we discuss...

Reflections on self-awareness and understanding societal perceptions after the election.
Observations about the market downturn, especially in tech stocks.
Elon Musk’s acquisition of Twitter and its cultural implications.
The significance of comedy and free speech in maintaining societal balance.
Discontent with corporate media as biased propaganda, regardless of political alignment.
Concerns about the long-term sustainability of pensions, Medicare, and Social Security in the 2030s.
Inflation’s impact on savings and purchasing power as a critical financial concern.
Discussion of policy proposals like free college and their feasibility in a paradigm-shifting era.
The potential economic disruptions from AI and other transformative technologies.
Shifts in investment strategies to align with anticipated policy changes under new leadership.
The importance of separating politics from investment decisions to maximize financial outcomes.
The strategic approach to capitalizing on corporate tax cuts and their impact on major companies.
Critique of ideological investing for potentially leaving significant financial gains on the table.
Nuclear energy is gaining bipartisan support due to its reliability as a load power source.
Abundant, cheap energy is critical for societal progress, as scarcity leads to economic stagnation and conflicts over resources.
Proposals like replacing income tax with tariffs reflect the trade-offs inherent in policy changes.
Recognizing the populist movement as a response to frustrations with big institutions and a desire for greater voter control.
Misinformation in charts and emphasizing skepticism when analyzing data visuals online.
Identifying signs of euphoria in market sentiment as a potential warning for cautious investing.
Contrarian investing during periods of extreme optimism or pessimism as a timeless strategy.

For more information, visit the show notes at https://moneytreepodcast.com/trump-presidency-661

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Marco Santarelli returns to share real estate opportunities you should be jumping on in 2025! Despite rising interest rates, Marco remains optimistic about real estate as one of the best opportunities to be a part of. He explains that high demand and low supply in many U.S. markets create opportunities, particularly in non-tier-one markets, and encourages investors to focus on "where" to invest rather than "when" to start. Most people who do start investing in real estate regret that they didn't invest even more!

Today we discuss...

Marco Santarelli shares his journey as a serial entrepreneur with a primary focus on real estate investing, specifically in turnkey investment properties.
Rising interest rates and their impact on real estate affordability.
Focusing on location rather than timing the market, as there are always opportunities in specific markets.
A lack of supply has created high demand in many U.S. housing markets, which is unlikely to be balanced before 2030.
How affordability challenges affect buyers and investors, especially in expensive tier-one markets.
Marco argues that even with higher mortgage rates, real estate investments continue to offer wealth protection, growth, and tax benefits.
The current economic backdrop, including inflation and the Federal Reserve’s interest rate policy, and its effects on real estate.
Real estate investments are viable at any interest rate if the numbers work and the location is right.
Housing demand is high due to an underbuilt market, with 2.1 million units needed to meet current demand.
Industrial real estate is performing well, while commercial properties struggle with vacancies.
Small-scale residential properties (1-4 units) are ideal for most investors due to financing benefits and availability.
Effective property management is essential; consider tenants as customers and research property managers’ services, reputation, and fees.
Real estate offers long-term benefits through cash flow, equity, and tax advantages, and consistent education is key for successful investing.

For more information, visit the show notes at https://moneytreepodcast.com/real-estate-opportunities-marco-santarelli-660

Today's Panelists:

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

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The election results are in and the real winners are the American people who do not have to watch politics ads anymore! Today we dive into the aftermath of the recent elections and what happens next for the markets. We talk about the ineffectiveness of government spending and the evolving view of political parties. There needs to be greater personal accountability and unity in navigating the nation's political landscape. No matter what we will be sure to see the impact of political dynamics on society and markets. The market will definitely respond to the political events of the next four years.

Today we discuss...

Relief after the recent election, especially from political advertising overload.
How a record-breaking $15.9 billion was spent on U.S. political ads this election cycle.
Frustrations over high campaign spending and suggests such funds could better support social causes.
Critiques of the U.S. political system's reliance on private contributions and its potential to sway policy.
Comedians like Jon Stewart for addressing political hypocrisy across the spectrum.
The American political system seems to shift over time, with parties taking on opposite stances on issues like war.
Bipartisan acceptance of differing opinions and the preservation of First Amendment rights are essential for a healthy society.
Freedom of speech includes both expressing opinions and facing possible negative reactions.
Extremist views on both political sides have made rational discussion harder.
Polarized societies often see suppressed opinions emerge during pivotal events, like elections.
Market reactions to election results can indicate future performance trends.
Specific sectors post-election, like coal, banks, and crypto, provides insights on economic sentiment.
Election outcomes impact short-term market volatility, but fundamentals drive long-term trends.

For more information, visit the show notes at https://moneytreepodcast.com/election-results-659

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Mark Lumpkin is here to discuss real estate investing through creating a successful AirBNB. He delves into what it means to be a "super host," by enhancing a property's visibility and appeal. If you have a unique properties that can serve as part of the travel experience, you can find yourself a niche in the industry, and tailor your property for maximum appeal and profitability. Many new investors rush in, lured by promises of high yields but lack a strategic approach. Mark shares the secrets of how to maximize your success.

Today we discuss...

Mark explains his and his wife's travel experiences that led them to prefer short-term rentals over traditional hotels.
How, inspired by their experiences, they decided to invest in short-term rentals and became Airbnb superhosts.
How short-term rentals have made previously uneconomical properties profitable by offering daily rentals instead of long-term leases.
The importance of having unique, high-quality properties to remain competitive and mitigate downturn risks.
Focusing on mid-range properties, rather than luxury or low-end ones, often yields the best financial results.
How unique, non-duplicatable properties avoid direct competition with identical listings.
Market risks such as natural disasters, insurance costs, and operational expenses specific to high-tourism areas.
The premium pricing strategy on weekends in vacation destinations for maximum yield.
Catering to unique needs, like wheelchair accessibility or family-friendly amenities, can attract a premium.
Balancing seasonal properties across markets with varying peak seasons can stabilize cash flow.
Managing a short-term rental requires a strong on-ground team for cleaning, maintenance, and guest support.
Listing properties on multiple platforms (Airbnb, VRBO, booking.com, etc.) increases exposure and revenue opportunities.
Building a brand and direct-booking options, supported by social media, is a growing trend among property owners.

For more information, visit the show notes at https://moneytreepodcast.com/successful-airbnb-mark-lumpkin-659

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The election just happened and that means there will be some shenanigans after the election! Today we talk divisiveness in political discourse, the inefficiencies in government spending, and the challenges posed by increasing national debt and interest payments. The inefficiency in government spending and decision-making extends across the board so you need to be aware of your own finances and investments. Focus on your pragmatic investment strategies amidst economic uncertainty, especially after the election, and you'll be on a better track.

Today we discuss...

How politics is largely unhelpful for investing discussions. Today’s society often discourages open, contradictory opinions.
Election results are here, and market stability would benefit from a decisive winner.
Government spending has increased while private sector growth lags.
Government debt interest payments have surpassed national defense spending.
The economy faces challenges as more jobs shift to government, education, and healthcare.
Older generations dominate U.S. power structures, limiting opportunities for younger leaders.
Economic solutions are limited to either growth, inflation, or reduced spending.
The government, healthcare, and education sectors often suffer from inefficiency due to regulation.
Technological advances in housing and nuclear energy are slowed by regulatory oversight.
Crypto has been highly volatile, though fixed-income investments have also been risky in recent years.
Significant donations from the crypto sector went to both political parties in the last election cycle.
The market’s response to election results is likely stable unless there is a contested outcome, which could trigger volatility.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/after-the-election-657

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Richard Duncan is back to share the concept of a U.S. sovereign wealth fund, an idea to drive national economic growth through large-scale public investment in emerging industries and technologies. Recent bipartisan support from both the Trump and Biden camps highlights growing momentum for this initiative, and Richard thinks it could accelerate technological breakthroughs in fields like AI, quantum computing, and biotech. Such a fund would not only help reduce the national debt but also bolster U.S. competitiveness against China’s rapid advancements in technology and defense.

Today we discuss...

The concept of a U.S. sovereign wealth fund, a proposal he has supported for years as a means of boosting national economic growth.
Concerns that government programs already incentivize private sector growth, like R&D tax credits and preferential funding, but face inefficiencies.
How a U.S. sovereign wealth fund would act as a venture capital source for private companies, similar to successful models in Singapore.
How under-investment could allow China to become the dominant superpower, citing parallels to Europe's unpreparedness for Hitler’s rise.
The effects of inflated debt and the fragility of the U.S. economy, highlighting government intervention as a key reason it hasn’t collapsed.
If credit contracts, a recession could turn into a depression, risking significant economic instability.
Each time private sector defaults threaten contraction, such as in 2008 and 2020, government intervention prevents economic collapse.
Advocates of austerity overlook that spending cuts can cripple consumption, investment, and job creation, leading to economic decline.
The speaker argues that large-scale investment, rather than austerity, is essential for growth and national security.
America's economic resilience stems partly from government debt; alternatives could risk societal collapse.
Future U.S. prosperity and competitiveness, especially against China, depend on substantial investment in science and technology.
The risk of economic misallocation, using overemphasis on pharmaceuticals as an example.
Balancing private sector decisions and government financing could ensure effective investment in essential industries.
The U.S. must innovate in energy, particularly nuclear and fusion, to meet growing demands from sectors like AI.
America's past reliance on globalization reduced inflation, but future economic stability may require adapting to changing global conditions.

For more information, visit the show notes at https://moneytreepodcast.com/sovereign-wealth-fund-richard-duncan-656

Today's Panelists:

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

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There's a problem with the election and it's not just about you, it's me too. Our conversation today highlights how U.S. political party priorities have evolved with shifts in censorship power dynamics now seen in tech and government interactions. Voter turnout patterns by state reveal high engagement in blue states, sparking a discussion on potential impacts and a reflection on whether blockchain could offer fairer and more secure elections.

Today we discuss...

Most recent information is likely to be unreliable, especially with the election looming.
Historical context regarding political party evolution highlights significant shifts in the Democratic and Republican parties over the years.
The potential for implementing blockchain technology in voting is suggested as a way to enhance transparency and prevent voting irregularities.
When investing in the market, your biases—whether bullish or bearish—can distort your perception of reality.
Confirmation bias leads investors to seek information that supports their beliefs while ignoring opposing viewpoints.
Historical examples highlight how both individuals and groups can rationalize harmful choices based on their biases.
Recent trends show a belief that investing solely in the S&P 500 or real estate is the only way to achieve financial success, neglecting historical performance data.
Many investors, including Warren Buffett, are reevaluating their holdings based on new data, which suggests current market valuations may be overly optimistic.
Historical performance metrics show that various asset classes, including gold and emerging markets, may outperform current popular investments.
A shareholder proposal suggests Microsoft should consider holding Bitcoin instead of cash, reflecting a shift towards cryptocurrency among corporations.
Leveraging Bitcoin or any asset carries significant risks, particularly if market conditions change abruptly.
Despite increasing investments in Bitcoin, its price has remained relatively stable, indicating complex market dynamics.

For more information, visit the show notes at https://moneytreepodcast.com/problem-with-the-election-655

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Today I'm joined by my good friend, The Tax Goddess to discuss the Profit First system. Shauna Wekherlien's background in helping people legally minimize taxes and maximize savings and focuses on the Profit First system, a financial management approach for businesses and individuals. We explain how this system promotes discipline by prioritizing profit before expenses. Shauna also shares strategies to reduce tax bills legally. Today we discuss...

Shauna Wekherlein shares her work as a tax strategist, helping people manage money and keep it away from the government legally.
The Profit First system is a simple financial framework for both businesses and individuals.
Shauna explains the process of setting aside a percentage of revenue for profit before paying expenses.
Profit First encourages using multiple bank accounts to separate funds for profit, taxes, and other expenses.
Kirk shares his positive experience with the Profit First system, calling it life-changing.
How the system is customizable, allowing users to start small and increase their profit percentage over time.
Shauna emphasizes the importance of having a separate bank account for taxes.
The value of financial strategies to reduce tax bills while still ensuring funds are available for payments.
Shauna highlights how business owners and individuals can use the Profit First method to achieve personal and financial goals.
The conversation covers common financial challenges like lifestyle inflation and debt, and how Profit First can help avoid them.

For more information, visit the show notes at https://moneytreepodcast.com/the-profit-first-system-shauna-wekherlien-654

Today's Panelists:

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

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Where is Bitcoin going next? Today we discuss Bitcoin and how it's currently crashing and what that means for it's future! We also talk about how consumer confidence fluctuates based on political affiliation and reflect on how political leanings shape people's perception of reality. We analyze charts "chart crimes," emphasizing how misleading technical analysis can be. We also touch on America's ever growing debt.

Today we discuss...

There's only two weeks between Halloween and the election!
The University of Michigan Consumer Expectations Index reveals an inverse correlation between political party expectations based on who is in power.
How political bias colors people's perception of reality.
A shift in political leanings of tech executives is observed, with a historical trend toward Democrat support but a recent swing toward conservatism in 2024.
The current state of leadership, with a lack of strong leaders across political lines.
The concept of "chart crimes", where misleading technical analysis charts often deceive inexperienced investors.
Bitcoin technical analysis is debunked, explaining that chart setups are not guaranteed predictions.
The U.S. may face bankruptcy within 5 to 10 years, which could trigger significant inflation and financial hardship.
The velocity of money and the trust in currency are key indicators to watch for potential hyperinflation or financial instability.
Bitcoin's recent rise is correlated with an increase in M2 money supply, and both Bitcoin and gold are seen as potential hedges against inflation.
There's uncertainty about how Bitcoin will perform in future recessions since it hasn't faced a major economic downturn yet.
Consumers are struggling with high core inflation, impacting necessary expenses like utilities and food, despite overall inflation rates declining.

For more information, visit the show notes at https://moneytreepodcast.com/where-is-bitcoin-going-653

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Jenny Groberg joins us to share how she has because a master of balancing business and family. Her journey led her to starting a consulting business from home while raising five children and navigating financial challenges due to her husband's medical school and residency. Jenny talks financial literacy, highlighting how she and her husband quickly paid off $250,000 in loans by living below their means.

We discuss...

Jenny Groberg is a mother of five, married for 21 years, whose husband's medical school and residency led her to start her own business out of necessity.
She started consulting from home and built a successful business employing hundreds of women across the US who also work remotely from home.
Jenny's company taps into a highly educated female workforce, breaking barriers in finance and challenging traditional male-dominated spaces.
She is passionate about empowering women, especially during times of economic hardship, as many women are returning to work due to rising costs and inflation.
Jenny highlights the flexibility and adaptability of women who juggle family and professional responsibilities while navigating challenges like maternity and remote work.
The accounting field is shrinking, but Jenny sees opportunities in helping businesses improve financial literacy and manage their finances better.
She emphasizes the importance of focusing on profitability over growth and ensuring businesses maintain financial discipline for long-term success.
Jenny shares her personal story of paying off $250,000 in student loans in two years by maintaining a strict budget and avoiding lifestyle inflation.
She believes that staying out of debt and managing finances conservatively can lead to long-term financial freedom and stability.
Jenny encourages business owners to regularly monitor their financials, manage payroll efficiently, and make conservative financial decisions to ensure business survival and growth.
She warns against relying on adjustable-rate loans and stresses the importance of saving for unexpected financial changes.

For more information, visit the show notes at https://moneytreepodcast.com/balancing-business-and-family-jenny-groberg-652

Today's Panelists:

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

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We reveal the secret tax the government is hiding from us! We also talk the misunderstandings of inflation and all it's complexities. We also help you learn more with key inflation-related terms, such as deflation, disinflation, and hyperinflation, clarifying that hyperinflation occurs when public trust in a currency is lost. And we also argue that inflation is influenced not just by money printing, but also by the velocity of money—the rate at which money circulates within an economy.

We discuss...

Government-published CPI (Consumer Price Index) is the gold standard for measuring inflation, but there may be incentives to manipulate it.
Shadow Stats shows inflation metrics based on older CPI calculations, suggesting a higher inflation rate than reported.
Historical inflation rates in the 70s and 80s were much higher than today's target of 2%, challenging the notion of what's considered "normal."
Money velocity is key to understanding inflation, as low velocity can counteract the effects of money printing.
New money creation typically leads to inflation.
Consumer price inflation visibly increases the price of goods and services, reducing purchasing power.
When wages don't rise alongside prices, it squeezes the middle class and working class, making them poorer.
Quantitative easing leads to asset price inflation but not consumer goods inflation.
Stimulus checks and COVID relief caused consumer price inflation by increasing the money supply.
Globalization has caused deflation by reducing the cost of goods.
Technological advances are deflationary by making products cheaper and more efficient.
Declining populations can lead to deflation, which worries governments with debt-based economies.
Immigration helps prevent population decline but has complex economic and cultural implications.
Despite recent inflationary spikes, the current trend is toward disinflation.
U.S. debt has grown dramatically, with the annual increase accelerating in recent years.

For more information, visit the show notes at https://moneytreepodcast.com/secret-tax-651

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Jeff Hulett shares how a proper personal finance education can build the habits that grow lifelong wealth. Our cognitive biases impact financial decision-making, often work against us. He highlights the role of habits and commitment devices in overcoming these biases, while also discussing the dangers of modern marketing and the manipulation of data. We also touch on how evolutionary biology still influences our financial behaviors today.

We discuss...

Jeff Hewlett shares his background in finance, mathematics, economics, and experience in banking and consulting.
Jeff discusses his involvement in AI, machine learning, and how these technologies have been evolving over decades.
He talks about his current role leading Personal Finance Reimagined, a platform focused on decision-making and financial education.
How wealth distribution challenges are attributed to evolutionary biology and consumerism.
Jeff emphasizes the importance of creating good financial habits and using commitment devices, such as robo-advisors.
AI and its impact on decision-making, especially its potential for persuasion.
Jeff highlights the significance of aligning decision processes with natural human tendencies, like binary decisions.
How the U.S. education finance system preys on availability bias, deferring loan payments to the future while hiding present costs.
College prices are excessively high, leading to concerns about the return on investment (ROI) for students.
The value of a college degree is more about demonstrating the ability to work hard and sustain effort over four years.
Community college can be a cost-effective route to a degree, demonstrating both financial savvy and resilience.
There's a cognitive bias known as "time discounting" that leads people to struggle with understanding the compounding value of time.
Confirmation bias affects political and social views, often reinforced by media echo chambers.
Media, both legacy and social, plays a significant role in shaping biased worldviews, sometimes feeding incomplete or selective information.
There's a growing generational divide in media trust, with older generations more likely to trust media than younger ones.
The rise of narrowcasting in media has led to the creation of echo chambers where people only hear confirming viewpoints.
Consumers of free media or social platforms are often the "product" being monetized, even when they think they aren’t paying for content.
AI and technology add to the complexity of discerning truth, as biases are baked into data sources, and deep fakes further obscure reality.
The challenge for society is figuring out how to discern accurate information amid pervasive bias and misinformation.

For more information, visit the show notes at https://moneytreepodcast.com/personal-finance-education-jeff-hulett-650

Today's Panelists:

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

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Hurricane Helene was devastating, and it impacted so much more than just Asheville. Hurricanes can cause major claims, leading to a temporary dip in stock prices for these insurers, creating a chance to buy at a discount. Although insurers face huge costs when these disasters strike, they benefit from collecting high premiums that continue to rise in coastal areas. Only time will tell how the impacted areas, the insurance companies, and the stock market will recover in the aftermath.

We discuss...

Hurricane Helene and the other hurricane that is on it's way.
The opportunity for investors to buy discounted property and casualty insurance stocks during high-claim seasons.
Property casualty insurers’ strength lies in their ability to collect premiums and invest the float before claims are paid.
Warren Buffett’s investment strategy with property casualty insurance, leveraging the float for long-term investments like Coca-Cola.
Buffett’s investment prowess and how insurers gain an advantage by not needing to borrow money to grow.
The complex nature of analyzing property casualty insurers, which requires specific metrics.
A note on Hurricane Helene and the financial impact of other costly hurricanes.
Update on the Federal Reserve’s plans for interest rate cuts and fluctuating market expectations.
Warning about the unreliability of government data, especially close to elections, and how market participants respond to such data.
People are uncertain about market trends, and data may not always be reliable.
Data manipulation in government reports has occurred, so numbers should be taken as guides, not definitive facts.
A significant number of government employees were hired in September, influencing employment statistics.
Elections add volatility to markets, with uncertainty often causing swings before stabilizing afterward.
Corporate media often shapes narratives, leaving people feeling frustrated and distrustful of information.
Extremist factions in politics are gaining influence, with candidates catering to these groups for votes.
Many voters align with their party regardless of the candidate, reducing the significance of "undecided" voters.
Wall Street prefers certainty, with market trends stabilizing after election results are confirmed.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/hurricane-helene-649

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Josh Radman joins us today to discuss a little discussed topic on Money Tree Podcast: Decoding RSU, ISO and NQ SOs. He also shares how government programs and how they impact our labor market. He shares an example from local Broogers, which struggled to find staff and often received resumes from unemployable candidates. Josh also touches on how employment data has been revised to show many jobs are part-time or within the government, driven by new regulations. Shifting gears, Josh explores the idea that large AI models, like ChatGPT, might be throttled to prevent them from predicting the future, potentially disrupting markets. He also highlights the critical need for clean, reliable data for AI to function properly, as current government data is often inaccurate or manipulated.

Today we discuss...

Josh Radman shares his background, from General Mills to tech companies like Walmart e-commerce, where he encountered confusion around equity compensation.
How his frustration with understanding ISOs, RSUs, and NSOs led him to found Presidio Advisors, a firm focused on helping millennials with equity compensation.
He emphasizes the importance of balancing tax considerations with investment risk and prioritizing financial goals.
Radman discusses regret minimization as a tool for decision-making, helping clients navigate the risks of equity compensation.
Companies often fail to educate employees about equity compensation due to legal concerns, leaving employees to navigate complex tax and financial decisions.
The complexity of ISOs, NSOs, and RSUs requires advanced planning and understanding, especially when managing liquidity events like IPOs.
How long-term capital gains tax rates are preferable (0%, 15%, or 20%) compared to ordinary income tax rates (up to 37%).
Employees often face a limited post-termination exercise period (typically three months) to exercise stock options after leaving a company.
It’s important to assess short-term, mid-term, and long-term cash needs when considering exercising stock options.
Restricted Stock Units (RSUs) are taxed as ordinary income upon vesting without requiring cash outlay to exercise.
A common misconception is that you must hold RSUs for a year to achieve optimal tax treatment; this is not necessary.
Employees often underestimate total exposure to their company’s stock due to both explicit and implicit risks.
Cognitive biases, such as the endowment effect, can lead individuals to overvalue their RSUs and resist selling.
Market returns are skewed, with a small number of companies generating significant returns; diversification is essential to mitigate risk.

For more information, visit the show notes at https://moneytreepodcast.com/decoding-rsu-iso-nqso-josh-radman-648

Today's Panelists:

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

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Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Peter Berezin is here today to discuss the global meltdown that is coming! The chief strategist at BCA Research discusses the potential for an upcoming U.S. recession. Peter predicts that a recession could lead to a significant market crash, even without deep economic downturns, much like the 2001 recession. He also touches on inflation, budget deficits, and the government's ability to counteract economic downturns.

Today we discuss...

Predictions of a US recession to start later this year or early next year, contradicting the expectation of a soft landing.
Economic insulation from job openings and excess pandemic savings is depleting, cooling the economy.
Real estate markets, including commercial, residential, and single-family homes, look worrying due to high vacancy rates and rising delinquency.
Small regional banks could face problems due to their exposure to commercial real estate, potentially leading to a steady stream of bad news.
During a recession, Berezin expects opportunities to buy solid companies at a discount, particularly in tech and healthcare.
Inflation is expected to stay under control over the next 12 months due to a weakening economy, falling job openings, and lower wage growth.
Peter explains that printing money to finance fiscal deficits can be inflationary, particularly when unemployment rises and fiscal spending increases.
The large US budget deficit is troubling, especially as counter-cyclical fiscal policy might be limited during future economic downturns.
Concern about the continued printing of money in bad times, potentially leading to economic imbalances like income inequality.
Raising taxes is suggested as a possible path forward, though political challenges could impede this.
Tax increases are likely if certain tax cuts expire, with potential cuts to defense or social spending as other budget-balancing measures.
Concerns about worsening fiscal scenarios prompt the idea of hedging with TIPS and gold.
Global markets, especially outside the U.S., are seen as more attractive due to valuation gaps, with emerging markets managing inflation better recently.
Commodities, particularly metals, are seen as benefiting from the green energy transition, while oil demand may decrease.
Gold is positioned as a hedge against geopolitical volatility and long-term inflation, though rising bond yields have made it less attractive recently.
Bitcoin is unlikely to become a central bank asset due to its anonymity and governments' need to monitor and tax transactions.

For more information, visit the show notes at https://moneytreepodcast.com/global-meltdown-peter-berezin-646

Today's Panelists:

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

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Corporate media is heavy on the propaganda these day! It's hard to tell what is real in the news anymore. But what we do know for sure is the Federal Reserve made a surprising decision to cut interest rates by 50 basis points, reducing the federal funds rate to a range of 4.75% to 5%. We talk the implications of this unexpected move. It's hard to understand the Fed's rationale so it's important to understand the data that may not be publicly available and questioning what signals the Fed is responding to. That's why you need to stay vigilant when it comes to the news and where you're getting your facts and data from.

Today we discuss...

The Fed surprised many by cutting the federal funds rate by 50 basis points, bringing it to a range of 4.75% to 5%.
Concerns arose about the sudden need for significant rate cuts, indicating potential underlying economic issues.
Many speculate that the Fed possesses data not publicly available, raising concerns about hidden economic pressures.
The Fed's decisions are influenced by unemployment trends more than inflation or stock market performance.
Speculations linger about whether the Fed's actions could influence the upcoming election, although this is not typically their mandate.
Overall, the Fed's strong statements indicate a serious concern about economic conditions, prompting scrutiny and analysis from investors and economists alike.
The speaker argues that news media often functions as high-grade propaganda, which can cloud rational thinking.
The rise of the internet in the 1990s disrupted traditional media by providing free access to information.
People shifted from relying on traditional media outlets to independent sources like blogs and podcasts.
The limitations of their data access compared to government or mainstream media.
The media employs attention-grabbing tactics, such as sensationalism and loud broadcasts, to attract viewership.
This reliance on dramatic presentation often overshadows the delivery of accurate information.

For more information, visit the show notes at https://moneytreepodcast.com/heavy-on-the-propaganda-645

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Anthony Coniglio is here today to talk about how you can invest in cannabis stocks! Anthony co-founded New Lake Capital Partners, a real estate investment trust (REIT) focused on the cannabis sector. Today he's here to discusses the complexities of investing in cannabis! He touches on the challenges and opportunities in the U.S. cannabis market, such as state-by-state regulations, federal restrictions, and evolving consumer preferences. There is potential for medical cannabis, but there is also need for more research to enable broader investment and growth in the industry.

Today we discuss...

Anthony's 30 years of business experience, and how it led him to co-founding New Lake.
How the cannabis market has garnered attention since Canada's legalization in 2018, with various investment opportunities emerging in both U.S. and Canadian markets.
Investing in cannabis can involve direct plant-touching businesses (cultivators, manufacturers, distributors) or non-plant-touching businesses (ancillary services, real estate).
Medical cannabis is supported by a majority of Americans, but research is hindered by its Schedule I status, limiting evidence on its efficacy.
The Schedule I to Schedule III rescheduling proposal is still pending, with a hearing scheduled for December to address comments and opposition.
The cannabis industry is highly regulated, with indoor cultivation facilities focusing on optimizing THC content.
Consumer preferences are shifting towards edibles and drinks rather than raw flower, indicating potential growth areas in the industry.
Hemp differs from cannabis mainly in THC content, and can be used for various industrial applications, including products with higher THC through legal loopholes.
The cannabis sector faces challenges due to federal regulations affecting banking and investment, impacting liquidity and institutional involvement.
There is a need for policy reform to enable better banking services and research opportunities, which could normalize the industry and recognize its significant employment impact.

For more information, visit the show notes at https://moneytreepodcast.com/invest-in-cannabis-stocks-anthony-coniglio-644

Today's Panelists:

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

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Is Ai stealing your jobs? Today we discuss how Ai is impacting the job market and inflation. We also highlight the states where people are having a lower percentage of struggle with household expenses compared to other states. We also share possible concerns about the potential negative impacts of universal basic income and the future of work. Join us today we talk about all of this and more!

Today we discuss...

Some states have lower percentages of adults struggling with household expenses compared to other states.
The states with fewer adults struggling are mostly liberal, while those with higher struggles are predominantly conservative.
Conservative states with high welfare dependency often criticize welfare systems despite benefiting from them.
The debate over Universal Basic Income (UBI) continues, with concerns about its potential to cause inflation and economic issues.
AI's impact on job markets is significant, affecting both creative and technical professions, and may lead to existential questions about purpose and employment.
Social Security, Medicare, and pensions are projected to face financial shortfalls in the coming decade.
Receiving steady, high pay without working can reduce stress but strain the labor economy, leading to higher job prices.
Employment data has been frequently restated, revealing that many jobs are part-time or in government sectors.
New regulations create more government jobs to enforce them, even though the original data was already accessible.
There is concern that AI's ability to predict the future might be limited to avoid impacts on markets and other areas.
Centralized platforms, like Google and social media, may manipulate information to shape opinions and influence outcomes.
Building personal AI models could help avoid manipulation by large corporations and governments.

For more information, visit the show notes at https://moneytreepodcast.com/ai-stealing-your-jobs

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Emmanuel Daniel is here today to discuss the secret future of banking! He shares his background, and how he established "The Asian Banker," a publication focused on understanding the banking and financial landscapes in Asia. He provides insights on China’s economic transformation, especially in tech and AI. He also examines the secret future of banking, and how it will impact the global scale.

Stay tuned as today we discuss...

Daniel's experiences with the banking sector across Asia, the Middle East, Africa, and Silicon Valley.
Daniel talks about his deep connections with influential people in the U.S. financial system and his unique perspective on U.S. and Chinese policymaking.
China's rise, highlighting its post-Cultural Revolution recovery, WTO accession, and economic growth driven by education and infrastructure investments.
The evolving landscape of banking with the introduction of new technologies like AI, blockchain, and digital banking, and the challenges and opportunities they present.
The challenges of regulating new financial technologies and the impact of digital disruption on traditional banking models.
Technology is forcing institutions to adapt to greater personalization in finance, society, and governance.
How young generations across the world are forming new communities and subcultures enabled by digital platforms.
The challenge for governments, especially in more controlled states like China, is managing and steering this newfound individual empowerment.
How India represents an untapped potential with significant structural challenges, particularly within its state apparatus and governance.
Future trends will focus on leveraging AI for productivity gains, rather than being paralyzed by fear of the technology.
How the US is poised to lead the world in creating a new, digitized, and financialized economy, serving as a model for others.

For more information, visit the show notes at https://moneytreepodcast.com/secret-future-of-banking-emmanuel-daniel-642

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Historically, every time the yield curve inverts, a recession follows, but don't fret just yet, this could be correlation, not causation. Recession tends to follow when the yield curve reverts back to normal after inversion, rather than during the inversion itself. The Federal Reserve's themselves and their actions have impacted the yield curve over the year and shifts in banking behavior can slow the economy. Changes in economic conditions and market behaviors suggest a potential recession is forthcoming, but don't panic yet, you can't predict the market.

Today we discuss...

The inverted yield curve occurs when short-term interest rates exceed long-term rates, which is generally considered abnormal.
The Fed's recent rate hikes caused the short end of the yield curve to increase sharply, resulting in an inversion.
Banks are less likely to lend during periods of an inverted yield curve because lending at a lower rate than they borrow leads to losses.
Changes in how money is created may alter the predictive power of the yield curve inversion as a recession indicator.
Household allocation to stocks has recently hit an all-time high, indicating extreme market complacency.
Fixed income, traditionally seen as a conservative investment, became the worst-performing asset class in 2022 due to interest rate volatility.
Many investors may be unaware of their true risk tolerance, having not experienced significant capital loss since the 2008-2009 financial crisis.
Risk in investing includes not just losing money but also the loss of time, as shown by the S&P 500's negative performance from 2000 to 2013.
Confidence in the American Dream has significantly eroded since 2012, with fewer people believing hard work will lead to success.
Credit card defaults are reaching record highs, surpassing previous peaks seen during the dot-com bubble and the financial crisis.
U.S. government spending is projected to increase significantly, with 87% allocated to interest expenses, Social Security, and healthcare.
Food prices have reached new highs, contributing to financial stress for consumers.
The cost of U.S. federal debt interest has skyrocketed, reaching $1.1 trillion annually, or $3 billion per day.
There is concern that the Federal Reserve is not truly independent, with its actions influenced by government, banks, and other powerful entities.

For more information, visit the show notes at https://moneytreepodcast.com/inverted-yield-curve-641

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Andrew Stotz returns to discuss World War 2.5! Having moved from the U.S. to Thailand in 1992, Stotz has extensive experience in the Thai stock market and now runs A. Stotz Investment Research. Stotz shared his perspective on U.S. dominance in Europe, the growing tension with China, and the shift of global resources, particularly in Africa. He also highlighted the increasing complexity of international compliance regulations driven by Europe's green energy transition. Learn how all this significantly impact global markets and developing nations.

Today we discuss...

How Andrew began a career as a sell-side analyst in 1993.
Andrew's 20 years in the Thai stock market and where his experiences led him.
Andrew's podcast My Worst Investment Ever, focusing on lessons from financial failures.
The U.S.'s dominance over Europe and the ongoing geopolitical tensions.
The potential collapse of the U.S. market and dollar is a concern for investors outside America.
Uncertainty about the timing and severity of the anticipated recession.
The strategic economic moves of China, particularly in Africa, and its implications for global power dynamics.
The discussion includes the complexities of China's role in global capitalism and its interactions with the U.S. and Europe.
Europe is criticized for exporting strict compliance and regulations, particularly around green energy, impacting global trade and development.
And more!

For more information, visit the show notes at https://moneytreepodcast.com/world-war-2-5-andrew-stotz-640

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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The fed is cookin' up something and today we talk about their upcoming decision on interest rates, and debate on whether and how much rates should be cut. We discuss the impact of potential rate cuts - there’s concern about inadvertently stoking inflation or failing to manage a gradual economic slowdown. We also talk about market expectations, past misjudgments, and behavioral biases and how they effect investment strategies.

Today we discuss...

How inflation has decreased to 2.2% year over year, which is positive but may not feel beneficial to everyone.
The Fed is expected to lower interest rates, with debate over whether it will be by 0.25% or 0.5%.
Unemployment has risen to 4.3%, leading to concerns about a potential recession.
Whether the Fed's actions are aimed at inflation control or market performance.
The concept of second-level thinking in investing and the importance of understanding market expectations.
How the Fed may lower rates once this year and not make multiple cuts unless there is a severe recession.
Historical comparisons between past and current interest rates and unemployment rates.
The importance of understanding market pricing, timing, and investor behavior.
The role of behavioral finance biases, such as recency bias, in economic decision-making.
Strategies for passive investing, portfolio rebalancing, and navigating the bond market in a changing interest rate environment.

For more information, visit the show notes at https://moneytreepodcast.com/fed-is-cookin-639

Today's Panelists:

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

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Kepmton Schwab is here to discuss Venture Capital (VC) investing! We also discuss the emotional and strategic aspects of selling a business and how successful sales really comes down to aligning the interests of both the seller and the buyer.

