Category Archive: 9a.) Real Investment Advice
11-12-25 December Rate Cut Back in Play
Soft jobs data and falling rents point to weaker inflation ahead, setting the stage for a potential Fed rate cut in December.
In this short video, I explain why this slowdown may be exactly what the market needs to keep the rally alive.
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11-12-25 A Daily Dose Of Charts & Graphs
In this short video, I cover the return of risk appetite, falling rents signaling disinflation, and the $5â$7T AI data-center buildout.
I also touch on $AAPL push into robotics and the massive power and funding needs driving the next tech super-cycle â everything you need in one visual market update.
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11-12-25 How to Spend Without Regret: Strategies for Enjoying Retirement
Most retirement advice focuses on saving and not running out of money â but few talk about how to spend confidently once youâve achieved financial independence.
Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt:
Why itâs okay to enjoy what youâve earned
How to enjoy your wealth without overspending
The emotional side of leaving the âaccumulationâ mindset
Practical withdrawal and income...
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QE Is Coming: The 2008 Roots Of Fed Dominance
Here we go again. The overnight funding markets are showing signs of stress, and the scent of QE is in the air. Per New York Fed President John Williams: Based on recent sustained repo market pressures and other growing signs of reserves moving from abundant to ample, I expect that it will not be long … Continue reading »
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50 Year Mortgages: Pros And Cons
President Trump proposed, with the full support of Federal Housing Director Bill Pulte, that homeowners be allowed to take out 50-year mortgages. The goal is to make housing more affordable, especially for younger generations who lack real estate equity and face high home prices and elevated mortgage rates. Read more about the sad state of …
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11-11-25 A Daily Dose Of Charts & Graphs
In this short video, I cover the record $1.2T in U.S. buybacks, flat profit margins outside tech, and Europeâs lagging data capacity.
I also touch on tightening liquidity, rising debt-fueled AI investment, and echoes of the 1990s boom that point to hidden risks beneath the surface â everything you need in one visual market update.
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An Economic Data Flood Is Coming: Does It Matter?
Buckle Up! With the end of the government shutdown and the return to work of government employees comes a flood of economic data. Below is a list of old economic data that should be released over the coming weeks: The list goes on. But, of more importance is whether or not the markets will care … Continue reading »
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Forward Return And The Importance Of Math
During strongly trending bull markets, investors often overlook the importance of math in predicting forward returns. Such is easy to do when the market just seemingly continues to rise without regard to fundamentals. The current environment is also heavily influenced by the impact of "passive indexing," which has distorted market dynamics as well. However, none …
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One Trillion Dollar Package For Musk If He Delivers
With over 75% support, Tesla shareholders approved Elon Musk's record-breaking, one trillion dollar executive compensation package. The deal is contingent on Musk delivering significant value to shareholders. The package is an all-stock plan structured into 12 tranches. If he meets all the milestones, Musk could receive as many as 423.7 million additional shares, equating to …
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Repo Market: Critical Warning Or Bullish Signal
đ At a Glance đŹ Ask a Question Have a question about the markets, your portfolio, or a topic you'd like us to cover in a future newsletter? đ© Email: [email protected]đŠ Follow & DM on X: @LanceRobertsđ° Subscribe on Substack: @LanceRoberts We read every message and may feature your question in next weekâs issue! đïž …
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11-7-25 Top 3 Financial Guardrails You Should Know
RIA Advisorsâ Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Richard Rosso, CFPÂź, shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. From annuities and debt control to emotional investing and realistic return expectations, these guardrails are designed to keep you on track â no matter what markets do....
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OpenAI Seeks Government Support
Sarah Friar, OpenAI's CFO, spoke at a Wall Street Journal technology conference to update the audience on the potential of AI. While her comments were very optimistic, she noted that OpenAI seeks continued capital inflows, highlighting the lynchpin for AI development. Her quote below, courtesy of Bloomberg, takes traditional bank and industry financing a step …
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âMoney Printingâ By The Fed: Fact Or Fiction?
I recently penned an article on "Money Supply Growth," which elicited a very thoughtful response from Garrett Baldwin via Substack. He argued that labeling Federal Reserve operations as "money printing" is not rhetoric, but rather a reality. He points to Ben Bernankeâs 2010 interview, where Bernanke described how the Fed marks up digital accounts. But …
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11-6-25 The Hidden AI Debt Bubble Nobody’s Talking About
AIâs growth is being fueled by massive hidden debt.
In this short video, Lance Roberts & Michael Lebowitz discuss how companies like $META are using off-balance-sheet SPVs to fund AI infrastructureâcreating risks that could echo the leverage traps of the late 1990s.
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11-6-25 Nvidiaâs Money Loop: Smart Move or Red Flag?
Nvidia just took a $1 billion stake in Nokiaâand Nokia plans to spend that money buying Nvidiaâs own AI chips. Itâs not the first time. Nvidiaâs done similar deals with OpenAI, CoreWeave, and xAI, fueling record demand for its GPUs. But is this smart strategyâor circular financing? Some call it vendor financing, others say itâs round-trippingâa tactic that helped inflate the dot-com bubble two decades ago.
Lance Roberts & Michael Lebowitz...
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Bitcoin Is Off The Leaderboard: Whats Next?
On many recent occasions, we have noted that the market breadth is poor and appears to be worsening. By worsening, we mean that the number of market leaders is declining, and a growing number of stocks, stock factors, sectors, and asset classes are lagging. Currently, the small list of stock factors showing up in SimpleVisorâs …
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11-5-25 Is This Pullback Just The Calm Before The Santa Rally?
$SPY / $QQQ are easing after a strong run since the April low, as more companies $META / $PLTR go unrewarded despite solid earnings, and investors await a potential Supreme Court ruling on tariffs.
In this short video, I explain why this pullback looks like a normal pause before year-end strength and a possible Santa rally.
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Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
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11-5-25 6 Moves You Should Make Now Before RMDs Start
Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if youâre not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy.
Whether youâre approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common...
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Nvidia Deals: Round Tripping Or Vendor Financing?
âNvidia takes a $1 billion stake in Nokiaâ reads a recent CNBC headline. As part of the agreement, Nokia commits to purchasing Nvidiaâs AI chips and computer platforms. Additionally, the companies will collaborate to develop 6G cellular technology. Deals like this are becoming more common in the AI industry. Some view Nvidiaâs recent investment in …
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Tariffs Are On The Docket: Will SCOTUS Upset The Market?
The Supreme Court (SCOTUS) will begin hearing arguments challenging President Trumpâs use of tariffs. Given the market volatility that tariffs have generated over the last six months, the SCOTUS case could prove to be yet another market-moving event. The tariff challengers argue that the administration overstepped its bounds under the 1977 International Emergency Economic Powers …
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