Category Archive: 9a.) Real Investment Advice

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8-5-25 Where Do Millennials Get Financial Advice? | Two Dads on Money Talk Smart Money Moves

2025-08-05

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IIn this episode of Two Dads on Money, Lance Roberts & Jonathan Penn dive into how Millennials find financial advice in today’s digital world. From TikTok influencers to YouTube financial experts, and from Reddit forums to traditional financial planners, where should Millennials really turn for smart money guidance? Lance reviews Monday's Market action, Eurozone vs U.S. economic growth expectations, and Palantir's earnings report. Millennials...

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How to Use Charitable Giving to Reduce Taxes and Maximize Impact

2025-08-05

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2025-08-05

Charitable giving can be a powerful component of your long-term financial plan. With the right strategy, giving can help you support the causes you care about while simultaneously reducing your tax burden and enhancing your legacy. Whether you’re considering a donor-advised fund, establishing a charitable trust, or exploring private foundations, integrating philanthropy into your broader …

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Palantir Thrives On Trump Presidency

2025-08-05

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2025-08-05

Shares of Palantir rose about 20% the day President Trump was elected president. The stock hasn't looked back, more than tripling since election day. Palantir has been a big winner under the Trump administration. This past weekend, the Washington Post highlighted some of the big government contract wins for Palantir as shown below: Palantir's sales …

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8-4-25 Corrections are Better Opportunities for a Better Price

2025-08-04

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Market weakness is not a bad thing. We don't like corrections, but corrections are an opportunity to put capital to work at a better price. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Read the article Lance mentions on our website, sign up for Lance's newsletter: https://realinvestmentadvice.com/newsletter/ ------- ➢ Watch Live Mon-Fri, 6a-7a Central on our YouTube...

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8-4-25 Bull Streak Ends As August Begins

2025-08-04

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The historic stock market bull streak has finally come to an end as August kicks off, raising concerns about seasonal weakness, rising volatility, and technical breakdowns. Lance Roberts breaks down what triggered the reversal, how meme stock speculation is adding risk, and what the August-September period historically means for investors. We’ll analyze key technical indicators on the S&P 500, NASDAQ, and Dow Jones, discuss the latest earnings...

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Bull Streak Ends As August Begins

2025-08-04

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2025-08-04

As the turn of the calendar occurred on Friday, the bull streak for the market since the April lows ended. Such was not unexpected, and the correction has been a topic of discussion in our #DailyMarketCommentary over the last two weeks. To wit: "While the overall backdrop remains bullish, including stable economic growth and earnings, …

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Does Trump Have A Valid Point About Rate Cuts?

2025-08-04

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2025-08-04

President Trump has been incessantly pressuring Jerome Powell to cut rates ever since he took office. To wit, check out Trump's latest post on Truth Social below. The Fed cut rates in late 2024 but stopped when Trump took office. Some claim the pause is political. Conversely, the Fed primarily supports its case with fears …

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Analysts Grow Bullish With Earnings Forecasts

2025-08-02

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2025-08-02

🔎 At a Glance 💬 Ask a Question Have a question about the markets, your portfolio, or a topic you'd like us to cover in a future newsletter? 📩 Email: [email protected]🐦 Follow & DM on X: @LanceRoberts📰 Subscribe on Substack: @LanceRoberts We read every message and may feature your question in next week’s issue! 🏛️ …

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8-1-25 Don’t Let the Point Spread Fool You

2025-08-01

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The financial media started in early with headlines about "sweeping" new tariffs and markets tumbling 485-points...only, consider, with the Dow at 43,832, that's only about 1%. So don't let yourself be swayed by sensationalistic headlines. Hosted by RIA Advisors Senior Financial Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Read the article Lance mentions on our website, sign up for Lance's...

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8-1-25 Herd Mentality Could Be Costing You Big

2025-08-01

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Why do investors so often buy high and sell low? Jonathan Penn & Matt Doyle expose the dangers of herd mentality in the stock market, how FOMO (fear of missing out) drives bad decisions, and what behavioral finance teaches us about avoiding costly investing mistakes. Learn how to recognize crowd behavior—and how to protect your portfolio from emotional traps. Jon & Matt also cover market response to new tariffs, and whether markets will...

