As thousands of government workers are being invited to leave, and Chevron offers severance packages to a swath of its employees, what’s the best strategy if you’re offered an opportunity to retire? Take a lump-sum or annuitize the dollars? Lance Roberts and Danny Ratliff offer helpful suggestions if you’re facing "permanent furlough" with severance package advice and suggestions on how to invest severance pay; how to manage a severance package and severance pay tax strategies; and, what to do after job layoff.

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor, Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
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REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE:
https://streamyard.com/watch/Gy68mipYram2
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Reconsidering our consumption habits is crucial, especially for financial planning. Would you pay double the price for it? 🤔 #financialtips

Watch the entire show here: https://cstu.io/1e0cc8

YouTube channel = @ TheRealInvestmentShow

Unpacking the evil formula of taxation and what’s not included. 💸 #taxes #finance #moneytips

Watch the entire show here: https://cstu.io/9ccb65

YouTube channel = @ TheRealInvestmentShow

It is the 90th anniversary of the establishment of Social Security; amazingly, some recipients over the age of 150 are apparently still receiving benefits (!). Could there be a clue here on how to help shore up the fund? Just sayin… Nvidia earnings are on the way; Meta has and a 20-day winning streak, not one down day for the pat6 20-trading days. Its performance as one of the Mag-7 stocks is what has helped, in part, keep markets elevated. The market defies more negative news because retail investors continue to step in and “buy the dip.” In our recent Bull Bear reports, we discussed the push by retail investors, but looking at retail sentiment is quite remarkable. Since the pandemic, retail investors have never been this bullish on the stock market. Such is amazing, given that their

Understand the system: people selling you different coins are making money off your assets. It’s all about converting assets. #cryptocurrency #investing

Watch the entire show here: https://cstu.io/34c31d

YouTube channel = @ TheRealInvestmentShow

Did you know? Fiat currency isn’t backed by nothing. It’s like owning stocks – you own a piece of something valuable. 💰📈 #Finance101 #Investing

Watch the entire show here: https://cstu.io/4b5af9

YouTube channel = @ TheRealInvestmentShow

Are you waiting for the other shoe to drop in the market? The challenge is timing – yields go up slowly but drop quickly. When to make your move? 📈🤔 #marketinsights

Watch the entire show here: https://cstu.io/3ae9c8

YouTube channel = @ TheRealInvestmentShow

Don’t let media headlines dictate your investment decisions! Do your homework before making any moves in the market. 📊💡 #InvestWisely

Watch the entire show here: https://cstu.io/498a02

YouTube channel = @ TheRealInvestmentShow

Healthy living accounts for about 70% of longevity until one’s 90s, after which favorable genetics dominate, concludes a long-running study. Richard Rosso & Matt Doyle examine the financial implications of becoming a Centenarian: Retirement Planning for 100-Year Life, How to Retire and Live to 100, and the implications of Longevity and Financial Planning; also Investing for a Long Retirement and Outliving Your Savings Solutions.

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Relationship Manager, Matthew Doyle, CFP
Produced by Brent Clanton, Executive Producer
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REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE:
https://streamyard.com/watch/Gy68mipYram2
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Articles mentioned in this report:
"The Retirement Transition Plan: Day One."

Fed cutting rates, but still doing quantitative tightening. Selling bonds increases yields. Will they expand balance sheet to bring rates down? 🤔 #economics #Fed #interestrates

Watch the entire show here: https://cstu.io/455712

YouTube channel = @ TheRealInvestmentShow

Small changes in economic numbers can have a big impact on the market! 📈💰 #Stocks #Bonds #Economy #MarketReactions

Watch the entire show here: https://cstu.io/4d4e5d

YouTube channel = @ TheRealInvestmentShow

📈 Growth is key! 🚀 Don’t just focus on past valuations, look ahead! Some companies, like the Magnificent Seven, show consistent growth rates. #InvestingTips #GrowthIsKey