We also talk about the hot trend of institutional money pouring into private companies, especially in tech and AI, and how emerging technologies can boost a company’s value and more! Today we discuss...

Kempton Schwab's background as a retired executive operator and business owner, now working in advisory.
Kempton's story about his experience in selling his company.
How successful transactions are rooted in aligning the seller's and buyer's motivations.
The importance of business stability, customer base, and technology in determining company valuation and multiples.
The role of AI and emerging technologies in enhancing existing value propositions rather than creating new ones.
Public and private markets, and the opportunities and challenges in technology and traditional sectors.
The trend of institutional money chasing private companies and how it impacts valuations and the industry.
The significance of critical thinking and understanding a company's value proposition before investing.
Practical takeaways for investors and business owners considering selling their companies.

For more information, visit the show notes at https://moneytreepodcast.com/vc-investing-kempton-schwab-638

Today's Panelists:

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

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Powell was in Jackson Hole last week and today we discuss some Jackson Hole Revelation on the future of the market and interest. We also talk the current election and all of the ins and outs of election strategy. Then, we veer into how social media is changing elections and how it feels like people, especially comedians, are holding back more than they used to because of cancel culture. We reflected on how trends, whether in culture or finance, often swing to extremes before eventually balancing out.

Today we discuss...

How neither major party is focusing on policy; Trump's policies are somewhat known, but Harris has been silent.
The current strategy of staying silent and letting the press handle the narrative reflects a shift in political tactics.
There is concern about electing a candidate without clear policy positions or public discourse.
Social media has heightened expectations for political figures to be vocal and transparent.
Criticisms of Harris include skepticism about her ability to change policies while already in office.
Historical examples, such as Johnson and Kennedy, show that VPs may have differing policies from Presidents.
The pendulum of cultural and political trends often swings from one extreme to the other, influencing market behavior.
Social media and current cultural dynamics affect how comedy and political commentary are received.
The market trends, such as real estate prices, are influenced by broader economic conditions and cultural shifts.
Reversion to the mean is a concept where extreme market movements often correct back to an equilibrium.
Understanding financial trends and market cycles can help in making informed investment decisions.
What Powell discussed at Jackson Hole.

For more information, visit the show notes at https://moneytreepodcast.com/jackson-hole-revelation-637

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Roger Silk joins us to discuss TIPs, treasuries, and inflation, and more! He explains the nuances of the repo market, potential risks, and its role in the broader financial system.

Silk also touches on the impact of interest rates on asset values and the banking sector from his time at World Bank. Silk also discusses complex financial products like treasury inflation-protected securities!

Join us today as we discuss...

Roger discusses his background, including his PhD in applied economics and founding of Sterling Foundation Management.
Roger describes his work at the World Bank, focusing on treasury operations and the repo market.
The potential problems in the repo market, including issues during financial crises.
How interest rates impact asset valuations and bank profits, particularly during periods of zero interest rates.
The role of human capital in risk assessment and the importance of individual goals in portfolio management.
The risks associated with inflation, especially in relation to complex financial instruments like TIPS.
The challenges and complexities of understanding and investing in TIPS as an inflation hedge.
Alternative assets like gold and farmland, distinguishing between gold as money and farmland as an investment.
Roger's book The Investor's Dilemma Decoded.

For more information, visit the show notes at https://moneytreepodcast.com/treasuries-and-inflation-roger-silk-636

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A lot of volatility exists in the stock market right now, but did you know you can actually benefit from it?

Today we talk about how market reactions are driven by expectations versus reality, with surprises like unexpected Fed actions causing significant volatility.

Political uncertainty certainly has an impact on the market and you can't even rely on Wall Street predictions. That's why it's crucial to understand market sentiment and how everyone’s collective behavior influences market trends over trying to predict the market itself!

Today we discuss...

The recent stock market volatility and the aim to understand it without getting bogged down in specifics.
How market reactions often follow Fed announcements, but these are just correlations, not direct causes.
How volatility can also be triggered by political uncertainty, such as the potential outcomes of upcoming elections.
The Fed’s future rate moves and their unexpectedness contribute significantly to market shifts.
Wall Street predictions can be inaccurate, with current expectations showing a high chance of rate cuts in the future despite past errors.
People don't fully realize inflation's impact because it is largely contained.
Personal inflation rates, such as grocery bills or car prices, may be much higher than CPI figures suggest.
The old methods of addressing inflation, like investing in the S&P 500, might not be effective against current "silent inflation."
The currency market is massive, and the carry trade is typically suited for large institutions rather than individual investors.
Lumber prices have dropped significantly, correlating with the housing market and broader economic conditions.
Housing affordability has decreased, with higher income levels required to afford typical homes in many markets.

For more information, visit the show notes at https://moneytreepodcast.com/volatility-exists-635

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Do you have proper protection for your portfolio? If not, gold might be the solution for you. Rich Checkan is here today to discuss the "stealth gold market." He delves into the cultural differences in gold ownership between Eastern and Western investors. He also touches on the distinct dynamics of the silver market and the industrial uses and market behavior of platinum and palladium. We also discuss the manipulation of gold prices and the broader implications of the massive money printing and national debt on the gold market.

Today we discuss...

Asset Strategies International deals in gold, silver, platinum, palladium, bars, coins, certificates, and rare coins.
The current gold market is described as a "stealth gold market" due to its consolidation and recent breakout.
Western investors are hesitant to buy gold at high prices, while Eastern buyers and central banks support the market.
There has been a significant transfer of gold from the West to the East.
The premiums for gold are higher on the Shanghai Gold Exchange compared to the London Exchange.
Central banks are buying gold to reduce their dollar reserves and increase holdings in gold.
The silver market is also seeing interest, with silver prices at about 50-60% of their all-time highs.
Platinum and palladium are primarily industrial metals, used in jewelry and catalytic converters.
The demand for silver is expected to increase due to its use in green technologies like solar panels.
The gold market is influenced by various factors, including geopolitical issues and economic concerns.
Central bank buying of gold has been high due to concerns about the US dollar and debt.
The relationship between debt, currency, and gold is often misunderstood, leading to underestimation of gold's value.

For more information, visit the show notes at https://moneytreepodcast.com/protection-for-your-portfolio-rich-checkan-634

Today's Panelists:

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

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There's new investing framework you need to be aware of! Join us today as we discuss what it is. Today we chat about the recent performance of the S&P 500, the current economic system, which is reliant on money printing by the Federal Reserve, and the lack of viable alternatives to this system. We need to be able to adapt to new information and market conditions, even when it challenges previous assumptions. Investors to be flexible in their thinking and strategy.

Join us as we discuss...

The S&P 500 has seen a strong upward trend but experienced a recent decline.
Recent job numbers were significantly lower than expected, causing disappointment.
The current economic environment is complex, with inflation subsiding but not expected to return drastically.
The system heavily relies on quantitative easing (money printing), with no easy solution to stop it without severe consequences.
Asset prices, including stocks and real estate, are largely influenced by the Fed's balance sheet.
Technology and crypto are seen as the primary assets that might outperform inflation.
Real estate and other traditional investments may not keep up with inflation.
Changing perspectives and adapting to new information is crucial for investors.
Current market conditions, including potential softening and election uncertainties, may impact future performance.
The framework for understanding inflation and market dynamics is evolving, and past assumptions may no longer apply.

For more information, visit the show notes at https://moneytreepodcast.com/new-investing-framework-633

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Bob Elliott discusses how investing in hedge funds can be for everyone! Elliott highlighted the traditional "two-and-twenty" fee structure, common in hedge funds, private equity, and other alternative assets, which can significantly erode investor returns. His firm aims to replicate these strategies, including equity long-short and global macro, using advanced machine learning to infer hedge fund positions from return data, making them accessible at lower fees for the average investor.

Today we discuss...

Bob's focus to bring low-cost indexing to the world of two-and-twenty, similar to the impact of stock and bond indexing.
Hedge fund strategies, despite being expensive, offer good returns with lower volatility and drawdowns compared to stocks.
Various hedge fund strategies include equity long-short, global macro, fixed income, and emerging market strategies.
Real-time performance data helps in understanding and replicating hedge fund strategies.
The current economic cycle is income-driven rather than credit-driven, making it more durable to rising interest rates.
Overvaluation and high expectations suggest that now may not be the best time to invest heavily in stocks.
The similarities between the current period and the 1970s highlight the importance of diversified portfolios.
Factors like de-globalization, geopolitical tensions, and inflationary pressures could influence future economic dynamics.
Volatility in market expectations and the reality of economic conditions contribute to the current buoyant market despite high interest rates.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/investing-in-hedge-funds-bob-elliot-632

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In the financial markets, it's common to spurious correlations based on historical data. However, the economic landscape has evolved, and banks now invest more in treasuries and borrow from the Fed rather than traditional lending. This shift questions the yield curve's predictive power. Additionally, spurious correlations show absurd links between unrelated data points, emphasizing the need for critical analysis of data to avoid misleading narratives.

Today we discuss...

Financial markets often draw conclusions from patterns, such as the inverted yield curve predicting recessions. Today's economy differs from 30 years ago, with banks favoring treasuries over traditional lending, altering the yield curve's predictive power. Correlation does not always imply causation; the inverted yield curve's causative effect may be weakened. Spurious correlations can be humorous but highlight the pitfalls of finding meaning in random data patterns. The bond market, at $130 trillion, dwarfs the $50 trillion US stock market and $100 trillion global stock market. The increasing debt and bond market highlight the importance of access to capital. AI's impact is currently seen as limited by many CEOs, viewing it as a potential rather than immediate profit driver. Microsoft's expenses on data centers have increased significantly, reflecting the infrastructure investment for cloud and AI services. Commercial real estate faces challenges, with significant losses on properties due to rising interest rates and reduced demand. Residential real estate is also under pressure, with 41.4% of median income now spent on new mortgages, surpassing 2008 levels.

For more information, visit the show notes at https://moneytreepodcast.com/spurious-correlations-631

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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The crypto trade continues to stay strong! Do you know where to invest? Join us for an interesting conversation with Paul Rosenberg as he shares some tips and current insights on the crypto space. Paul discusses the state of Bitcoin and Ethereum, the challenges they face, and the implications of their integration into mainstream financial systems through ETFs.

He also highlights the geopolitical and economic shifts impacting the global financial landscape.

Today we discuss...

Paul's background in electrical construction and engineering and his time in the early cypherpunk community.
His early company called Crypto Hippie that provided internet privacy.
Paul's monthly newsletter at freemansperspective.com.
How a majority of illicit activities use traditional currencies like the US dollar.
Bitcoin has remained consistent, with its value tied to supply and demand rather than being a traditional investment vehicle.
Bitcoin ETFs are emerging due to high demand, with many US citizens owning some Bitcoin.
Ethereum runs smart contracts and has experienced technical challenges and governance changes.
Other cryptocurrencies serve as tools for specific uses rather than investment vehicles.
ETFs might pull Bitcoin into wallets over which there is some regulatory control.
Bitcoin can evade currency controls, making it valuable in certain situations.
The global east and south are building their own monetary systems, moving away from the US dollar.
Holding physical assets and stocks in real, productive companies is advisable.
The US and European corporations are vulnerable as the "third world" becomes more self-sufficient.

For more information, visit the show notes at https://moneytreepodcast.com/crypto-trade-continues-paul-rosenberg-630

Today's Panelists:

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

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Did you know ice baths can help you keep a cool head when the markets experience a small pullback? They have so many additional benefits you may never thought of! In this weeks episode we discuss ice baths, the market, housing data, and more.

We talk about confusing and contradictory signals in current trends, the importance of being cautious during a statistically weak period in the stock market, and watching market trends closely to make informed decisions.

Today we discuss...

Morning routines for stress relief and energy.
The confusion and contradictory signals in current financial markets.
The importance of being cautious, especially during a statistically weak period for the stock market.
Watching market trends closely to make informed decisions.
There is a mention of a listener, Charles, who corrected an error about the company behind Three Mile Island.
How the bond market is indicating that rates may drop soon.
The conversation touches on the performance of various market indexes like the S&P 500, NASDAQ, and Russell 2000.
They note that the market is confusing, with different sectors showing different trends.
Lightening up portfolios during the current period, which is typically weak statistically.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/small-pullback-ice-baths-629

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Join us today as Blake Christian reveals the secrets of Opportunity Zone funds. He's here to explain the flexibility and tax benefits of these funds. He highlights the program's role in encouraging investments in underserved communities. He also shares the challenges in navigating the rules and compares OZ funds with other tax deferral strategies like 1031 exchanges. Prepare to learn everything you've ever needed to know about OZ funds!

We discuss...

How OZ funds allow deferring capital gains if reinvested within 180 days, with potential tax-free appreciation if held for 10 years.
Which six states do not conform to Opportunity Zone benefits.
Over 8,000 census tracts qualify for Opportunity Zone investments, targeting underserved communities with high unemployment and welfare recipients.
How OZ funds can be used for real estate and operating businesses, attracting investments into otherwise neglected areas.
The complexities and potential pitfalls in structuring OZ funds, including the necessity of making proper elections and meeting improvement requirements.
When combining Opportunity Zone funds with Section 1202 qualified small business stock can provide additional tax benefits.
Installment sales are a simpler alternative for deferring gains but carry risks of higher future tax rates.
California aggressively taxes deferred gains from 1031 exchanges and Opportunity Zones, even if the taxpayer relocates to another state.

For more information, visit the show notes at https://moneytreepodcast.com/the-secrets-of-opportunity-zone-funds-blake-christian-628

Today's Panelists:

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

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We reveal the next hot trend and cover all the hot topics. We discuss free speech, political violence, and how bad ideas are necessary to recognize good ones.

Additionally, we talk discuss energy consumption, the increasing demand driven by AI and the need for clean energy solutions like nuclear power. We also discuss the growth in data centers and the importance of investing in energy and technology sectors to address these trends.

Today we discuss...

Recent events including a Trump rally and an assassination attempt.
Emphasis on the rejection of violence regardless of political affiliation.
Importance of staying and engaging in political discourse rather than leaving.
Free speech and the importance of hearing both good and bad ideas.
The Biden administration's bill to expedite nuclear power plant regulations.
Highlighting the energy consumption of AI compared to Bitcoin and the potential issues it causes.
Investment opportunities in nuclear energy and data centers.
Historical trends in energy consumption and the rise of renewable energy.
Mention of technological advancements and their impact on energy needs.
Discussion on the rapid growth of AI and its implications for energy consumption.
Emphasis on the need for strategic solutions to meet growing energy demands.

For more information, visit the show notes at https://moneytreepodcast.com/next-hot-trend-627

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Nelson Chu joins us today to discuss the rise of private credit! He's here to share how private credit emerged as a significant player post-2008 financial crisis when banks scaled back their lending. Despite his initial lack of experience in credit, Nelson was drawn to private credit for its potential to offer shorter durations, lower minimum investments, and attractive yields compared to traditional bank loans.

Today we discuss...

How Nelson started his career in finance, working at Merrill Lynch, Bank of America, and BlackRock.
He left traditional finance to start a consulting company and then founded Percent, focusing on private credit.
Non-bank lenders fulfill the ongoing demand for loans by raising money from the private credit market.
How banks are finding ways to re-enter the lending market through joint ventures and leveraging other business parts.
The private credit market seeing pressure due to high interest rates and increasing defaults in consumer credit.
Competitive tension between banks and private credit lenders influences the cost of capital and lending rates.
How Nelson's company Percent focuses more on conventional private credit opportunities rather than real estate.
Lenders are being more selective in extending small business loans due to the current risk cycle.

For more information, visit the show notes at https://moneytreepodcast.com/the-rise-of-private-credit-nelson-chu-626

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Are you losing out on good investments due to confirmation bias? We often want clear, definitive answers to how to invest, but in financial markets and social media, this can be tricky. We tend to look for information that supports what we already believe, known as confirmation bias, and social media makes this worse by feeding us content that aligns with our views, creating echo chambers. The takeaway is that while data can guide us, it doesn't provide absolute certainty, and we need to stay aware of our biases and the limitations of the information we consume.

Today we discuss...

Understanding data interpretation is crucial; it's not about definitive conclusions but about probabilities.
Our tendency to see patterns where none may exist, like with the inverted yield curve and recessions, shows how we seek certainty.
Market predictions are complex; events like the 2011 gold crash challenge simplistic explanations.
Half-truths, more than outright lies, mislead us because they seem plausible but aren't entirely accurate.
Social media algorithms create filter bubbles, reinforcing our biases and limiting exposure to diverse viewpoints.
The influence of confirmation bias in political and social beliefs is profound, shaping our perceptions of reality.
Financial beliefs, like linking money printing directly to inflation, oversimplify complex economic realities.
Chart crimes and misleading visuals can distort perceptions, leading to erroneous conclusions about trends.
Bitcoin's price movements post-halving illustrate the complexities of market predictions and speculative fervor.

For more information, visit the show notes at https://moneytreepodcast.com/confirmation-bias-625

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Join us for a fascinating episode as we welcome Barry Martin, a seasoned expert in covered call option strategy. Barry shares his insights into the growing popularity of covered call writings, discussing how they have surged from $7 billion to $75 billion in just a few years. Whether you're an experienced trader or new to options, this episode offers valuable perspectives on managing risk and generating income through covered calls.

Today we discuss...

How the popularity of covered option writing has surged in recent years. Barry manages $1.3 billion in option overlay strategies at Sheldon Capital Management.
The decline in commission costs and increased options education have contributed to the growing interest in covered call writing.
Covered call writing is most beneficial in choppy, sideways markets, slightly up or down, where income generation is a key goal.
Barry emphasizes that selling options in low-volatility, low-interest-rate environments is less beneficial.
Barry advocates for using defensive, market-leading stocks with significant free cash flow for covered call writing.
Covered call writing is misunderstood as risky by some CPAs and advisors due to a lack of education and familiarity with the strategy.
Educating oneself, starting with basic strategies like covered calls, and minimizing risk are essential for successful options trading.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/the-growing-popularity-of-covered-call-option-strategy

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We are here to celebrate your independence from bad investing. Today we discuss investing, political commentary, and of course the U.S. debate. Listen in for investment insights and how politics often have little impact on stock market performance. The focus is on understanding market trends, with a detailed analysis of current market performance across various sectors, highlighting that a few high-performing stocks are driving overall market gains and more.

Today we discuss...

The UK's new prime minister and political changes post-Brexit.
The US presidential debate between Biden and Trump, with concerns about the candidates' competency.
Emphasis on the lack of substance in the debate and questions about who is actually running the country.
Discussion on the perceived gaslighting by political parties and media.
The importance of consistent investment strategy irrespective of political changes.
Market performance trends, focusing on high-performing stocks driving overall gains.
Advice on the benefits of indexing and diversification in investments.
Concluding thoughts on maintaining a disciplined investment approach despite market or political volatility.

For more information, visit the show notes at https://moneytreepodcast.com/independence-from-bad-investing-623

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Patricia Roberts joins us today to discuss how to give the gift of college with a 529 plan. She has spent over two decades guiding parents on how to prepare for the high costs of higher education and avoid the burden of student loan debt. Patricia played a pivotal role in launching a nonprofit program in New York City, providing seed money for college to 200,000 public school kindergartners. Now, Patricia works with Gift of College, bringing 529 education and student loan repayment benefits to workplaces. Today we discuss...

The insights and expertise of Patricia, a seasoned professional in college financial planning.
How to prepare for the high cost of higher education and avoid student loan debt.
How a 529 benefits can be passed to the family.
How Patricia helped launch a nonprofit program in New York City that provided seed money for college to 200,000 public school kindergartners.
Gift of College and how they promote 529 education and student loan repayment benefits in the workplace.
Patricia's book Route 529.

For more information, visit the show notes at https://moneytreepodcast.com/give-the-gift-of-college-patricia-roberts-622

Today's Panelists:

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

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Did you know your food choices effect your investing? Take the time to think about investing and the importance of knowing what you're getting into. Just like you should understand the food you eat, you should understand your investments. Our brains look for shortcuts, but skipping the details can lead to poor decisions. Whether it's food or stocks, doing the homework is crucial.

This week we discuss...

The differences in food ingredients in the US, which use artificial dyes and corn syrup, compared to other countries that use natural ingredients.
How the brain's pattern recognition and shortcuts can affect investing and emphasizes the importance of doing thorough research.
How few people actually do the hard work and most rely on others.
The need to understand what you are investing in just like you need to understanding what you are eating.
The importance of understanding market trends, particularly in gold and silver.
Using caution when investing in gold miners due to their volatility and boom-bust cycles.
The benefits of investing in royalty companies for their low capital requirements and consistent returns.
Happy Independence Day!

For more information, visit the show notes at https://moneytreepodcast.com/your-food-choices-effect-your-investing-621

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/your-food-choices-effect-your-investing-621

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Today we welcome Jason Crawshaw from Polaris to talk about investing in international markets. Originally from South Africa, he is now a portfolio manager here. His journey's been a rollercoaster, from business school in the US to cutting my teeth in Johannesburg's equity market. Now, for over a decade, he's called Polaris home, focusing on global value. Lately, he is locked on international plays, whether it's established or emerging markets. Learn more about the future of investing in international markets! T

his week we discuss...

Jason's experience in the equity market, particularly in fundamental equity analysis, with a focus on cash flow generation.
How Jason's investment strategy revolves around discounted cash flow analysis, particularly focusing on maintenance cash flow adjusted for inflation.
Jason's preference for international markets over the US due to perceived value opportunities.
The dominance of the US in global equity markets and the potential overvaluation compared to other regions.
Regions like Europe and their economic challenges, energy concerns, and regulatory issues.
Emerging markets: past enthusiasm and current challenges, especially in China.
Africa as a frontier market with demographic advantages but also currency and governance challenges, making it difficult for equity investors.
The importance of capital allocation and shareholder returns, and the impact of management decisions on stock performance.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-international-markets-jason-crawshaw-629

Today's Panelists:

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

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Did you know that Willie Mayes can teach us a lot about the stock market? Baseball and investing may have more in common than you think! We talk market statistics, market inefficiencies and arbitrage -- once a profitable strategy is widely known, it loses effectiveness due to widespread adoption (think the short squeeze on GameStop). We also discuss the potential decline of the US dollar's dominance as the world's reserve currency and the direction energy sources may go in the future. It's important to be financially prepared! Today we discuss...

Market statistics and sports statistics can be loosely tied together, with both requiring consideration of multiple metrics for evaluation. There is no single metric that defines the best stock or the greatest player in sports. Efficient market theory suggests that market inefficiencies are arbitraged out over time as more people exploit them. How hedge funds often exploit small arbitrage opportunities, but these opportunities may disappear once they are widely known. Momentum trading strategies can lose effectiveness as more market participants adopt them. How some investors track congressional actions and use them as indicators for investment decisions, but this strategy may lose effectiveness over time. Roaring Kitty's success with GameStop illustrates how retail investors can challenge institutional investors by exploiting publicly available information. The Senate passed a nuclear bill aimed at reducing costs and expediting the permitting process for nuclear energy projects. The expiration of a 50-year trade agreement with Saudi Arabia signals a shift in global power dynamics and highlights the need for the US to transition to alternative energy sources.

For more information, visit the show notes at https://moneytreepodcast.com/willie-mayes-can-teach-us-619

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Today we discuss the financial industry and the cycles of business. We have Liz Young from SoFi here to discuss her role in producing investment-related content across various platforms. The strategist shares insights into her career journey, emphasizing the importance of being open to unexpected opportunities.

Liz advises young professionals to explore different roles to discover their interests. We also talk market dynamics, Fed policies, and inflation! Join us as we discuss...

Investment-related content across various platforms for SoFi.
Macroeconomic trends and their impact on capital markets.
The importance of seizing opportunities in one's career.
The significance of workplace environment and personal skills for career satisfaction.
Embracing discomfort and learning from mistakes early in one's career.
The unpredictability of the finance industry and the need for resilience.
The influence of market conditions on personal happiness and resilience.
Considering the business cycle as a mental model for navigating market volatility.
The challenges of identifying the current phase of the business cycle.

Today's Panelists:

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

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Today’s markets have been quite uneventful, but consumer sentiment leads the way! Consumer confidence is down, potentially influenced by upcoming election concerns and negative economic rhetoric. The breadth of stocks above their 50-day moving averages is low, indicating a bearish tone, despite strong performance in the tech sector, particularly semiconductors, driven largely by Nvidia.

This uneven performance highlights the importance of staying agile and adaptable in investment strategies, as the economic environment is constantly shifting.

Today we discuss...

How the markets have been quite boring due to a lack of significant movement.
The Dow Jones Industrial Average has been almost flat.
Only twelve stocks in the entire S&P 500 have hit new 52-week highs recently.
There are concerns about the economy and potential election results influencing market sentiment.
Real estate prices continue to rise despite affordability issues.
Growth stocks, particularly in the tech sector, are outperforming value stocks.
The US stock market is outperforming the rest of the world.
Modern Dow Theory suggests semiconductors are the new transports, indicating their importance in the current market.
Many indicators suggest caution is warranted in the current market environment.
Technology and AI, particularly companies like Nvidia, are driving market performance.
Inflation has significantly increased the cost of living, requiring much higher incomes to maintain the same standard of living as in the past.

For more information, visit the show notes at https://moneytreepodcast.com/consumer-sentiment-leads-the-way-617

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Do you think there are conspiracies in common financial practices? I do. Michael Edesess thinks so too. He thinks there may be some conspiracies with pensions as well. He explains why strategies like rebalancing, diversification, mean variance optimization, and tax loss harvesting might not be as beneficial as they seem. Michael sheds light on how institutions like Ivy League endowments and public pension funds waste billions on active management that underperforms simple market indices, driven by the industry's profit motives rather than investors' best interests.

Today we discuss...

Michael's unexpected entry into the finance world, influenced by a classmate's suggestion to explore a brokerage firm using mathematics.
Why the finance industry and its practices, such as rebalancing and tax loss harvesting, fundamentally flawed.
Michael's perspective on rebalancing, challenging the belief that it improves investment returns, and why he believes this advice is often misguided.
The misconception of diversification in mutual funds and clarify the real benefits of diversification according to Harry Markowitz's theory.
Modern portfolio theory (MPT) and Michael's critique of its practical application, especially concerning mean variance optimization.
Why tax loss harvesting is not as beneficial as commonly perceived and the costs associated with it.
Robo advisors, their cost efficiency, and why Michael believes they still don't offer significant value over simple index funds.
The inefficiency and high costs of investment management for Ivy League endowment funds and public pension funds, labeling the industry as a conspiracy of inefficiency.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/conspiracies-in-common-financial-practices-michael-edesess-616

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Mr. Roaring Kitty and stonks are back! Today we have a discussion about GameStop's recent stock movements and the role of individual investors in market volatility. We also talk about asset allocation, the current disparity between large-cap and small-cap stocks, and the potential implications of rising interest rates.

Today we discuss...

Mr. Roaring Kitty's return and his influence on GameStop's stock.
The importance of mindset in success, regardless of external circumstances.
Challenges to the statement that wealthy people succeed due to access to opportunities.
GameStop's stock, its volatility, and market speculation.
Structured products as potentially misleading investments influenced by institutional interests.
The difference in performance between large and small-cap stocks, influenced by inflation and interest rates.
Business development companies' reliance on floating rates and potential risks from rising interest rates.
The complexity of understanding business development companies and their investment potential.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/stonks-are-back-615

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Do you think that Bitcoin can reshape the economy for a better future? Today Jeff Booth is here to discuss the future here sees for the economy and Bitcoin's role in it. Jeff believes that inflation, caused by governments manipulating money supply, is unsustainable. He sees Bitcoin as a decentralized solution. Despite challenges, he's optimistic about Bitcoin's potential to reshape the global economy. Today we discuss...

The idea that the natural state of a free market is deflation, where prices fall as technology advances. He argues that inflation, caused by governments manipulating money supply, is unsustainable and leads to a control system rather than a free market. How Bitcoin is seen as a decentralized solution to this problem, providing a pathway to a more abundant future. Jeff highlights the importance of understanding deflation and its impact on the economy, especially in comparison to inflation. While Bitcoin adoption is growing, there are still hurdles to overcome in making it easier for people to use. How other cryptocurrencies as scams - Bitcoin stands out as the only decentralized and secure protocol.

For more information, visit the show notes at https://moneytreepodcast.com/can-bitcoin-reshape-the-economy-jeff-booth-614

Today's Panelists:

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

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Nuclear energy is coming sooner than you think! Today we discuss the sudden shift in media coverage around energy, where negative talk about nuclear power has vanished, and the hype around wind, solar, and other green technologies has faded.

Recently, the White House announced support for large-scale nuclear reactors, emphasizing their necessity for climate goals, marking a significant policy shift. This change in media and government stance indicates a growing recognition of nuclear energy's practicality as a crucial component of our clean energy future.

Today we discuss...

The cessation of negative discourse around nuclear energy and the halt in positive rhetoric about alternative technologies like wind and solar.
Curiosity about the uniformity of media narratives and the concept of the persuasion bubble.
The need to analyze media narratives critically and avoid being swayed by sensationalism.
Recent governmental support for large-scale nuclear reactor development.
Challenges in energy infrastructure hindering the adoption of alternative energies.
Reflections on market valuation trends and the importance of caution in investing.
Observations on Nvidia's growth and historical parallels with tech giants' valuations.
Significance of positive developments in various sectors, despite political complexities.

For more information, visit the show notes at https://moneytreepodcast.com/nuclear-energy-is-coming-613

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Oliver gives us the scoop on Truflation, the solution to finding alternative data on all the economic data. Forget CPI and PCE—Truflation offers a fresh perspective, scooping up real-time data from various sources. Oliver dives into why traditional metrics miss the mark, explaining how Truflation tackles these issues using multiple data sources. Oliver urges us to think beyond the usual metrics and consider real-world factors shaping our economic outlook.

Today we discuss...

How Truflation offers an alternative view of inflation compared to traditional metrics like CPI and PCE.
How Truflation tracks over 14 million items daily from 40 different data sources.
Traditional metrics like CPI use outdated methods and surveys.
Why customers adapt their spending, often switching to cheaper products.
Market reactions often depend on government-reported numbers like CPI and PCE.
Historical data revisions by government agencies can cause market instability.
Housing costs are weighted differently by Truflation compared to CPI.
Major companies like Unilever and General Mills adjusting prices due to consumer pushback.
Global trends show a downward trajectory in inflation, but with variations.
Concerns include high household debt and potential stagflation.
How monitoring consumer expenditure, household debt, and delinquency rates is crucial.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Pro College Planners

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Crypto Week was a double header. ETH ETFs are approved but not yet live. CBDC's area dead... or just sleeping... Don't count them out, but we can party today. Also in the news...

US tax trends can get tricky! No matter where you fall on the political spectrum, I think we can all agree, no one wants to pay higher taxes. Today we also discuss the nature of markets. Managing risk is crucial, especially during downturns. Success in investing requires understanding your emotions and personal risk tolerance. Today we discuss...

Markets fluctuate: they rise about 70% of the time, fall 30%, and rarely move sideways.
Understanding market risk is crucial for managing investments during downturns.
Investors' risk tolerance shifts with market conditions.
Emotional responses to market movements often lead to poor decision-making.
Studies suggest that individuals who don't frequently check their investments tend to perform better.
Various factors, including government policies, influence market dynamics.
Government decisions on CBDCs may impact currency stability and investment strategies.
Concerns about hyperinflation should be tempered by an understanding of historical inflation trends.
Calls for higher taxes on the rich may not yield desired outcomes and could lead to unintended consequences.
Aligning policy with human nature can lead to more effective outcomes in economic governance.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Stan "The Annuity Man" Haithcock shares annuity truths and how to make informed decisions. Stan's all about cutting through the fog of annuities, giving it to you straight. We've had him on before, and it's always a good time. With a background in major finance firms, he ditched Wall Street to focus on annuity truths. His motto? Annuities are about what they'll actually do, not what they might. Stan's here to clear up the misconceptions and help you make informed decisions for your financial future.

Today we discuss...

The importance of focusing on what annuities will actually do, not speculative promises
Understanding annuities as contracts and making decisions based on contractual guarantees
Warnings against buying annuities for growth and Stan's advice to ask hard questions and seek clarity on contractual terms
The explanation of different types of annuities, stressing the importance of choosing the right one for individual needs.
The misconceptions about annuities as tax-free income sources or vehicles for infinite banking strategies
The role of annuities in retirement accounts, emphasizing the need to focus on contractual guarantees rather than seeking double tax deferral

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/annuity-truths-stan-the-annuity-man-610

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Let's talk about the meme stock craze and how it impacted Jim Simons! Today we also highlight rising credit card and auto loan delinquencies, the depletion of post-pandemic savings, and financial strains from higher costs of essentials amid high interest rates. And did you know there was also brief resurgence of meme stocks like GameStop and AMC?

Join us as we discuss...

Jim Simons' investment success using mathematical models. "The Man Who Solved the Market" book by Greg Zuckerman. The Renaissance Technologies and its significant returns. The impact of wealth and charitable giving. Examination of tax strategies and the concept of presidential libraries. Debate on credit card debt and utilization rates. Discussion on the rising cost of living and inflation. Mention of the recent surge and drop in meme stocks like GameStop. Commentary on the Federal Reserve's role in managing financial crises.

For more information, visit the show notes at https://moneytreepodcast.com/the-meme-stock-craze-609

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Chad Willardson shares insights into how to he helps to encourage good financial habits for entrepreneurs. Chad shares his journey from Merrill Lynch to founding his own firm and sheds light on the rollercoaster ride of managing finances for entrepreneurs.

Chad highlights the value of cultivating good financial habits, no matter where you are on your wealth journey.

Today we discuss:

Chad's background, including nine years at Merrill Lynch and founding Pacific Capital in 2011
Chad's clientele, focusing on entrepreneurs with at least $10 million to invest
The unique financial needs and challenges of entrepreneurs
How entrepreneurs typically have a higher risk tolerance and unique approach to financial planning
The asset-rich but cash-poor nature of many entrepreneurs
The perpetual entrepreneurial mindset and generational wealth transfer
The importance of financial education and family planning to navigate wealth responsibly
Cultivating financial discipline and good habits at any stage of wealth accumulation

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/financial-habits-for-entrepreneurs-chad-willardson-608

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There are so many different narratives of investing that it's important to know when you need to think twice. Today we delve into the murky waters of legislative bills and how they're often loaded with hidden surprises. We also navigate the labyrinth of regulatory standards and keep a keen eye on broader economic trends, like shifts in commodities such as gold and natural gas. Ultimately, it's about staying sharp, questioning the mainstream narrative, and making informed decisions in both politics and investing.

Today we discuss...

Politics and its perceived distance from everyday life sparks disengagement due to a lack of perceived impact.
How legislative Bills often have hidden agendas.
Investing requires staying informed and questioning mainstream narratives.
The Fiduciary Rule, while seeming beneficial on the surface, raises complexities and implications for financial advisors and investors.
Analyzing trends in commodity markets like gold and natural gas is crucial for investment strategies.
Large nonprofits' operations and tax reforms are topics for consideration to enhance societal contributions.
Emphasizing skepticism and critical analysis is essential for evaluating narratives and making informed decisions.
Market trends, including rising interest rates, affect commodities like gold.
Centralization versus decentralization trends affect various sectors, including investing.
The fiduciary standard's implications reveal fundamental contradictions and challenges in the financial industry.
Nonprofits' significant wealth accumulation raises questions about taxation and societal contributions.
Skepticism and critical thinking are crucial for navigating complex narratives in politics, investing, and societal issues.
Investing in commodities like natural gas requires understanding seasonal trends and economic indicators.
Understanding narratives and trends is essential for making informed investment decisions and navigating complex financial landscapes.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/narratives-of-investing-607

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James Davolos from Horizon Kineticsm discusses the challenges of conventional wisdom in the world of investing. This exciting discussion delved into the intricacies of market dynamics, particularly focusing on the enduring trend of growth outperforming value. Davolos dissected the evolution of this trend, attributing it to factors such as passive investing, low-interest rates, and fiscal spending. Throughout, Davolos provided nuanced insights and offered a thought-provoking analysis of current market conditions.

