8-22-25 Delayed Gratification is the Gateway to Financial Literacy
2025-08-22
How can you enhance the chance for financial success in children?
Teach them to abstain from marshmallows…or develop their sense of delayed gratification.
RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
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https://realinvestmentadvice.com/newsletter/
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8/22/25 Raising Money-Smart Kids | How to Teach Kids About Money & Saving
2025-08-22
Raising money-smart kids is one of the most valuable lessons you can give them for life. Richard Rosso & Jonathan McCarty break down how to teach kids about money, from saving and budgeting to making smart financial decisions early on.
You’ll learn practical strategies for financial literacy for children, including:
Simple ways to explain money to kids
How to teach kids to save money and set goals
Smart money habits that last a lifetime
Real-world lessons for raising financially responsible kids
Whether you’re a parent, grandparent, or educator, these tips will help you set the foundation for your child’s financial future.
0:19 – Financial Literacy Starts in the Home
6:52 – The Danger of On-line Shopping
9:01 – The Marshmello Experiment on Delayed Gratification
10:39 – The
OPEX Overload: How 3 Trillion In Expirations Can Move Markets
2025-08-21
Nearly $3 trillion of notional stock options expire on Friday’s open expiration (OPEX day). Over half of the OPEX volume is in S&P 500 options, with the remainder in single stock options. The graph below provides details on the split between puts and calls, and the strike prices and open interest of the options. Almost …
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6-28-25 Candid Coffee – Financial Independence
2025-06-30
Lance Roberts & Danny Ratliff host our mid-year review of markets, money, and financial mayhem: How to be a better investor without the tedium of the mainstream media noise.
INTRO/Origins
01:56 – Market Commentary – Markets at All-time Highs. Again.
(Jan 7 "Curb Your Enthusiasm")
Looking for another draw down this Fall – normal
End of Year Preview, Newsletter: What Do I Do If I Missed the Rally?
(Hope & Fear article)
06:00 – What is the goal for buying stocks: Better risk-reward, not lower price
09:00 – Timing the Market & Time Line Horizons
15:00 Commodities Commentary
18:45 Sector Rotation philosophy & risk management
21:20 Strategy for Bitcoin & Gold in RIA Portfolios
26:30 – Bitcoin is a proxy for the stock market & market speculation
27:30 – Bitcoin as a safe haven? It’s not