Watch the entire show here: https://cstu.io/bceba5

YouTube channel = @ TheRealInvestmentShow

Bonds shining during market volatility! 💰💸 #InvestingTips #Bonds #MarketInsights

Watch the entire show here: https://cstu.io/0afee0

YouTube channel = @ TheRealInvestmentShow

Lance’s Valentine’s Day PSA (the short version) & Jerome Powell’s annual Congressional testimony: Everything is volatile; headline generator. Cracks in the economy are emerging: Jobs numbers are full of "seasonal adjustments:" Indicators that employment and Labor Market are weakening. The impact of hot CPI: Markets hold support and price compression; in a wait-and-see mode. Trump reciprocal tariffs coming. Lance & Michael discuss where inflation comes from (with charts!), noting that January numbers generally tend to run "hot." The second half of February tends to be weak. Jerome Powell’s annual congressional testimony: The Fed does not control mortgage rates (but the Fed DOES have mortgage-backed securities on its balance sheet). The Fed is dovishly hawkish; depends more on PCE

Men, the clock is ticking, and Friday is Valentine’s Day.
Lance and Danny issue our annual public service announcement for the betterment of relationships (and pocketbooks).

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
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REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE:
https://streamyard.com/watch/Gy68mipYram2
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Watch today’s full show video here:
https://www.youtube.com/watch?v=-enFoz6wQPw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s
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Articles mentioned in this report:
"Bull Bear Report – Technical Update"
https://realinvestmentadvice.com/resources/blog/bull-bear-report-technical-update/
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The latest installment of our new feature,

📈 Planning is key! Just like we plan for retirement and finances, having a strategy for reducing your stock position is crucial. #FinancialTips 💰

Watch the entire show here: https://cstu.io/7ae172

YouTube channel = @ TheRealInvestmentShow

Today’s market activity will hing upon this morning’s CPI Print (which showed consumer prices rising higher than expected). WEven more telling will be tomorrow’s PPI numbers showing input costs. The question to be answered by investors is what the trend of inflation is, and what the Fed will do next. Will companies be able to pass along higher costs to consumers? What is driving inflation? Oil price increases are a short-term indicator, but have a 90-lag in data. Lance delivers his annual Valentine’s Day Public Service Announcement. Lance and Danny review questions from this past weekend’s Candid Coffee episode [&list=PLVT8LcWPeAugq7q4XzOcad3oSN5Z1Zd-Z&index=1&t=95s]: Outisde of treasuries and US government bonds, there are no "safe" investments. Dividend Yields and bond durations; what

🌟🔍 Super savers, here’s a key financial tip! 🤑💡 Always track where your contributions are coming from—whether it’s your paycheck, bonuses, or other sources. Smart saving starts with smart planning! #FinancialWisdom #SavingsGoals

Watch the entire show here: https://cstu.io/6e70ab

YouTube channel = @ TheRealInvestmentShow

Markets are coming to grips with that Trump Tariffs really mean, and are adapting through sector rotations. Lance & Jonathan discuss the prices of eggs & milk and grocery dates. The market defies more negative news because retail investors continue to step in and “buy the dip.” Retail sentiment is quite remarkable. Since the pandemic, retail investors have never been this bullish on the stock market. Such is amazing, given that their mailboxes are not being stuffed with government stimulus checks. Lance and Jonathan discuss FOMO investing trends from the stock market’s fear of missing out, a look at the best stocks for FOMO investors, and how to avoid investment FOMO; a look at market bubbles and investor psychology, and we also cover questions we didn’t get to on last Saturday’s Candid

Check out this important financial tip for super savers! 🤑💰 Make sure you’re aware of where your contributions are coming from. #FinancialAdvice #SavingsTips

Watch the entire show here: https://cstu.io/3fc979

YouTube channel = @ TheRealInvestmentShow

Want to create retirement paycheck? Richard Rosso & Danny Ratliff serve up their first Candid Coffee episode for 2025 with tips, tidbits, and Danny’s new theme park adventure site, "Rattland."
They’ll also cover Retirement income strategies, how to generate income in retirement, and the best retirement investment options; plus Passive income for retirees and Retirement planning tips 2025.
And they answer a LOT of questions.

