Lance Roberts

Lance Roberts

Finally, financial news that makes sense. Lance Roberts, the host of "StreetTalkLive", has a unique ability to bring the complex world of economics, investing and personal financial wealth building to you in simple, easy and informative ways but also makes it entertaining to listen to at the same time.

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Videos by Lance Roberts

4-2-25 Liberation Day – What Does It Mean for You?

Investors are rightfully scared that tariffs announced on Liberation Day will be crippling to the economy and harm corporate earnings. Based on recent comments from Donald Trump, that is a logical concern. However, what if Trump is playing with emotions to make Liberation Day look like a success? If that were the case, he might promise the worst regarding tariffs and underdeliver. In other words, the tariffs announced on Liberation Day may not be as high or far-reaching as expected. If that were the case, the markets would likely stage a relief rally. Accordingly, Trump can take a victory lap, claiming that tariffs are beneficial, as evidenced by the market’s actions.

Will that happen? We don’t know. However, while it’s easy to be bearish given the uncertainty, there are other

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4-1-25 Failure At The 200-DMA – Correction Continues

Investors must remember that we’re coming off two years of exceptional market returns, and that market corrections must be viewed in their proper context…and expected. Lance discusses the positive and negative impact of Mag-7 stocks on markets due to their weighting; meanwhile, the First Quarter has ended with institutional buyers acting in the final minutes of Monday’s trading day, boosting stocks to a less than 1% gain at the close. Markets give signals, but context is needed. Corrections are generally buying opportunities. Lance shares a tale of his wife’s candy stash and an example of her "largesse" in sharing same; plus a spoiler alert fo the 1923 TV series. How should investors act after a correction? So far, there are no signals indicating a shift from bullish to bearish trends.

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3-29-25 Savvy Social Security Planning

Much has been reported and speculated about the recently passed Social Security Fairness Act. In this episode of Candid Coffee, Richard Rosso and Danny Ratliff discuss what the repeal of WEP and GPO mean for you; understanding Social Security Spousal Benefits and survivor benefits; and rethinking retirement planning with an income boost from Social Security. They take a clear-eyed look at the Social Security Fairness Act, Windfall Elimination Provision (WEP) explained, as well as the Government Pension Offset (GPO) vs. Social Security, and how to maximize Social Security benefits with sound Social Security planning strategies.

Hosted by RIA Advisors’ Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Danny Ratliff, CFP
Produced by Brent Clanton, Executive

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3-31-25 Sellable Rally Or “Buy The Dip”?

There are no discernable signs of economic stress…yet, bu tconsumers are concerned about wages and job security. The question begging to be asked: When is the Fed going to step in (Fed purview: Employment and price stability…AND by extension, consumer confidence). How will markets react to Liberation Day (4/2)? Corporate buy backs will resume 3rd week of April. Markets pulled back on Friday (mimicking four similar pull backs last year.) Make no changes just yet; wait for the next market bounce. Can corporations pass along the expense of increased tariffs? When will the Fed act? Goldman is cutting its earnings expectations for 2025, and valuations are beginning to fall. Lance explains the relevance of Consumer Confidence to PCE, which contributes 70% of GDP. A decline in Consumer

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3-26-25 Is the Risk of Recession Rising?

Is the risk of recession rising? Consumer sentiment is flagging following last week’s market correction. Investors cannot dismiss sentiment and money flows. Everything that drives the market gets down to earnings. The next round of earnings reports will commence in a couple of weeks. It appears the Dollar has bottomed, and markets are setting up for a rally short term. Lance and Danny address misinformation about recession vs stagflation; there does not yet appear to be evidence of recession, but markets are pretty good predictors. Lance addresses the hard realities of losses, and the quickest way to solve them is to accept them and move on. No one is going to swoop in and save you. A discussion on investor psychology, telling the truth about what you really want.

3:11 – Is the Risk of

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3-19-25 Recession or Slowdown?

UCLA issues its first "Recession Watch" since the 1950’s as the media hype ramps up ("If it bleeds, it leads.") Fed meeting preview: No rate cut expectations, but comments regarding Quantitative Tightening will be key for markets. Tuesday’s sell off part of the process of markets’ finding a bottom. Bonds continue to provide a hedge against stocks. Lance and Danny discuss Lance’s demise and how to provide important instructions for the family. Is the market correction a foreshadowing of Recession? The CNBC Fed Survey hikes expectations of Recession: Cannot have higher inflation and Recession; slower economic growth results in lower inflation. Reduction of government spending will reduce economic activity. The genesis of the current banking system. Lance discusses bonds and how debt

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3-17-25 Recession Fears Emerge

Markets last week ripped through one of the fastest 10% corrections ever; that’s what happens when markets are over bought. Media headlines whip investors into a frenzy with Recession talk, ignoring the fact that in order for a moving average to remain the average, markets must ebb and flow, above and below, in order to provide the average. The Government is shedding non-essential employees (which begs the question of why they were hired in the first place; Congress passess another Continuing Resolution, which only adds fuel to the government spending fire. Lance recounts his dealings with the DST change and an awkward launch of his Spring Break vacation. A discussion about Recession and what really drives markets: Earnings. The "hard" data and "soft" data in the Economic Composite Inde;

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2-27-25 Nvidia beats. What now?