Today we discuss:

Factors contributing to the divergence between growth and value investing Historical context of value outperformance following the tech bubble burst Examination of market structure and the dominance of passive investing Challenges for value investors amid the current market dynamics Potential transition points for a shift in market dynamics Analysis of fundamental and market structure factors affecting investment strategies Consideration of the real estate market's sensitivity to interest rates Debate on the sustainability of fiscal spending and its implications Impact of rising interest rates on the economy and financial markets Davolos' perspective on the significance of real yields and the value of the US dollar Resilience of gold prices despite headwinds from real yields and the US dollar

For more information, visit the show notes at https://moneytreepodcast.com/challenging-conventional-wisdom-james-davolos-606

Today's Panelists:

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

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Did you know your brain is broken? Today you find out why! In this episode we talk about coffee and humor and of course the stock market. We get into some deep stuff about cognitive dissonance and how it messes with our heads. Of course the conversation reroutes to investing. You gotta stay flexible and open-minded with your strategies. It's all about rolling with the punches and being willing to adapt, you know?

Today we discuss:

How history can't be viewed through the same lens as the present; it's a different time period.
The understanding of science evolves over time; what was once believed as truth may be debunked later.
Investing strategies, like buy and hold, may not always be effective and require flexibility.
Cognitive dissonance affects how people process conflicting information and form new realities.
How regularly evaluating investment decisions is essential to adapt to changing market conditions.
Sentiment in markets can shift unpredictably based on perceived threats or opportunities.
How the top five careers of millionaires as presented by Dave Ramsey's survey may surprise you!
We also answer a listener question!

For more information, visit the show notes at https://moneytreepodcast.com/your-brain-is-broken-605

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Joseph Furnari comes on to discuss his technical analysis model for investment strategies. By combining fundamental knowledge with technical insights, Joe has crafted a simple yet effective model that prioritizes key indicators such as stock price, moving averages, and trend patterns to predict future performance while minimizing complexity. Joe's journey exemplifies a disciplined and systematic approach to investing, guided by a deep understanding of both fundamental principles and technical analysis techniques, driving ongoing research and refinement to optimize portfolio performance.

Today we discuss:

The importance of technical analysis for investors seeking a robust methodology
Joe's frustrations with common investor mistakes led him to explore technical analysis
How Joe's technical analysis model focuses on key indicators such as stock price, 10-day, and 200-day moving averages, aiming for simplicity and effectiveness
How through meticulous backtesting spanning over 50 years, Joe refined his model to accurately predict market movements and optimize investment decisions
The methodology that involves owning individual stocks, with a screening process to identify top opportunities guided by Joe's model's logic
How risk management in Joe's model is primarily based on technical analysis indicators, with sell rules designed to mitigate potential losses and optimize returns

For more information, visit the show notes at https://moneytreepodcast.com/technical-analysis-model-joseph-furnari-604

Today's Panelists:

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

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The housing market has been a wild ride since COVID hit, with remote work driving people inland for cheaper homes, though rising interest rates are making it tougher to afford. Surprisingly, despite talk of a housing bubble, foreclosures remain low, suggesting people aren't panicking just yet, despite increasing credit card debt. It's a mixed bag out there, but that's the market for you – always keeping us guessing!

Today we discuss:

Market expectations of rate cuts not materializing as previously predicted
Market prediction metrics and data gathering from betting sites
Concerns about economic slowdown despite higher inflation rates
Potential impact of economic conditions on labor market and consumer spending
Caution against hyperinflation fears, emphasizing gradual economic changes
Overview of housing market trends, including regional shifts and affordability challenges
Analysis of housing inventory levels and their implications for market dynamics
Comparison of home price changes across different regions and time periods
Examination of foreclosure rates as indicators of financial stress in the housing market

For more information, visit the show notes at https://moneytreepodcast.com/the-housing-market-603

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Kristen Ragusin joins us to explore central bank digital currencies (CBDC). Kristen has had quite the journey with money. It all started when she was just five years old, earning her allowance by explaining stock markets to her dad. After college, she spent 28 years at Merrill Lynch, managing money and building a practice. Now, she's at Raymond James doing more of the same. But her passion extends beyond traditional finance; she's also a money reformer, advocating for changes in the money system to create freedom and prosperity.

Today we discuss:

Insights on the financial crisis of 2008
Kristen's views on cryptocurrency and blockchain
Implications of banks creating money and it's ties to consumer debt
Predictions for the future of money and finance
Discusses the impact of CBDCs and the need for public awareness and pushback
Distinction between digital money and blockchain

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/exploring-central-bank-digital-currencies-kristen-ragusin-602

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Today we talk about chart crimes! We dive into how charts can sometimes tell a misleading story. We have to stress the importance of looking beyond the surface and understanding the narratives behind the data. This chat is full of insights into the complexities of investing and the importance of staying adaptable in the ever-changing market landscape.

Today we discuss:

The concept of "chart crimes" and how charts are used to convey specific narratives
Discussion on the performance of different asset classes over time, including equities and bonds
Emphasis on understanding economic cycles and paradigm shifts in shaping investment strategies
Considerations for adapting investment approaches to changing market conditions
Exploration of strategies like stock buybacks, dividend investing, and sector rotation
Caution against the simplistic narrative of buy and hold, highlighting the importance of nuanced decision-making
Acknowledgment of the complexities and risks involved in market timing and investment decision-making

For more information, visit the show notes at https://moneytreepodcast.com/chart-crimes-601

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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We're spending time answering your listener questions about investing! Picture diversification like a balanced diet for your money, protecting against market surprises. Learn from mistakes to avoid emotional investing pitfalls. Doug warns about missing out on employer perks, while Barb stresses portfolio balance. Follow these tips for savvy investing and financial advice!

Diversify investments across various assets for stability Learn from emotional investment mistakes to avoid chasing returns Utilize employer retirement plans for long-term growth Regularly review and adjust portfolios to align with goals Make informed decisions regarding student loan debt and education expenses Prioritize diversification and informed choices in financial planning How to access your risk tolerance

Today's Panelists:

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

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We discuss the life of Daniel Kahneman, a pioneer in behavioral economics who challenged conventional economic thinking. His work reshaped how we view decision-making and market behavior. We also discuss investment strategies, touching on the idea of comparing assets using technical analysis to gauge opportunity costs. Understanding trends before diving into investments is key, as it helps investors make more informed decisions.

Join us for another though provoking conversation as we discuss:

Daniel Kahneman, father of behavioral economics, passed away at 90
How Kahneman's work challenged traditional economic assumptions about rationality and market efficiency
Kahneman's experiments highlighted cognitive biases in decision-making
Reflecting on Kahneman's legacy, how investors are encouraged to explore his work and its implications for decision-making
Technical analysis and emphasizing the importance of comparing assets to identify investment opportunities
The example of Apple's performance relative to the S&P 500 illustrates the concept of opportunity cost in investing
Using natural gas as an example of applying both technical and fundamental analysis to investment decisions

For more information, visit the show notes at https://moneytreepodcast.com/daniel-kahneman-599

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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This week we interview Dave Foster, a 1031 expert and Qualified Intermediary. We dive into the benefits of using 1031 exchanges and how it can enhance the returns of your real estate investments by savings on taxes.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/tax-benefits-of-1031-exchanges-david-foster-598

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We explore stock market expectations and how to affect your performance. Is your crystal ball a bit foggy? That uncertainty sends stock prices on a wild rollercoaster ride. Watch out for curveballs, like when interest rates and stocks go on totally different paths, making us rethink everything we thought we knew about investing. Bottom line... The market's a tricky beast, always keeping us on our toes! Today we discuss:

Volatility arises as the market reacts to unexpected news and adjusts stock prices accordingly
Lower-than-expected earnings can cause a stock's price to drop, reflecting a reevaluation of its value
Market volatility is driven by discrepancies between actual and expected outcomes
Anomalies like mispriced stocks present opportunities for investors to capitalize on market inefficiencies
Traditional assumptions about market behavior may be challenged by shifts in dynamics, such as the disconnect between interest rates and stock prices
Continuous scrutiny of assumptions and adaptation to changing conditions are essential for understanding market behavior

For more information, visit the show notes at https://moneytreepodcast.com/stock-market-expectations-597

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

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

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

Today's Panelists:

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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

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

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

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

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

Today's Panelists:

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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

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

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

Today's Panelists:

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

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

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

Key Takeaways:

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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

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

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

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

Today's Panelists:

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

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

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

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

Today's Panelists:

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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

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

Today's Panelists:

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Today's Panelists:

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

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

The big story today is JAPAN.

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

Also in the news...

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

We discuss...

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

Today's Panelists:

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

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

Today's Panelists:

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Today's Panelists:

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Join us for an interesting episode about compounding.

Today's Panelists:

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

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

Today's Panelists:

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

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Happy 2024!

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Pro College Planners

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

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

Today's Panelists:

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Today's Panelists:

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection

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

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

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

Join us this week for a fun Holiday Special.

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Today's Panelists:

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

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

Today's Panelists:

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Today's Panelists:

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

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

Today's Panelists:

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Today's Panelists:

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

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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

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

Today's Panelists:

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

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

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

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

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

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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

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

Today's Panelists:

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

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This week the Fed spoke and the market listened. Here is what it heard...

We still don't believe you J Powell... We know you will lower rates next year.
The markets should be higher despite any rational thought.
HODL
Nuff Said...
Mic Drop...

And in other news... People still cannot pay their credit card bills... or buy new homes... or afford to continue to spend on a debt fueled buying binge... And no one seems to notice or care. Alice in Wonderland is plain vanilla might be able to understand this, but not many others can.

For more information, visit the show notes at https://moneytreepodcast.com/the-fed-spoke-market-listened-inflation-553

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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We discuss essential lessons of investing in US financial history. We dive deep into lessons that all investors need to know. Big trend changes are coming and you need to be prepared. Paradigm shifts... Debt Jubilee... Growth Challenges... and more.

Join us for an interview with Mark Higgins, who is a market historian and student of financial history.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-us-financial-history-mark-higgins

Today's Panelists:

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

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We discuss some crazy mental models about how the world works that can help you be successful in investing. Are these correlations or causations? Your answer can give you insight into your future. Other tell tales signs are the commonalities of Jordan Belfort and Warren Buffett. Warren Buffett didn't become wealthy like you read about. There is an underlying secret that allowed him to become this rich and it isn't just by picking stocks.

This week we have a Halloween special episode where we reveal all the costumes that people wear are not what they seem.

For more information, visit the show notes at https://moneytreepodcast.com/jordan-belfort-and-warren-buffett-551

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Looking for credible news sources? Me too.

That's why I don't read the "news". I cultivate my sources from various places based on their ability to identify certain trends. This has taken me 20 years to filter

Want your own sources? Here are 6 tips to cultivate your own sources

How to cultivate investment sources

Stay away from major media, most of it is propaganda or paid-for advertising
Find independent sources and follow them for a while to get to know their perspective
Find competing sources (e.g. republican view vs democrat view). This is hard but extremely valuable
Find people who know how to think
Challenge your own views on things. Challenge your ego
Look for outliers or things that don't make sense

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Great interview this week with Stocktwits COE Rishi Khanna. We discuss how Stocktwits is changing the face of investing. We discuss Ai, deep fakes, Web3, decentralized ownership, investor sentiment, and more.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | Pro College Planners

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For more information, visit the show notes at https://moneytreepodcast.com/stocktwits-rishi-khanna

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Peter Higgins talks about high yield bonds and the next credit event.

If you are not worried about the next credit event, it could clean you out.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/next-credit-event-peter-higgins

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Even though the market has been dropping for the past 3 months, very few people think it is going lower.

BIG QUESTION: Why does virtually no one on Wall Street believe J Powell?

He has been clear. We have been clear. Rates will be higher for longer than most people think. The markets are starting to reflect it, wait till it is fully baked in. Not a rollercoaster I want to be on.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Pro College Planners

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We think we have free will and control over our lives, but we have much less control than we think. No I'm not talking about the government. I'm talking about the operating systems that control us. Habit formation, cognitive bias, emotions, prediction engines, misinformation and more.

This is a great episode if you want to change your life. Join us this week as we discuss how to change your investing with Mary Martin.

For more information, visit the show notes at https://moneytreepodcast.com/controls-your-investing-mary-martin

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Tim Baker | Metric Financial

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Tim Baker joins me to discuss the up coming credit event, what a credit event is, and how you can prepare.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Tim Baker | Metric Financial

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Get some insider information in the real estate market from our interview with Tim Whalen. You need to hear this if you own real estate. It is starting to happen and I'm glad I made the changes to my portfolio last year before this came about. Great insights this week from Tim. Join us to hear what he thinks will happen next.

For more information, visit the show notes at https://moneytreepodcast.com/insider-information-in-real-estate-market-tim-wallen

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Summer is over and fall market seasonality is here. Join us to see what this means for your portfolio. If history repeats this will impact your portfolio more than you know.

BTW did you notice the equal weight SP500 is now negative for the year? Yup... almost no one else did either, but it's important. join us to find out why.

For more information, visit the show notes at https://moneytreepodcast.com/fall-market-seasonality-543

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Amnol Singh talks about the swing traders mindset and how to prevent yourself from making big mistakes. We discuss how to use different styles in your favor, and why some methods work better than others. Join us this week to learn a new skillset that could help in a volatile market.

For more information, visit the show notes at https://moneytreepodcast.com/swing-trading-amnol-singh

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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WTF Happened in 1971 indeed...

Anyone over the age of 40 years old knows what happened in 1971. If you don't then this is essential information if you want to protect your wealth. Join us as we dive into a ton of data, charts and stories about why 1971 was the turning point where things started to go off the rails.

www.wtfhappenedin1971.com

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Investing legend Mark Yusko has a seasoned career at Morgan Creek prior to that he worked on the endowments at UNC and Notre Dame. Mark is a deep thinker and strategist when it comes to investing in the new era of digital currencies.

There is a lot of opportunity and challenges ahead. If you want to navigate the choppy waters, listen to this episode where we find out what Mark sees that we do not.

For more information, visit the show notes at https://moneytreepodcast.com/mark-yusko-new-era-digital-currencies

Today's Panelists:

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

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This week we discuss how fear and control negative affect your investing success. Wall Street... The media... Salespeople... All of them are working against your better judgement. We share these secrets this week on our show to help you become a better investor today.

Inverted yield curve, housing prices, household liquidity savings, income and more.

BTW This has nothing to do with Marijuana. But we do discuss it being the 6th largest cash crop in the US. Imagine when it becomes legal in all states. Goodbye sweet corn... Hello sweet Mary Jane.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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The housing crash is 100% certain according to Keith Weinhold. While we agreed with Keith on a lot of ideas on this episode, we do have a heated debate on why housing is not crashing yet and why it might take a while.

Join us this week on Money Tree Investing where we skewer some traditional thinking about real estate so you can find the best opportunities in the real estate market without taking a bath... although you should definitely bath daily.

Today's Panelists:

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

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Billionaire Ben Frasier is the podcast host of Invest Like A Billionaire. We discuss billionaire habits, how you too can become wealthy, and what to do immediately when you have extreme wealth. This is an in depth dive into billionaire wealth and what you can learn from it.

For more information, visit the show notes at https://moneytreepodcast.com/invest-like-a-billionaire-ben-fraser

Today's Panelists:

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

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Today's Panelists:

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

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This week we interview Wes Moss about the Happiness Retirement Project. We discuss a lot of research data on people who are the happiest in retirement. If you think you know about happiness in retirement, you haven't seen anything yet.

I learned a lot in this interview and will be applying much of the knowledge to my own practice. Join us this week for your own happiest retirement.

For more information, visit the show notes at https://moneytreepodcast.com/happiness-retirement-project-wes-moss

Today's Panelists:

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

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This week I came back from vacation to this surprise in the markets. I take one week off and what happens? You guessed it. not much. Well except for the market sell off, bounce back and bounce back again. It's all getting us ready for Labor day when the real traders get back to their desks. Well if they actually went to work in an office... Which according to Goldman Sachs is not happening.

We will see some changes coming up and we are going to talk about it with you. Join us for an interesting episode about all fun things you wanted to do on vacation but never did.

For more information, visit the show notes at https://moneytreepodcast.com/what-you-missed-in-the-markets-inflation-533

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Household budgets are getting tight. The middle class is getting squeezed. Credit card debt is through the roof. What comes next is not fun. This week we interview Tatiana Tsoir about some great budget hacks and choosing the correct tax advisor.

For more information, visit the show notes at https://moneytreepodcast.com/budget-hacks-tatiana-tsoir

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I went fishing with the family last week and caught this monster fish from the prehistoric era. It looked almost alien. I also learned a few things about inflation that we discussed in this episode which could be a leading indicator for the market direction.

For more information, visit the show notes at https://moneytreepodcast.com/relates-to-inflation-531

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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One of our favorite macro economists, Richard Duncan, joins us to discuss everything you want to know about, Inflation, China, recessions, bull-bear case for the future of the markets, and what are high rates going to do with the economy.

For more information, visit the show notes at https://moneytreepodcast.com/richard-duncan-macro-watch

Today's Panelists:

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

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Boris Dorfman joins us to share stories about real estate debt problems and opportunities. We also discuss, the next recession or crash, what is going on in California, skyrocketing vacancies, the office market looming doom, inflation and when rates will start to drop.

Today's Panelists:

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

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The Fed said what this week?

In case you missed it the Fed raised interest rates, Fitch downgraded the US debt based on REALITY. But no one seemed to care as everyone who has been investing for the past 20+ years already knows that reality doesn't matter in the stock market.

Also in the news... You didn't win the 1.35 billion dollar lottery. Here's why.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/fed-said-what-beware-of-inflation-527

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Scott Jelinick talks about the art of slow flip real estate deals. We discuss how to invest in real estate without investing in real estate, being a landlord, buying discounted paper, and scaling up the number of properties owned.

For more information, visit the show notes at https://moneytreepodcast.com/art-of-slow-flip-real-estate-scott-jelinek

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we discuss the markets and why things are so confusing. Stocks are on fire and it is leaving experts scratching their heads. No one can make heads of tails of this, yet that is not stopping the rocket ship higher... That is until it runs out of fuel and crashes back down to earth. We discuss this and more this week on Money Tree Investing Podcast.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we interview Paul Lennick about ways businesses are improving profits. Automation, robotics, AI, and more. We also discuss predictive models and all the ways that the business landscape will change in the next 5 years. Risks, Rewards, and Reshoring.

Join us for an inside look at the business world of 2023 and what is to come.

For more information, visit the show notes at https://moneytreepodcast.com/predictive-models-paul-lennick

Today's Panelists:

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

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Worried about the economy, high inflation, higher cost of goods and services and stagnant wages? This is the episode for you. Cash flow is the lifeblood of any company of household budget. We discuss how you can improve your cash flow and set yourself up for success.

For more information, visit the show notes at https://moneytreepodcast.com/cash-flow-cookbook-gordon-stein

Today's Panelists:

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

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The summer of 2023 has been very unexpected. Normally the summer doldrums allows traders to escape to the Hamptons. If they did, they missed out on a lot. Canadian wildfires, the hottest summer in my recollection and the stock market which is also on fire.

This great episode discusses what is goin on the in the market and what you need to know about the second half of 2023.

For more information, visit the show notes at https://moneytreepodcast.com/summer-doldrums-not-for-the-stock-521

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Oliver Rust from Truflation shares his shocking inflation revelation about the US CPI. His data is revealing about the true nature of inflation and what that means for the US economy. The short version is that the CPI is wrong but not in the way you think.

For more information, visit the show notes at https://moneytreepodcast.com/truflation-oliver-rust

Today's Panelists:

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

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Happy Independence Day! I hope you all took some time off and spent it with family and friends. I personally took time off and then the stock market did this weird thing. We will talk about that and other important things on another awesome episode of Money Tree Investing Podcast.

For more information, visit the show notes at https://moneytreepodcast.com/stock-market-did-this-519

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Phil Weiss joins us to discuss some secrets of accounting for the wealth management industry that should give you pause.

He provides great investing wisdom that you can apply today.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Tim Baker | Metric Fin
Douglas Heagren | Pro College Planners

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Sell in May and go away is an aphorism which always works... Sort of.

Ok, not always, most times... Not really. ok sometimes.

This time tested principal sometimes works. If you combine that with the 3rd year of a presidential cycle, higher than normal interest rates, dropping inflation, over-priced assets, housing problems, and a war (not really a war), and the invention of skynet.Ai, You get...

Well I don't know. Frankly, no one of note has any idea what is going on with this market. While that should not surprise you, it should give you pause.

For more information, visit the show notes at https://moneytreepodcast.com/sell-in-may-and-go-away-517

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Lucas Siegel joins us to talk about investing in structured settlements. We discuss the good the bad and ugly history of life settlements. This is a fascinating asset class which very people understand. Here's what you need to know about investing in life settlements. Join us this week with Lucas Siegel.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-life-settlements-lucas-siegel

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Philip Weiss | Apprise Wealth
Tim Baker | Metric Fin

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Tim Baker joins us to talk about about this crazy new bull market... that virtually no one believes is in a bull market. We discuss this and what this means for investors. We also discuss global inflation and how international inflation relates to the US.

For more information, visit the show notes at https://moneytreepodcast.com/crazy-new-bull-market-515

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Tim Baker | Metric Financial

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This week we interview Jay Zigmont CFP from Child Free Wealth. Jay clues us in on some shocking statistics about child free families. The child free financial planning challenges are very different.

Considering the younger generations are stating they less likely to have kids, this is an important topic.

Join us this week as we dive into the child free lifestyle and how families should think about planning for this lifestyle.

For more information, visit the show notes at https://moneytreepodcast.com/child-free-financial-planning-jay-zigmont

Today's Panelists:

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

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Another Fed meeting and another disappointment for someone. We look at the CPI numbers and then the Fed decision to pause on rate hikes and it make me scratch my head in confusion. They say they are worried about inflation, and maybe raising rates 1-2 more times this year, yet inflation is dropping quickly, the economy seems to be fine and interest rates are higher than they have been in 20 years.

Are we living in the twilight zone, Alice and Wonderland, or fantasy land. it's not entirely clear, but one thing is clear... The Fed is determined to squash inflation no matter what.

If they keep on this path, it leads to deflation, which is another boogieman they are afraid of. We will see which monster under the bed they are afraid of most. Both are bad choices, but they cannot sit this one out.

I'm still sticking to my claim that we could hit 0% inflation by year end. We are halfway through the year and accelerating towards that number. I might hit the target earlier than expected.

Join us this week for another exciting episode about what the end of world looks like. Don't hate us for being optimists 🙂

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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This week we ask Juliann Gumulak-Smith about this shocking insight into women investors. Are men or women better investors?

In the spirit of not being cancelled, threatened, or beaten up for having my own opinion... I'll let you decide.

Just kidding. My audience is smarter than that.

This week we discuss women and investing, some tips on how people can learn to overcome some mental hurdles about investing and some basic skills you can easily learn.

For more information, visit the show notes at https://moneytreepodcast.com/are-men-or-women-better-investors-juliann-gumulak-smith

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners
Tim Baker | Metric Financial

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Phil Weiss | Apprise Wealth Management

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Have you noticed that Active investing tends to underperform?

This is one of those non-secret secrets. What is not typically known is why this is the case. Most people claim it is due to fees, but this is not true. Fees only contribute to part of the tracking error. This week's Wall Street Secret dives into why this happens and what you can do to prevent it in your portfolio.

For more information, visit the show notes at https://moneytreepodcast.com/active-investing-underperforms-timothy-baker

Today's Panelists:

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

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Congratulations to all of you who survived the debt ceiling debate. Wow. That was a close one... Not really. The markets almost flinched for a half a day... Meanwhile in fantasyland the politicians were telling us how the US would default, we would mint a 1 trillion dollar coin and they would resurrect Abe Lincoln. Well maybe no the last part, but I'm sure they were thinking it.

This week we discuss what they put into this historic bill (maybe historic is an exaggeration). But we will talk about it. Also on a more exciting topic. The real estate crisis and recession that are both on pause until further notice.

We have an exciting show planned for you.. And that part is not sarcastic.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we interview Patrick Huey about how you can rewire your brain from being a bad investor to a rockstar investor.

We discuss some notable cognitive biases, confirmation bias, information bias, anchoring, hindsight bias, representativeness, status quo bias and many more. Brain psychology is a huge part of successful investing. If you want to be a successful investor, you need to understand your brain. Patrick tells us some quick and simple methods to improve your odds.

Today's Panelists:

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

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The scary debt ceiling default talking points are behind us... or are they? As you know, we have predicted this was a farce long before the solution was (sort of) agreed to. Can you imagine a situation where the debt ceiling is not raised? Me neither. And "should" has nothing to do with it.

This week we discuss the debt ceiling and housing issues. Did you know the average mortgage rate in the US is 8.164%? wow. no words. And you know I'm not short on words.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/debt-ceiling-defualt-507

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This week we interview George Bravante and get some behind the scenes farming secrets. Investing in agriculture is not for everyone, but it is a great under appreciated asset class that some of the wealthiest people in the world invest in. Bill Gates is one of the worlds wealthiest people, who made this fortune in technology. Yet he is also one of the largest land owners in the US. Why would he do that? We discuss why you should consider having at least some farmland in your portfolio.

Today's Panelists:

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

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Once again we kick politics in the teeth and discuss a politicized issue without making it about politics. Are we supernatural? Are we magicians? Or are we just wicked smaaart. I'll let you decide.

This week we discuss how immigration affects economics, why China is calling their debts, housing, and more data that will make more sense than it appears.

For more information, visit the show notes at https://moneytreepodcast.com/immigration-problem-non-problem-505

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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David Breazzano joins us to talk about the 2023 banking crisis and high yielding debt. Most people were surprised by the recent banking crisis, but not everyone. Listen to this great episode with David Breazzano about how he is investing in high yielding debt and the great opportunities that are right under your nose.

We discuss asset classes that most investors don't even think about and why this is exactly why you can find enormous opportunities. Join us this week for a dive in the Wall Street shark tank to locate opportunities that you have overlooked in high yielding debt.

For more information, visit the show notes at https://moneytreepodcast.com/2023-banking-crisis-high-yielding-debt-dave-breazzano

Today's Panelists:

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

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Once again we at Money Tree Investing Podcast are pulling back the curtain on the wizard and spilling the beans on Wall Street Secrets. This week we dispel the notion that supply and demand for house prices is why house prices are still high even though people cannot afford them. It's simply not true.

Think about it for a moment. There are 100 widgets in supply. There are 100 people who want a widget. There should be a price that could be agreed upon to purchase those widgets. However what if I only have $100 and the widget costs $1,000. I guess I'm not buying that widget. I still want the widget, but I cannot buy it unless the prices is $100 or lower. That is effectively what is going on in the housing market.

Sorry Wall Street. Try your tricks on someone else.

Join us this week as we discuss the dynamics of housing, why its still expensive, even though people cannot afford to buy a home, what's up with the unemployment rate, and the big question... where is the recession?

For more information, visit the show notes at https://moneytreepodcast.com/supply-and-demand-for-house-prices-503

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Bankrate's Chief Financial Analyst, Greg McBride, joins us to discuss interest rates, housing, the Federal Reserve, and more. We discuss where we have been, where we are now, and where we are going with rates and housing.

This is a great episode if you want to know more about the most important markets in the US.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection

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For more information, visit the show notes at https://moneytreepodcast.com/rates-housing-and-the-fed-an-interview-with-greg-mcbride-from-bankrate

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This week we discuss a lot of hot topics, another bank failure of First Republic, JP Morgan takeover, what it means for the banking sector, why the market doesn't seem to care, why the rating agencies are acting like it's 2007, updates on the probability of a recession, tech company job losses blamed by Ai, and what Ai means for your job... if anything.

Join us for another fun episode of Money Tree Investing Podcast where we grill up Wall Street sacred cows, skewer the pigs, and roast the main stream media hams.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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We hit episode 500!!!

After 9 years of this podcast consistently delivering great education to listeners, we want to take this opportunity to thank all our listeners, guests and hosts.

As a thank you for your support of the show, we are giving you an irresistible offer. You can listen to the next 500 episodes for free. That's right free...

What? It already is free? Oh. Well the audio may be free, but we are also going to throw in free videos of the show each week for the next 500 episodes.

What? The show is already on YouTube? ok.

It sounds like you are already doing great stuff for the listeners.

So I'm going to do something crazy here. We are going to give our listeners FREE MONEY!

No one is doing that, right?

Oh... You are already giving away free money on your website?

You guys are good.

What about an Inflation Crisis Roadmap?

Great idea. As a part of our celebration of 500 episodes, we are going to give away an Inflation Survival Guide. Everything you need to know about inflation and how to survive it. However you need to sign up for our email list to receive it. Otherwise we would not know where to send it.

For more information, visit the show notes at https://moneytreepodcast.com/episode-500-will-seippel

Today's Panelists:

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

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We had a lot of fun on this episode. The best part was at the end of the episode where we discussed one of the biggest open secrets on Wall Street. I knew about this 20+ years ago, but most people don't know this.

We discuss the soft earnings season and what you should expect from the rest of the earnings season. Also how to see through the news to know what is really going on. Join us for this fun episode to learn more about the Wall Street Circus.

For more information, visit the show notes at https://moneytreepodcast.com/earnings-soft-landing-499-deflation

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Queer Money Tips and how to manage your finances in bad economic times.

John and David share their story about how they got into debt, why it is so alluring, and what they did to get out of debt. This is a problem shared by most people in the US. It is hard to avoid debt as it is so pervasive and seductive. Yet if you want to be financially free and lift the psychological burden that keeps you from your own financial freedom, you need to know how to be smart with debt.

John and David talk about the 5 Steps to Being Debt Free, The Lasso Method, The Debt Avalanche, Debt Snowball, and many more strategies to eliminate debt in your life.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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We interview David Wolcott this week where we discuss holistic financial planning and whether it is more important for your portfolio to be invested for growth or longevity. The answer might surprise you. Here's what you need to know...

For more information, visit the show notes at https://moneytreepodcast.com/david-wolcott-holistic-financial-planning-growth-vs-longevity

Today's Panelists:

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

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Doug and Kirk talk about the state of the markets compared to historical valuations. We compare all the major metrics compared to the last 50-100 years. You might be surprised at what we found. We have been talking about this for months on the show, so we decided to show you the math... Math doesn't lie.

Join us this week as we cover the major topics in the markets, inflation, real estate, valuations and more.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Take a peek behind the curtain into the world of the shadow banker. This is a great interview where we have a candid conversation about shadow bankers secrets, how Wall Street works, why retail investors can't beat the institutions, how shadow bankers measure risk, and where people can find opportunities.

I had a lot of fun with this interview. I know you will too.

For more information, visit the show notes at https://moneytreepodcast.com/shadow-bankers-secret-benjamin-summers

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | Pro College Planners

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This is another one of our well-known mindset episodes for how to think about investing. Kirk and Doug rip apart some commonly "known" principals of investing that you see everyday in the investing community.

If you didn't know any better you would think the investing community was a bunch of fortune telling gypsies. Maybe they are... It would explain all the tarot cards I found laying around in the CNBC greenroom.

Join us this week to hear us once again give you a peek behind the curtain.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Kelly Coughlin | Everyday CPA

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This week we interview Kim Curtis about how to deal with aging family members and how she applies her skills in mediation, negotiation and arbitration. Everyone needs these skills.

Join us in a behind the scenes episode of how mediation works to keep you out of hot water with your family.

For more information, visit the show notes at https://moneytreepodcast.com/kim-curtis-492

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | Pro College Planners

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We had a lot of fun this week discussing the deflationary housing crash and the US losing its reserve currency status. Should you be afraid? Should you celebrate? I guess it depends on which bobble head on TV you prefer.

None of it matters.

We will discuss what does matter and how it affects your money.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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You might be surprised about your own investor mindset. I know I was. I learned a lot today with Steven Pesavento. Great interview.

We talk about so much in this episode, active vs passive investing, risk management, how to invest in a bear market, streamline your investing, red flags to watch out for and a playbook for smart investing.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | Pro College Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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This is not the first time we have said, beware of the housing collapse. Actually we have been saying it for over a year.

Well, we are starting to see some large cracks in the foundation and they are only getting bigger. If you own real estate, you need to hear this episode.

Join us this week for a riveting episode about the banking crisis and the impending housing collapse. We have lots of fun and have another fan sending us lots of questions that we answer on the show. Join us for some fun. Oh and check out our website for tons of charts and visuals from the episode.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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This week I have a conversation with John Sneisen about the economic truth of central bank money printing. You hear about this a lot, but is it true? If it was true, then why is the government doing it? What are the consequences of these actions? What does it mean for you?

We answer all these questions and more on the show. Join us for another great episode of Money Tree Investing Podcast.

For more information, visit the show notes at https://moneytreepodcast.com/the-economic-truth-of-central-bank-money-printing-john-sneisen

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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IMO OMG WTF SVB,

This week we discuss the banking crisis which is unraveling and what is next to come. While the waters look calm and ready for people to wade back in... under the surface, it is not so safe.

We discuss some of these problems and we will have even more revelations next week. This is a slow motion train wreck and I would not be standing on the tracks.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/banking-crisis-487

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Investing in oil and gas holds more benefits than you might think. Not only can you profit from a successful well, but you also get the tax benefits.

There are reasons so many people are drilling for oil. We discuss those reasons on the show as well as where the oil and gas sector is going in the next decade.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/investing-in-oil-and-gas-rj-burr

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SVB goes into receivership... So does Signature Bank... Are others next to follow?

It was a crazy weekend with the 2nd largest bank failure, after Washington Mutual. Investors and depositors were skittish today. I can't blame them.

We talk about what you can do to protect yourself and where the opportunities are in this mini (at the moment) crisis. Also why I'm mad at what is going on in the banks and more people don't even know it is happening.

Join us this week on a Banktacular special.

For more information, visit the show notes at https://moneytreepodcast.com/is-your-cash-safe-beware-of-deflation-485

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Kelly Coughlin | Everyday CPA

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This week we interview Lynette Zhang about investing in precious metals, the great reset, globalization of the 1980s, currencies, and more.

If you are worried about the future of the global economy, then join us for a conversation about important topics that could help you navigate the next 10 -20 years.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-precious-metals-lynette-zang

Today's Panelists:

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

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This week we discuss the history of soft landings. What do you think the odds are of this happening?

In other news... Mortgage rates are back to 7%. I guess the mortgage market is listening to our show. Come on in out of the cold and warm your feet by the fire. And by fire I mean the housing market which is on fire in the opposite direction.

Here is a bit of wisdom for you...

The high-yield bond market is a leading indicator of the stock market;
The stock market is a leading indicator of the economy.
Since the stock market leads the economy, bear markets have always begun prior to the start of a recession.
Bear markets have never ended before a recession has started.

