This Time Is Different
Long-form conversations that challenge consensus thinking about markets, money, and the economy. We question the narratives everyone else accepts and welcome contrarian ideas. Hosted by Malcolm Ethridge and Ricky Mulvey
Episodes
December 9, 2025 • 49 mins
More than half of Fortune 100 companies have asked “desk-using employees” to come back to the office five days a week. But office REITs are not roaring back.
Malcolm Ethridge and Ricky Mulvey discuss:
- Crypto’s downturn, and if it represents a “buy the dip” opportunity.
- Meta cutting its metaverse budget.
- The career implications of working from home, and the data on return to office.
We are proud to be in the Airwa...
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December 2, 2025 • 50 mins
Retail investors are selling off risky assets, like Bitcoin, but the big institutional money is sitting tight.
Ricky Mulvey and Malcolm Ethridge discuss:
- The surprising number of high-income earners using Buy Now Pay Later.
- Abercrombie & Fitch as a buyback machine.
- Why retail investors are afraid of the AI trade, but big money is not.
- Nvidia’s potential accounting issues.
Hosts: Malcolm Ethridge, Ricky Mulvey
Enginee...
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November 28, 2025 • 53 mins
AI is propping up the economy. Homes aren’t affordable. You don’t feel like you’re making enough at your job. So what do you do?
Hanna Horvath, CFP®, writes the Substack “Your Brain on Money” and joined Malcolm and Ricky for a conversation about:
- How the definition of being middle class is changing.
- Gen Z’s split preference between socialism and capitalism.
- Building more agency into your financial life.We are proud t...
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November 25, 2025 • 49 mins
Some investors are rooting for a bear market. Are you?
Malcolm Ethridge and Ricky Mulvey discuss:
- Why a blowout Nvidia quarter does not impress investors anymore.
- “The big market delusion” and artificial intelligence.
- Why younger generations are steering away from stocks.
- The growth of private credit funds being sold to retail investors.
Hosts: Ricky Mulvey, Malcolm Ethridge
Engineer: Tim Sparks
We are proud to be i...
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November 18, 2025 • 53 mins
He’s retiring at age 95 as a multi-billionaire. He’s leaving his kids 1% of his fortune. And everyone is hanging on to hear his insight. Warren Buffett is truly living the Baby Boomer Dream.
Malcolm Ethridge and Ricky Mulvey discuss:
- Michael Burry shutting down his hedge fund.
- Warren Buffett’s letter to shareholders and how Buffett has affected them.
- Opendoor as a “cult stock” and the actual business of iBuying homes.
...
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November 13, 2025 • 48 mins
What happens when we put a financial planner and a mixed martial arts betting analyst in conversation?
Cody Saftic is a mixed martial arts betting analyst, the co-host of Bookie Beatdown, and an MMA matchmaker. Cody joined Malcolm and Ricky to discuss:
- Recent fight fixing allegations in the UFC.
- The number one rule of gambling.
- How Cody has seen the interest in sports gambling explode over the past decade.
- What you can do ...
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November 11, 2025 • 48 mins
Why is Sam Altman getting heated about a simple valuation question?
In the first half of the show, Malcolm Ethridge and Ricky Mulvey discuss
- OpenAI CEO Sam Altman’s surprising response to a question about his company’s $1.4 trillion commitments.
- A Big Short against Palantir.
- Where they’re seeing opportunities in Ethereum and Chipotle.
Then, they explore the rise of sports betting and how taking a game-like approach can change...
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November 8, 2025 • 1 min
Long-form conversations that challenge the consensus thinking around markets, the economy, and your money.
Hosted by Malcolm Ethridge and Ricky Mulvey
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November 4, 2025 • 45 mins
The economy is in a weird place. Nvidia added more than $600 billion in market cap in five trading days. Amazon cut 14,000 workers. AI is the reason for both.
Malcolm Ethridge and Ricky Mulvey discuss:
- Why Nvidia’s market cap continues to skyrocket.
- OpenAI’s proposed initial public offering, and why “$60 billion won’t cut it”.
- Some takeaways from big tech earnings.
In the second half of the show, Malcolm and Ricky discuss the...
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October 28, 2025 • 50 mins
Retirement savings are wide open for private equity, and more investors are looking to gold.
Malcolm Ethridge and Ricky Mulvey discuss:
- The FBI breaking up a gambling ring involving NBA players and the mafia.