Earnings season is all but done after last night’s Q4 Report from Nvidia, which beat estimates, but did not inspire markets. The next dynamic to affect markets will be the closing of the buy back window ahead of Q2 Earnings reporting season. Investor behavior and market psychology is as bearish as ever. We’re now seeing risk-off rotation; Lance revisits the effective use of stop-loss settings, and the importance of allowing market activity to mature. Nvidia underwhelms despite beating estimates; this is why fundamentals matter. Could Nvidia become the next "cash cow," a la Apple? RIP, Gene Hackman. Lance and Michael discuss creating liquidity out of debt, and the Fed’s Reverse Repo tool. Recent Fed minutes hint at tweaking liquidity ahead of debt ceiling adjustments. Investor psychology

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2-26-25 How to Avoid an Inheritance Nightmare

Planning ahead has never been so vital to preserving your estate and hat happens to it after you’re gone. Lance and Danny tackle the in’s and out’s of inheritance planning, and examine returning legislation to cut the estate tax in half and loer gift taxes. They’ll expose Inheritance planning mistakes, provide important Estate planning tips that can help you avoid family inheritance disputes; plus, Wills and trusts guidance and financial legacy protection.

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, Senior Financial Advisor Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
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Articles mentioned in this report:
"Estimates By Analysts Have

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2-25-25 Estimates By Analysts Have Gone Parabolic

The Chicago Fed’s National Activity Index falls to -4.3: Looks like the data is catching up ith reality. Excess Savings Metric: Most are in no better financial shape than before the pandemic; implications to companies’ earnings that the bottom 90% are beginning to struggle. Markets challenged the 50-DMA and failed on Monday; likely to be in a corrective phase for a hile. "If I ere President, the first thing I ould do…" Lance and Jonathan solve all problems: Cleaning up D.C. first, and the changes are not going to be ithout pain. Analysts are extremely optimistic in their earnings estimates for 2026; investors should be careful about over-paying for stocks priced based on these estimates. What Valuation really means: Sentiment. The Schiller CAPE Ratio vs Lance’s 5-yar CAPE Ratio (coming

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2-24-25 New Coronavirus Discovery Shakes Markets

Lance has come up with a new business model for a Help Desk subscription service. It works on anything. The problem with margin debt; there’s no appetite for IPO’s. What Wall st. is doing instead. market sell off on Friday more the result of volatility around options expiration than Wuhan Lab news of the second coming of Covid. Don’t expect any reflex rally today to hold. Economic indicators continue to hint at weaknesses; be aware of the content feeding sentiment surveys. There is a Republican and Democrat dynamic to the data and its interpretation. Two expectations feed into term Premium. Coming this week: The second revision to Q4 GDP (as opposed to China’s one-and-done reporting. Or else.) PCE inflation report preview. Will markets ever never focus on Data next-day-ism? (no.) Lance

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2-21-25 When Bears Come Out Of Hibernation – Hour-2

Richard & Jonathan are covering the 7am CST hour for the host of our terrestrial Radio partner; think of it as a bonus show: arkets aren’t Red or Blue, per elections, but Green; learning from mistakes we made curing COVID; deflation and price consciousness; why tariffs will not be inflationary;; consumers will make product substitutions. Why Social Security has become the defactor pension; notes from William Shatner’s "Wrath of Khan" presentation: How to plan for outliving your money. living to 100. How to properly claim Social Security; plan for "break-even." Thinking of Social Security as a longevity annuity. Al Pacino Cappacino and how Taylor Swift dodged a bullet. UnitedHealthcare’s irrecuglar medicare billings; edicare Advantage vs ediGap coverages. Financial Planning & Having Kids;

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2-21-25 When Bears Come Out Of Hibernation

Richard & Jonathan discuss market activity for the week; the price of admission that investors must pay. Consumers (and companies) do not have a lot of pricing power. The European Conundrum: What happens when the US drops Ukraine support? Tariff talk & pressure on small cap companies; why we don’t have to be invested in every asset class (where diversification really came from). Dad pants, Build-a-Bear, leanring to give up some stocks, and a bear market mood. The impact of tariffs and the velocity of Trump agenda. arket trepidation; William Shatner should’ve been hired to pitch Conn’s. Phobias: Ketchup, heights, & Sansabelt pants; more market commentary and planning around Sunset Laws. Dealing w Roth IRA vs Roth 401k rules differences. The flaw in investing to avoid paying taxes (hint:

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2-20-25 Why Bitcoin Will Not Replace The Dollar

The latest Fed Meeting Minutes are out with a bit of insight; Trump’s economic policies appear to be deflationary, as consumer strength is weakening; WalMart and Costco are tempering their forward guidance in anticipation. Palantir CEO is selling LOTS of shares as the Defense Dept. is being pushed by DOGE to cut spending. Market pullbacks may offer investors’ opportunity; markets continue to do well, but there’s a dichotomy between weighted indexes and those with less concentration of Mag-7 stocks. Money flows are still positive, with a surge into the survivors of the SPAC craze phase: More speculative mood. And then there’s the "Alien ETF…" Can the Fed stop QT while debt ceiling is under consideration; the the Fed isn’t saying about driving liquidity by pausing QT. Cane’s vs KFC

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