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-deflation-history-of-soft-landings-483

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Finally... A social media platform geared towards investing. The millennials and Genz will be thrilled. But will Gen X the boomers follow?

This is an interesting way to invest where you can follow other investors and track their returns. We dive in to find out why this approach works and how other investors can learn from others.

For more information, visit the show notes at https://moneytreepodcast.com/the-social-investing-network-interview-with-david-mcdonough

Today's Panelists:

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

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This week we are back with another deflationary episode of Money Tree Investing. Well almost, as deflation has taken a pause as the PCE went up more than expected. 0.6% vs 0.4%

We spend a lot of time discussing the housing market and aspects that you may not be thinking about. Do you own rental property, or AirBNB, or any real estate... You need to hear this. You may even need to hear this 5-6 times. But make sure you understand what we are saying. If you don't this year may be quite painful for you.

BTW did you know that the distrust of the media is at a all time high of 50%? That is a very high percentage of the population that is not paying attention. We discuss why it is 50%

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Are you worth 500 million or more?

Yup, me too... in Venezuelan Bolivars.

However, if you are worth more than 500 million in US dollars, you might want to consider setting up and running a family office to take care of you vast wealth so you can go about enjoying life.

Managing and running a family office is no picnic. It is a tremendous responsibility.

So this week we interview Ron Diamond about the dynamics of running a family office. You can get a sneak peak into how the other half lives.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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For more information, visit the show notes at https://moneytreepodcast.com/running-a-family-office-ron-diamond

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We are at it again this week on Money Tree Investing Podcast. Deflation.. Deflation ... and more Deflation... oh and some inflation. This week things got a bit spicy.

We had a ton of listener questions on LinkedIn live. We discuss those and a number of other spicy topics, like the problems w energy, inflation and more. This was a fun episode, you won't want to miss it.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Kelly Coughlin | Everyday CPA

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For more information, visit the show notes at https://moneytreepodcast.com/deflation-again-part-3-ep-479

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This week we interview Gerry Frigon about investing in growth companies.

We discuss:

Why there is a shrinking number of companies to choose from in the stock market
Why ESG fails
The increase in volatility
US vs international investing
Narrative vs perspective

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-growth-companies-gerry-frigon

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Deflation Ahead!

No... We are not nuts. Most people are yelling and screaming about inflation. So why are we yelling about deflation?

Here's the scoop.

We have received our share of hate mail over the past few weeks since we came out with the claim that we may experience deflation by year end. Most of the messages were angry that we changed our mind. Yet, not one person has refuted our claim with any solid argument.

Its important to understand this point. Inflation and deflation can exist at the same time. The only difference is your point of view and what you are measuring. However once you understand why we are saying deflation could happen by year end, it will all make sense. Join us this week where we further discuss our thesis on deflation.

Its Valentine's day... Send us you love... send us your hate... Just send us something with your thoughts. Cheers

For more information, visit the show notes at https://moneytreepodcast.com/beware-deflation-ahead-2-477

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Should you invest in private company stock? Should you invest internationally? Why not both?

This week I interview Josh Ziegelbaum who runs a coffee company in Columbia.

I know what you are thinking, coffee coming out of Columbia. Times have changed and this black gold is in high demand. Join us as we discuss why this is such an opportunity and how he thinks about investing internationally.

Today's Panelists:Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance

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Beware of Deflation! What?!?

I thought you were warning us about inflation.

Things are changing quickly. There is new information you need to know about the economy. If you want to stay ahead of the curve, you need to hear this episode. I do an analysis of why I think deflation is a real risk and what you need to know. Deflation or bust.

The composition of the CPI in the US:

Housing: 42.1%
Transportation: 17.4%
Food and beverages: 15.1%
Medical care: 7.3%
Recreation: 6.1%
Other goods and services: 4.5%
Apparel: 3.3%
Education and communication: 3.2%

Tesla dropping prices is deflationary... So is the drop in housing prices, drop in energy, and other areas which are bound to happen soon. We don't have stagflation yet... but it coming.

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Buying Small Businesses for Cash Flow can be a great strategy for investors, if you know what you are doing. One of the challenges is how to valuate a company. Zach takes us through the process of valuating a company for investment.

Join us this week for more great investment insight and wisdom.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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For more information, visit the show notes at https://moneytreepodcast.com/zach-oehlman-buying-small-businesses-for-cash-flow

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This is one of the best inflation episodes ever. We discuss tons of mental models about how to think about investing.

We also discuss the meltdown right before our eyes, which no one seems to be noticing. And once again real estate.

Lastly, we share some advice for one of the best sage investors that even Warren Buffett cannot avoid reading.

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-soft-landing-473

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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his week I have a conversation with Bobbi Rebel about Generation X, Financial Wellness and being a financial grownup.

This was a great interview and we discuss a number of areas that don't get enough attention... most specifically about being a financial grownup with generational money. Join us to relive your past and understand your peers.

For more information, visit the show notes at https://moneytreepodcast.com/financial-wellness-and-generation-x-interview-with-bobbi-rebell

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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This week we interview Professor Jeff Bierman. We discuss why 2022 was a year or reprogramming and why 2023 will be the year of recalibration.

There are large changes afoot and we discuss most of them on this show. Fed fueled fantasy, rotations, locking in yield, active vs passive, valuations, and more.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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For more information, visit the show notes at https://moneytreepodcast.com/jeff-bierman-year-of-recalibration

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2022 was a mess, or like a friend of mine says, it looked like a medieval battlefield at dusk.

Year End Performance 2022 was bad across the board. There were very few places to hide.

If you did well last year, and you are not agile, you might feel the pain similar to what others felt last year.

We discuss the year end review of the markets, how to think about last year and how to think about 2023.

For more information, visit the show notes at https://moneytreepodcast.com/year-end-performance-2022

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | Pro College Planners

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Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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I love talking with Andrew Stotz about his worst investment ever. Most of us spend too much time on our winners and not enough time on our losers. Andrew has dedicated a whole podcast to this idea of learning from our failures.

We discuss his 6 common mistakes, World War 2.5, the impact of the Fed policy on the rest of the world, global strategery, and more.

For more information, visit the show notes at https://moneytreepodcast.com/my-worst-investment-ever-andrew-stotz

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Happy New Year of Inflation. I'm so happy 2022 is over. Aren't you?

In case you were living in the middle of the wilderness with no access to the internet, it could be described as a train wreck, hitting a dumpster fire, in the middle of a sh1tstorm. Does that sum it up?

However you choose to describe it, you could call it the year of inflation.

2023 will be another 365 chances to change your life... Lets make it for the better.

Join us as we start the year with some good old fashioned year end planning and preparation for 2023.

Lots of great life lessons today. Aren't you glad you were here?

For more information, visit the show notes at https://moneytreepodcast.com/new-year-of-inflation-beware-of-inflation-465

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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This week we interview Annie Duke. She accidentally got into Poker and won a World Series Of Poker Championship before retiring in 2012. She is the author of Thinking in Bets (one of my favorites), How To Decide, and Quit (her most recent book). This is one of the best interviews with her I have heard. Great revelations for anyone who is an investor or student of life.

We discuss luck vs skill, life is like poker not chess, resulting (outcome bias)how to know when to stick or quit, sunk costs, kill criteria, and so much more.

For more information, visit the show notes at https://moneytreepodcast.com/annie-duke-quit

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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All I want for Christmas is Inflation...Merry Christmas Inflation to all...

Happy Hannukah, Happy Festivus, and Happy New Year.

Now that you all have had enough holiday cheer, we will update you on inflation, the markets and a lesson on how to look at charts and "news".

We have had quite a year. High inflation. Low stock prices and lower bond prices. The housing market still looks terrible. But there are some bright spots... There just aren't many of them.

For more information, visit the show notes at https://moneytreepodcast.com/christmas-inflation-463-beware-of-inflation

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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This week we interview Simon Ree, Founder of Tao of Trading. We discuss successful trading strategies, options trading, inflation, the Federal Reserve, risk management, bull markets vs bear markets, and much more. This is a great interview into the mind of a successful Wall Street trader.

Join us for your favorite investing and personal finance podcast of the week.

For more information, visit the show notes at https://moneytreepodcast.com/tao-of-trading-simon-ree

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Don't Fight The Fed... How many times have we heard that phrase.

Yet people never seem to listen. This week Powell said get out of my way. I'm fighting inflation like Volker. Inflation (via CPI) is still high at 7.1% but lower than last month and lower than expected. But still a far cry from the 4.25-4.5% Fed funds rate.

The market got the message on Thursday and Friday. Looks like the Santa Clause rally is turning into a lump of coal.

Join us for some eggnog and cookies as we celebrate this episode with some updated inflation data and juicy insight into the markets and economy.

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-dont-fight-the-fed-461

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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People hate the energy industry. Yet the biggest trend right now is in the energy. Energy Intelligence shows us that there are big forces at work that will cause a historic log jam which will raise energy prices for everyone. However there are solutions to this and ways you can profit from this disconnect in the economy.

We discuss all of this on our show this week. Join us for another great podcast episode.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/energy-intelligence-how-to-make-money-from-the-biggest-trend-that-people-hate

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Understanding market cycles is one of the easiest way to make money in the market. Short term cycles and long term cycles both provide you with an enormous amount of value in determining the direction of your investments.

This week we discuss how market cycles work and how you can use them to make money. We also discuss a few examples and how emotion plays into these cycles.

Join us for another great podcast episode this week on Money Tree Investing Podcast.

For more information, visit the show notes at https://moneytreepodcast.com/understanding-market-cycles-459-beware-of-inflation

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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This is not a joke. We have serious problems with our energy needs. Where we are now and where we want to be are miles apart and no amount of money, tax credits, and attacking other countries will solve it.

While we all want a cleaner planet, that can only happen decades from now. If we try to speed up the process, it will bankrupt poor and middle class people. The only bridge is "big oil" and nat gas. You don't have to like my opinion, but its the truth.

Facts don't lie... narratives do.

This week we will be discussing this enormous paradigm shift within the inflation paradigm shift. is your head spinning yet? sorry.

This is one of the most important trends right now and the politicians are doing their job of doing the exact opposite of the right thing. This will cause blackouts, recessions and bankruptcies.

Things could easily turn around with rational policies, but that trends is not there.

Join us this week to discuss this enormous trend and how it will impact your wealth and health.

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-457-big-oil-will-save-us

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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This week is a treat. We interview Edward Chancellor about his new book , The Price Of Time - The Real Story Of Interest.

Those who do not understand history are doomed to repeat it. This could not be more true in the current markets we have now. We invited Edward on the show to educate you on how to think about these markets in comparison to history. Interest rates are center stage in this circus.

This was a great history lesson that could turn into actionable advice for those who are some inclined to learn about the past.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Bonds have performed very poorly in 2023. This is the worst YTD performance in a LONG time. Should you add them to your portfolio now or will things get worse?

This week we discuss the inflation impact on bonds in your portfolio and when you should look to add bonds to your portfolio again.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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Do you still think bonds are safe? After a year of bonds getting crushed along with stocks, you might think bonds are no longer safe. Well... They never were "safe". Now that everyone knows that, what should you do next?

This week we discuss investing in bonds and how you should think about the impact of inflation on bonds for your portfolio. I think this is the first time in years that I have starting to look at bonds for portfolios. The key word is "starting" to look. We are getting to a point where things are getting interesting in bonds, but you still have to be careful.

For more information, visit the show notes at https://moneytreepodcast.com/its-all-about-bonds-impact-of-inflation-on-bonds

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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It is amazing. The FTX Crash has caught most people off guard and many celebrities lost money too. There is word that it is one big ponzi scheme with politicians, slush funds, celebrity endorsers, and trying to expatriate SBF back to the US to face justice. This is the stuff that is Michael Lewis will be writing about in the big Short 2 (which apparently he has been embedded for the past 6 months with SBF).

I do find it odd that I have not heard anyone screaming for his arrest yet. They got Bernie Madoff quickly. Why not this guy? Is there more to come? It is still too early to know all the details, but the initial reports are riveting... of course it could also be fake news.

Join us this week on Money Tree Investing's Beware of Inflation Episode with Kirk Chisholm and Barbara Friedberg.

For more information, visit the show notes at https://moneytreepodcast.com/ftx-crash-453-beware-of-inflation

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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Matt Leising, author of Out of The Ether, discusses the $55 Million Dollar Etherium heist and how it almost brought down Etherium. Also we discuss the crypto/blockchain space and how it will change everything. We get an insider look from a guy who knows some of the top visionaries in the space. Join us this week for a great episode about Etherium and the future of blockchain.

For more information, visit the show notes at https://moneytreepodcast.com/great-crypto-caper-matt-leising

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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The media is telling us, Inflation is gone. Celebration time.??

Well, not so fast. Inflation is still coming in at 7.7% (which is high) and one data point does not make a trend. Inflation should drop a bit from here, but we are not out of the woods. This week we discuss what is going on with the new inflation numbers, housing data, FTX and more.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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The media is telling us, Inflation is gone. Celebration time.??

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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Larry joins us once again to discuss global economic forces which move slowly but firmly in one direction. when they change watch out. We discuss, global brain drain, the future of global economic power, social security, the energy markets, inflation and more.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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I'll bet you think your investing style is safe. However what you don't know if what makes it dangerous.

This week we interview Mikkel Thorup. We discuss global asset protection, second citizenship, global inflation, and what you can do if you want to be a global citizen.

Mikkel is also holding a summit right now if you want to learn more, The Expat Money Summit. He has some of the top speakers in their field.

Investing half truths #1: buy and hold is the best strategy... but is it? We discuss this investing half truth this week.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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I'll bet you think your investing style is safe. However what you don't know if what makes it dangerous.

This week we interview Mikkel Thorup. We discuss global asset protection, second citizenship, global inflation, and what you can do if you want to be a global citizen.

Mikkel is also holding a summit right now if you want to learn more, The Expat Money Summit. He has some of the top speakers in their field.

Investing half truths #1: buy and hold is the best strategy... but is it? We discuss this investing half truth this week.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This week we interview all-star portfolio manager Leigh Goehring about the agriculture sector. We discuss the emerging global trends in the agriculture sector and why you need to have this in your portfolio. Investing in agriculture and food has been out of favor for a while, but will have its day in the sun soon enough.

There are so many great points in this episode, that everything you need to know about investing in agriculture and food is right here. Don't miss this amazing episode.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

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There are so many great points in this episode, that everything you need to know about investing in agriculture and food is right here. Don't miss this amazing episode.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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Amazing Inflation Update: 9.1% WOW!

I think I need to dust off my dictionary to look up what "transient" means.

This week we discuss all sorts of news updates, the inflation reading, why cash is not trash, Bitcoin, and why bad economies do not support bad business models. I'll bet your cash has appreciated more than you realize... where is why.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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We have another great listener questions episode just in time for Halloween. Put on your favorite costume and grab a frosty beverage. Join us for Money Tree Investing Podcast. This week we discuss, what stage of the market are we in, how are investors reacting to the current market conditions ( investor sentiment), what we are doing with clients right now, where to find cash flow, and asset protection in an insane world where nothing makes sense.

For more information, visit the show notes at https://moneytreepodcast.com/listener-questions-october-2022

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | Pro College Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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The King is Dead... Long Live the King.

King Dollar is doing the opposite of what everyone thought would happen. No its not going to zero. Its actually testing all time recent highs. Not only that but it is disrupting the entire global economy. However the dollar is only a symptom, not the cause. We discuss the cause.

Next we discuss the magazine cover indicator. One of my favorites and you will see why.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-king-dollar-magazine-indicator

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This week we interview Eddy Soffer from Interactive Brokers. We discuss Sustainable, IMPACT, and ESG Investing. ESG investing is a hot area right now. Individuals and companies are all chipping in to give their opinion on the pros, cons and thinking behind this trend.

Join us this week as we have a good discussion about ESG investing and how it will impact your wealth.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/sustainable-esg-investing-eddy-soffer

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Yes I said it. Inflation is more dangerous than WW3. Don't believe me?

Did you live through the 1970s inflation? what about the 1920s in Germany? or 2008 inflation in Zimbabwe, or Venezuela right now?

If you look at history (or the present) you will notice that hyperinflation destroys not only the economy, but the country. The German 1920 hyperinflation is one of the factors that led to WW2. We lay out the entire thesis during the show this week and why you need to be prepared. Join us to learn more.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-is-more-dangerous-than-ww3

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This week we interview Scott Carson about investing in discounted notes. This is not your average alternative investment, but it is an interesting way to get into real estate without tenants and toilets. Join us as we discuss investing in discounted notes.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/scott-carson-discounted-note-investing

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Oil price inflation is back...

OPEC has decided to go against the US and the US is losing. Maybe The White House should not have used the strategic petroleum reserves for political gain in November. Oil price inflation will be back with a vengeance this winter. Stock up now. At least we are not living in Germany. The Russians may be losing in Ukraine, but they played this hand well. The only one to upstage Russia/OPEC is the Onion who filed an Amacus brief with the US Supreme court... Well played sirs... Well played.

The Bank of England is having big problems as well, and very little has to do with the new PM, Liz truss. I only mention England because the Bank of England had to intervene in the markets this week. But they are not alone with problems.

The mortgage and housing markets are a mess once again. And we also discuss the yield curve.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-oil-price-inflation-421b

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Milind Mehere joins us this week from Yieldstreet. We discuss why he started the platform and what is accomplishes that others do not.

If you want to know more, join us this week where we dig deep to find out if its right for you.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/yieldstreet-milind-mehere

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End of 3rd Quarter 2022 has been the bloodiest market performance I have seen in over a decade. There are scary data points everywhere. However when you look at the performance, you would think the bad stuff has already happened.

You think this is bad, you have not seen anything yet.

You can join us to see Prince William give us the finger. Yes the middle one... I think.

Join us this week to listen in on our discussion about how you should be thinking about end of 3rd quarter 2022.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-end-3rd-quarter-2022

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Are you worried about the stability of the US?

Do you wish you had a plan B just in case things don't work out?

Well here is one solution...

This week we interview Mike Cobb from ECI Development. Mike is an expert in investing in international real estate. He has been traveling and investing in properties in Central and South America for over 26 years. He has seen it all and made all the mistakes you don't want to make.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-international-real-estate-mike-cobb

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Are you worried about the stability of the US?

Do you wish you had a plan B just in case things don't work out?

Well here is one solution...

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-international-real-estate-mike-cobb

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Are you worried about the stability of the US?

Do you wish you had a plan B just in case things don't work out?

Well here is one solution...

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-international-real-estate-mike-cobb

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Is it time to invest in bonds? We will discuss this week whether it is time to find safety in bonds, the housing situation, and more inflation data. Inflation is a range not a number.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-419b

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Is it time to invest in bonds? We will discuss this week whether it is time to find safety in bonds, the housing situation, and more inflation data. Inflation is a range not a number.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-419b

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Is it time to invest in bonds? We will discuss this week whether it is time to find safety in bonds, the housing situation, and more inflation data. Inflation is a range not a number.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-419b

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Investing in farmland is one way to protect yourself from higher inflation. This week we discuss how to invest in one of the oldest assets classes. Carter Malloy from AcreTrader will explain how he is democratizing farmland investing for people who are not farmers.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-farmland-carter-malloy

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-farmland-carter-malloy

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For more information, visit the show notes at https://moneytreepodcast.com/investing-in-farmland-carter-malloy

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-farmland-carter-malloy

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For more information, visit the show notes at https://moneytreepodcast.com/investing-in-farmland-carter-malloy

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-farmland-carter-malloy

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Inflation is a global problem... It may "only" be 8.3%, but this is a big problem that is not going away. inflation rising... GDP falling... a recipe for disaster... or more like a slow motion train wreck.

We discuss housing inventories in different cities and what the market thinks the fed funds rate will be by year end.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/inflation-is-a-global-problem-beware-of-inflation-418

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We discuss housing inventories in different cities and what the market thinks the fed funds rate will be by year end.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/inflation-is-a-global-problem-beware-of-inflation-418

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We discuss housing inventories in different cities and what the market thinks the fed funds rate will be by year end.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/inflation-is-a-global-problem-beware-of-inflation-418

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This week we discuss tax lien investing opportunities with Joanne Musa, the Tax Lien Lady.

There are enormous potential gains in in tax liens if you know where to look. We discuss where to look in this episode. Wall Street has squeezed most of the profits out of tax liens, but they have missed a few areas and that is where you need to look.

We outline that for you here on this episode.

For more information, visit the show notes at https://moneytreepodcast.com/tax-lien-investing-with-the-tax-lien-lady-joanne-musa

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This week we discuss tax lien investing opportunities with Joanne Musa, the Tax Lien Lady.

We outline that for you here on this episode.

For more information, visit the show notes at https://moneytreepodcast.com/tax-lien-investing-with-the-tax-lien-lady-joanne-musa

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This week we discuss tax lien investing opportunities with Joanne Musa, the Tax Lien Lady.

We outline that for you here on this episode.

For more information, visit the show notes at https://moneytreepodcast.com/tax-lien-investing-with-the-tax-lien-lady-joanne-musa

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This is the Royal Rumble of debates. Clean Energy vs Dirty Energy. We discuss the pros and cons, the short term and long term impacts on everyone.

This is the debate you should be hearing on the news, but are not.

For more information, visit the show notes at https://moneytreepodcast.com/clean-energy-vs-dirty-energy-2

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This is the Royal Rumble of debates. Clean Energy vs Dirty Energy. We discuss the pros and cons, the short term and long term impacts on everyone.

This is the debate you should be hearing on the news, but are not.

For more information, visit the show notes at https://moneytreepodcast.com/clean-energy-vs-dirty-energy-2

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This is the Royal Rumble of debates. Clean Energy vs Dirty Energy. We discuss the pros and cons, the short term and long term impacts on everyone.

This is the debate you should be hearing on the news, but are not.

For more information, visit the show notes at https://moneytreepodcast.com/clean-energy-vs-dirty-energy-2

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This week we interview Michael Sonnenfeldt, founder of Tiger 21. We discuss many issues that effect the Tiger 21 community, risk management, asset allocation, when they expect a recession, and most importantly what trends are the most watched for their members.

This is another exciting interview with Michael, who has graciously shared a peek behind the curtain with the Tiger21 community. My favorite part is the asset allocation for Tiger 21 community. For more information, visit the show notes at https://moneytreepodcast.com/risk-management-and-asset-allocation-for-tiger-21

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

View Details

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

View Details

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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This week we discuss one of the big political footballs, debt forgiveness of the cost of college. Should we forgive the cost of college or not?

Don't miss my rant on this topic.

We also discuss the housing crisis, are 0% down payment mortgages a good thing, and the value of HOPE. Who said HOPE is not a strategy...

I guess it was me...

But this is a different type of HOPE.

Join us this week to see how HOPE can help you.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-clean-energy-vs-dirty-energy

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This week we discuss one of the big political footballs, debt forgiveness of the cost of college. Should we forgive the cost of college or not?

Don't miss my rant on this topic.

We also discuss the housing crisis, are 0% down payment mortgages a good thing, and the value of HOPE. Who said HOPE is not a strategy...

I guess it was me...

But this is a different type of HOPE.

Join us this week to see how HOPE can help you.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-clean-energy-vs-dirty-energy

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This week we discuss one of the big political footballs, debt forgiveness of the cost of college. Should we forgive the cost of college or not?

Don't miss my rant on this topic.

We also discuss the housing crisis, are 0% down payment mortgages a good thing, and the value of HOPE. Who said HOPE is not a strategy...

I guess it was me...

But this is a different type of HOPE.

Join us this week to see how HOPE can help you.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-clean-energy-vs-dirty-energy

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This week we interview psychologist, Stanley Teitelbaum about the emotional psychology of investing. We discuss cognitive bias, blind spots, the greed & fear cycle, following the herd, cutting losses, looking for the guru syndrome as well as his own odyssey with investing.

For more information, visit the show notes at https://moneytreepodcast.com/emotional-psychology-of-investing-stanley-teitelbaum

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/emotional-psychology-of-investing-stanley-teitelbaum

Today's Panelists:

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

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This week we tackle the age old debate... Bull Market Vs Bear Market... Where is the market going next.

We show you 4 different ways to look at it and most importantly... how you should NOT look at it.

We pack in a plethora of charts and wisdom in to this episode. This is a must listen episode.

We also discuss what is priced into the market, which is a better inflation hedge, bitcoin or avocados, and the surge in housing payments and housing supply. Lots to see. make sure to check us out on YouTube.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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For more information, visit the show notes at https://moneytreepodcast.com/stefan-von-imhof-alternative-investments

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Alternative investments are a big field. So many opportunities... So many interesting ways to invest outside the market.

This week we interview Stefan Von Imhof about his alternative investment market place. Baseball cards, websites, water rights, music royalties, sealand and more.

For more information, visit the show notes at https://moneytreepodcast.com/stefan-von-imhof-alternative-investments

Today's Panelists:

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

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Alternative investments are a big field. So many opportunities... So many interesting ways to invest outside the market.

This week we interview Stefan Von Imhof about his alternative investment market place. Baseball cards, websites, water rights, music royalties, sealand and more.

For more information, visit the show notes at https://moneytreepodcast.com/stefan-von-imhof-alternative-investments

Today's Panelists:

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

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If you thought FAANG stocks were the place to invest... Check out our FAANG Stocks 2.0.

FAANG 1.0 will not help you in a recession. FAANG 2.0 will be the place to be. We talk about tech and the "new tech" stocks you should think about for your portfolio.

Want to know where to invest, Next week we are going to roll out our FANUIGA Stocks.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This week we interview Joe Robert of Robert Ventures. We discuss the opportunities that will be available to investors in the next recession with distressed debt. This is not for everyone, but this is a crucial piece of the investing puzzle. If you don't understand it, you could be on the other side of the trade from Joe.

What's that phrase... "If you don't know who the sucker is at the poker table... its you." This is why it will be worth your time to learn about this type of investment.

We also discuss cryptocurrencies, foreclosures, loan modifications and more...

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Brent Kochuba, the founder of SpotGamma, has expertise predicting the future movements of equities and indices. While a lot of what he does is a bit technical, if you want to know where things are going in the future... Brent is your guy.

Short Squeeze, Gamma Squeeze, and volatility. All things that Brent tracks daily. Listen to this episode to find out how the pros look at the increase volatility we have seen in the markets.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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For more information, visit the show notes at https://moneytreepodcast.com/spotgamma-brent-kochuba

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Short Squeeze, Gamma Squeeze, and volatility. All things that Brent tracks daily. Listen to this episode to find out how the pros look at the increase volatility we have seen in the markets.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/spotgamma-brent-kochuba

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Another blockbuster episode here on Money Tree Investing. This week we tackle a sacred cow (you know we love to do that)... Income Inequality.

This week Doug and Kirk discuss what is going on in the economy, consumer credit balances, the bullwhip effect, the stock market, and employment. Did you know that July was the 5th best performing month for the Wilshire 5000 index in the past 30 years? Was new s to me too.

We also discuss the 2-10 yield curve, historical tax rates and more. This is an action packed episode of summer fun.

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-income-inequality-bullwhip-2

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Wes Gray is a man of many talents. He was a Captain in US Marine Corp, has a PhD in Finance and Univ of Chicago, and now run Alpha Architect. We discuss a lot of areas on this episode. I know you will enjoy it.

We discuss the value of using common sense with the quant approach, whether Value investing is making a come back ( I like this one), poor man's managed futures, the biggest risks right now, when to use discretion, inflation protection, and more.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Today's Panelists:

Kirk Chisholm | Innovative Wealth
Megan Gorman | The Wealth Intersection
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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High Inflation Explained...

This week we dive into one of the major causes for high inflation... Hint, its not excessive money printing.

We discuss the bullwhip effect, how it effects commodities and goods like avocados, lobsters, ammunition, lumber and more. We make this advanced economic topic simple and easy to understand. You can amaze your friends and family with your extensive knowledge about how the economic system works and it might even help you understand how this inflation cycle will play out...

Yes this topic is that important.

Oh did I mention that The Beer Game is a simple way to understand the bullwhip effect as well...

Sorry The Beer Game does not involve drinking beer. Although I won't tell you not to. 🙂

Don't forget to check out our new Bear Market Survival Guide - The Top 12 Bear Market Rules to Help You Survive and Thrive in The Next Bear Market. It will give you simple and easy, actionable advice to set yourself up for success with your investments.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/bullwhip-effect-beware-of-inflation

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This is a rare chance to listen to one of the top value investors or our day. We discuss his dream company to invest in, how to manage risk in tough markets, upcoming opportunities for potential investments, inflation, global risks, his list of company to buy in a down market, and more.

If you are not investing with a value tilt, then you need to listen to this interview. Investing in value stocks requires a lot more than just finding cheap companies. We discuss all of this on the episode.

For more information, visit the show notes at https://moneytreepodcast.com/contrarian-edge-vitaliy-katsenelson

Today's Panelists:

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

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This week we discuss some interesting updates in the markets, the top 12 bear market rules, and a great listener question, is this the perfect investment strategy. Doug joins me again for this rousing episode.

If you want to read more about the Top 12 Bear Market Rules to Live By - To Survive and Thrive in the Next Bear Market, read this excellent post.

Great Listener Question From Chris:
"I love your show! The problem I am looking to solve is it a good long term strategy for 100% of my stock allocation to sell 30 delta OTM covered calls on SCHD and when assigned sell 30 delta cash covered puts (rinse and repeat) to boost the income of my portfolio. I’ve doing this for about a year now and so far up about 6% on the year when SPY is down about 18%."

For more information, visit the show notes at https://moneytreepodcast.com/

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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If you want to read more about the Top 12 Bear Market Rules to Live By - To Survive and Thrive in the Next Bear Market, read this excellent post.

For more information, visit the show notes at https://moneytreepodcast.com/

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

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Value investing has been in the dog house for the past 20 years. You needed an iron stomach to stick with it when it under performed for 2 decades. However, not everyone suffered.

Gary Mishuris uses "behavioral value investing" to invest better with value stocks. He looks for value where others are not. This is one of the hardest and best ways to invest in value stocks. Wayne Gretzky says skate where the puck is going to be. Gary shows us how to do that with value stocks.

As value stock are coming back into favor you need to look at what is working.

For more information, visit the show notes at https://moneytreepodcast.com/behavioral-value-investing-gary-mishuris

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Amazing Inflation Update: 9.1% WOW!

I think I need to dust off my dictionary to look up what "transient" means.

This week we discuss all sorts of news updates, the inflation reading, why cash is not trash, Bitcoin, and why bad economies do not support bad business models.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

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For more information, visit the show notes at https://moneytreepodcast.com/

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This week we interview David French about another advanced planning strategy for our series, Secrets Of The Rich Episode #12, Qualified Small Business Stock 1202. Sounds interesting? Yawn.

What if I told you you could sell your business tax free up to $10 million (or more)... Now are you interested? Yes... Me too.

This is a great episode for business owners who are looking to save on taxes when they sell their business. Join us to learn about this elusive tax secret of the rich.

For more information, visit the show notes at https://moneytreepodcast.com/qualified-small-business-stock-1202-david-french

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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The Euro is at par with the US Dollar. Huh? Should I be worried or is it ok to be confused?

You are not alone in wondering if this matters.

The answer is it does and it doesn't.

In this episode we will discuss why this matters. We discuss where it is a good thing and where it is a bad thing for the US economy. It is worth watching as it can impact your investments.

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-why-is-the-euro-at-par-with-the-us-dollar

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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Are you looking to increase the yield on your dividend stocks? Are you aware there are stocks outside of the US? While we all know we can buy stocks in other countries, most do not. This is not a US-centric problem. Home country bias is a global bias. We all inherently follow Peter Lynch by investing in what we know. However this limits you to opportunities and lowers your potential dividend yield. Global dividends are a great way to enhance your income on investments if you know what you are doing. We discuss how you can do that.

For more information, visit the show notes at https://moneytreepodcast.com/are-you-home-country-biased-global-dividends-can-provide-interesting-opportunities

Today's Panelists:

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

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Happy Independence Day! (2 Days Belated)

I hope you all enjoyed the holiday and spent some time reflecting on what is important in your life.

We are at it once again. You guessed it... Inflation. We are beating inflation like a rented mule. (Apologies in advance to all the rented mules who were offended by that comment.)

Since inflation is not going away, we are going to keep discussing this until everyone is up to speed. This has global impact so prepare yourselves.

This week we will be discussing the impact of inflation on valuations, should you invest in growth vs value, and we discuss the markets and what our thoughts are. Join us with your frosty beverage of choice (as long as your are not driving, or it is a slushy). Cheers!

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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This is another episode of Secrets of the Rich. Secret #17, Investing in Agriculture. Have you asked yourself why so many Billionaires are investing in agriculture? We discuss why on this weeks episode.

This is one of my favorite asset classes, yet so few people are investing in it. You should start to learn more.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-agriculture-for-income-growth-and-protection-from-inflation

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Inflation Alert...

Here is what you need to know about the impact of inflation on investments in your portfolio. We discuss stocks, bonds, real estate, cash, commodities, and more. Also I hope you have watched the prior episodes. IF you have not please click here to listen.

If you have then you are aware of our prediction about inflation. Now we are going to take you behind the curtain and show you how to know when you are wrong. We will be using ourselves as the guinea pigs for this one, but you can learn from this to apply to your own investing.

For more information, visit the show notes at https://moneytreepodcast.com/impact-of-inflation-on-investments-beware-of-inflation-4

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

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We interview Kevin Simpson about his expert strategy of covered call writing and dividends to generate enhanced yield for investors who are frustrated in this low yield environment. This is a great tool for people to understand and add to their toolbox. We also discuss how to hedge your portfolio in times of market volatility.

For more information, visit the show notes at https://moneytreepodcast.com/covered-call-writing-kevin-simpson

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Are you curious about how inflation affects real estate? Your home, investment property, land, etc. will all be affected by inflation. This is the biggest source of wealth for most Americans, so it is Urgent that you understand this fact.

We also discuss how asset allocation has changed and how you should be thinking about your own asset allocation.

For more information, visit the show notes at https://moneytreepodcast.com/how-does-inflation-affect-real-estate-your-portfolio-asset-allocation-inflation-4

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Pro College Planners

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High inflation is causing big problems in the economy, stock market and family budgets. When will it go back to "normal"? What is the Federal Reserve going to do? How can you prepare for what comes next? This interview is a great historical perspective on inflation from Gene Epstein, who as a former editor at Barron's, has seen this happen before and can share his perspective.

For more information, visit the show notes at https://moneytreepodcast.com/historical-perspective-on-inflation-editor-of-barrons-gene-epstein

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Why do we have inflation? I'm sure you have heard about 100 reasons why this is happening, yet none of them make sense to you. We are in a paradigm shift and most people will not realize this for at least another year.

In this episode we discuss what is inflation, why do we have it, how does this effect your real estate, should you buy real estate, and more...

For more information, visit the show notes at https://moneytreepodcast.com/why-do-we-have-inflation-bonus-episode-beware-of-inflation-3

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If you are worried about paying too much for your investments, this episode we discuss how to invest in distressed assets.

As we move towards a recession, many assets will become distressed and you will want to know how to invest and keep your risk low.

Should you feel guilty about finding bargains? We discuss that too.

For more information, visit the show notes at https://moneytreepodcast.com/101-guide-to-investing-distressed-assets-during-times-of-market-stress

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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This is the second bonus episode in our Beware of Inflation series where we discuss the impact of inflation on different assets and aspects of your life. This episode we discuss the impact of inflation on cryptocurrencies.

