by Lance Roberts
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| Markets rallied back into positive territory today, but the real risk-management lesson isn’t the chart—it’s behavior. Lance Roberts & Jon Penn unpack the “WD-40 & Duct Tape” framework: WD-40 reduces emotional friction when headlines and volatility try to lock up decision-making, and duct tape is the discipline that keeps your portfolio plan intact (allocation, diversification, rebalancing rules, time horizon, liquidity). We also hit real-life planning topics investors ignore until it’s urgent—pre-nups, trusts, board liability, and why you shouldn’t scrimp on estate planning. Because protecting wealth isn’t just about returns—it’s about structure, documents, and decisions made before stress shows up. 0:00 - INTRO 0:19 - Valentine's PSA & Earnings Recaps 4:25 - Markets Rally Back Into Positive Territory 9:21 - Christmas Lights, Roofers, & Racoons 12:31 - Engagements, WD-40, & Duct Tape 18:35 - Investors Getting Emotional w Markets 26:57 - When Should a Pre-Nup Be Used? 31:57 - Will a Trust Protect One's Assets? 39:27 - Don't Scrimp on Estate Planning 42:58 - Can I Get Sued on a Board of Directors? 45:22 - Updating an Estate Plan Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Articles Mentioned in Today's Show: "Speculative Narrative Unwinds" https://realinvestmentadvice.com/resources/blog/speculative-narrative-unwinds/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Technology Stocks: Dead… or the Next Opportunity?" here: https://youtube.com/live/dkvgydsdn-g?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Signals Melt-up" is here: ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- 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/ #StockMarket #MarketMeltUp #SectorRotation #TechStocks #BitcoinAnalysis #BehavioralFinance #MarketVolatility #PortfolioDiscipline #EstatePlanning #WealthProtection |
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1-6-26 The Most Dangerous Risk Is The One No One Sees
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Markets don’t crash on risks everyone is watching—they’re already priced in and hedged.
In this Short video, Lance Roberts explains why the real danger is an unexpected shock that forces earnings lower and triggers a rapid repricing of valuations.
📺Full episode: -Z7mJI
Catch Lance daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
1-5-26 2026 Market Outlook: Bullish Momentum, Valuation Risks, and What Comes Next
2026-01-05
Markets closed 2025 with strong gains, but the path forward into 2026 is far more nuanced than headline optimism suggests.
Lance Roberts reviews what drove 2025’s market performance, why the Santa Claus Rally failed, and how shifting inflation trends, Federal Reserve policy expectations, and valuation levels are shaping market outlooks for 2026.How can investors navigate the New Year with realistic expectations, disciplined risk management, and diversified positioning, recognizing that returns may come with higher volatility than recent years.
0:00 – INTRO
0:19 – Maduro Impact on Oil; What’s Next for New Year?
4:42 – No Santa Rally!
9:58 – What to Expect in 2026
14:13 – Base Portfolio Management in Terms of a Range of Outcomes
20:02 – The Risk of Disappointment
24:00 – Full Time
11-18-25 Indicators & Income: What Retirees Must Know (Who Can You Trust)?
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Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education:
How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the “decumulation” phase) is so overlooked—yet absolutely critical.
If you’re an “Ole Coot” looking to better understand technical indicators… or a younger “You’t” trying to build financial literacy early… Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money.
#RetirementPlanning #TechnicalAnalysis #RSI #MACD #FinancialEducation
EBITDA And The Warnings Of Charlie Munger
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🔎 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! 🏛️ …
Promised Recession…So Where Is It?
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Over the past three years, the economic conversation has been a “promised recession.” If you read the headlines, tracked economist surveys, or even listened to Wall Street strategists, you would have assumed a downturn was imminent. Many investors, bloggers, and YouTubers have had a “parade of horribles” promising a recession is just on the horizon.The logic was …
10/2/25 Valuations Don’t Matter… Until They Do
2025-10-02
Markets are trading at near all-time record valuations with little fundamental support.
Momentum is currently driving prices across all asset classes, but when earnings reality fails to match lofty expectations, valuations start to matter. And that’s when the music stops.
In this short video, I show why history warns against ignoring valuations and what it means for risk and returns ahead.
Full episode:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
9/26/25 2026 Growth Expectations Are Ahead of Reality
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Wall Street expects a broad earnings rebound (beyond MAG7) in 2026, but the data says otherwise.
In this short video, I discuss why hopes for strong economic growth—without stimulus, with weakening leading indicators, and with the yield curve still inverted—are ahead of reality.
Slowdown Signals: Are Leading Indicators Flashing Red?
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Lately, there’s been a growing sense of confidence among investors that the U.S. economy has dodged the proverbial bullet. Despite a historic rate-hiking cycle by the Federal Reserve, two years of stubborn inflation, and signs of strain in global trade, the dominant Wall Street narrative is now a curious mix of “soft landing,” “no landing,” …
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