- OpenAI releasing the Atlas web browser.
- Why more private funds are opening to regular investors.
- What’s behind the massive run-up in the price of gold.
Then, Tim White, the Principal at Cyface Design, which offers ...
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October 22, 2025 • 49 mins
When should you run toward a dumpster fire? When should you stay away?
Ricky Mulvey and Malcolm Ethridge discuss:
- What some investors misunderstand about Oracle's business.
- If Robinhood has a branding problem.
- Investing in companies with visible problems.
Articles discussed:
Oracle's margin questions: https://www.theinformation.com/articles/internal-oracle-data-show-financial-challenge-renting-nvidia-chips
Robinhood profi...
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October 15, 2025 • 41 mins
But that doesn’t mean the bubble will pop soon.
Ricky Mulvey and Malcolm Ethridge kick off their new show, “This Time Is Different”. They discuss:
- What the Shiller PE ratio reveals about the stock market.
- Circular dealmaking among AI companies.
- Why Ricky is putting more of his long-term savings in cash and bonds.
- Peter Lynch’s investing lessons for 2025.
Hosts: Malcolm Ethridge and Ricky Mulvey
Engineer: Mark Lamorgese
...
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June 26, 2024 • 36 mins
In this episode of Tech Money Live, Malcolm chats with special guest, Hanna Horvath, of Bankrate and "Your Brain on Money," to discuss her work as a personal finance writer, and her passion for helping people understand the ways in which their background, social conditioning, and personalities all influence the way they think and handle and talk about money.
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Resources:
@Hanna_Horvat...
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May 22, 2024 • 49 mins
In this episode of Tech Money Live, Malcolm chats with special guest, Ryan Rasmussen, of Bitwise Asset Management to discuss cryptocurrency as an entire asset class beyond Bitcoin. The pair delve into into broader landscape of cryptocurrencies, including the emerging technologies and diverse applications that are shaping the future of finance. While Bitcoin captures headlines as the pioneering digital currency, the crypto industry ...
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May 8, 2024 • 28 mins
In this episode of Tech Money Live, Malcolm lays out a playbook for how to construct an investment portfolio from scratch. Inspired by a recent blog post and feedback received from the Tech Money community, Malcolm walks through his own approach to investing, and also shares plenty of helpful resources for investors at all phases on the journey.
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Resources:
One Up on Wall Street
Stock...
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March 11, 2024 • 58 mins
In this episode, Malcolm Ethridge sits down with Alex Kantrowitz, Founder/CEO of Big Technology to discuss many different topics affecting tech workers, such as whether mass layoffs in tech are finally done, the likelihood that AI actually replaces knowledge workers, as well as Alex’s own journey from working in tech to reporting on it.
Join the Tech Money Community on Microsoft Teams
Resources:
Service Now's People Pact
AI Is St...
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May 17, 2023 • 18 mins
In this episode, Malcolm Ethridge shares the reasons why he believes it’s (almost) always a good idea to take your 401(k) with you whenever you change jobs or retire. He also shares some of the potential pitfalls to be aware of, as well as some helpful insights about a little known option available to those who own substantial shares of their company’s stock inside the plan.
Resources:
Changing Jobs? You May Want to Take Your 40...
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May 10, 2023 • 16 mins
In this episode, Malcolm Ethridge discusses the phenomenon of frugality inertia, and why it keeps retirees from being able to enjoy their retirement. He shares his insights on how it can help to reframe your focus and spend that retirement nest egg on things that will enhance your quality of life, ultimately leading to a happier and healthier version of yourself.
Malcolm Ethridge Discusses:
The common causes of frugality inertia
...
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May 3, 2023 • 44 mins
In recent years, the rise of digital currencies has revolutionized the way we think about money and finance, with more and more individuals and businesses embracing the potential of blockchain technology. However, with this rapid growth has come a significant amount of uncertainty and confusion around the legal and regulatory frameworks that govern this new asset class. And as the crypto industry continues to grow and evolve, the i...
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April 19, 2023 • 52 mins
Investing is a way to grow your money over time, and secure your financial future. When you invest without a clear plan, you're more likely to make decisions based on emotions, rather than logic. You may be tempted to buy a stock because it's the latest hot trend or sell a stock because you're afraid of losing money. However, when you invest with a purpose, you have a plan in place that guides your investment decisions. And thus, y...
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