Do you think cryptocurrencies are a good hedge against inflation? The results may surprise you. We have some assets that are great hedges against inflation but for different reasons than you think.

For more information, visit the show notes at https://moneytreepodcast.com/impact-of-inflation-on-cryptocurrencies-gold-cash-bonus-episode

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Are you looking for higher yields? High yield bonds are historically an interesting way to increase the yields you get from your investments. Markets are getting rocky, so finding the right bonds are important. Many professionals love buying high yield bonds during tough markets. Bill talks about how he finds good bonds.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-high-yield-bonds-to-find-higher-yields-bill-zox

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We have a thorough discussion this week with Rick Ferri about passive investing and whether it makes sense for your portfolio.

We also discuss why Warren Buffett doesn't use passive investing, why it works, and if it will continue to work in the next 5 years.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/is-passive-investing-truly-the-best-strategy

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Debbie Todd discusses the 7 best ways to teach financial education to kids.

This is one of the biggest problems in this country... adults not having financial acumen... which starts when they are children.

Debbie talks about where this comes from, and how to fix it. If you have children, you want to listen to this episode.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/financial-education-for-kids-debbie-todd

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Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/

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This is an important announcement... This is a special bonus episode that will thoroughly explain this new inflation trend and the implications for your life. There is a paradigm change happening in the economy and you need to understand it.

Warning... this episode is long and important. This will be the first of many bonus episode released (future ones will be shorter) discussing the impact of inflation and how to protect yourself. This may scramble your brain a bit and change everything you think you know about the economy, markets and your life. Those of you who are clients are already being briefed about this new trend, but we also wanted to help prepare as many people as possible.

Important: Understanding this trend is the most important thing you can do for yourself and your family. You may not like what I have to say, but after you hear it, you will understand why I am telling you.

I will be in the guest seat tonight with my friend Douglas Heagren, a College Funding Expert.

I will be creating an Inflation Survival Guide in the next few weeks. Please let me know if you would like a complimentary copy.

For more information, visit the show notes at https://moneytreepodcast.com/beware-of-inflation-the-bonus-interview-that-will-change-your-life-kirk-chisholm

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Is high inflation keeping you up at night? If not it should. The financial markets are going through a paradigm shift that most people are not aware of. Investing in gold is historically one safe haven you should consider.

If you want to protect what you have and profit along the way George Milling Stanley has some answers for you. Listen to why gold makes sense now vs in the past, how you can incorporate gold into your portfolio, allocations, and different tools.

If you the markets have you seasick, don't miss this episode.

Today's Panelists:

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

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For more information, visit the show notes at https://moneytreepodcast.com/investing-in-gold-for-protection-and-profit-george-milling-stanley

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Some of the best hedge funds use a global macro trading strategy to beat the markets. Alex explains how he is able to use this strategy to understand the world better and manage risk.

He discusses how he reacted to March 2020 and how he is positioned for the increased volatility in the markets today.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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For more information, visit the show notes at https://moneytreepodcast.com/global-macro-trading-alex-gurevich

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This week we interview Eric Schoenstein about picking high quality value stocks in a volatile environment. The nature of the stock market has changed recently and most people have not noticed.

Eric explains the tools necessary to not only survive in this market but thrive. Its a good time to brush up on your value stock investing.

For more information, visit the show notes at https://moneytreepodcast.com/quality-value-stocks-eric-schoenstein

Today's Panelists:

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

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Good investment decision making is hard work and requires an understanding of how the markets operate. You cannot learn this in a textbook. We discuss some of the tools on our show with Victor Haghani.

Good predictors of top performing stocks, position sizing, asymmetric risk bets, and the puzzle of the missing billionaires.

For more information, visit the show notes at https://moneytreepodcast.com/investment-decision-making-victor-haghani

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This is a special interview this week where Barbara Friedberg interviews our host, Kirk Chisholm, about the top conservative options strategies that can be used to generate additional income for your portfolio. Options may be foreign to you, but these strategies pack a punch when you are looking for managing your risk, generating additional income or protecting your positions in a rocky market.

For more information, visit the show notes at https://moneytreepodcast.com/conservative-option-strategies-kirk-chisholm

Today's Panelists:

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

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This week we talk to Brittany Zimmerman, who has worked with NASA, ISS, and the US DoD. She has an inside track on the current and future technologies regarding space travel. We get some great insight on the commercial opportunities of space. If you want to invest in the final frontier, you will love this episode.

For more information, visit the show notes at https://moneytreepodcast.com/

Today's Panelists:

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

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We interview Bruce Liu about the best strategy for investing in China. We discuss the role of technology, why you old investing in China strategy is no longer valid and where you should invest for the future. You will definitely come away from this interview with a new insight on the Chinese economy.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-china-and-technology-bruce-liu

Today's Panelists:

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

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Want to buy some boring dividend stocks? These are stocks that people would look at your funny if you bragged about them at a party. Yet these are some of the best high quality stocks you can consider today.

Many of these stocks also pay you to hold them with a dividend.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-dividend-stocks-austin-graff

Today's Panelists:

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

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This is a great opportunity to pick the brain of the Chief Global Investment Strategist at Charles Schwab. Jeff Kleintop talks about what he thinks is in store for 2022 and how you should think about your investments. This is a great interview that you won't want to miss.

(This interview was done in January, so it does not address the Ukraine conflict.)

For more information, visit the show notes at https://moneytreepodcast.com/jeff-kleintop-schwab-2022

Today's Panelists:

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

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This week we interview Marcus Garrett about life after debt. We discuss the learn apply teach method, how different generations perceive debt differently, growing passive income, and how to go from heavy in debt to financial freedom. Learn from an expert who literally wrote the book on getting out of debt.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/

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These days, there are many options for investing. From the tried and true methods of investing such as mutual funds and bonds, to the more risky and volatile options like stocks, cryptocurrency, NFT’s, and the metaverse.

It’s all a delicate balance of risk vs reward.

One of the tried and true vehicles for investment is real estate. While many investors think you need a large amount of capital or an incredible amount of time to invest in real estate, the truth is you can invest in real estate with limited capital and if you partner with others as a passive investor it can require almost no time.

But what are the benefits of investing in real estate as opposed to other options like stocks, bonds, or crypto? What advantages do you get from investing in real estate as opposed to a tech startup or opening a restaurant?

The list of benefits for investing in real estate is exhaustive and impressive. When compared to other investment vehicles, real estate is unrivaled.

Listen to hear a few of the most attractive benefits when it comes to investing in real estate.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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For more information, visit the show notes at https://moneytreepodcast.com/benefits-of-investing-in-real-estate-ralph-geramin

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This week we interview Senior Economist at Zillow, Jeff Tucker. We discuss the state of the real estate market, what's changed, and what trends you need to be aware of.

For more information, visit the show notes at https://moneytreepodcast.com/zillow-real-estate-market-insights-with-jeff-tucker

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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This week we interview the financial coach for UFC fighters. We discuss some best practices that work for both UFC fighters and normal people. Personal finance, cash management, Brazillian Jiu Jitsu, professional card counting, and more.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/ufc-financial-coach-chris-hanna

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Check out this great interview with Yusef Alexander about socially responsible real estate development for multi family housing. We talk about some unique topics like, Why buy real estate in working-class areas, why your investment portfolio needs a multiplier, submarket optimization, why you need to continually invest in yourself.

For more information, visit the show notes at https://moneytreepodcast.com/socially-responsible-real-estate-development-yusef-alexander

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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Have you considered using the fix and flip strategy to make some extra money on the side?

Everyone should have multiple streams of income... But how can you get started and turn a fix and flip into money not a mess. Gabe discusses industry trends, some of the biggest hurdles to doing this successfully, how to hire, and more...

For more information, visit the show notes at https://moneytreepodcast.com/fix-and-flip-gabe-dasilva

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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So many people have midlife crisis, and COVID has not helped. You might need a break...

This week we interview Lisette Smith about the idea of taking a midlife gap year. College students take a gap year, why can't adults take one too. While this can take some planning, it can provide so many benefits to you and your family.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/

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Worried about lawsuits? Looking to hide your wealth from creditors? Want to make your wealth impenetrable?

This week we interview Doug Lodmell on some of the best asset protection strategies to Protect Your Wealth. We discuss the simple and complex strategies that Uber wealthy families use to protect themselves from outside and inside risks.

For more information, visit the show notes at https://moneytreepodcast.com/assets-protection-strategies-douglass-lodmell

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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2021 is finally in the books. Whew.

A lot happened in 2021 and you probably forgot all the news stories. When I looked back I was surprised to see all the "fear" stories in the news. Fortunately we have a whole new year ahead for opportunities.

This week we discuss year end returns, what happened, what you missed, and how to invest for 2022.

Dual Impact Funds is the sponsor of this episode. Click Here for more details.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/2022-year-end-review-the-year-ahead

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What does an opera singer have to do with being successful in real estate?

We find out this week as we interview Josh Benaim, an expert in developing real estate in difficult cities and what risks you should be aware of.

Dual Impact Funds is the sponsor of this episode. See https://moneytreepodcast.com/IQ-Dual-Impact-1 for more details.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Megan Gorman | The Wealth Intersection
Mindy Jensen | Bigger Pockets

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For more information, visit the show notes at https://moneytreepodcast.com/developing-real-estate-josh-benaim

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We interview Francis Gannon, one of the most well known small cap managers with a tremendous track record of success. We discuss where you can find value by investing in small cap stocks, the impact of inflation, investing internationally, and more.

Dual Impact Funds is the sponsor of this episode. See https://moneytreepodcast.com/IQ-Dual-Impact-1 for more details.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-small-cap-value-francis-gannon

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Are you looking for the next big trend?

Are you looking to invest in environmentally green energy before everyone else?

We dive right into this big energy trend that almost no one is talking about. We interview Scott Melbye about investing in uranium, nuclear energy, the next generation of technology, how you could have clean nuclear energy in your own home, and why the risks of the past are no longer an issue. Scott also talks about his genius way to invest in this trend while mitigating most of the commodity prices issues.

Dual Impact Funds is the sponsor of this episode. See https://moneytreepodcast.com/IQ-Dual-Impact-1 for more details.

For the show notes, visit https://moneytreepodcast.com/investing-in-uranium-scott-melbye

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Are your kids money smart?

This week we interview Robin Taub about how you can raise money smart kids. We discuss 11 financial habits that give them a good foundation in life, behavioral bias, a good age to start, the 5 pillars of monye and more.

Dual Impact Funds is the sponsor of this episode. See https://moneytreepodcast.com/IQ-Dual-Impact-1 for more details.

For more information, visit the show notes at https://moneytreepodcast.com/11-top-strategies-for-raising-money-smart-kids

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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Are you a victim of investment fraud? You might be but don't know it yet.

We interview David Meyer, an attorney representing investment fraud victims. He discusses the top ways fraudsters take advantage of investors, top questions you should ask, and which professionals you need to be particularly careful of working with.

Dual Impact Funds is the sponsor of this episode. Click here for more details.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

Visit the show notes at https://moneytreepodcast.com/investment-fraud-101-how-to-protect-yourself-from-fraudsters

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Real Stories of real investors: Currency Trading

This week we interview Rob Booker about trading currencies, stocks, FOREX, futures and his successes and failures doing so. We discuss the use of leverage, carry trades, currency pairs, managing risk, and some of his favorite books to get up to speed.

Dual Impact Funds is the sponsor of this episode. For details go to https://moneytreepodcast.com/IQ-Dual-Impact-1

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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Want to buy real estate with no money down?

Don't have any money, credit, or experience?

Carleton Sheets tells us you can do it. So does Terry Hale.

We dig into this theory of creative seller financing with Terry and see if it is possible. He is doing this himself and teaching others to as well. Listen in to find out if you can apply this to your lifestyle.

Dual Impact Funds is the sponsor of this episode. Click for more details.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/creative-seller-financing-terry-hale

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Physician real estate investor Dr. Mas Oishi discusses some of his successes and failures as a real estate investor, how he got started and some of the geographic opportunities he sees in 2022 for growth.

We also discuss why it is important for physicians to plan for their later years today.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/physician-real-estate-investor-mas-oishi

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This week we have another episode of our most popular series Secrets of the Rich. We interview an accountant for some of America's 1% of the 1%, Julio Gonzalez.

We discuss why the US tax system is structured the way it is, and how you can take advantage of the rules as they are written... Legally. We dive into tax credits and incentives that you can use no matter your level of wealth.

Big secret... The US government wants you to use these secrets. So why have you not heard of these before? We discuss that too.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/julio-gonzalez-engineered-tax-services

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We interview fix and flip real estate expert, Tony Javier, about his successes and failures, why he went Carleton Sheets style old school with his marketing, and what geographies are giving him the most opportunities.

Don't miss this great insight into fix and flip real estate done the right way.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/fix-and-flip-real-estate-tony-javier

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I'm sure you have heard from people that passive investing is better... or that active investing is better, but you have never heard them debated like this.

Tom Sosnoff, founder and CEO of tastytrades, is a staunch proponent of active investing. Tom is a prior guest on our show and he brings with him lots of data and his own thinktank proving his approach is best.

Rick Ferri, the president of the John C. Bogle Center for Financial Literacy and host of bogleheads on Investing podcast, comes out swinging with his own data of why passive investing beats active investing. Many people talk about passive investing being the better approach. Rick will show you why.

Don't miss this epic event. Maybe the best debate ever on this show.

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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For more information, visit the show notes at https://moneytreepodcast.com/active-vs-passive-investing-rick-ferri-tom-sosnoff

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Want to get paid every time a Taylor Swift song is played?

I do. You can too.

This week we dive into another secret of the rich and famous. Investing in music royalties. This is a cool and lucrative investment that you probably would not have thought of. Prior to this you need to have connections to invest in music royalties. Institutional money has been investing in this space for a while, and now you can too. Find out how on this week's episode.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-music-royalties-adam-cowherd

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Ever wonder why fundamental analysis and value investing is consistently disappointing you? I'll give you a clue. You are not seeing the complete picture.

We interview one of the most vocal proponents of technical analysis and charting, JC Parets. We discuss everything you want to know about technical analysis and why he predicted this year would disappoint investors compared to last year.

Topics we discuss in this episode:

The top indicators he looks for when making a trade
The one indicator that tops all others, and it is so simple you probably won't believe it.
Sizing your trades
Risk management
How to trade different markets without being an expert in that investment

Join us for insights into where the market is going for Q4 2021.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/jc-parets-technical-analysis-for-fun-and-profit

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Worried about a global financial crisis?

You should be. What Black Swan events are hiding under the surface that you are not aware of?

We discuss this and more on this episode where we interview macro economist, Richard Duncan. We discuss risks, opportunities & how to protect yourself from the next global financial crisis that is right around the corner.

Here are some topics we discuss:

Capitalism vs creditism
How much credit needs to be created to keep us out of a recession?
Is inflation or deflation going to impact our economy in the short term?
The China Bubble
The Fed Taper implications

For more information, visit the show notes at https://moneytreepodcast.com/richard-duncan-macro-economics

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

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Want to learn more about fundamental value investing? This week we interview Charles Sunnucks, who literally wrote the book on value investing.

We discuss what it means to be a value investor, the importance of fundamental analysis, investing internationally, and more. There are a lot of value opportunities internationally, and Charles helps us identify them for you.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/value-investing-charles-sunnucks

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2020 was a crazy year in the markets. Most people both made and lost a lot of money in 2020. Today we interview a guy who won the US Investing Championship in 2020 with a total return of 941.1%. Sound crazy? Its true.

I learn a lot from Oliver about how he was successful in 2020. Listen to find out how you can improve your trading strategy.

For more information, visit the show notes at https://moneytreepodcast.com/us-trading-championship-2020-oliver-kell

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Michael Rechenthin | tastytrades
Megan Gorman | The Wealth Intersection

Follow on Facebook: https://www.facebook.com/moneytreepodcast

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Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/startup-incubator-steven-hoffman

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The Founder of Founder Space, Captain Steve Hoffman, talks with us about how his startup incubator and accelerator helps companies to thrive and how you can improve your chances of success investing in startup companies.

We discuss trends in the start up space, why it is important to look for the exit, why we are in a winner take all world, and how to determine a good deal for investors.

Today's Panelists:

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

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter: https://twitter.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/startup-incubator-steven-hoffman

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We had a lot of fun this week on our interview with Eryka Gemma. We discuss cryptocurrency, NFTs, DeFi, staking, lightning strike, El salvador's big announcement, Florida's involvement, and more...

Eryka is a cryptocurrency maven. She knows the whos who of the cryptocurrency world... She is the whos who of the cryptocurrency world.

This was a great interview with someone who has a finger on the pulse of the crypto market. I would also like to add she and I were on stage at Freedomfest in July with a debate of gold vs bitcoin. It was definitely was the surprise (not to us) hit of the conference.

For more information, visit the show notes at https://moneytreepodcast.com/cryptocurrency-eryka-gemma-bitcoin

Today's Panelists:

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

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Patrick Dunuwila, CMT and founder of The Chart Report discusses all manner of charting secrets, what to look for and why, and his favored style of investing.

Patrick works with a lot of top traders, so you will learn a lot from this episode.

For more information, visit the show notes at https://moneytreepodcast.com/the-chart-report-patrick-dunuwila

Today's Panelists:

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

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Larry Kotlikoff was made famous a few years back with his purple plan. This was a bi-partisan effort to solve some of our nations fiscal problems. We discuss some of these problems ( social security, taxes, carbon taxes, deficits, and more).

Now Larry is taking on a much bigger problem... the biggest problems in personal finance today. Don't miss this episode.

For more information, visit the show notes at https://moneytreepodcast.com/larry-kotlikoff-us-economic-policy

Today's Panelists:

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

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Great interview this week with Options Trading Strategies expert, Tom Sosnoff.

We discuss how Tom got started, what options trading strategies work, and which don't, why he started the Tasty Trade options think tank, and why he always sells. Want to invest with true risk management?

Listen to this episode with a lifelong industry insider from the options industry.

For more information, visit the show notes at https://moneytreepodcast.com/options-trading-strategies-tom-sosnoff

Today's Panelists:

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

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We have an honest discussion about gold this week with an honest gold dealer. Yes I know its an oxymoron, but we get the real scoop about what you should look out for and how you should look at investing in gold for your portfolio. We discuss what kinds of coins you should consider... and more importantly, which ones to avoid. Gold, Silver, Platinum, Palladium, Rhodium, and more.

For those of you who missed Freedomfest 2021 in July, Rich was my debate partner with the famous Gold vs Bitcoin Debate. I think we won. What do you think?

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-gold-richard-checkan

Today's Panelists:

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

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This week we interview an insider who teaches us how to do proper due diligence on a company (public or private).

Elliott discusses what to look for and (more importantly) what to avoid. This is real world advice you cannot learn in a class room. I love this topic.

For more information, visit the show notes at https://moneytreepodcast.com/due-diligence-elliot-holland

Today's Panelists:

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

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Are you looking to profit from the 5G revolution which is changing the future of technology?

Have you considered cell tower leasing as a way to generate passive income from your real estate?

We interview Hugh Odom this week about the future of cell towers, 5G, and how you can profit from the growth in this sector.

For more information, visit the show notes at https://moneytreepodcast.com/hugh-odom

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How can I afford to send my kids to college without putting myself into the poorhouse?

Is the cost of college worth the price?

Does everyone need a college education?

We discuss these questions and more on this weeks show. This is a topic we will come back to time and time again to help people make the most of college for their kids.

For more information, visit the show notes at https://moneytreepodcast.com/the-cost-of-college-ron-lieber

Today's Panelists:

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

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Great interview with expert swing trader, Brian Shannon. We discuss his success with technical analysis, swing trading, VWAP, time frames and more...

Brian is a great educator of other traders and he eats his own cooking. He brings a great perspective of how to think about trading differently using different time frames, VWAP, and more.

Price Volume and Time... What else is there to know?

Oh and he wrote one of the top Ten books on Technical Analysis... he is no slouch.

For more information, visit the show notes at https://moneytreepodcast.com/technical-analysis-brian-shannon

Today's Panelists:

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

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The secrets to investing are all in your head... Also known as behavioral finance.

You don't need to be a psychologist. Daniel Crosby distills hundreds of behavioral bias down to 4 main categories and makes is simple to understand so you too can be a successful investor.

The best investors in the world and large financial institutions understand these secrets. You should too.

This interview is pure podcast gold.

Learn your biggest enemy in investing.

Are men or women better investors?

Did you know people expect 17% returns annually from here... should they?

Mindfulness and investing.

For more information, visit the show notes at https://moneytreepodcast.com/behavioral-finance-daniel-crosby

Today's Panelists:

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

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This week we discuss a historical approach to asset allocation investing with Dan Rasmussen. This was a great interview where we really dig into the history so we can be prepared for Economimc crisis, inflation, stagflation, market volatility, bubbles and more.

Topics we address:

What assets are the best ones to buy in a crisis
Why do crisis happen?
The importance of liquidity
Value investing
Japan
The current bubbles
Inflation, Deflation, and stagflation
How to not be fooled by history

For more information, visit the show notes at https://moneytreepodcast.com/asset-allocation-investing-dan-rasmussen

Today's Panelists:

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

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Learn how real estate investors can save on taxes and get tax credits for their investments. This week we interview Bobby Thames on tax credits, tax incentives and cost segregation.

If you own real estate and you have not considered this, you need to listen to this episode.

For more information, visit the show notes at https://moneytreepodcast.com/cost-segregation-bobby-thames

Today's Panelists:

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

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Have you been looking for yield in all the wrong places?

Lets talk about the right ones... Secured Mortgage Notes.

Never heard of it? You are not alone. This is an enormous market place where people lend and borrow money for real estate privately... not through the banks. So the yields can be much higher.

Check out our episode this week on Secured private mortgages, private notes, REO, and other secured paper.

For more information, visit the show notes at https://moneytreepodcast.com/secured-mortgage-notes-chris-seveney

Today's Panelists:

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

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Want to know where the big money is investing in real estate? This week we interview Brian Adams about how the Ultra High Net worth family offices, institutions and big money is investing in real estate syndications.

We discuss recent real estate syndication trends, some hot locations, demographic shifts, risks to look out for and more.

For more information, visit the show notes at https://moneytreepodcast.com/brian-adams-real-estate-syndication-trends

Today's Panelists:

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

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Real estate prices are continuing to skyrocket. People continue to flee to the suburbs. Lumber prices are up 300%+ People are paying above listed price all cash offers sight unseen. Where is this madness going to end?

On top of that, Inflation is starting to pick up. Commodity prices are rising... when they have done nothing but drop for over 10 years.

Have we finally turned the corner and started to see the inflation that the Fed has so desperately been seeking.

We discuss all this and more on the show today with Greg McBride, from Bankrate.com.

For more information, visit the show notes at https://moneytreepodcast.com/real-estate-inflation-greg-mcbride

Today's Panelists:

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

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Join us for the pilgrimage to the Berkshire Hathaway Annual Meeting 2021... virtually.

This week we discuss the points made by Buffett and Munger at the annual meeting as well as some of things that Buffett missed.

For more information, visit the show notes at https://moneytreepodcast.com/berkshire-hathaway-annual-meeting-2021

Today's Panelists:

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

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Which would you rather have Gold or Bitcoin?

No matter what side you believe in, this gold vs bitcoin debate will cause you to rethink your position.

We have 4 experts debating whether Gold vs Bitcoin is better. You don't want to miss this debate.

The big topics we discuss: What is the best store of wealth, liquidity, potential threats, transparency, environmental impact, and better impact on mankind.

If you liked this debate, we will also be holding this debate at Freedomfest 2021 in South Dakota this summer July 21 - 24th. If you are in the area, stop by and say hi. (Register here: http://www.freedomfest.com/2021-featured-speakers

Kirk Chisholm | Innovative Wealth
Rich Checkan | Asset Strategies International
Eryka Gemma | Bank of Eryka
Paul Rosenberg | Cryptohippie

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It is time for your best questions. This week we answer, when is the housing market going to crash, are we going to get higher inflation, and how to get income in this environment with dividend stocks.

Send us your questions and you can be famous on our show.

For more information, visit the show notes at https://moneytreepodcast.com/listener-questions-housing-market-crash-inflation-dividend-stocks

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Are you still wondering what all the fuss is about?

Still think cryptocurrencies are the next tulip bubble?

This week we interview Paul Rosenberg about why everyone is excited about investing in cryptocurrencies. We discuss what is preventing widespread adoption, "stock to flow", privacy coins, and why you need to take a second look at how blockchain technology is going to change the world.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-cryptocurrencies-paul-rosenberg

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Megan Gorman | The Wealth Intersection
Tim Picciott | The Liberty Advisor

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A great interview with Michael Sonnenfeldt, founder and chairman of Tiger 21, a peer network of successful high net worth individuals.

We discuss what it is like for successful entrepreneurs to have an successful exit, then deal with new wealth, how to raise kids around wealth, what surprises they encounter, how to deal with loss, why entrepreneurs have the opposite mindset of successful investors, and more.

For more information, visit the show notes at https://moneytreepodcast.com/tiger-21-michael-sonnenfeldt-successful-entrepreneurs

Today's Panelists:

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

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Are you a prolific investor?

We interview Chris Odegard about his story of going from employee to full time investor.

He talks about how he learn to be a smart investor, books he has read, and why he invests in alternative investments.

Chris had some investments even I had not considered. This interview was a real eye-opener. He also talks about his hierarchy of investors.

For more information, visit the show notes at https://moneytreepodcast.com/prolific-investor-chris-odegard

Today's Panelists:

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

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What is the easiest way to ease your way into overseas real estate investing?

Are you a Pioneer or a Settler? What country should you consider? What is not listed in the brochures? All these questions and more are answered on the show.

We also talk about one of my favorite topics... How to do due diligence. Mike talks about his 100 question questionnaire. This guy is thorough. You will learn a lot. I know I did.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-overseas-real-estate-michael-cobb

Today's Panelists:

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

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Have you considered investing in real estate syndications?

They can be a great way to invest if you do your due diligence properly.

Learn the secret questions to ask real estate syndicators to make sure it is a good investment for you. Are you focusing on financial offense or financial defense? Vetting values and more...

For more information, visit the show notes at https://moneytreepodcast.com/choosing-real-estate-syndications-over-technology-due-diligence-investing-secrets

Today's Panelists:

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

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Do you need financial therapy? Studies suggest you do...

Are you money avoidant, money vigilant, or money worship?

This week we discuss financial therapy, money scripts, cognitive bias and more.

For more information, visit the show notes at https://moneytreepodcast.com/megan-mccoy-financial-therapy/

Today's Panelists:

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

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Want to learn the secrets of smart estate planning strategies?

This week we interview an estate planning attorney, Ali Katz, who is an expert in estate planning for families. We discuss some of the top mistakes people make, how you can find out about the mistakes wealthy people make, and why one of the best strategies means you have to start early.

For more information, visit the show notes at https://moneytreepodcast.com/smart-estate-planning-ali-katz

Today's Panelists:

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

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The markets are at all time highs, the US Federal Government is printing 1.9 Trillion dollars with the government bailout, and the Federal Reserve has virtually said they are going to print money until they run out of paper.

Where should you invest your money today?

That is the question on everyone's mind. We discuss some areas your should be looking at and where the market is changing that you might not be aware.

Barbara Friedberg penned a great article, Where to invest in an overvalued market: https://barbarafriedbergpersonalfinance.com/where-invest-overvalued-market

For more information, visit the show notes at https://moneytreepodcast.com/where-to-invest-today

Today's Panelists:

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

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Have you ever considered investing in a start up? Have you ever been offered the opportunity to invest in a friends and family offering? Thought it would become the next Facebook, Apple, or Google?

You need to listen to this episode to determine the choice for your investing needs. We interview Tom Wallace about angel investing and VC investing.

For more information, visit the show notes at https://moneytreepodcast.com/angel-investing-tom-wallace

Today's Panelists:

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

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Looking to invest in a business, real estate or a horse?

Ever wonder why some people are good at investing in anything they invest in while others cannot seem to make it work?

This week we interview J Scott about how he manages to invest in a wide variety of investments and do it well.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-a-business-j-scott

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Looking to invest like the wealthy? Consider investing in wine. This asset class is not something you will hear on the news, but if you enjoy fine vintages, it is a short jump to become an investor.

Follow Peter Lynch's advice and invest in what you know.

Join us for this interesting episode about investing in wine.

For more information, visit the show notes at https://moneytreepodcast.com/alternative-investments-not-just-for-the-wealthy-investing-in-wine-with-anthony-zhang

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Roger Nabedian | E & J Gallo Winery
Megan Gorman | The Wealth Intersection

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Jeff Kleintop is the Chief Global Investment Strategist at Charles Schwab. If you don't know what that means... He's a big deal.

This week we discuss the markets from a global perspective, current trends, and macro perspectives that you might not be considering.

2021 is going to be an interesting year. From what Jeff says, you are going to want to be positioned correctly to benefit from these trends.

For more information, visit the show notes at https://moneytreepodcast.com/jeffrey-kleintop-charles-schwabs-state-of-the-global-markets-2021

Today's Panelists:

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

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We mix it up this week and get financially naked with Jackie Porter. This was a fun episode where Jackie bares all about how to get financially naked with your partner, how men and women treat money differently, you-me-we budgets, and more.

For more information, visit the show notes at https://moneytreepodcast.com/getting-financially-naked-with-jackie-porter

Today's Panelists:

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

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We interview flipping real estate expert Paul Thompkins about all the things that can go wrong, how to manage risk, how to make the most of your flip.

For more information, visit the show notes at https://moneytreepodcast.com/flipping-real-estate-paul-thompkins

Today's Panelists:

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

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This week we interview multi family real estate expert, Rod Khleif, about how he lost $50,000,000 in real estate and bounced back even stronger in his quest to create real estate wealth.

We discuss the value of having the right mindset, how to pivot when you are wrong, the power of setting your intentions and being clear on what you want, real estate risk management tips and more...

For more information, visit the show notes at https://moneytreepodcast.com/how-i-lost-50000000-in-real-estate-with-rod-khleif

Today's Panelists:

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

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Join us for the 2020 Year End Wrap Up and Review.

We discuss what happened in 2020, where we are now, and where things are going for 2021. We also discuss how to look at your 2020 performance, how to analyze the markets, what is relevant for 2021, and more.

Don't miss this timely review to get your portfolio ready for 2021.

Reference links from the show:

Is a 10% return good or bad
Is a 10% return good or bad (video)
JP Morgan Market Insights - Guide to the Markets (January 2021)

For more information, visit the show notes at https://moneytreepodcast.com/2020-year-end-wrap-up

Today's Panelists:

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

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Are you considering a reverse mortgage as a part of your retirement plan?

Are you worried these products are still the black sheep of retirement planning?

You might be surprised that things have changed a bit in the reverse mortgage market.

Check out this interview with Steve Resch where we discuss the ins and outs of reverse mortgages, why they have improved over the original products, and when it makes sense to consider for your retirement planning needs.

For more information, visit the show notes at https://moneytreepodcast.com/reverse-mortgage-steve-resch

Today's Panelists:

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

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This week we discuss day trading for beginners. We talk about different ways to trade, risk management, swing trading, the effect of stock splits, options, price vs valuation, and expectations people should have when they are trading.

For more information, visit the show notes at https://moneytreepodcast.com/day-trading-for-beginners-jerremy-newsome

Today's Panelists:

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

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The smart private mortgage lenders are preparing for this event... Banks are too... Wall Street is asleep at the switch again. Find out what this means for your real estate investments.

Industry insider Eddie Speed talks about the right way to structure a deal, The 6 factors to price the deal properly, and how you can prepare for this event which could make or break your wealth.

For more information, visit the show notes at https://moneytreepodcast.com/private-mortgage-lenders-eddie-speed

Today's Panelists:

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

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Did you know that most of global growth beyond 2020 is not coming from US, Europe, Japan, but rather from these emerging markets?

Most people are scared to invest outside their home country. It is called home country bias. Investors around the world have this same bias. However we want you to move beyond your comfort zone to look outside your home country at where the growth is happening for the next 80+ years.

We interview Kevin Carter and discuss emerging market investing and where he sees value in the world today.

For more information, visit the show notes at https://moneytreepodcast.com/emerging-market-investing-for-2020-and-beyond-locating-opportunities-with-tremendous-growth-potential

Today's Panelists:

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

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Have you ever thought how cool it would be to win 100 million+ in a lawsuit so you never have to work again? Ya me too.

Fortunately there is a way to make money from someone else's lawsuit without going to court.

This week we dive into Investing Secrets of The Rich Series (Episode #11): Litigation finance

This investing secret for the rich is so secret that even some of Wall Street's Smartest investors are not aware that this is possible. We interview one of the industry's insiders to learn more about how this works.

For more information, visit the show notes at https://moneytreepodcast.com/litigation-finance-jay-greenberg

Today's Panelists:

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

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Are you worried about inflation? You are not alone. most people are worried about all the money printing from the Federal Reserve. We interview Nancy Davis about an interesting new tool to manage portfolio risk.

Have you hear of using interest rate volatility as a risk management tool? We discuss this, Inflation, how to manage your fixed income exposure with low interest rates, and more.

For more information, visit the show notes at https://moneytreepodcast.com/interest-rate-volatility-inflation-nancy-davis

Today's Panelists:

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

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Want to be a successful day trader? Think you have the chops to do it for a living?

This interview with Chris Tate gives you exactly what you need to be successful with his day trading secrets. We discuss the ins and outs of day trading for a living and the essential components for you to be successful.

We discuss what to trade (or not to trade), why magic systems don't work, how to size your positions, basics of trading, the importance of psychology, and some of his favorite books.

This is a must listen to episode if you want to know how the sausage is made with successful traders.

For more information, visit the show notes at https://moneytreepodcast.com/day-trading-secret-chris-tate

Today's Panelists:

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

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Have you been over paying for your homeowners insurance?

Would you even know if you were?

We interview industry insider Sean Harper about how he is innovating the homeowners insurance industry to reduce your costs by taking a different look at how the insurance companies calculate risk. Did you know these insurance companies are using the same methods from decades ago even though technology has allowed them to be more efficient?

This insider interview has given me a lot of interesting insight in an industry we don't think much about, but should.

For more information, visit the show notes at https://moneytreepodcast.com/homeowners-insurance-sean-harper

Today's Panelists:

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

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This week we interview famed Yale Professor, Roger Ibbotson about the state of the stock market, the future of interest rates, value vs growth and how to look at the allocation of bonds in your portfolio.

For more information, visit the show notes at https://moneytreepodcast.com/roger-ibbotson-yale-professor

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Megan Gorman | The Wealth Intersection
Nicole Tanenbaum | Chequers Financial Management

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Have you ever wanted to start a fund of your own? We discuss how to start a fund with Bridger Pennington. It is a lot easier than you think, but not simple. You need to do your homework.

This is a good insight into how funds work and some steps you can take to set up your own fund.

For more information, visit the show notes at https://moneytreepodcast.com/learn-how-to-start-a-fund-to-grow-your-wealth

Today's Panelists:

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

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Have you hear about the oil and gas boom going on, but are wondering why the Oil futures were actually trading for a price below $0?

This week we interview Troy Eckard about what the future holds for oil and gas, the best ways to invest in the space and where the opportunities are for the astute investor. This is a great interview with an oil and gas insider.

For more information, visit the show notes at https://moneytreepodcast.com/natural-gas-investing-troy-eckard

Today's Panelists:

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

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Join us for another episode of Tax Loopholes of the Rich, where we discuss the Delaware Statutory Trust (DST), 1031 exchange, and more advanced tax strategies for investors who are looking at selling their assets. We discuss how to think about advanced tax strategies and what you goal "should" be.