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Debasement: What It Is And Isn’t.

2025-08-01

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2025-08-01

Over the past year, financial headlines continue to flood investors with doomsday predictions about the U.S. dollar. Whether it's social media influencers waving "dollar collapse" charts or YouTube personalities warning about debasement, the noise has become deafening. The narrative is seductive: inflation is out of control, the government is printing money, and the dollar is on its last legs.

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GDP Is Meh: The Bullish And Bearish Headlines Are Misleading

2025-08-01

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2025-08-01

The BEA reported that real GDP grew by 3.0% in the second quarter. Such is almost a percent better than the longer run trend growth rate, and is a cause for optimism for some. However, first quarter GDP was -0.5%, well below trend growth, and worthy of pessimism. The problem with being optimistic about the second quarter or pessimistic about the first quarter is that the threat of tariffs and actual tariffs abnormally impacted the data. 

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7-31-25 How High Interest Rates Impact the Housing Market

2025-07-31

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He housing market is like a pyramid: Younger buyers purchase homes from the generation ahead of them so those buyers can move up. Higher rates are making those houses unaffordable and the pyramid ceases to work. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA. Produced by Brent Clanton, Executive Producer ------- Read the article Lance mentions on our website, sign up for Lance's...

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7-31-25 The Fed Holds Firm

2025-07-31

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The Federal Reserve holds interest rates steady in its latest policy meeting, signaling a firm stance amid inflation concerns, and despite unchecked market bullishness. Lance Roberts & Michael Lebowitz break down what the Fed's decision means for investors, the economy, and your portfolio. AI datacenter buildouts are showing up in economic data...but, the 3% GDP print has a more dire undertone: Strip out the build outs, and the economy is...

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Dissent In The Fed Ranks

2025-07-31

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2025-07-31

December 2024 marked the second-to-last time there was a dissent by an FOMC voting member. The dissent, at the time, was a sole vote by Jefferey Schmid against cutting rates. The last dissent was yesterday. While the Fed voted to maintain the Fed Funds rate at 4.25-4.50%, Michelle Bowman and Christopher Wallace cast dissenting votes in favor of reducing rates.

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7-30-25 How to Effectively Hedge Against Inflation

2025-07-30

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IIt's a mega-earnings report day, and a Fed Meeting day, to boot; the notion among some investors that 20% returns are normal is scary. The Fed is expected to hold steady on interest rates, but there is dissention in the ranks of Fed Governors. Inflation erodes your purchasing power—are you prepared? Lance Roberts & Danny Ratliff break down smart strategies to hedge against inflation and protect your wealth. Lance and Danny commiserate on kids...

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A Ponzi Scheme: The Graph Driving MicroStrategy And Others

2025-07-30

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2025-07-30

The graph below, from Michael Green (@profplum99), is the best way to show the logic that drives a Ponzi scheme in Bitcoin. The Ponzi scheme graph illustrates that there is a robust correlation between changes in the amount of Bitcoin held in funds (ETFs) and the price change. Simply, as new capital is used to …

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The High Beta Melt Up: Echoes Of 1999

2025-07-30

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2025-07-30

In our recent article, "The Magnificent Seven Are Mediocre," we pondered whether the stock market is entering a melt-up phase, where investors driven by extreme speculative behavior and hopes for exponential returns favor volatile stocks with high betas. To be clear, we do not know whether we are in a melt-up phase. The market could …

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There Will Always Be a Need for Human Connection Even With AI

2025-07-29

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While AI may replace some jobs, it’s important to remember that certain roles will always require the human touch—no matter how advanced technology becomes. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- ➢ Watch Live Mon-Fri, 6a-7a Central on our YouTube Channel: www.youtube.com/c/TheRealInvestmentShow ➢ Listen daily on Apple Podcasts:...

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7-29-25 Two Dads on Money: Grit, Grind, & Glam

2025-07-29

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Markets continue their bullish trend; Infrastructure build-out for AI is beginning to show up in data. Money flows return to US markets. Lance shares the bet he has with his dog; Lance & Jon share their "Two Dads" wisdom for fresh college grads' job searched & career choices, and offer three pillars for success: ○ Grit: Passion + perseverance. Stick through setbacks, stay committed, believe effort matters more than innate...

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