by Lance Roberts
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| Do you really need a local financial advisor to manage your money? Geography doesn’t matter anymore when it comes to building wealth and securing your financial future. Lance previews this week's Jackson Hole consortium; what will Jerome Powell Infer? Lance Roberts & Jonathan Penn cover the conundrum of local vs virtual financial advisors; how college students are lured by credit card offers, and the dangers of credit accounts. This leads to a discussion of personal budgeting, and how deceptively easy it is to begin a culture of savings; the "B-word" is Budget; the importance of controlling discretionary spending and leakage of money; Lance shares an example by working with an income of only $50k; the surprising result of pre-tax contributions and their impact on income; 401k's vs Roth; the benefits of speaking with a "coach" about money, i.e., a financial advisor. 0:19 - Jackson Hole Preview - What's the Fed going to do? 6:33 - Negative Divergences are Increasing 8:37 - Local vs Virtual Financial Advisors 12:43 - Do You Need a Financial Advisor? 13:48 - Getting Started So You Can Save & Invest 16:17 - Stay Away from Credit Cards 21:12 - Everything's on a Payment Plan 23:32 - Addressing the "B-word" (Budgeting) 27:22 - What's Your Number? 31:31 - Controlling Your Discretionary Spending 37:39 - Budgeting w $50k 38:39 - 401k's vs Roth's 43:32 - Why Should You Speak With a Financial Advisor? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: -------- Articles mentioned in this report: "Inflation Data Sends Markets To New Highs" https://realinvestmentadvice.com/resources/blog/inflation-data-sends-markets-to-new-highs/ "Excess Bullishness & 10-Rules To Navigate It" https://realinvestmentadvice.com/resources/blog/excess-bullishness-10-rules-to-navigate-it/ ------- The latest installment of our new feature, Before the Bell, "What is Bitcoin Telling Us Now?" is here: http://bit.ly/463MS4b ------- Our previous show is here: "Ten Rules for Navigating Excessive Market Bullishness" &list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BitCoin #JacksonHole #FederalReserve #JeromePowell #MarketCorrection #MarketRisk #FinancialAdvisor #VirtualAdvisor #OnlineFinancialPlanning #InvestingTips #PersonalFinance #InvestingAdvice #Money #Investing |
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Imagine the dilemma of holding a large number of shares of NVDA with a massive unrealized profit. While, on the one hand, you have produced incredible returns, you also have an enormous tax bill once you sell. It appears that very wealthy individuals and some institutions are using a 100-year-old tax code to avoid paying …
7-21-25 Big Questions for Big Tech
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Can the AI boom sustain current valuations, or is a reckoning coming? Lance Roberts examines how AI and Big Tech investing trends are shaping portfolios, whether rising interest rates will derail Tech stock market outlook, and the growing risks of regulation impact on Big Tech from Washington to Brussels. Markets are still flirting with all-time highs. Lance shares the latest Roberts Family Saga, and his Coldplay strategy. Is investor exuberance getting out of hand? Options expiring within 24-hours are at an all-time high: This is not hedging, this is pure betting. Lance discusses anticipated spending for AI, and identifies associated debt as productive (think, Hoover Dam) vs non-productive (entitlements), which is dis-inflationary. Buuy backs are a poor (non-productive) use of capital.
7-18-25 Money Scripts & Credit Scores
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Richard Rosso & Matt Doyle host Rich’s last live Radio-episode* and reveal the reason for Matt’s recent absence from the show. Airport Security parameters; strong start to Earnings Season; references to ’80’s TV sit-coms; market futures, Lance’s charts, the ultimate Death Cross; Richard previews Saturday’s (7/19) Candid Coffee, and the genesis of the partnership with Lance Roberts; understanding Money Scripts; Netflix & streaming services; Gen-Z and Social Media. Rich and Matt discuss the possibilities of Mrs. Roberts’ bakery/coffee shop; Retail Sales report analysis: People are still spending. The Paradox of Thrift, Fed meetings and a brief history of the Federal Reserve Banking System. Rich reviews American Express’ report, debt to income ratios and Money Scripts (Brad Klontz); how
7-17-25 The Magnificent Seven are Mediocre
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Are the Magnificent Seven losing their magic? Lance Roberts and Michael Leobiwtz get the real story behind Magnificent Seven stocks performance and what it means for your investment strategy. As Tech stocks underperform and market concentration risks grow, it’s time to reconsider where market leadership is heading in 2025.
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Why Magnificent Seven returns are slowing
Comparing FAANG vs Magnificent Seven stocks
Risks of stock market concentration
Signs of S&P 500 leadership rotation
Key takeaways for long-term investors
👉 Don’t forget to like, subscribe, and comment below with your thoughts on the Magnificent Seven!
#MagnificentSeven #StockMarketUpdate #TechStocks #MarketOutlook2025 #InvestmentStrategy
7-15-25 Before You Invest, Have an Emergency Fund First
2025-07-15
How can you invest money when you don’t have any? Life happens; be prepared. Have an emergency fund ready to cover life’s little surprises to that you’re not dipping into your investments to pay bills.
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:
https://podcasts.apple.com/us/podcast/the-real-investment-show-podcast/id1271435757
——-
Register for our next live webinar, "Retirement Blueprint Candid Coffee," July 19, 2025:
https://streamyard.com/watch/qaMtj3cydgDQ
——-
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7-14-25 Market Predictions Need Three Things to be Valid
2025-07-14
There need to be three things to quantify any market prediction to make it of any use whatsoever to investors: When? Why? ANd what course of action should be taken. If those three facts are missing, the outlook is useless.
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:
https://podcasts.apple.com/us/podcast/the-real-investment-show-podcast/id1271435757
——-
Register for our next live webinar, "Retirement Blueprint Candid Coffee," July 19, 2025:
https://streamyard.com/watch/qaMtj3cydgDQ
——-
➢ Sign up for the Newsletter:
https://realinvestmentadvice.com/newsletter/
➢
7-9-25 Make Sure You’re Not Too Conservative in Your Allocations
2025-07-09
Yes, you can be too conservative in managing your retirement portfolio…just as you can be too risky. But don’t be so conservative that you hamper your portfolio’s ability to perform. And never wear a suit to a Radio show.
Hosted by RIS Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Danny Ratliff, CFP
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:
https://podcasts.apple.com/us/podcast/the-real-investment-show-podcast/id1271435757
——-
Register for our next live webinar, "Retirement Blueprint Candid Coffee," July 19, 2025:
https://streamyard.com/watch/qaMtj3cydgDQ
——-
➢ Sign up for the Newsletter:
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