For more information, visit the show notes at https://moneytreepodcast.com/tax-advantaged-investments-in-real-estate-dst-jason-salmon

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Megan Gorman | The Wealth Intersection
Miranda Marquit | MirandaMarquit.com

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Money Honey Rachel Richards retired at age 27 with a $15,000 per month passive income stream. Do you feel lazy yet? I know I do after hearing that.

Find out how she did it and how you can too. Don't worry if you are 28, 35, or 60 years old, the principals she talks about are just as applicable at age 60 as they are at 25. Learn the secrets to her success on this week's show.

For more information, visit the show notes at https://moneytreepodcast.com/money-honey-rachel-richards-passive-income

Today's Panelists:

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

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This week we interview dealmaker Carl Allen about how he has worked on over 330 transactions to acquire companies.

We discuss what to look for if you are investing in small businesses, what to avoid, how to find the best deals, and how to create value instantly when you buy.

Join us this week to learn how to build wealth outside of your W2 income.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-small-businesses-carl-allen

Today's Panelists:

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

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This is one of Kirk's favorite asset classes. Learn why he loves investing in tax liens and you should too.

Industry insider, Joanne Musa, talks about why investing in tax liens is a secret way to wealth. We discuss where you can find the best tax liens, the best states to consider, the risks and rewards, what you need to know to be successful, and why some of the largest Wall Street banks don't want you to know about it.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-tax-liens-joanne-musa-tax-lien-lady

Today's Panelists:

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

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This week we discuss mobile home park investing with Jefferson Lilly. Think you are too high-brow for this type of investing? You might want to take another look. We discuss the ins and outs of investing in mobile home parks, how technology improves your odds of success, and the importance of location. This was an eye-opener of an interview.

For more information, visit the show notes at https://moneytreepodcast.com/mobile-home-park-investing-jefferson-lilly

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Megan Gorman | The Wealth Intersection
Mindy Jensen | Bigger Pockets

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We interview venture capital investing expert Carey Ransom about why you should consider venture capital in your portfolio and why you shouldn't.

It's not just for the wealthy. We discuss, why venture capital investing is broken, how to value investments, why due diligence is important and more.

For more information, visit the show notes at https://moneytreepodcast.com/venture-capital-investing-carey-ransom

Today's Panelists:

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

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Rob Arnott, Chairman and founder of Research Affiliates, discusses his most recent paper: The COVID-19 Crash and the Abandonment of the Pensioner. He is on my must read list of investing writers.

We discuss why the US Pension Crisis is such a huge problem, how COVID exasperated the problem, the state of the states pension obligations, which states are well off and which are in trouble, and the possible solutions to solve the problem.

For more information, visit the show notes at https://moneytreepodcast.com/pension-crisis-rob-arnott

Today's Panelists:

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

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This week we interview the Land Geek, Mark Podolsky.

We discuss investing in raw land as a professional investor, the pros and cons, and how you can make money investing in raw land.

I've always been curious about how people make money investing in raw land, and Mark was not shy about sharing his secrets. Listen in about investing in raw land 101.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-raw-land-mark-podolsky

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Seth Williams | REtipster

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You are only young once. Yet your investing decisions early on are extremely important to get right if you want to retire wealthy. We discuss sacrificing today vs tomorrow. why compounding is important to growing wealth and more...

For more information, visit the show notes at https://moneytreepodcast.com/investing-at-a-young-age-caleb-gulliams

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This week we interview an unorthodox investor... A self-taught investor with a gift for uncovering the secrets of money through storytelling.

We discuss some of his early lessons of investing and what he has learned without working on Wall Street or going to business school.

For more information, visit the show notes at https://moneytreepodcast.com/secrets-of-money-mesh-lakhani

Today's Panelists:

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

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I have interviewed some great investors on this show and one thing comes to mind...

While all the greats are using a form of mindfulness, they never describe it that way. This interview with Jonathan Deyoe dives into the concept of how mindfulness can help you become a better investor.

We also discuss some wall street myths, meditation, and why simplicity in financial planning is better than complex...

And if that isn't enough we talk about how to create a happiness dividend.

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

Today's Panelists:

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

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Yan shows us how he managed to build a 7 figure business with very few resources. He teaches us how to leverage your credit, travel hack and repair your credit.

This is a very interesting episode where we learn many simple and easy tips and tricks of credit repair, travel hacking and how he used the system to create an ideal lifestyle with very few resources.

For more information, visit the show notes at https://moneytreepodcast.com/leveraging-credit-credit-repair-travel-hacking-yan-stavasski/

Today's Panelists:

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

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How are you looking to invest in real estate?

Direct investment? ... Syndicate? ... Partnership? ... crowdfunding site?

We interview the guru of real estate crowdfunding... Ian Ippolito. He has researched them all and he talks about the tips and tricks of real estate crowdfunding.

For more, go to https://moneytreepodcast.com/real-estate-crowfunding-review-ian-ippolito

Today's Panelists:

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

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Richard Smith spent the last 16 years leveling the playing field for individual investors.

We discuss some risk management secrets of professional hedge fund managers: how they manage risk in their portfolios, reduce volatility & protect wealth via stop loss strategies.

This is a great episode for novice and professional investors alike. Join us to learn how to invest with less risk.

For more information, visit the show notes at http://moneytreepodcast.com/risk-management-stop-loss-volatility-stock-picking-and-more

Today's Panelists * Kirk Chisholm | Innovative Wealth * Barbara Friedberg | Barbara Friedberg Personal Finance * Megan Gorman | The Wealth Intersection

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This week we interview Jessica Fioneers about SloFi.

It is a acronym bonanza

SloFI...

FIRE...

YOLO...

and F-You money... well the last one is not quite an acronym, but who doesn't want that.

For more information, visit the show notes at https://moneytreepodcast.com/fioneers-slofi-make-your-life-better

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Do you like the country you live in? Have you imagined living in another country? What about investing in another country?

On this week's show we discuss a lifestyle that many imagine... and only a few really live. The life of an expat, living overseas, making money while you travel, and offshore investing. I really enjoyed this interview with Mikkel Thorup. He is a seasoned traveler and teaches others about how they can live this lifestyle as well.

For more information, visit the show notes at https://moneytreepodcast.com/offshore-investing-life-as-an-expat-mikkel-thorup

Today's Panelists:

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

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Rebecca Wiggins, Executive Director of AFCPE has done a great job of bringing more financial help to the public. The AFC designation (Accredited Financial Councilor), focuses on providing help to people on the numbers side of finance, but also the emotional side of numbers.

We discuss the emerging side of financial advice and why it is necessary to fill some voids in the personal finance space.

For more information, visit the show notes at https://moneytreepodcast.com/afcep-financial-councilor-rebecca-wiggins

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Barbara Friedberg | Barbara Friedberg Personal Finance
Megan Gorman | The Wealth Intersection
Garret Philben | Be Awesome Not Broke

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Ever wondered why financial literacy for kids is not taught in school?

Me too...

We discuss why this is the case and how to make your kids financially literate. There are a number of techniques that are important to use in teaching kids about finance and not all of these methods are obvious.

Today's Panelists * Kirk Chisholm | Innovative Wealth * Barbara Friedberg | Barbara Friedberg Personal Finance * Megan Gorman | The Wealth Intersection

For more information, visit the show notes at https://moneytreepodcast.com/financial-literacy-for-kids-debbie-todd-cpa

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This week we discuss how to think about budgeting when you don't want to think about budgeting.

This is a great episode where we discuss a number of related topics to help you improve your money mindset, setting your intentions, making more money vs cutting expenses, creating passive cash flow, how to live on the go with no permanent residence, and more. It is a budgeting made easy episode.

Nick truly (no pun intended) is one of the most interesting people we have interviewed on this show. While I shy away from keeping up with the Joneses and FOMO, Nick takes this line of thinking to a whole new level. He caused me to reexamine my premises. This is something we all should do from time to time.

**Today's Panelists**   * Kirk Chisholm | Innovative Wealth

Barbara Friedberg | Barbara Friedberg Personal Finance
Megan Gorman | The Wealth Intersection
Mark English | Innovative Wealth

For more information, visit the show notes at https://moneytreepodcast.com/budgeting-made-easy-nick-true

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The stock market is approaching all-time highs... yet unemployment is somewhere between 13-20%. Prior to the selloff, It was below 4%. What am I missing???

How should an investor invest in this market?

Buy and hold, DCA, market timing, or another secret strategy...

We discuss these issues, the 5 types of wealth management firms, and Barbipedia. We had a lot of fun on this episode. Join us for and market update.

For more information, visit the show notes at https://moneytreepodcast.com/types-of-wealth-management-firms/

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Have you ever wondered why there is such a large wealth gap in the US?

Do you know why the middle class is disappearing?

Have you thought about why our financial system is so unstable?

You might be surprised at the answers to these questions. You don't have to look far, because the answers are found in the history of money. Join us this week as we interview money historian, John Sneisen on our show.

For more information, visit the show notes

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Is your ETF employing the best strategies for this market?

This week we discuss ETFs and why you should consider them for your portfolio.

We discuss the difference between mutual funds and ETFs, active and passive ETF strategies, Smart Beta, ex-out indexing, quant strategies, gold, and more.

For more information, visit the show notes at https://moneytreepodcast.com/298

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Are you trying to maximize your social security benefits?

Confused by the complexity of when to apply?

Looking for someone to make it easy?

This week we interview a social security expert, Devin Carroll about the best practices, helpful tips and tools you can use to optimize your social security benefits.

For more information, visit the show notes at https://moneytreepodcast.com/297

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The 5 F's of Finance discusses financial fraud, why it happens, how to protect yourself against it, why smart people are more susceptible to it and more.

The best part about this episode is literally the day we recorded it I got an email that hit all 5 Fs on their first outreach. It was priceless. Most frauds are easy to spot to the trained eye and the diligent investor.

This special episode is the start of a series we are doing on financial fraud.

This is a must listen episode...

For more information, visit the show notes at https://moneytreepodcast.com/296

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This week we discuss the best trend you have never heard of... Generation 4 Nuclear Reactors

Think about all the problems you think you know about nuclear energy... Those are all solved with generation 4 nuclear reactors.

We talk with the leading expert in nuclear energy who has the ear of both political parties. Big changes are afoot. Find out how you can participate in the trend.

For more information, visit the show notes at https://moneytreepodcast.com/295

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Looking to create $20,000 a month in passive income? We interview the Wealthy Gardener, John Soforic, about how he turned his humble beginnings into a strong passive cash flow, retired at 49 years old and why he has decided to teach others his secrets.

For more information, visit the show notes at https://moneytreepodcast.com/294

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Does your employer love you?

Find out why financial wellness plan are essential to employee productivity, happiness and reducing stress... Yet most employers don't have them. Want to know why?

This week we discuss financial wellness plans, 401k plans, and George's podcast, Money Savage. This is a great interview with one of the industry's famous podcast hosts.

For more information, visit the show notes at https://moneytreepodcast.com/293

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Are you looking to invest in real estate?

How would you like to invest in real estate without fixing toilets, roofs, dealing with tenants or contractors?

Sound too good to be true? Its not.

Learn how some of the expert real estate investors invest in real estate with less risk and less stress.

For more information, visit the show notes at https://moneytreepodcast.com/292

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Have you heard of the CARES Act?

It's the government's attempt to give you free money... Interested in learning more?

We discuss the ins and outs of the CARES act and how you can benefit from this new government bailout of America. Yes its that "Huge".

We brought on 3 experts this week to discuss what you need to know.

For more information, visit the show notes at https://moneytreepodcast.com/291b

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How would you like to get into the minds of the top 3 investors of all time?

We do that this week on our show...

We interview Scott Chapman about his new book where he analyzes the top 3 investors of our time and why they were successful. We discuss Peter Lynch, John Templeton, and Warren Buffett.

For more information, visit the show notes at https://moneytreepodcast.com/291

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Investing in natural resources is hard... no, its foolish... unless you know what you are doing. If you understand the industry it is a gold mine (pun intended). Industry insider Rick Rule talks about his decades of experience investing in natural resource stocks, warrants, and other related investments. He brings his practical experience to the pie in the sky ideas that most investors are looking for. Gold, Silver, Platinum, Uranium, and more. We discuss the best ways to invest in this sector without losing your shirt. For more information, visit the show notes at https://moneytreepodcast.com/290

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How are you acting during this health and economic crisis?

Are you being reactive, proactive, or are you leading others to help your community?

Are you financially resilient?

Statistically, 10% or less people are leading and 80% are being reactive. Learn why and what you can do in times of crisis to thrive and come out of the crisis more resilient.

For more information, visit the show notes at https://moneytreepodcast.com/289b

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Are you worried about the next market downturn?

Want to know how to protect yourself?

Want to know why you have never heard about this type of investing from your broker?

We interview an up and coming quant and tactical asset allocation manager and discuss how tactical investing can protect your assets during adverse market conditions. Don't miss this episode with PJ DuWors of Q32 Capital Management.

For more information, visit the show notes at https://moneytreepodcast.com/289

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Learn why that can cost you money and how some of the top investors look at historical stock market returns.

We dig into past performance and discuss how you can use that to benefit your portfolio.

We interview seasoned stock market veteran, Barbara Friedberg about how you should look at historical stock market returns.

For more information, visit the show notes at https://moneytreepodcast.com/288

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Markets around the world are overpriced. Value stocks have under-performed for over 10 years. If you are a value investor, where do you invest?

This is one of my favorite interviews. This week we interview Investing Legend, Steven Bregman. He explains how he looks at the markets from a value lens, why value investing is important to overall market health, the danger of low interest rates, why you should worry about the indexation of markets, and the bond ETF bubble. We cover a lot in this episode, but if you are serious about investing, this episode is pure gold.

For more information, visit the show notes at https://moneytreepodcast.com/287

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Back by popular demand, Kirk Chisholm, Megan Gorman and Barbara Friedberg discuss a market update for today March 12, 2020.

Today we are discussing the coronavirus, the big oil price drop and the supply chain disruption... and most importantly, what to do with your portfolio now.

Listen to three experts tell you how to manage your investments during this market turmoil... And we do it without scaring you.

For more information, visit the show notes at https://moneytreepodcast.com/market-update-3-12-20-our-panelists-opinions-on-coronavirus-supply-chain-disruptions-and-oil-price-drop

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Welcome to our first Market Monday where we discuss what happened last week, what to expect next week and to help put the market into perspective.

Last week was a crazy one... just like the week before. Will this continue?

We talk about how to look at the market with an unbiased lens, how to not lost your mind while others are losing theirs, the bond market, the Lebanon bond default, the spike in the VIX and what it means, the coronavirus (COVID-19), economic conditions, black swan events, fed manipulation and more...

For more information, visit the show notes at https://moneytreepodcast.com/market-monday-coronavirus-how-to-protect-yourself-in-this-market-lebanon-debt-default-fed-manipulation-march-8-2020

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Are you looking to invest in real estate that is too expensive?

Are you looking to invest in real estate but don't feel you have the expertise or time to do it yourself?

Have you considered apartment syndications?

We discuss the pros and cons to this assets class and investment style on our show this week with Aaron Fragnito.

For more information, visit the show notes at https://moneytreepodcast.com/286

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Are you worried about risk in your portfolio?

If you are not worried about risk you should be. If you are worried about risk, this show will discuss how to think about risk management with your investments.

This week we discuss how to create a risk management process with 3 essential elements that many financial institutions miss. Kelly Coughlin refers to this as making sure your investments have TLC. Great tips from a former insider.

For more information, visit the show notes at https://moneytreepodcast.com/285

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Are you considering the Deferred Sales Trust to defer capital gains taxes on the sale of your business, real estate or low costs basis stock?

This episode is the Ultimate Insiders Guide to the Deferred Sales Trust. We discuss how it works, what you need to know, and is this something you should use. We interview a trustee and promoter of the deferred sales trust, Brett Swarts.

For more information, visit the show notes at https://moneytreepodcast.com/284

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Are you looking to start a business?

Struggling to figure out what types of business entities to create?

Trying to optimize the structure to minimize taxes and potential liability?

S-Corps, C-Corps, LLC, B-Corp, and more. We discuss why it is important for your company or your investment.

For more information, visit the show notes at https://moneytreepodcast.com/283

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Top Listener Questions from our favorite listeners.

Where should I invest my emergency fund?
Do I need a formal Budget?
How do I evaluate REITs?
What is the best asset allocation for me?

Listen to these questions and more...

For more information, visit the show notes at https://moneytreepodcast.com/282

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Want to know how most financial advisors communicate with their clients?

A recent survey from Sean Brown at Ycharts discusses the current state of communications with clients and their financial advisors.

For more information, visit the show notes at https://moneytreepodcast.com/281

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Are you looking at economic opportunity zone investments for your capital gains?

This episode is for you.

Want to know how the rich take advantage of the tax code to grow their wealth?

This episode is for you.

Not familiar with what I'm talking about?

Put on your earphones and listen to this interview with industry insider, Brandon Lacoff, who tells us exactly what to look for when considering an economic opportunity zone fund. If you are looking to defer your capital gains with this new secret part of the tax code. Join us for another episode in our Tax Loopholes of the Rich series.

For more information, visit the show notes at https://moneytreepodcast.com/280

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Have you ever wondered how people buy real estate with no money down?

Me too.

That's why we interviewed expert Chris Prefontaine about buying real estate on terms. He talks about the three best ways to buy real estate without putting cash down and reducing your risk on your investments in real estate.

https://moneytreepodcast.com/279

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Do you work in a profession that is at high risk for lawsuits?

Do you worry about creditors taking advantage of your wealth?

Do you want to take a trip to a beautiful destination and write it off as a tax deduction?

This is an exciting episode where we explore the idea of using international asset protection strategies and offshore banking. Learn some of the top reasons people consider these strategies for protecting their wealth.

For more information, visit the show notes at https://moneytreepodcast.com/278

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Happy New Year!!! Welcome to the new decade of 2020.

We are starting off the new year on the right foot by discussing the best way to create your financial new year's resolutions. Listen to our panel of experts with decades of experience helping people succeed. We have a great list of books that are great tools to help you do this right.

For more information, visit the show notes at https://moneytreepodcast.com/277

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Did you end up spending way more during the holidays than you expected?
Did you max out your credit cards?
Did you know that debt is probably causing you much more stress that you realize?

This week we discuss paying off debt with 2 experts who were able to quickly pay down a large amount of debt and go back to enjoying life without stress.

For more information, visit the show notes at https://moneytreepodcast.com/276

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Are you worried about how global trade wars are going to affect your portfolio? What about changes in tax policy?

This is the episode for you. Chris Macke discusses these issues and some innovative solutions like Incentive-Based Corporate Tax Policy to make real change. We also discuss how you should look at these big issues in regards to your investments.

For more information, visit the show notes at https://moneytreepodcast.com/incentive-based-corporate-tax-policy-chris-macke-solutionomics

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Do you make high 6 or even 7 figure income and are frustrated with the limitations of your 401k plan? This week we discuss the defined benefit plan, a secret retirement saving strategy that is used by wealthy families to put away up to 6 figures annually in their retirement plan.

Want to know why your financial advisor never told you about it? We discuss that too.

For more information, visit the show notes at https://moneytreepodcast.com/274

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Millennial's have it rough. They came into the professional world during the great recession. They are widely misunderstood by corporate America, and they are the biggest generation since the baby boomers. They want to make an impact.

If you are a millennial, listen to Kara's view of how millennial investing can be done differently to make a difference and still be successful.

For more information, visit the show notes at https://moneytreepodcast.com/273

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Having a tough time throwing away all your extra junk... sorry - treasures?

You are not alone. Everyone else has this problem too. This is one of the reasons that the trend in self storage investing has been experiencing a great run over the past 25 years, outperforming many other real estate sectors. Are you investing in self storage units?

Kris Benson discusses what you are missing out with self storage investing and why you have not heard of these interesting trends in this space. Join us this week to learn why you should consider this sector.

For more information, visit the show notes at https://moneytreepodcast.com/272

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Are you looking for high dividend yield stocks? You are probably missing out on some of the best shareholder friendly stocks.

Today we dive into the concept of Shareholder yield. Its like looking for dividend stocks on steroids.

According to Meb's research companies with high shareholder yield outperform the S&P500 and their dividend yielding stock counterparts.

Learn more about how shareholder yield can impact your investing strategy.

For more information, visit the show notes at https://moneytreepodcast.com/271

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What are your biggest concerns about retirement?

Are you concerned about retiring well? Are you worried about having enough money at retirement?Are you stressed about retiring period?

You are not alone. Most Americans who are close to retiring are concerned about what the next step is.

It makes sense right? How many people have retired before... So how would you know what to do.

This week we interview retirement coach Jack Phelps about how to retire well.

For more information, visit the show notes at https://moneytreepodcast.com/270

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We love talking to Wall Street Insiders.

This week we have an insider from the Federal Reserve Bank of Dallas. We dig into why the Federal Reserve monetary policy is bad for America, but more importantly we discuss what the actual problem is...

And its not what you think. We cover many of the problem the US Federal Reserve faces today as well as down the road.

For more information, visit the show notes at https://moneytreepodcast.com/269

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Space... The final frontier. A universe of endless possibilities. There is a emerging trend of investing in the space economy.

This week we discuss whether this is an early chance to shoot the moon on some space investments or whether these investments will fizzle out.

We interview Andrew Chanin about how investors can participate in this sector.

For more information, visit the show notes at https://moneytreepodcast.com/268

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Are you wondering how the Federal Reserve interest rates impact your life? Probably not... But you should. Interest rates impact everything that you do related to money.

This week we are discussing how the Federal Reserve's actions effect interest rates, inflation and deflation. We discuss why they manipulate interest rates, how this can effect your money, and what the Federal Reserve fears most (hint, its not ghosts).

For more information, visit the show notes at https://moneytreepodcast.com/267

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What is more awkward that talking to your parents about money?

If you are like me, not much.

Its a close call between talking to them about money or about the birds and the bees.

This week we discuss how to talk to your parents about money with Cameron Huddleston. She talks about why this is such an important topic and how you can make the conversation a lot less weird.

For more information, visit the show notes at https://moneytreepodcast.com/266

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Can you make a living by blogging? Logan Allec blogged his way to financial independence in 1 year.

Listen to his story and other ways blogging can create another stream of income or be that side-hustle to help you make more and invest more.

For more information, visit the show notes at https://moneytreepodcast.com/265

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Want to invest to make the world a better place? Want to invest in companies that are changing the world? Interested in ESG Investing?

You have come to the right place. This week we discuss socially responsible investing, ESG Investing, Impact Investing, and the pros and cons of trying to change the world with your investing dollars. We also discuss what people get right and what they get wrong about socially responsible investing.

For more information, visit the show notes at https://moneytreepodcast.com/264

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Live from Bankok and Live from Washington DC... We discuss our worst investments ever.

Want to learn from the mistakes of others? Good. It is a lot smarter than making them yourselves.

This week we discuss some Titanic investing failures and the top 6 mistakes to avoid at all costs.

For more information, visit the show notes at https://moneytreepodcast.com/263

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Are you wondering if you should invest in Cannabis? No, not for personal reflection or chilling out.

This week we discuss the enormous potential for the new trend of investing in pot stocks. We interview Kip Meadows about his views on the cannabis industry and we have some interesting guests who have experimented with some very creative ways to invest in pot stocks.

You are going to be s"toked" that you listened to our guests and panelists discuss how you can take part in this industry.

For more information, visit the show notes at http://moneytreepodcast.com/262

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Want to know how much you are going to need in order to retire? You may be surprised at the answer... and its not what you think.

This week we discuss retirement distribution strategies in our interview with Brandon Renfro. Brandon is capital in the national guard with a PhD in finance as well as a professor of finance. We discuss the different methods you should consider if you are close to retirement or want to plan your retirement before it happens to you.

For more information, visit the show notes at https://moneytreepodcast.com/261

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Scott is a strategic innovator who knows the ins and outs of what feels like an overwhelming world of healthcare and insurance.

Today, he shares his knowledge to help educate and empower us about how health care costs are going to impact our retirement.

For more information, visit the show notes at https://moneytreepodcast.com/260

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What you don't know about your employee benefits could be costing you $100,000 or more.

We discuss the important of employee benefits with Natalie Pine.

She tells us how some obscure parts of the tax code can save you a lot of money in taxes and why if you don't talk to your employer about a "total compensation statement", you could be leaving a lot of money on the table.

Do you have a total compensation statement for your job?

For more information, visit the show notes at https://moneytreepodcast.com/importance-of-employee-benefits-and-why-you-need-to-look-beyond-your-salary

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We have a special question and answer show this week with Shane Dillon as our guest to discuss financial independence.

Shane wrote a finance book while biking across Europe and lives a lifestyle most people dream of in an unconventional way.

For more information, visit the show notes at https://moneytreepodcast.com/258

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Do you have massive student loans?

Do your loans make you anxious?

We interview Travis Hornsby at Student Loan Planner about some of his alternative strategies and even some research that surprised him on how to quickly pay down student loan debt. Travis had extremely complex repayment decisions for him and his wife who is a physician. If you are burdened by student loans, you will not want to miss this episode.

For more information, visit the show notes at https://moneytreepodcast.com/257

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Multi-millionaire and stock options expert, Jeff Bishop, talks about how he makes over 100% gains by investing in options to boost his growth.

Not familiar with options? You are not alone. Options are not for everyone, but he explains his philosophy and why he mixes his aggressive options strategies with conservative strategies to manage risk.

Learn from an experienced professional how he grows his wealth.

For more information, visit the show notes at https://moneytreepodcast.com/256

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Learn more about the 6 Pillars of building wealth from Michael Zhuang:

Wealth preservation, tax mitigation, asset protection, and more.

For more information, visit the show notes at https://moneytreepodcast.com/255

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Are you looking to invest in real estate?

Sounds simple right? There are countless real estate courses out there telling you how to start investing in real estate. Then why are there not more real estate investors?

In this episode, we interview Steven Pesavento about the real estate investor mindset. Steven flipped 150 houses in his first two years as a real estate investor, when most real estate investors struggle with one. It takes more than just money to be a successful real estate investor.

We discuss the importance of having a solid investor mindset.

Do you have limiting beliefs?
Have you burned your boats?
Who is your mentor?
The importance of having the right team
Why you are not succeeding yet, and more…

For more information, visit the show notes at https://moneytreepodcast.com/254

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How do you deal with losing someone you love? Jennifer Luzzatto joins us to talk about dealing with personal and financial loss.

For more information, visit the show notes at https://moneytreepodcast.com/253

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This former school teacher went from a -$250,000 negative net worth to a net worth of over 50 million dollars by day trading stocks.

This week we interview Jason Bond about how he turned his financial life around by trading stocks and teaching others his secrets. Jason talks about his mentors, his favorite investing styles, what he thinks about penny stocks and more.

For more information, visit the show notes at https://moneytreepodcast.com/252

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Back by popular demand, we are answering your questions.

Bill wants to know how to begin investing in crypto-currencies.

Will is wondering if a stock market crash is coming?

Anna is practically broke. How does she begin investing?

...and more.

For more information, visit the show notes at http://moneytreepodcast.com/251

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Doug Casey is a world-class thinker, speculator, traveler, and in my opinion the most interesting guy in the world. Think about it. Who do you know who has had dinner with third-world dictators, has tried to take a country public… and almost succeeded, written multiple best-selling books, made and lost millions in his speculations, and he is still looking to try new things.

This week we learn about Doug Casey. We discuss some of the secrets to his success, some of the most interesting places to invest at a time when everything is overpriced, how to become an international man, and why dictators are more interesting than anybody you know.

For more information, visit the show notes at https://moneytreepodcast.com//250

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Veteran portfolio manager Barbara Friedberg is also an author, fintech consultant, and former university finance instructor.

She joins us today to talk about roboadvising.

Then, Tim Picciott and Andy Wang join Kirk and Miranda on the panel to dig deeper into roboinvesting.

For more information, visit the show notes at http://moneytreepodcast.com/249

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Have you considered investing in real estate for extra income, as a career, or a hobby?

Think again…

This week we have Dominic Kirchner on our show to talk about flipping real estate for profit. Dominic has been successfully investing in real estate, flipping and rehabbing real estate for profit for over 17 years.

This past year he did 50 fix and flips and he continues to grow each year.

Dominic talks about how to find great deals... The importance of having a good team… Why you need to stay in your lane… the importance of having a good exit strategy... and most importantly he talks about the current conditions of the real estate market and where he thinks it will go from here.

If you are a real estate investor, you don’t want to miss this week's show.

http://moneytreepodcast.com/248

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Author, Wealth Expert, and speaker Belinda Rosenblum joins us to talk about women and money.

For more details and information, visit the show notes at https://moneytreepodcast.com/247

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Victor Sperandeo is to Wall Street what Warren Buffett is to Main St. Unless you are a student of the market you may have never heard of him, but you are in for a treat today.

Some of the topics we cover in today’s episode:

How have HFT and technology effected your trading?
Risk Management
Indexes
How do you manage risk with your trades?

For more information, visit the show notes at https://moneytreepodcast.com/246

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You should love your debt.

That's the message from Leslie H. Tayne, Esq., a debt resolution attorney.

She explains some of the technical issues that exists with debt, but also dives deep into the mindset of how debt can impact more than just your finances.

You will also learn about the signs for when you might consider contacting a debt resolution company or service in today's episode.

For more information, visit the show notes at https://moneytreepodcast.com/245

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In this bonus episode, our panel discusses the previous episode's interview about annuities with Stan The Annuity Man Haithcock.

To listen to the Stan Haitcock interview, go to https://moneytreepodcast.com/243

Kristin Shea from Highland Capital Brokerage joins Kirk Chisholm, Miranda Marquit, and Tim Picciott for this in-depth debate.

For more information about today's episode, visit the show notes at https://moneytreepodcast.com/stan-the-annuity-man-hates-annuities-find-out-why

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You have likely heard, "Annuities are not bought, they’re sold".

Stan “the annuity man” Haithcock knows all about annuities, and knows why there is so much negativity around this financial product.

Variable, fixed, immediate, indexed: It can all be confusing to a person who doesn’t know what annuities are.

“If you are looking for market returns, you should never ever ever buy any type of annuity. If you are looking for income or principle preservation, or maybe some long term care issues, then an annuity may fit.”

Stan asks everyone to answer these two questions:

What do you want the money to contractually do?
When do you want those contractual guarantees to start?

From this point, you can determine if you actually need an annuity - and what type.

For more information, visit the show notes at https://moneytreepodcast.com/243

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Lane Kawaoka recently quit his job because he’s built an income from real estate investments.

He shares the journey to owning more than 2,100 units across the United States while living in Hawaii.

Lane’s mission is to help hard-working professionals out of the rat race by reverse-engineering the wealth building strategies of the rich. You can hear some of those strategies on his podcast, Smart Passive Cash Flow.

Then our panel discusses the various ways to invest in real estate, including “live-in flipping”, crowdfunding, tax liens, lease options, and self-directed IRAs.

For more information, visit the show notes at https://moneytreepodcast.com/242

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How do you bring up the concept of money with your kids?

John Lanza joins us to talk about age-appropriate conversations about money, allowance, and how important it is to have your kids learn how to save up for a goal at an early age.

Then the panel discusses kids and investing.

For more information, visit the show notes at https://moneytreepodcast.com/241

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Are you getting all the tax benefits possible? How about getting benefits after the taxable event?

Matt Chancey joins us to talk about Economic Opportunity Zones. What is the time value of money? Can you benefit from a stepped-up basis after holding an asset for 10 years?

Listen to the show for more.

For the show notes at https://moneytreepodcast.com/240

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Brynne has one child with special needs. How does this change the way she does her financial planning and investing?

In general, her plan is to “save everything”. But even doing that, Brynne says she does not “max out my retirement accounts to a point where I feel that an ABLE account or a Special Needs Trust is necessary or necessarily financially viable.”

ABLE stands for “Achieving a Better Life Experience Act”, which are tax-advantaged savings accounts for individuals with disabilities and their families

Listen in as Brynne explains how ABLE accounts work, how someone would benefit from having an ABLE account, and how she’s working to live a beautiful life within the choices and parameters available to her.

For more information, visit the show notes at http://moneytreepodcast.com/239

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Marco began investing in real estate at the age of 18 with a single townhouse that he bought, renovated, leased, and managed himself. He continued building his real estate portfolio over the years up to 84 units with additional single-family homes, duplexes, and small apartments.

Marco is an expert in the ins and outs of real estate investing and has been helping investors create wealth and passive income for the past 15 years through Norada Real Estate.

For more information, visit the show notes at http://moneytreepodcast.com/238

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What is the difference between a traditional IRA and a self-directed IRA?

Kirk Chisholm of Innovative Wealth, and a regular panelist here on the Money Tree Investing Podcast, says “There’s no technical difference. It’s more of a marketing language that people use”.

“The self-directed IRA came about years ago as a way to distinguish between an IRA that’s investing outside of the stock market versus an IRA that’s investing in more traditional investments.”

Kirk should know. Self-directed IRAs is his specialty.

Listen as Joseph Hogue learns more about these interesting and unique investment options and then joins our panel to discuss the “red lights” of what to look out for.

For more information, visit the show notes at http://moneytreepodcast.com/237

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FinTech is making an impact in the world if investing.

Dr. Sean Stein Smith joins us to share what he says are the three major trends in accounting and finance:

Blockchain and cryptocurrencies
RPA: Robotic Process Automation
Entrepreneurial Angle

Then our panel gets together to discuss how these trends may effect their work in professional services.

For more information, visit the show notes at http://moneytreepodcast.com/236

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Traditional thinking, as described by the industry and promoted by media, is to save in retirement accounts and live off of Social Security in your golden years.

Jack Bosch describes this as “The Pile of Money Theory”: Work until you are age 65, put 10 percent of your income to the side, and by retirement you will have saved up enough to live without running out of cash.

Jack proposes the “Cash Flow for Life” approach: Money that comes in from the investments you have built such as:

• Dividend stocks
• Royalty payments
• Business investments
• Real estate

Listen as Jack shares his story out of debt, the strategies they used to generate income, and ultimately purchase assets that provide him Cash Flow for Life.

For more information, visit the show notes at http://moneytreepodcast.com/235

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Wouldn’t it be great if you could trade for a living? Roger Dowd traded for a living and shares his experiences, and warnings, for people who want to follow this path.

Technology has helped redefine the definition of a trader. Roger Dowd says, “Most people who view themselves as traders, if they are doing it right they are actually investors.”

He discusses how AI is coming into the space and what we could see in the coming future for investors.

Then Miranda joins Kirk in our panel discussion.

Kirk describes how Investing for a living is a lot like job:

You wake up, assess the markets, put together your buy and sell orders for the day, set limits, etc.

For more information, visit the show notes at http://moneytreepodcast.com/234

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Kelly Coughlin from EverydayCPA.com helps us understand investing from an owner/operator aspect, plus shares the 3 Stages when starting a successful business.

For more information, visit the show notes at http://moneytreepodcast.com/how-to-invest-in-a-business-with-kelly-coughlin

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When property taxes aren’t paid, tax liens can be levied against the property. The liens are then sold to investors.

If the liens are not paid within a certain amount of time, the investor can push to have foreclosure initiated, thus collecting at least the interest and principal of the original investment.

Our guest, Melanie Finnegan of Tax Lien Wealth Solutions, explains there is a difference between a tax lien and a tax deed, and that there are two types of markets: Primary and secondary markets.