1:05 – How to create a retirement paycheck (Wilson on Tool Time revealed), and the problem of listening to bad advice.
What to do with an annuity? Annuities are sold, not planned for.
Understanding what income you need
The Retirement Smile
Revisit your plan annually
Thoughts on Mortgage/no Mortgage?
Cashflow is the life-blood of retirement.
The FED is not going to be

Sunday’s Super Bowl LIX delivered a lickin’ to Kansas City at the hands of Philadelphia; what does the "Super Bowl Indicator" portend for markets (and does it really matter) Lance Roberts examines the veracity of the Super Bowl Indicator and other Stock market predictions, Financial market trends, Investment strategies, and Economic indicators. We also address the threatened Trump Tariffs next on Aluminum & Steel: more sticks & carrots? Lance recaps his visit to Vancouver and assessment of Canadian healthcare, UK healthcare, and the level and accessibility of healthcare in the US. Commentary on Media bias and the importance for investors to recognize it as such, and not be misled. The issue of employment reports & revisions thereof; Lance’s flight to Vancouver (not being deported); will

📈 Don’t underestimate the resilience of tech giants like Apple and Microsoft! 🚀 Long-term predictions can be tricky! #TechIndustry #StockMarket

Watch the entire show here: https://cstu.io/41fdc2

YouTube channel = @ TheRealInvestmentShow

Supply and demand drive inflation, but slowing economic growth is the solution. An interesting conundrum! #EconomyTalks #Inflation #SupplyDemand

Watch the entire show here: https://cstu.io/dd3cf6

YouTube channel = @ TheRealInvestmentShow

Ever wonder why certain markets suddenly surge? 📈 Rotations happen fast in the financial world! 💰 Stay on top of your portfolio and risk management! #FinanceTips #MarketInsights 🌐💼

Watch the entire show here: https://cstu.io/d9c943

YouTube channel = @ TheRealInvestmentShow

TIring of overconsumption and desirous of paying off debt, more and more Americans are participating in the "no buy 2025" trend to reduce spending. Rich and Jonathan discuss strategies for improving household budgets, Money Saving Tips and Frugal Living Hacks, with Financial Discipline Strategies and Spending Freeze Guidance, plus tax traps to avoid as a result of the Social Security Fairness Act, and the challenges from inherited IRA’s.

Hosted by 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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REGISTER FOR OUR NEXT CANDID COFFEE (2/8/25) HERE:
https://realinvestmentadvice.com/resources/events/retirement-income/
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Articles mentioned in this report:
"Tariffs Roil

Emotional trading leads to mistakes & selling bottoms. Turn off, let the market digest. Don’t follow the herd. Timing is key. #StockMarketTips

Watch the entire show here: https://cstu.io/9193b9

YouTube channel = @ TheRealInvestmentShow

Markets remain in a bullish trend for the moment, despite disappointing economic news in the Trade Deficit and the ISM Services Index. Improving relative strength is also providing lift for the market. Technically, everything is fine despite disappointing news from AMD, Google, and others. Money flows continue to creep upward with continued buying. Lance and Michael spend the remaining segments of the show discussing money, currencies, and concepts of money supply management: All money is lent into existence. The Federal Reserve or the government does not print money. Those two facts are vital to understanding our lead question: where does money come from? Furthermore, knowing who does and doesn’t print money and the incentives and disincentives that change the money supply are critical

Stay disciplined with your stop loss levels! Don’t fall into the trap of constantly waiting for the price to go back up before selling. Approach trading with a different mindset. 💪 #TradingTips #Discipline

Watch the entire show here: https://cstu.io/354a00

YouTube channel = @ TheRealInvestmentShow

Markets are recovering from tariff troubles on Monday; a brief history of Trump’s past trade wars & results; Google’s earnings miss & correction; earnings have been okay, but epectations are slipping. The China Trade War retaliation begins; it’s all about posturing. Markets rally from Monday; if you’re worried about the volatility, there’s too much risk in your portfolio. Lance razzes Danny "Bulldog" Ratliff about his absenteeism and polo shirt choices. Lance reviews market performance during Trump’s trade wars 2017-2019 (charts); looking for more volatility this year. Beware Financial Media headlines; what the Bond Market is saying about Trump 2.0; commentary on volatility spikes, and buying opportunities. Ignore the Media hype; what is the Bond market saying about Trump’s second term?