by Lance Roberts
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| How do you make every dollar work harder for you? Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications 👉 Subscribe for daily market insights and portfolio strategy updates. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- The latest installment of our new feature, Before the Bell, "Calm Before the Crack? Fragile Markets Keep Rising Anyway,” is here: _kRTrefFWI&list=PLwgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Recession & Bonds: What Happens When the ext Downturn Hits?" is here: &list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.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-PLA -------- 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/ #SavingsStrategy #TaxEfficientInvesting #WealthBuilding #FinancialPlanning #InvestSmart#FinancialPlanning #InvestingAdvice #Investing #Money |
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8-28-25 The “Gamification” of Markets Does Not End Well for Young Investors
2025-08-28
Retail trading as a percentage of total volume is at all time highs; Retail trading of Zero-days-to-expiration Options are 60% of total options volume. We’ve turned the investing market into an entertainment market. This does not end well.
RIA Advisors Chief Investment Strategist, Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
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Sign up for Lance’s newsletter:
https://realinvestmentadvice.com/newsletter/
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➢ Watch Live Mon-Fri, 6a-7a Central on our YouTube Channel:
www.youtube.com/c/TheRealInvestmentShow
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➢ Listen daily on Apple Podcasts:
https://podcasts.apple.com/us/podcast/the-real-investment-show-podcast/id1271435757
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Register for our next RIA Dynamic Learning Series event, "Savvy Medicare Planning," September 18, 2025:
T8-25-25 The Dangers of Margin Debt in Investing
2025-08-25
Buying stocks on margin debt may seem like a great idea when markets are on the rise; but when markets decline, it’s not up to you when margins are called.
RIA Advisors Chief Investment Strategist, Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
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Read the article Rich mentions on our website, and sign up for Lance’s newsletter:
https://realinvestmentadvice.com/newsletter/
——-
➢ 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 Candid Coffee, "Savvy Social Security Planning," August 23, 2025:
https://streamyard.com/watch/pbx9RwqV8cjF
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➢ RIA
8-22-25 Delayed Gratification is the Gateway to Financial Literacy
2025-08-22
How can you enhance the chance for financial success in children?
Teach them to abstain from marshmallows…or develop their sense of delayed gratification.
RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
——-
Read the article Rich mentions on our website, and sign up for Lance’s newsletter:
https://realinvestmentadvice.com/newsletter/
——-
➢ 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 Candid Coffee, "Savvy Social Security Planning," August 23, 2025:
8/22/25 Raising Money-Smart Kids | How to Teach Kids About Money & Saving
2025-08-22
Raising money-smart kids is one of the most valuable lessons you can give them for life. Richard Rosso & Jonathan McCarty break down how to teach kids about money, from saving and budgeting to making smart financial decisions early on.
You’ll learn practical strategies for financial literacy for children, including:
Simple ways to explain money to kids
How to teach kids to save money and set goals
Smart money habits that last a lifetime
Real-world lessons for raising financially responsible kids
Whether you’re a parent, grandparent, or educator, these tips will help you set the foundation for your child’s financial future.
0:19 – Financial Literacy Starts in the Home
6:52 – The Danger of On-line Shopping
9:01 – The Marshmello Experiment on Delayed Gratification
10:39 – The
Annuities Are Not Your Enemy.
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6-28-25 Candid Coffee – Financial Independence
2025-06-30
Lance Roberts & Danny Ratliff host our mid-year review of markets, money, and financial mayhem: How to be a better investor without the tedium of the mainstream media noise.
INTRO/Origins
01:56 – Market Commentary – Markets at All-time Highs. Again.
(Jan 7 "Curb Your Enthusiasm")
Looking for another draw down this Fall – normal
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(Hope & Fear article)
06:00 – What is the goal for buying stocks: Better risk-reward, not lower price
09:00 – Timing the Market & Time Line Horizons
15:00 Commodities Commentary
18:45 Sector Rotation philosophy & risk management
21:20 Strategy for Bitcoin & Gold in RIA Portfolios
26:30 – Bitcoin is a proxy for the stock market & market speculation
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