To learn more, listen to the interview and stick around for the panel discussion where we learn how tax liens fit into an investment portfolio.

For more information, visit the show notes at http://moneytreepodcast.com/232

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The mailbag is full again, so we spent time answering your questions!

Justin asks: Is GM justified with cutting it’s workforce when spending more than $10M buying back shares?

Tyler read that buying small cap funds in a taxable brokerage account isn’t wise because of capital gains. He has been buying small cap ETFs in a regular brokerage account when earning overtime. Should he be concerned?

CJ has heard that HSAs are the holy grail of retirement investing. They already have great insurance through his wife’s government job. Does it make sense to open a high-deductible plan just for the benefit of being able to max out an HSA for retirement purposes?

Antonio understands the benefits of holding investments for the long term but wants to know how to determine the right time to sell.

For more information, visit the show notes at http://moneytreepodcast.com/231

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Joseph Hogue and Kirk Chisholm join us again this week as we discuss P2P Lending.

P2P lending, more specifically defined as Peer-to-Peer lending, replaces the position of a traditional bank when it comes to taking out a loan.

P2P sites like Lending Tree and Kiva also matches borrowers to individuals who want to lend out money and earn interest.

Is P2P Lending right for you? What alternatives are there for individuals who want to put their money to work but mitigate some of the risk?

Find out in today's episode.

For more information, visit the show notes at http://moneytreepodcast.com/230

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Would you invest in someone else’s home?

Using blockchain technology, you could own a portion of someone’s home. Or as a home owner, you could sell some of your equity to get some much needed cash without having to pay interest.

Matthew Sullivan from QuantmRE explains how this works and what it can do to diversify your portfolio in a new way.

For more information, visit the show notes at http://moneytreepodcast.com/229

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Bitcoin, Etherium, Litecoin, Monero…there are dozens of cryptocurrencies. Barbara Longue says thousands are still to come.

Are cryptocurrencies truly an investable asset? Miranda and Doug get to the bottom of this in today’s episode.

What you’ll learn today:

Why is blockchain technology important
What is cryptocurrency
What’s the difference between Altcoin and Bitcoin

For more information, visit the show notes at http://moneytreepodcast.com/228

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You wrote in, and we answered.

Here are some of the topics covered in today's Listener Questions episode:

Beating the DOW strategy, also known as "The Dogs of the Dow".
Taking money out of retirement savings to pay off debt.
Would it have been better to invest rather than pay off the student loan debt after college?
And a question about how to handle a $70,000 inheritance.

For more information, visit the show notes at http://moneytreepodcast.com/227

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Taylor and his wife are pursuing Financial Independence by saving 40 percent of their income every year.

As they got raises and increased their take-home pay, they kept expenses low so they could increase their savings to 70 percent.

Learn some of the frugal habits they continue to use and about picking individual stocks.

For more information, visit the show notes at http://moneytreepodcast.com/frugal-your-way-to-financial-independence-with-taylor-the-fi-guy

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Deacon and his wife combined finances shortly after marriage – only to find $52,000 in consumer debt was weighing them down. They made the choice – and a plan – to pay down that debt in 18 month.

Moving past debt freedom, Deacon began focusing on complete financial independence.

In his book, “You Can Retire Early!: Everything You Need to Achieve Financial Independence When You Want It” he describes the three ways to financial independence:

Real estate
Stock market
Entrepreneurship

Listen in as Deacon shares each way and how it can help you achieve financial independence.

For more information, visit the show notes at http://moneytreepodcast.com/3-paths-financial-independence-deacon-hayes

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Raw land. Is it the undiscovered country of the investing world?

Mark Podolsky shares his experience buying, selling, and leasing raw land as an investment.

Unlike buying traditional real estate, purchasing raw land doesn’t require a lot of money. Mark outlines a process of looking for lots with unpaid property taxes, purchasing the lots, and then offering them to people who live along the plot line.

The key to a successful raw land purchase is to do the research and due-diligence needed to make sure you have a clear title or other obstructions to a hassle-free transaction.

After Mark’s interview, the panel discusses other thoughts behind investing in raw land - and the pitfalls you need to be aware of.

For more information, visit the show notes at http://moneytreepodcast.com/224

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Shannon Compton Game went through a divorce. Today she shares things she learned that helped get through the process of separating finances in a way that doesn't drain the bank.

For more information, visit the show notes at http://moneytreepodcast.com/223

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Investing in equities can help you build wealth, but creating a business and finding other streams of income can help accelerate building your net worth. Johnny Gabriele knows this all too well.

He thought it would be fun to find a cat-shaped cake mold for his girlfriend. After looking everywhere and finding nothing, he took the opportunity to create his own and started selling them online.

A new small business was born.

Johnny shares the steps to creating a business, and emphasizes that they should be followed in a precise order.

Listen to the steps and our panel discuss how they built their businesses. For more information, visit the show notes at http://moneytreepodcast.com/222

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Why is knowing about intellectual property important for normal investors?

A patent gives you a specific right in a given country. It give the right of exclusivity to sell the item or device, build the device, or import it into the country.

A great name, they offer something exclusive, or a company that works hard and offers an excellent product or service. A patent can be placed on any one of these things to bring something unique to an investor.

Dr. Daniel Goldstein also explains the complications of patents in other countries, how somebody gets a patent, and the difference between trade secret and patent rights.

For more information, visit the show notes at http://moneytreepodcast.com/221

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CFP Rick Rodgers described the three legs of a tax-efficient retirement strategy:

Pre-tax
After-tax
Tax-free

Then the panel comes on to discuss Social Security, municipal bonds, and year-end tax strategies that can help you can avoid being taxed on capital gains when expecting a loss in the market.

For more information, visit the show notes at http://moneytreepodcast.com/220

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Kip Meadows joins us to talk about how ETFs are constructed.

He explains that an ETF is a type of mutual fund that trades like a stock. While mutual funds aren’t technically traded until the end of the day, ETF transactions can be conducted during intraday trading.

“They’re organized in a structure that allows buying shares in an underlying portfolio. That's why you go through an exchange because you have to to go through a broker dealer in order to purchase an ETF. The broker-dealer will purchase the shares in the underlying ETF and the broker-dealer is who keeps up with how many shares you own. The broker-dealer then handles the accounting to show you how many shares you own - which is different than an open-end fund where the transfer agent for the open end fund directly carries your shares at the fund.

They're created the same way as any sort of registration with the Securities and Exchange Commission - you have to file the registration to become effective, and once it’s effective then you can purchase those shares through the broker-dealer.”

Then our panel gets into a discussion about alternative medicinal ETFs and who’s getting into marijuana stocks.

For more information, visit the show notes at http://moneytreepodcast.com/219

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Insider Trading may not be what you think it is. But it is clear that there are rules to follow when certain knowledge is obtained when it comes to buying or selling stocks.

When you see people get shares inside their own company and they immediately sell. This is not illegal, and could be used as an indicator in your decision to buy or sell.

We also talk about stock buybacks, following the Consumer Confidence index, and how you can read various indicators.

For more information, visit the show notes at http://moneytreepodcast.com/218

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What’s going on in the market? Can you predict the next market downturn from how well the economy is chugging along and the confidence of consumers? For almost a decade, people have been predicting the next bear market. With the recent volatility in the DOW and S&P 500 index, you would think their prediction is coming true. But is it? Doug Goldstein, Linda P. Jones and Miranda Marquit discuss indicators we can examine to determine how the market is doing today and what that means for the future. It should be noted that nobody can predict the future, and past performance is no indication of future returns. This podcast is for informational purposes only. Before making any decision or taking any action, you should consult a competent professional. For more information, visit the show notes at http://moneytreepodcast.com/217

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Kevin Quigg describes the differences between ETFs, mutual funds, and the type of person who would benefit from hedge funds.

Exchange Traded Funds (ETF) is traded during the day, just as a single stock would be.

Mutual funds are typically bought directly through the mutual fund manager. The price is determined by the net asset value of the securities held within the fund at the end of the trading day.

Kevin Quigg describes hedge funds as different from ETFs and mutual funds as “sharp tools rather than dull instruments”. He goes on to explain that hedge funds are only available to qualified investors…those who have met certain requirements and proven themselves to be able to truly understand the amount of risk they are taking.

There are also numerous restrictions with hedge funds. Listen to Miranda’s interview with Kevin Quigg and then the discussion our roundtable has immediately following.

For more information, visit the show notes at http://moneytreepodcast.com/216

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What happens when you win BIG in the lottery? This is the topic Miranda has been pondering when the Mega Millions jackpot reached $1.5 billion.

Linda talks about how mortgage rates over 5 percent can impact the market and what it means to you while Doug shares a story of siblings inheriting property from their parents. What could go wrong?

For more information, visit the show notes at http://moneytreepodcast.com/215

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Can you take advantage of any loopholes in ROTH IRA contributions to withdraw earnings tax and penalty free? That’s our first question from Jason who wants to pull from his investment in an early retirement scenario.

We also hear from Sweetcase on Facebook who asks, “How do you decide which investing product to use?”

Katrine asks if it makes sense to trade binary options. Can she make it work for her?

Got a question? Send it to us here: http://moneytreepodcast.com/contact

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ADD, Apps, and Asset Allocation: It's all covered in today's episode.

Listeners Alicia, Sally, Katie, Jillian and Shanna sent in questions for this episode.

If you'd like to have your question addressed, contact us here: http://moneytreepodcast.com/contact

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Chris Hogan speaks to people all over the nation about how to make better moves with their money. As one of Ramsey Solution’s speakers, he has the opportunity to address thousands of people who are looking for knowledge, solutions, and answers to their money problems.

It's not about numbers, it's about stories

One of the ways he gets his message across is by telling stories. Stories, as Joe Saul-Sehy says, is what’s missing in today’s financial media. Chris Hogan agrees that personal testimonies can open the door to learning about money and making changes for our own good.

“A lot of us come to deal with money based on our own preconceived notions, our own failures, and our own knowledge. Much of this was based on how you were raised - how was money talked about and how do you view it. It doesn’t matter where I came from or what I knew…it became a matter of what I’m learning and what am I doing as I move forward.”

Lightbulb moment

Chris says his lightbulb moment was after he went “looking” at an SUV and came home with a $600 vehicle payment. He ran the numbers on how much the money could have become if he’d invested it rather than driving it and it became his wake-up moment.

Becoming an Everyday Millionaire

Chris Hogan and Ramsey Solutions are working with a research firm to study the habits and behaviors of over 10,000 millionaires. What they are finding is that people of all walks of life can become millionaires, and the book offers stories from some of the people in the study.

For more information, visit the show notes at http://moneytreepodcast.com/212

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Anand Talwar from Ally Bank explains how banks make their money.

The primary way is through loans. Consumer loans, such as Ally’s leading auto finance business, need to charge more in interest rates than they are paying out in savings account interest. This ensures the entity earns more than it spends on overhead and other expenses.

Anand points out that brick-and-mortar banks have different expenses than online banks, as they need to cover facilities costs and on-site employees. This makes it easier for online banks to offer more competitive rates for their customers.

Mobile banking has become much easier and convenient for the average customer. Smartphone apps allow you to deposit checks, transfer money, and even . If you are looking for cash, the apps can help locate an ATM within your network in close proximity to you.

Banking apps, such as Ally’s, can also allow you to trade stocks and ETFs, and customer service representatives are available 24 hours a day to help you open an IRA.

The convenient services allow banks to provide you more services and products with less friction, making it much easier to do business with a bank.

Ally estimates there are more than $3 trillion dollars of consumer’s deposits are sitting at banks making almost nothing. That translates to $50 billion dollars of interest consumers are missing out on, but can be improved just by switching your bank.

Ally will be facilitating “National Online Banking Day”, so be sure to visit Ally.com to see what they are offering.

For more information, go to http://moneytreepodcast.com/211

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Would you move to an overseas city if it only cost $40k a year to live? CNBC wrote an article about five overseas cities where you could have a comfortable retirement for $37,000 a year.

Miranda, Joe and Linda talk about the things one would have to leave behind but also the benefits of moving to a different location that don’t only have to do with money.

Pros and cons to moving overseas:

The internet makes it easy to connect with anyone almost anywhere in the world
In some locations the internet isn’t always accessible or reliable
Many overseas locations have better weather conditions
Some countries have areas with greater concerns for security
The cost of living can be much cheaper
You need to be concerned with the availability and cost of healthcare

We also go over the things you need to consider having in place before moving.

For more information, visit the show notes at http://moneytreepodcast.com/210

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Recently JP Morgan announced the release of their new investing app, which leave many saying “Welcome to the club”.

Fintech is changing the way we do money - and it’s here to stay.

Budgeting, spending, investing, and even trading are all influenced by fintech.

Fintech products are helping people become influence marketers, and our guest Joe Saul-Sehy says apps help create community.

One more thing that is coming out of the fintech movement is the ability to get people interested in money. Joe loves using how fintech is bringing various financial knowledge to the average person, and some even gamify the learning process.

Listen to Linda P. Jones and Joe Saul-Sehy talk about using fintech to make better money decisions.

For more information, visit the show notes at http://moneytreepodcast.com/209

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75% of people who receive inheritances go through all the money within 5 years. Aretha Franklin passed away intestate (without having made a will).

Doug Goldstein knows a thing or two about inheritances and released a book with helpful advice about how to handle a windfall - and how to properly leave an inheritance to your loved ones.

For more information, visit the show notes at http://moneytreepodcast.com/208

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Dr. Daniel Crosby shares the fundamental methods for investing success based on his studies of human behavior and finance.

The 4 C’s to behavioral investing:

Consistency
Clarity
Courageousness
Conviction

and some of The Ten Commandments of Investment Behavior.

For more information, visit the show notes at http://moneytreepodcast.com/207

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If you believe we are due for a correction in the market, would you plan to borrow money on your house to invest during the downturn?

That’s what one listener, Sigmund from Norway, plans to do. He’s debt free and has a paid-for cabin, which he plans to mortgage during the next recession. What does the panel think?

Charles’s daughter has $1,000 worth of EE Savings Bonds that were given to her over the years by her step-grandmother. They already have enough saved for her to go to college, so what should he do about the savings bonds?

We dive deep into these topics with our varying experiences and opinions. Listen closely.

For more information, visit the show notes at http://moneytreepodcast.com/206

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Linda P. Jones feels the financial industry hasn't done a good job getting women interested in investing like it has for men. But what's the real harm?

Linda shares reasons why it's important for women to become a "Wealth Heiress" so they don't outlive their savings and she gives clear direction with helpful tips in her new book "You're Already a Wealth Heiress! Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now".

For more information, visit the show notes at http://moneytreepodcast.com/205

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Do you take into account the social mission or the social impact of the investments you buy?

Eddie Lorin from ImpactHousing.com shares ways to invest well while doing good. Eddie helps people invest in ways that help people through the investments they purchase, such as REITs that invest in multi-family properties.

For more information, visit the show notes at http://moneytreepodcast.com/204

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Real estate investors Jake and Gino bought their first rental property, then learned it was a “crack den”.

But they didn’t quit, and they own more than 900 multifamily units.
They speak with Linda P. Jones about what it's like to own multifamily units - and what to look out for.

"You make money on the buy", says Gino.

Our panel agrees, and discusses more on the topic of multi-unit rental real estate:

Is rental real estate the place to go if you don't have confidence in the stock market?
Will financing become more difficult for real estate investors in a rising interest rate environment?
What is the real estate market like in Israel compared to the United States?

Listen to find out more about multifamily rental real estate.

For more information, visit the show notes at http://moneytreepodcast.com/203

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Mark Byelich and Paul Murray say the best and most advantageous bucket is the tax-free bucket.

A tax-free bucket includes things like Roth IRAs, Roth 401(k)s and the cash value of life insurance policies.

Mark and Paul, from share their thoughts with Joe Saul-Sehy, which led to an interesting discussion with the panel about:

Can you live a lifestyle and pay no tax?
Is permanent life insurance a good tax savings vehicle?
What tax strategy is most commonly overlooked or underutilized?

For more information, visit the show notes at http://moneytreepodcast.com/202

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We are starting the next 200 episodes with another Listener Questions episode:

Michael is 35 years old, has no debt, and $30,000 in his checking account. He contributes 3 percent of his earnings to his company’s 401(k) to gets the match. Michael wants to get more aggressive with his investments. Should he contribute more or just change out of a target date fund?

John wants to understand the difference between an exchange traded note and an exchange traded fund. Also, inverse index ETFs like DXD or XQQQ, which are leveraged shorting of the NASDAQ and DOW respectively, is it not true that over time the value must degrade towards zero as markets invariably rise over long periods of time and the ETF price is designed to increase only when the index falls? Why invest in inverse ETFs?

Semone feels like she can stand the volatility of the market, but wonders if it is time to increase her position with bonds in her portfolio.

Jerry and his wife received a small windfall. His wife wants to pay off the car and mortgage, but Jerry thinks it’s time to invest because they have nothing saved other than a little money in a 401(k).

Devin Carroll from Social Security Intelligence and the Big Picture Retirement podcast joins us to answer these questions.

For more information, visit the show notes at http://moneytreepodcast.com/201

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Celebrating our 200th episode with stories of our biggest successes and financial mistakes.

For more information, visit the show notes at http://moneytreepodcast.com/200

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It’s not the technical stuff that keeps people from failing in retirement, life events keep people from making it through their golden years.

Greg Sullivan says personal, emotional and relational things that happen in life that can throw your retirement. He says making portfolios based on 8 years of cash needs, and some incremental changes along the way to retirement, helps weather the storm of any market cycle.

He also talks with Joe about Long Term Care Insurance and a chapter called “The Nest that Won’t Empty”.

For more information, visit the show notes at http://moneytreepodcast.com/199

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The secret to success doesn’t come from a pill. Julia Carlson shares tips she sees her rich clients use to create wealth. Surprisingly, most of her tips don’t involve being the best at investing: • Couples do finances together • Investing while living on less then you make • Making purchases based on experiences and not stuff She also shares information about her clients paying off the mortgage and what it does for the overall health of their finances. For more information, visit the show notes at http://moneytreepodcast.com/198

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Tracy Worthington didn't want to go to college, so she got a cosmetology license.

She began by selling candles and soaps to friends but ended up creating an entire line of 100 items.

Today she runs a very successful business in Palm Springs called Just Blow Drys.

This prompted Linda to inquire, "Will entrepreneurship be the key for the next generation to create their wealth?"

The panel also gets into this look into the future where malls become a huge collection of restaurants and delivery services bring us more than just pizza on Friday night.

For more information, visit the show notes at http://moneytreepodcast.com/197

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Whether using an investment manager or robo-advisor, setting a goal is one of the most important steps in financial planning.

Rick Frisbie from RobustWealth.com speaks to this point and the importance of having an investment strategy that will take you to where you want to be down the road.

Investing doesn’t have to be just for retirement savings. It can be for travel, a new house, anything you can dream up that requires long-term planning.

For more information about this episode, visit the show notes at http://moneytreepodcast.com/196

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When shopping for long term care insurance, what are the pros and cons to take into consideration? This is the first in a line of questions we answer from you - the listener.

Cheryl asks about the pros and cons of long term care insurance.

Dan is familiar with a Child IRA and wants the panel to talk about a Ricky Trust. They take it a bit further by discussing the benefits of investing at a young age.

David asks if there is any sense in timing the markets to take advantage of a probably drop. Or should he pay off his mortgage early rather than invest?

Danielle wants to know what we think about consumer staple funds or ETFs.

Alex wants to know about Roth 401k versus traditional 401ks. Would it make sense to begin investing into the Roth 401k if they have been maxing out their traditional accounts at work?

Listen to the entire episode, and thanks to our sponsor: BUZZ Indexes

For more information, visit the show notes at http://moneytreepodcast.com/195

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Why does the market drop when financial news is good? This is just one listener question we answer in today's Listener Questions episode.

Justin saw the job’s US jobs report described more job and better pay, but S&P fall more than 2 percent that day and 4 percent the following Monday.

Harry wants to know if he should move out of his Target Date Fund into a lower cost index fund. He also wants to know if he should have a Roth IRA, invest more into his ETFs, do more investing into his ETFs with the extra cash he has each month.

Max is ready to retire. He wants to sell his rental property and travel. Max has a pension that will cover his monthly expenses. Should he invest the proceeds from his rental property sale into something that pays dividends to fund his travel?

For more information, visit the show notes at http://moneytreepodcast.com/194

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Taylor is on the way to FI (financial independence). He also likes the idea of retiring early, which completes the acronym FIRE. So he and his wife are putting away more than 70 percent of their income.

Before his journey, Taylor liked saving money. Then met a woman who brought more frugal habits into their relationship - and more income.

He also read The Richest Man in Babylon, which furthered his desire to spend wisely and invest a ton of money for the future.

Listen to his story - and to the panel discussion following the interview to hear what they think about investing in individual stocks.

For more information, visit the show notes at http://moneytreepodcast.com/193

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Miranda sits down with Lorraine Ell, CEO and Senior Financial Advisor at Better Money Decisions, about ways to find and identify the right financial advisor for you.

Are there clear signs for when you need to seek the advice of a financial advisor?

You want to find an advisor that does comprehensive planning, not just one who looks at your retirement savings.

Does your financial advisor help you to understand the investing options and financial decisions placed in front of you? Lorainne Ell says an advisor should be one who explains and educates.

Lorraine released a book to show the common investing financial planning pitfalls, and how to avoid them in “Bozos, Monsters, and Whiz-Bangs: Bad Advice From Financial Advisors and How To Avoid It”.

For more information, visit the show notes at http://moneytreepodcast.com/192

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Jake focuses on dividends. Should he invest in a single REIT and reinvest dividends until retirement?

This is just one of the questions we tackle from our listeners on today's Money Tree Investing Podcast.

For more information, visit the show notes at http://moneytreepodcast.com/191

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Student Loans have become the single most concerning financial issue with young people and the millennial generation.

Whether you signed the dotted line with full knowledge of what happens when you take on student loans or you unknowingly signed your life away for a college degree, the debt must be satisfied in some way.

Robert Farrington of TheCollegeInvestor.com led the charge last month with the Student Loan Movement. The goal was to bring awareness to the problem of student debt and challenge people to focus on paying down their debt in the month of March 2018, and the total debt eliminated as of the date of this release is over $1.4 million!

For more information, visit the show notes at http://moneytreepodcast.com/190

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Raoul Davis Jr from AscendantStrategy.net talks with Linda about what an entrepreneur is and how important they are to our future.

The internet has made entrepreneurship much more achievable for the average person: social media makes it easier to connect with people, email allows entrepreneurs to make direct sales to individuals, and LinkedIn helps entrepreneurs find industry professional they need to help grow the business.

You can be branded or you can get labeled. Being branded is more like a fist, it has more force and impact where getting labeled is like having 5 loose fingers.

Does entrepreneurship play an important part in wealth creation in the future? The panel gets together to discuss this and more on today’s show.

For more, visit http://moneytreepodcast.com/189

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Eric Ervin created an ETF of blockchain technologies.

He knows the power behind the technology, and can see larger companies using blockchains in a variety of ways.

Not only can blockchains develop cryptocurrencies, but they can also work to record legal contracts and be a record of documentation.

Then the panel discusses the question, “Can blockchain be a viable asset class”?

For more information, visit the show notes at http://moneytreepodcast.com/188

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Our guest today is Karen Chan, a Personal Financial Educator working with the Federal Reserve Bank of Chicago to promote Money Smart Week. Karen shares financial basics for those just getting started and the "easiest way to build up savings." For more information, visit the show notes at http://moneytreepodcast.com/187

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Eric Brotman from Brotman Financial Group explains the benefits - and the differences - between various tax-advantaged savings accounts.

For more information, visit the show notes at http://moneytreepodcast.com/186

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We form self-limiting beliefs based on negative things we’ve seen, or perceive to be negative, that subconsciously prevent us from being or doing the same thing.

Belinda believes we should stop and ponder these behaviors to see if they are based on factual data and not the remnants of past emotional strains.

She gives an example of Justin, who believed it wasn’t safe to have money in the bank, nor could he trust women with money. When Justin was 7 years old, the money he earned from a paper route was taken from his piggy bank. He told his mom, “We’ve been robbed”. His self-limiting belief was formed that moment when hearing her response, “Oh, I needed the money.”

Do you have money beliefs that are holding you back? Or do have money beliefs that help you excel?

The panel jumps in to discuss this. You don’t want to miss it.

For more information, visit the show notes at http://moneytreepodcast.com/185

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We love getting your questions.

Today we tackle questions from Kai, Matt, Gary, Justin, Nora and Don.

For more information, visit the show notes at http://moneytreepodcast.com/184

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While many real estate investors seek capital appreciation, cash flow investors like Kevin Bupp look for recurring revenue they can use to spend, invest, or save up to purchase another rental property.

Kevin shares insights on what it means to be a cash flow investor and how you can begin to invest in real estate with very little money.

For more information, visit the show notes at http://moneytreepodcast.com/183

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Imagine this: Your sister is caring for your mother, and you feel she constantly gets financial assistance above and beyond what you think is fair.

Would you be worried that your mom will run out of money?

This is the situation Pat is in. He thinks his sister is taking advantage of the situation and doesn't want mom to end up in the poor house.

Listen to his real-life story and to the solutions the panel shares that could help you outlive your money.

For more information, visit the show notes at http://moneytreepodcast.com/182

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A bookkeeper noticed checks were clearing the bank without signatures, so she began writing some herself out of her employers account.

More than $500,000 later she finds herself in jail, but who is to blame here?

Desiree Patno is the CEO and President of Women in the Housing and Real Estate Ecosystem (NAWRB) and Desirée Patno Enterprises, Inc. who found out from an outside bank that this was going on. She is now on a mission to expose the neglect from all parties involved - not just the bookkeeper - to make sure things like blank checks never get through the system without notification again.

There's much more to this story, so listen to her story and check out the show notes at http://moneytreepodcast.com/181

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A couple listeners with more than $2M in investments emailed us with questions about retiring, their 401(k) accounts, and how to beat taxes.

For a full list of questions, visit the show notes at http://moneytreepodcast.com/180

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Deacon and his wife combined finances shortly after marriage - only to find $52,000 in consumer debt was weighing them down. They made the choice - and a plan - to pay down that debt in 18 month.

Moving past debt freedom, Deacon began focusing on complete financial independence. In his book, “You Can Retire Early!: Everything You Need to Achieve Financial Independence When You Want It” he describes the three ways to financial independence:

• Real estate
• Stock market
• Entrepreneurship

Listen in as Deacon shares each way and how it can help you achieve financial independence.

For more information, visit the show notes at http://moneytreepodcast.com/179

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Can a demographic have such an impact on a national economy that it keeps interest rates low?

Will the end of a "global savings glut" force interest rates to go up?

What will this mean for inflation?

Our guest, Will Denyer, explains how three decades of investing by Asia's population helped keep interest rates low, but how it all could change once they begin taking money out for their retirement.

For more information, visit the show notes at http://moneytreepodcast.com/178

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Challenging the traditional way of thinking about the bucket strategy, author Jason Smith says you should have three investing buckets.

He begins to explain with a story, then dives deeper into the Investing Buckets: The Now Bucket, the Soon Bucket, and the Later Bucket.

Jason also cautions against "Freak-out Risk".

Listen as he explains how volatility in the market causes people to make emotional decisions with their money at the exact wrong time.

For more information, visit the show notes at http://moneytreepodcast.com/177

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Most people think picking an advisor means finding someone who can pick the best investments.

Joe Saul-Sehy, one of our regular panelists, used to be a financial advisor. He can testify that being a great advisor requires the ability to help clients discover and work on their goals - not just manage their investments.

Join Linda, Doug, Miranda and Joe as they discuss how to identify a good financial advisor, what the difference between an advisor and a Certified Financial Planner is, and how you can be a good client.

For more information, visit the show notes at http://moneytreepodcast.com/176

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By popular demand, we take your questions and put them on air. Linda P Jones, Miranda Marquit and Joe Saul-Sehy give their takes on questions you sent in.

For more information, visit the show notes at http://moneytreepodcast.com/175

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“Securities do not always prove good. Money is gold, and nothing else”.

This quote is attributed to J.P. Morgan in 1912. Does it still hold some truth today?

Rich Checkan is the president of Asset Strategies International. Doug asks him about the benefits of owning gold and does gold truly keep its value?

Then our panelists - who are worth more than their weight in gold - discuss the history of gold’s value in economies and where gold fits into an investment portfolio.

For more, visit the show notes at http://moneytreepodcast.com/174

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Could a child invest enough by age 18 to have enough money at retirement - even if he/she never saved another dime?

Chris Carosa wants children to have a “Child IRA” available from birth - giving the money enough time to compound into $2.2 million dollars.

Does that sound good to you? It will after you listen to this episode of the Money Tree Investing Podcast.

For more information, visit the show notes at http://moneytreepodcast.com/173

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A special presentation of MTI Panelist Miranda Marquit's podcast, Adulting.tv, which originally aired on November 9, 2017 at https://adulting.tv/ep/a097-build-wealth-without-stocks

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CEO of Financially Wise Women, Brittney Castro, talks to Doug Goldstein in this special presentation of the Goldstein on Gelt Show, which originally aired on December 4, 2017 at http://goldsteinongelt.com/inheritance/men-women-approach-financial-planning-differently

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A special presentation of MTI Panelist Linda P. Jones Podcast, Be Wealthy and Smart, which originally aired on July 21, 2017 at http://www.lindapjones.com/listener-q-where-to-invest-300-to-500

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A special presentation of MTI Panelist Joe Saul-Sehy's podcast, Stacking Benjamins, which originally aired on December 4, 2017 at https://www.stackingbenjamins.com/building-wealth-faster

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Listener letters came in about buying company stock at a 15% discount and dumping it the same day, mREIT investing, taking money out of a ROTH to retire early, and starting a podcast about investing in Bitcoin.

For more information, visit the show notes at http://moneytreepodcast.com/168

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Is your personal residence an investment? Many people think so, and it certainly can be counted towards your net worth - but where does your home fit into an investment portfolio?

Dan Green, Founder of Growella.com, joins us to talk about the pros and cons of using a personal residence as an investment or a rental - or both.

For more, visit the show notes at http://moneytreepodcast.com/167

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Listener questions keep pouring in, so this episode is full of questions about investing - or not.

Steven wants to know if it’s better to use a dividend aristocrat’s ETF or try to build a dividend yielding portfolio on my own?

Eric wants to pay tuition out of pocket but is likely to run short. Should he take out student loans for the last year of school or withdraw some IRA funds to pay?

Cato thinks index investing may be causing a relative overpricing of index stocks. Could this be a bubble on a bubble?

Rocko wants to know if he should scale back on his 401k to help fund his next investment property.

Get more information about this episode - or to send in your question - by going to http://moneytreepodcast.com/166

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Most people think mixing humanity and finance creates an oxymoron, but there is more tying wisdom and risk together than most realize. Professor of Finance at Harvard Business School, Mihir Desai, says the humanities of finance mirror how we handle

The post Telling Financial Stories with Mihir Desai – MTI165 appeared first on Money Tree Investing Podcast.

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What are some of the habits and behaviors Joe Saul-Sehy observed as a financial planner for financially independent millionaires? We put the spotlight on him today to learn how millionaires manage their money – and what not to do if

The post How to Manage Money Like a Millionaire with Panelist Joe Saul-Sehy – MTI164 appeared first on Money Tree Investing Podcast.

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Losing money sucks. We’ve had some investments go south and lost money, but the lessons shouldn’t be ours alone. Jim Wang from WalletHacks joins us in a live performance of the Money Tree Investing Podcast at FinCon17, Dallas. Along with

The post Worst Investments Ever with Jim Wang LIVE at FinCon – MTI163 appeared first on Money Tree Investing Podcast.

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Jen Hemphill from Her Money Matters shares the money lessons she has learned while growing up and from coaching others. Highlights from Jen’s interview: Jen married a military man. They moved 9 times before settling down. She couldn’t find work

The post Kids and Money with Jen Hemphill – MTI162 appeared first on Money Tree Investing Podcast.

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Buck Joffrey – Physician, entrepreneur, asset manager and podcaster – loves teaching about the benefits of saving and cash-flow. In this episode he talks about the problems with “investment buckets” and how Wall Street works. Then he goes into making

The post How Do You Feel About Investment Buckets with Buck Joffrey – MTI161 appeared first on Money Tree Investing Podcast.

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Ken French, professor at the Tuck School of Business at Dartmouth, talks about portfolio design as it relates to assets and investing. Then our panel discuss what they think would make a perfect investing portfolio. Do money managers really add

The post The Perfect Portfolio with Ken French – MTI160 appeared first on Money Tree Investing Podcast.

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Can you be an effective stock trader in only 30 minutes a day? Laurens Bensdorp developed a system to help you invest. The system is based on rules he shares in his book, “The 30-minute Stock Trader”. But first, the

The post Equifax Shenanigans and Trading Systems with Laurens Bensdorp – MTI159 appeared first on Money Tree Investing Podcast.

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Listener questions again? Yes, and we love it so keep them coming! Today we talk about making personal finance decisions when your state raises their taxes and can’t balance their budget, where to invest when you are maxing out a

The post State Income Taxes, Retirement Account Tax Issues, What Is a Short-Term Investment – Your Listener Questions – MTI158 appeared first on Money Tree Investing Podcast.

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When does it make cents to pay for information about investing? Well, you are listening to a free podcast – but we have an answer for that question from listener Justin – and many more in this Listener Letters episode.

The post Paying for Investment Newsletters, Index ETFs, Retirement Account Diversification – Your Questions Answered – MTI157 appeared first on Money Tree Investing Podcast.

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Can someone really beat the market on a consistent basis? Spencer Jakab, Deputy Editor of the Wall Street Journal’s “Heard on the Street” column, speak with Doug Goldstein about finding bargains in the market, how someone would make a portfolio

The post Investment Analysis and Indexing with Spencer Jakab from the Wall Street Journal – MTI156 appeared first on Money Tree Investing Podcast.

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Want to make more money? Have you hit the pay ceiling and ran out of corporate ladder to climb? Start a side hustle! Live from the floor at the Podcast Movement conference, we talk about: How to find a

The post Investing in a Side Hustle LIVE from Podcast Movement – MTI155 appeared first on Money Tree Investing Podcast.

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Lots of our listeners are asking what to do with money they have laying around. It’s a good problem to have, and most want to put it to work wisely. Jeremy is 26 years old and just moved home after

The post Student Loans, Debt, Gold and Financial Windfalls: We Answer Your Listener Questions – MTI154 appeared first on Money Tree Investing Podcast.

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Richard C. Wilson is CEO of Family Club Office Association and Chairman of Wilson Holding Company. Family offices are private wealth management advisory firms that serve ultra-high-net-worth investors. They are different from traditional wealth management shops in that they offer

The post Investing in a Family Office with Richard Wilson – MTI153 appeared first on Money Tree Investing Podcast.

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Can women invest better than men? That’s what Suze Orman joins us to talk about today. She has been helping people of all ages improve their personal finances – and knows all to well the differences between how women and

The post Suze Orman explains Who Invests Best – MTI152 appeared first on Money Tree Investing Podcast.

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Great questions from listeners in the mailbag today: Max wants to give his parents a gift of $10,000 when they retire in a few years. They absolutely won’t accept a cash gift, so could I give them stock instead? Georgie

The post Gifting Stock, Pay Off Debt or Buy a House, and Saving in Brazilian Currency – MTI151 appeared first on Money Tree Investing Podcast.

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What do you look for as a value investor? Do you look at Apple, Google, and Amazon because you use them? Trip Miller talks with us about the quantitative and qualitative traits they look for as they decide to add

The post Value Investing: What You Should Know with Trip Miller – MTI150 appeared first on Money Tree Investing Podcast.

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We’re opening up the mailbag with your letters about long term care, social security, choosing a career, and picking investments. Steph asks if Long Term Care Insurance should be part of her financial plan? If so, what is a good

The post Choosing Investments, Career Choices, Long-Term Care, Pensions and Social Security, Listener Questions – MTI149 appeared first on Money Tree Investing Podcast.

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Is it realistic to retire before you reach age 40? Billy and Akaisha Kaderli did – and they’ve been retired for over 25 years. While Social Security and dividend growth stocks take care of their normal living expenses, they continue

The post How to Retire Early with Billy and Akaisha Kaderli – MTI148 appeared first on Money Tree Investing Podcast.

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We are answering listener letters today: Amanda picked target date funds in her 403B at work. Is it ridiculous to have positions in two different target date funds? Michael has STASH, an app for saving and investing extra money you

The post Target Date Funds, Fintech Apps, and Buying in an Overheated Real Estate Market: We Answer Your Questions – MTI147 appeared first on Money Tree Investing Podcast.

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It's the 225th Anniversary of the NYSE. Tim Courtney, Chief Investment Officer at Exencial Wealth Advisors, gives us a snapshot of what trading used to look like before technology was introduced to trading.

Then he and Miranda discuss market manipulation. Who has the bigger hand on the trading buttons? Do they make a difference? What do we need to know about stock market manipulation?

The post What You Need to Know about Stock Market Manipulation with Tim Courtney – MTI146 appeared first on Money Tree Investing Podcast.

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You’ve got questions? Our panel has answers. Doug, Linda, Joe and Miranda are back to offer their thoughts about Buying a Car on Credit, SIMPLE IRAs, and Mutual Fund Investing. Amy: Ways to save more. We are about to buy

The post Listener Questions: Buying a Car on Credit, SIMPLE IRA, and Mutual Fund Investing – MTI145 appeared first on Money Tree Investing Podcast.

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Paul Moore, author of “The Perfect Investment” shares how you can create enduring wealth from the multifamily housing. Paul says two-thirds of the battle in finding a good multi-family property is wrapped up in finding the right sub-market and property

The post Commercial Real Estate with Paul Moore – MTI144 appeared first on Money Tree Investing Podcast.

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Today’s letter bag is full of questions about best places to save and invest emergency funds, down-payments and other big-time purchases. We also tackle questions about dividend paying stocks and what to look out for when choosing to work with

The post Dividend Stocks, Super-Charge Your Savings, and Mortgages…We Answer Your Questions – MTI143 appeared first on Money Tree Investing Podcast.

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Stig Brodersen co-hosts the Investors Podcast, a show that studies billionaires and talks about books they read while interviewing people they like to interact with. Stig says it isn’t complicated to invest in stocks, “but it’s definitely time consuming, and

The post How To Pick Winning Investments with Stig Brodersen – MTI142 appeared first on Money Tree Investing Podcast.

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Tax strategies in retirement planning, defensive allocations, and where to invest when you have extra money every month...these are some of the questions we tackle in our Listener Letters episode.

The post Retirement Planning, Paying Down Student Loans and Taxes. We Answer Your Listener Questions – MTI141 appeared first on Money Tree Investing Podcast.

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Hilary Hendershott from Profit Boss Radio shares her Top 10 List of Worst Financial Advice from Podcasts, things like: Discounted Life Insurance House-flipping seminars Cash Envelope Systems The “Bucket Investing” strategy Then our panelists discusses some of the bad advice

The post Worst Financial Advice from Podcasts with Hilary Hendershott – MTI140 appeared first on Money Tree Investing Podcast.

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A jam-packed show with your letters answered: Simone wants to know about signing up for a high-deductible health plan at work and using an HSA to sock money away for retirement. Kamille and her husband are trying to come up

The post MTI139: Listener Questions – HSAs, 401k Early Withdrawals, Backdoor Roth IRA and more appeared first on Money Tree Investing Podcast.

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“All debt is not created equally”, says Tom Anderson, author of The Value of Debt. Tom explains why it’s important to eliminate Oppressive Debt, debt with interest rates higher than 10 percent. He also believes it is important to begin

The post MTI138: How Debt Can Help You Build Wealth with Tom Anderson appeared first on Money Tree Investing Podcast.

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Morningstar’s Director of Personal Finance, Christine Benz, advises why an investor shouldn’t only rely on Morningstar® research, but should also do their own. She also breaks down the difference between index funds and exchange traded funds (ETFs). Morningstar® researches mutual

The post MTI137: Should You Trust Fund Ratings? with Christine Benz appeared first on Money Tree Investing Podcast.

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Daniel Ameduri believes 90 percent of your liquid net worth should be in reliable performers. The remaining 10 percent is for speculation by those who want to play around in the markets. Daniel recently turned $83,000 from his liquid net

The post MTI136: Trend Following, Speculation, and More with Daniel Ameduri appeared first on Money Tree Investing Podcast.

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Answering listener questions about investing on today’s episode: Matthew from Australia is 27 years old, has no debt, and plans to retire in the next 20-25 years. He deposited $150k into three ETFs: The S&P 500, All World, and ASX200

The post MTI135: Listener Questions Early Retirement, Investing in ETFs and When to Pay Down Your Mortgage appeared first on Money Tree Investing Podcast.

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Andrew Sather comes back to the Money Tree Investing podcast to talk about Dividend Investing: The importance of investing in dividend-paying stocks Dividend success stories The Dividend Aristocrats: Walmart, Coca-Cola, Abbot Laboratories, Altria, Procter & Gamble Having high-yield dividend funds

The post MTI134: Dividend Investing with Andrew Sather appeared first on Money Tree Investing Podcast.

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Jason Steele, an expert in the credit card industry, discusses the benefits and risks of using a credit card. Find out who truly benefits from your credit card purchases and who should give up credit card usage altogether. Then, our

The post MTI133: Do Credit Cards Make Sense in Your Life? with Jason Steele appeared first on Money Tree Investing Podcast.

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Imagine being able to gather investing sentiment from all over the world and focus it into one pool of stocks before the rest of the world. That’s what the BUZZ Index sets out to do. Innovative? Sure. Effective? We talk

The post MTI132: The Future of Active Trading with Jamie Wise appeared first on Money Tree Investing Podcast.

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When does it make sense to begin taking Social Security? Age 62? Age 67? Even later? Devin Carroll CFP® joins us to discuss the timing and situations when it makes sense to wait and some situations when it makes sense

The post MTI131: Successful Retirement & Social Security appeared first on Money Tree Investing Podcast.

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Deferring saving for retirement or taking on your child’s student loan debt may not be the only option you have to pay for your kid’s higher education. Brad Baldridge, CFP®, is a College Funding Consultant specializing in late stage college

The post MTI130: Taming the High Cost of College, with Brad Baldridge appeared first on Money Tree Investing Podcast.

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Millennials are probably right to be scared of the market since they have witnessed some really bad experiences. Our guest today, Amanda Abella, answers the question, “What would you tell millennials to get them into investing?” Amanda is a millennial

The post MTI129: Millennial Money Decisions, with Amanda Abella appeared first on Money Tree Investing Podcast.

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Elle Martinez from Couple Money joins us to talk about the HOW of talking about money with your partner. Elle says to avoid talking about numbers when you first start a conversation about money. Instead, talk about your goals. The

The post MTI128: Marriage and Money, with Couple Money’s Elle Martinez appeared first on Money Tree Investing Podcast.

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Doug McCormick from HCI Equity talks with Linda about Private Equity investing and the role it plays in our economy – and yours! Private equity is a security that isn’t on the public exchange. The two most common types are

The post MTI127: Investing in Private Equity, with Douglas McCormick appeared first on Money Tree Investing Podcast.

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The DOW recently broke the 20,000 mark. How does that make you feel? T. Michelle Jones from Bryn Mawr Trust joins us for a discussion about how emotions get in the way of our investing plans and how to stay

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It’s our favorite time again where we answer your letters. Scott wants to understand: “By being taxed on deposit into the Roth, I lose out on compounding interest on the taxed portion. Under normal conditions, would the sum of the

The post MTI125: Listener Letters – Tax Advantages of Roth IRA vs Traditional, Using Insider Trading News, and Reallocating ETFs appeared first on Money Tree Investing Podcast.

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Claudia and Garrett did everything right – so they thought: They went to school on student loans, purchased cars with loans, and got a mortgage for a house when all they really wanted to do was travel. What started as

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Vanguard’s Maria Bruno joins us today to talk about getting our money ready for 2017. Should we be saving instead of investing? How much should we be investing? What about re-balancing? While every person’s finances are different, there are logical

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We are back and in full force for your investing questions. Chris is 25 years old and inherited $100,000. How should he invest it without putting it into retirement savings? Sarah wants to understand the method of Tax Loss Harvesting.

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Bringing one more blast from the past, Phil Ash shares some of the most common investing mistakes we make that prevent us from maximizing our returns. Then our panelists discuss their “favorite” mistakes. About Phil Ash: Formerly of Baton Investing,

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Just because we are on vacation doesn’t mean we’ve forgotten about you. From our archives, the Rent vs Buy debate is still a popular topic – so popular that we are bringing this popular episode back to you today. Our

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We are on holiday but wanted to bring you a blast from our past. This episode is one of the most popular, so we wanted to replay it while we are away. J. Money from BudgetsAreSexy.com shares funny stories of

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Are you close to retirement without adequate savings? Jane Bryant Quinn’s most recent book, How to Make Your Money Last, addresses this problem for those facing retirement and those in retirement. Social Security, working longer, and how large of a

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Eric and Wendy Nissan know what it’s like to be on both sides of the market: As both professional and as investors. Today they share tools, strategies, and things the pros use that the average investor doesn’t. We also discuss

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Send us your questions and we might actually get to them. This episode is just that: Listener Letters with Miranda, Doug, Joe and Linda P. Jones David 1 writes in with his full portfolio standings, but isn’t contributing to

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Market Timing: When should you get out of the market and when is the right time to get back in? The market has been volatile, but not as often as you think. Garrett Jones works with Peter Eliades’ of Stock

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James Dale Davidson says we are headed for a money cataclysm, after about 42 trillion dollars in wealth has been “created out of vapors”. In the 20th Century, we used more energy than at any point in our time. This

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Arther Laffer is best known for the Laffer Curve, an illustration of the theory that there exists some tax rate between 0% and 100% that will result in maximum tax revenue for governments. He explains how there are two effects

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Crypto-currency is as controversial as the recent Presidential election. Will it become the medium of exchange in the near future? Ashe Whitener, host of the Liberty Entrepreneurs Podcast, explains where Bitcoin came from and how it works. Interesting points: •

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John Lee Dumas, host of Entrepreneur On Fire, knows more stories about failure than anyone we know. He has asked more than 1,400 entrepreneurs to tell their stories of woe – and how they overcame it. John said that learning

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David Stein from the popular “Money For The Rest Of Us” podcast talks about indexing: Is Indexing really making you an active money manager? Why do people pick index funds from their local country? Does emotion play a part in

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How are stocks effected when a big buy-out is expected? What are good books to read about value investing? What other sources are there about SRI for an atheist? We are back for another round of Listener’s Letters: Listener Joe

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“The first thing people need to understand about options is that the market is incredibly efficient”, says Kirk Duplesis from OptionAlpha.com. There is no free lunch, meaning you don’t get anything without giving up something. Kirk describes buying an option

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Wells Fargo, one of the largest commercial and business banks in the world, fired over 5,300 employees when thousands of accounts were opened without their customer’s approval. The panel discusses who was affected by this, how it could happen, and

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Today we answer listener letters from Shylowe, Christopher, Michael and Justin. Shylowe is living paycheck to paycheck and wants to learn about investing. He uses Acorns and Robinhood because they really have no barrier to entry, has had some success,

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Richard Wilson, author of How To Start a Family Office, shares the Top 7 Investment Strategies of Centimillionaires. Richard explains how centimillionaires: Want to own the game rather than being a player in someone else’s game Need to establish themselves

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Can the crowd skew the market? Annie Wyatt from CrowdInvest thinks it can beat the market. What is crowd investing? The theory is that independent and diverse individuals will out-perform a singular opinion (such as portfolio managers). CrowdInvest has tested

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Matt Hall is the founder and President of Hill Investment Group. He wrote a book, “Odds On: The Making of An Evidence Based Investor”, out of frustration with traditional investing books he calls “moderately technical”. While other books gave great

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Success comes with hard work and tough decisions. Sometimes you need to quit and pivot. Rick Newman wrote the book, “Rebounders: How Winners Pivot From Setback To Success”. Doug interviews him about failing fast and making tough choices on the

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Jason Hartman has his finger on the pulse of real estate in several areas around the United States. He knows What’s going on in the Real Estate markets and where the best places are to invest. In this episode, he

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Today we get together to answer YOUR questions: Kevin wants to know if bonds are in for a “day of reckoning”. How do bonds effect equity valuations? Paul wants to know if dollar cost averaging is a sustainable strategy all

The post MTI100: Listener Letters about Bonds effecting Equities, how Credit Card Rewards are paid for, and more appeared first on Money Tree Investing Podcast.

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What you be done to improve the financial system for woman breadwinners in today’s world? Our guest, Ellen Jordan, talks about the problems she is seeing as a CFP and Senior Vice President at Bryn Mawr Trust and our panel

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New York Attorney, Jules Haas, is an expert on probate, estate planning, and real estate. Today he talks about the basics of a real estate transaction, particularly purchasing a primary residence. Tips from Jules Haas: Hire an engineer or architect

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Rabbi Shaya Karlinsky explains how we can still make moral-based investment decisions even when faced with a difficult question like this: Would you invest in a company that sells self-driving cars if it chose to kill the driver instead of

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Dr. Daniel Crosby is a Psychologist, New York Times Best-Seller and HUGE St. Louis Cardinals fan. His newest book, The Laws of Wealth: Psychology and the Secret to Investing Success, talks about ‘Forecasting is for Weathermen’ and ‘If You’re Excited,

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Matt Towery believes we can use the news to make investment decisions. “News effects all of our investments. Anyone can watch the news but by the time you hear about it you couldn’t take advantage of the event. It’s already

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We are back to answer your questions: Tommy asks for ideas to grow his investments. Most of his investments are in cash, the rest in a brokerage account. Listener “In Need Of a Teacher” wants to know how to implement

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Have you ever wanted to get in on some of those Shark Tank-like deals? The US Government has a new ruling that appears to let you do that now under Reg-CF. In the past, you had to be an “accredited

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Our guest, Shannon McLay from FinancialGym.net, says ““Financial Literacy starts in the home”. She shares stories of her son’s experiences with money at a young age and how we too can raise a financially fit kid. 7 Tips to Teach

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Time again for our panel to answer your questions: Justin wants to know what analysts mean by a stock target price? Emily is worried she may be saving TOO much. *Listener “Invest Passionately” wants to know the panel’s opinion of

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Economist and stockbroker, Peter Schiff, wonders if we would have Jetsons-like lives if the government didn’t put so many regulations on business. In today’s episode, we discuss inflation, regulation, and stagnation “Who knows what extra inventions we would have come

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Many investors don’t think about investing in mobile home parks. Jefferson Lilly shares the benefits of owning mobile home parks and why it's the only real estate asset class that is actually shrinking.

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David Shelhammer is a credit card reward enthusiast. He believes collecting credit card rewards or cash back from using credit cards can be a lucrative hobby. David admits, along with our roundtable panelists, that they aren’t for everyone and you

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Are you socially responsible with your investments? Bill Holliday joins us to talk about SRIs (Socially Responsible Investments), what qualifies as an SRI, and if there is a place in our portfolio for such a niche type of investment. Of

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Burton Malkiel is an American economist and writer, most famous for his classic finance book A Random Walk Down Wall Street. He discusses ways retires should look at the current state of interest rates, purchasing corporate bonds, and dividend-paying

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The panel discusses questions from YOU, the listeners! Daniel is worried about pricing limit orders below flash-crash prices. How does he protect his valuable assets from doom (his words, not ours) 30 year old, Sonny, wants to know if it

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Investing in your business is investing in yourself. A business can contribute to your retirement as an asset you could either sell or create an income for years to come. Our guest, Ty Crandall, believes you can finance a business

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Adam Butler is CFA and CEO of ReSolve Asset Management. He co-wrote a book, Adaptive Asset Allocation, with Michael Philbrick and Rodrigo Gordillo. Adaptive asset allocation is a form of market rotation. The presumption is you have “some sort of

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In this complex world of finance, we need to keep these main areas simple: Saving, insurance and investing 1. Saving, Spending, and Credit If you aren’t saving enough you are probably spending too much. One reason is today it is

The post MTI082: Terrance Odean – Making Simple Smart Financial Decisions appeared first on Money Tree Investing Podcast.

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Can you be credit worthy without a credit score? That’s what Financial Wellness Coach, Steve Stewart, believes. A credit score is based on your credit report – but the only things on credit reports are debts, debt products, and bills

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Kevin Stewart introduced the Safety Score to StocksForTheWeek.com. The Safety Score looks at the typical income statement items a financial analyst would use to come up with a score for more than 2,400 companies. At a glance someone could quickly

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We are back with questions from YOU. Today's topics cover picking ETFs, investing in index funds, and should you pay extra on the mortgage or invest

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If advisers can list the serious risks of the market, like the drop in oil prices or possibility the Fed makes a bad decision, how can they still say “Don’t worry. It’ll be OK and you should still invest.” David

The post MTI078: Pessimistic About the Market? David Holland rests our fears appeared first on Money Tree Investing Podcast.

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Biotechnology has been the stock market’s best performing sector over the last 4-5 years, according to Brad Loncer, a private investor with a biotech focus. Cancer immunotherapy caught his attention. It is a treatment that uses your body’s own immune

The post MTI077: Biotech Sector Investing with Brad Loncar appeared first on Money Tree Investing Podcast.

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Options trading isn’t something we come across on a daily basis. Today’s guest, John Richardson, explains how options trading can be a great way to enhance your portfolio.

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There’s a lot going on with securities crowdfunding. It can provide a way for startups, small businesses, and medium business to raise funds. It’s also a way for folks with a little less money to access opportunities in hedge funds

The post MTI075: Securities Crowdfunding with Rick Andrade appeared first on Money Tree Investing Podcast.

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How do the best money managers handle portfolios? Along with sharing their views on the best money managers, the Money Tree Podcast panelists also discuss whether the high-speed technical traders are taking a piece of your investment profits. On today’s

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Wayne Connors from RetirementInvestor.com builds portfolios and teaches investors how to use investing tools for a living. How do you avoid some common mistakes people make in volatile, 2016-style markets? What’s important to know (and NOT know) in today’s markets.

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This week we talk about managing and making money with online business, budgets, and Craig’s List. Our guest is J. Money from BudgetsAreSexy.com.

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There are indications that millennials are scared to invest. Thanks to the memory of 2008, and watching their parents worry about losses to retirement accounts, many millennials are pulling back on their expectations. However, staying away from stock investing is

The post MTI071: Millennials and Investing with Katie Brewer appeared first on Money Tree Investing Podcast.

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Do you know what it takes to be successful at day trading? It’s not for everyone, but it is something that can work well if you have the right temperament and the right approach. In this episode, Brady Dahl from https://www.momotraders.com/ talks

The post MTI070: Day Trading with Brady Dahl (Andrew’s Farewell Episode) appeared first on Money Tree Investing Podcast.

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On today’s first show of 2016 we answer a slew of your letters…everything from bitcoin to diversification to international investments, investing abroad and while in the military. We also debut our new, exciting lineup of contributors. See links to their

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Happy New Year! We’re still on break as we spend time with our families and get ready to add new panelists to the show. We hope you enjoy this classic Money Tree Podcast episode. Today’s classic episode is about robo-advisors.

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We hope you are enjoying a Merry Christmas! We’re on break right now, enjoying time with family, so we thought we’d share a classic podcast episode. In this Money Tree Classic episode, we revisit real estate investing with Brandon Turner

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Enjoy this classic episode of the Money Tree Podcast. David Stein, from Money for the Rest of Us, talks about Modern Portfolio Theory, and where it fits in today’s investing climate. Some of the topics covered include what MPT is,

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In this episode we talk with Abby Brooks from Sallie Mae about college savings and what you need to consider when planning for your kids to go to college. Topics covered: Types of savings account What is your savings priority

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Doug Goldstein, author of Rich as a King, a book comparing investing to chess, joins us this week to talk about fundamental investing practices. How should beginners invest? What’s important about diversification (and when’s it overblown)? How important is it

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It’s another episode with listener questions. This time, most of the questions deal with beginning investing. If you want to know what you can do to start building wealth, we talk about some of your opportunities to invest while answer

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Traditional investments of stocks and bonds are beginning to be more and more correlated. This makes it hard to be diversified in your portfolio. Today we talk about alternative investments that can help you reduce the overall correlation of your

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Joshua Belanger from OptionSizzle.com joins us to talk options: why do people see them as risky? Joshua sees the opposite: options are a great way to invest, and he’ll share why on today’s show! In our second half, our usual

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Topics covered include: The similarities between how scouts evaluate players and how investors can evaluate stocks The concept of offense, defense, and special teams in your investing and a complete insurance breakdown Examples of stock splits, the reasons behind them, and

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We are told that paying down student loans — or any debt — offers a “guaranteed” return on investment. Even if that’s true, is speeding up the pay down on low-interest, tax-deductible debt really the best use of your resources?

The post MTI058: Is Paying Down Student Loans a Good Investment? appeared first on Money Tree Investing Podcast.

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Jason Hull CFP from MyFinancialAnswers.com joins us to talk about where investing fits in your overall plan. Then our roundtable team discusses planning and investing. Enjoy! Today’s Panelists Miranda Marquit | Planting Money Seeds Joe Saul-Sehy | Stacking Benjamins Andrea Travillian | Take

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The markets lately have been on a crazy roller coaster. Much of this volatility is due not to our own conditions in the US, but to the economies of other countries. In this episode we talk to guest Andrew Stotz

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Topics covered include: Why trading was halted, with comparisons to 2010 flash crash How markets across the world move depending on the time of day The effects of the current bear market in commodities The best way for the long

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Are you looking for some good bargains in the current volatile market? In this episode, Jim Pearce from Investing Daily talks about the two tier market and how to find good values when things get interesting. We talk about the

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We answer listener questions brought to us via email. We welcome guest panelist Jeremy Balkin, the author of Investing with Impact: Why Finance Is a Force for Good to help us provide insight. Some of the topics we cover in

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Scott McIntosh, VP of Franchise Development for Nestle Toll House Cafe, joins us to talk about investing in a franchise. We cover lots of ground in this area that many investors don’t consider: – Can you invest passively in franchises

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In this episode we talk with Roger Wohlner from the Chicago Financial Planner about types of small business retirement accounts and what you should consider when looking at setting one up. The discuss: The SIMPLE, SEP, Solo 401K Traditional Pension

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Topics covered include: Why 95% will never be wealthy Multiple IRAs, Roth IRA, and Self Directed IRA Overcoming information overload Resources The Richest Man in Babylon by George S. Clason Today’s Panelists Andrew Sather | eInvestingforBeginners Miranda Marquit | Planting Money Seeds Shannon

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Today we answer more of your investing questions and answers . We take your questions and answer them in great detail with a little fun debate. The topics we covered were: What to do with extra money beyond the 401K

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What’s next for the U.S. dollar? Is it really headed for weakness after recent years of strength? And if the greenback is ready for weakness, is it time to turn to other currencies? Linda P. Jones joins us to talk

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Technical analysis is the study of past prices, used for risk management and to help obtain a possible directional bias going forward. In this episode we review some of the basics so that you can decide if technical analysis is

The post MTI047: Beginner Technical Analysis with Greg Harmon appeared first on Money Tree Investing Podcast.

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Topics covered include: Perspective on current emerging markets landscape How to assess risk in the over 50 emerging markets countries The effect of politics on emerging markets investments Resources Cracking the Emerging Markets Enigma by Andrew Karolyi Today’s Panelists Andrew Sather

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Hedge funds inside of an ETF? Ethan Powell is Chief Product Strategist and Executive Vice President at Highland Capital Management in Dallas, Texas. He shares insights into how hedge funds work and how they’ve managed to squeeze them into exchange

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Are you making some of the most common investing mistakes? Many of us aren’t doing all we can to maximize our returns — and we don’t even know it. We talk to Phil Ash, from Baton Investing, about the investing

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Buy vs rent – the constant debate! In this episode we look to the pros and cons of both sides and how to decide if the time is right to buy a home. Topics covered include: Benefits of owning a

The post MTI043: Buy vs Rent with Jason Hull appeared first on Money Tree Investing Podcast.

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Capitalism is a hotly contested topic as it relates to the government and the economy. We’ll discuss whether each of us believes that capitalism is evil or good, and you might learn some interesting perspectives from both sides of the

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Andrew Chanin, CEO of PureFunds joins us to talk about silver and miners. Where does silver go in your portfolio? Why is it on such a run lately? What’s the upside/downside of a silver-based investment? We’ll talk about how buying

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Today we empty the mailbag, answering your letters about quarterly earnings, bonds, college degrees and more. Have a question for the show? Write us at contact (at) moneytreepodcast (dot) com.

The post MTI040: Your Letters – Quarterly Earnings, College Degrees and More appeared first on Money Tree Investing Podcast.

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Commodities always seem like the sophisticated advanced investing thing to do. However, is it really an area that the individual investor should be investing in? This week we look at what commodity investing is and if you should try and

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P2P loans offer an interesting investing opportunity. There is the potential for diversification and reasonably good returns. We talk with Simon Cunningham from LendingMemo.com about what types of P2P loans are ideal for investing, as well as what to look

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Today’s discussion centers on the global economic system and its inner workings. If you’ve ever wanted to know how market forces impact each other and influence the economy as a whole, this is the episode to tune in to. This episode

The post MTI037: The World’s Deleveraging Situation with Preston Pysh appeared first on Money Tree Investing Podcast.

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Co-producer Andrew Meadows from the new documentary Broken Eggs – The Looming Retirement Crisis, joins us this week to tackle America’s “three legged stool” (investing, pensions and social security). He exposes the flaws in each “leg” and we discuss potential

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Today is our inaugural questions and answers episode. We take three questions from readers and answer them in great detail. The questions were: 1. How would you go about investing a large windfall of money such as a million dollars,

The post MTI035: Q&A Listener Questions What to Do With Lump Sums appeared first on Money Tree Investing Podcast.

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Today we talk about an investing strategy called Trend Following. Our guest Niels Kaastrup-Larsen guides us through what a beginner needs to know about investing using trend following as your strategy. Topics Covered What is trend following and how

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How do you set your investing priorities? This week’s guest is Carl Richards, the best-selling author of The Behavior Gap, joins us to talk about some of the concepts in his new book, The One-Page Financial Plan, and how they

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Today’s episode takes a deep dive look into the world of small cap growth, and discusses some of the dangers of investing in that space. We also get perspective on global allocation strategies, with a few simple analysis methods shared

The post MTI032: Growth Traps and Global Strategies with Sean Emory appeared first on Money Tree Investing Podcast.

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Andrew Sather (our esteemed co-host AND the mind behind eInvestingForBeginners) has written a new book called the Value Trap Indicator. We’ll discuss strategies and specific examples from the book on how you can avoid investing traps. What is a value

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In this episode we take a look at how you can use annuities to save for retirement. Annuities always seem to be a good place to find controversy so we thought it would be good to break down exactly what

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Sure, we all know that we need to plan for retirement. In fact, we spend a great deal of time building up the right retirement portfolio. What many of us overlook is what we will do with our investments after

The post MTI029: Create a Retirement Spending Plan with Roger Whitney appeared first on Money Tree Investing Podcast.

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Today we officially introduce our fourth panelist to round out the group, Andrea Travilian. We talk about her background and how she uses buckets, index funds, bonds, individual stocks, and even options strategies. Andrea shares the importance of evaluating management

The post MTI028: Evaluate Management and Earnings Calls with Andrea Travilian appeared first on Money Tree Investing Podcast.

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Engelo Rumora has an incredible story. He dropped out of school at 14 to pursue his dream of professional soccer. Fast forward past career-ending injuries and Engelo created his own education, focused on real estate and went on the attack.

The post MTI027: Real Estate, Hustle, and Successful Partnerships with Engelo Rumora appeared first on Money Tree Investing Podcast.

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Learn all about options trading in a world where prices are reliant on an opaque financial model. The inflexibility of the model creates interesting value opportunities both with options and equities. Today’s episode is with Erik Kobayashi-Solomon, an expert in

The post MTI026: The Intelligent Option Investor with Erik Kobayashi-Solomon appeared first on Money Tree Investing Podcast.

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Who do you trust with your money? New podcast panelist Joe Saul-Sehy talks about his years as a financial industry insider. Who should you trust when it comes to your money? While you are probably the best manager of your money,

The post MTI025: Joe Saul-Sehy and Who You Trust with Your Money appeared first on Money Tree Investing Podcast.

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How would it be if you had an investment portfolio that you never had to worry about? That’s the theory behind the “permanent portfolio,” which is explained by Andrew Hallam in his new book. While Hallam doesn’t use the permanent

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Learn all about the application of momentum in an investing strategy. Today’s episode is with the award winning author and expert of modern portfolio theory Gary Antonacci. His book, Dual Momentum Investing: An Innovative Strategy for Higher Returns with Lower

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In this episode we interview Rob Berger of Dough Roller about robo-advisors. Should you use one? Should you fire your existing traditional financial advisor? Find out this and much more in this episode. Resources Dough Roller Betterment Personal Capital Wealthfront

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A fear of investing is very real in today’s world. Stock market crashes, sensational media stories, and myths about how much money it takes to invest can weigh on your mind, and create uncertainty about investing. Unfortunately, a fear of

The post MTI021: How to Get Over Your Fear of Investing with Dan Egan of Betterment appeared first on Money Tree Investing Podcast.

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Today’s guest is Preston Pysh from Buffett’s Books. We talk about Warren Buffett’s origin story, the implications of fear and greed in the marketplace, and Buffett’s 4 rules for picking stocks. A fascinating discussion that is essential for any stock

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Interview David Stein of podcast Money for the Rest of Us about the flaws in asset allocation and modern portfolio theory. What are your other options and how can you manage your investment portfolio better. Resources Money For The Rest

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Investing is the best way to build wealth for the future, but many millennials are wary of investing. They aren’t sure how to trust others with their money, and they may not have had money conversations with their parents. Fidelity’s

The post MTI018: Retirement Investing for Millennials with Lauren Brouhard appeared first on Money Tree Investing Podcast.

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Many people and businesses struggle financially not because they have too little income, but because they have serious cash flow issues. Chris Miles is an expert on managing cash flow, and he shares some of his top tips with you in

The post MTI017: Managing Your Cash Flow with Chris Miles appeared first on Money Tree Investing Podcast.

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In this episode about accredited investors, learn about: Investments outside of Wall Street How to find high yield investments Low risk, high reward investing Links Mentioned in the Episode: MONEY Master the Game: 7 Simple Steps to Financial Freedom

The post MTI016: Accredited Investor Newswire with Larry Farris appeared first on Money Tree Investing Podcast.

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Are you looking to start investing in real estate? What are the legit methods that require low or no money down? Brandon Turner of BiggerPockets has a new book out that tells you the options available. Resources mentioned: The Book

The post MTI015: Getting Started Investing in Real Estate with Brandon Turner appeared first on Money Tree Investing Podcast.

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Want to make money by investing in websites? It’s possible. Depending on how you view your website, you can build a revenue source for the future. We discuss different ways that websites can be used for investing with Tom Drake,

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HTML shaped and revolutionized the internet, and XBRL is about to do the same with financial reporting. This digital way of reporting financial figures promises to make financial data more accessible than ever before! This week Nick interviews Nate Anderson,

The post MTI013: XBRL and Financial Data with Nate Anderson appeared first on Money Tree Investing Podcast.

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Great interview with the financial derivatives expert and Austrian economist Andy Duncan about the destruction of money and its effect on the world, with a discussion on the role of capitalism, labor, markets, and the value of capital on the

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Different assets are ideal for different goals, especially when you consider your time frame. When setting investing goals, it’s important to consider time horizon, as well as what you want to accomplish. In this episode we talk about setting investing

The post MTI011: Setting Time-Based Investing Goals with Robert Farrington appeared first on Money Tree Investing Podcast.

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To the beginning investor, options trading can seem like it’s only a risky bet. In this episode we discuss how options can be used as a hedge, and in some cases a method to generate income in your portfolio. We

The post MTI010: Why Are Options Not Always Risky? with Brian Overby appeared first on Money Tree Investing Podcast.

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Earnings manipulation can make a company look very profitable, while in fact they are bleeding money. This week’s guest, Hewitt Heiserman, is an author of the book It’s Earnings That Count and an expert in financial statement analysis. He devised a

The post MTI009: Earnings Manipulation and Financial Statement Analysis with Hewitt Heiserman appeared first on Money Tree Investing Podcast.

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This episode covers a wide range of important financial topics. Kate Holmes, the founder of Belmore Financial, comes on to the podcast to share her thoughts about the typical financial adviser and broker. She brings her over 9 years of

The post MTI008: Financial Planners and Mortgages for Millennials with Kate Holmes appeared first on Money Tree Investing Podcast.

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Do you want to super-charge your investment portfolio? One of the best ways to build your nest egg faster is with the help of dividends. Learn why dividends can be a powerful addition to your portfolio, and how you can

The post MTI007: Dividend Investing with Andrea Travilian appeared first on Money Tree Investing Podcast.

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In this week’s episode, Larry Ludwig interviews Peter Renton on the topic of Peer-to-Peer investing. Resources mentioned: Is Lending Club or Prosper a Risky Investment? from Investor Junkie Lending Club Review from Investor Junkie Lend Academy NickelSteamroller

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In this week’s episode of the Money Tree Investing Podcast, Nick Kraakman interviews Chris Moody, a highly experienced swing trader, on the difference between trading and investing. Chris shares some thought-provoking insights with us and recommends several must-read books for

The post MTI005: Chris Moody on Trading versus Investing and How to Become an Expert Trader appeared first on Money Tree Investing Podcast.

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Today’s interview is with our very own Larry Ludwig from Investor Junkie. As an experienced investor and business owner, Larry has plenty of great insights to share both on the podcast and on his site. In this episode, we find

The post MTI004: Larry Ludwig on Asset Allocation appeared first on Money Tree Investing Podcast.

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There are a lot of misconceptions about investing. From the idea that you can make big money right now, to the myth that you need a lot of capital to get started, our panel dispels the myths that hold many

The post MTI003: Andrew Sather on Investing for Beginners appeared first on Money Tree Investing Podcast.

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This time Nick Kraakman from valuespreadsheet.com is interviewed by Larry Ludwig. Nick shares why he believes Value Investing is the best way to consistently earn above-average returns, as well as his views on the current valuation of the stock market.

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In this very first episode of the Money Tree Investing Podcast, Nick Kraakman interviews fellow panel member Miranda Marquit from PlantingMoneySeeds.com on the topic of personal finance. Miranda also shares her number one tip to grow your wealth. The episode

The post MTI001: Miranda Marquit on Personal Finance and Growing Your Wealth appeared first on Money Tree Investing Podcast.

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