THE TRUTH ABOUT YOUR FUTURE with Ric Edelman
Ric Edelman is the nation’s most acclaimed financial advisor, the #1 New York Times bestselling author of 11 books on personal finance with more than one million copies in print in seven languages, and founder of the nation’s largest financial planning firm, ranked #1 for quality by Consumer Reports. Every weekday, Ric gives you the information you need about the five personal finance topics that matter most today: longevity, retirement security, exponential technologies, digital assets, and health & wellness. Using his trademark humor and unique delivery, Ric makes complex topics easy to understand – as only he can! Ric was ranked three times as the nation’s #1 Independent Financial Advisor by Barron’s, and he’s in both Research Magazine’s and Barron’s Financial Advisor Halls of Fame. He’s also recipient of IARFC’s Lifetime Achievement Award. Investment Advisor, RIABiz and InvestmentNews all named him one of the most influential people in the investment management profession – and he’s been named seven times by TALKERS as one of the HEAVY HUNDRED – the 100 most important radio talk show hosts in the country! Tune in to Ric’s show every weekday for the knowledge you need to achieve financial success! For more information, visit www.thetayf.com
Episodes
September 19, 2024 • 10 mins
An interior designer specializing in college dorms, highlights a trend where students now spend an average of $10,000 on dorm furnishings—more than their tuition. This lavish spending contrasts sharply with the rising rates of grade inflation, where students achieve higher GPAs while studying less. The phenomenon raises concerns about entitlement in education and the potential long-term impacts on innovation and workforce readiness...
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September 18, 2024 • 16 mins
In the run-up to the 2024 elections, I find myself undecided due to troubling aspects of both Donald Trump's associations and Kamala Harris's proposed economic policies. Trump's ties to controversial figures and Harris's potentially destructive tax plans on unrealized capital gains have left me questioning both candidates' suitability. As I grapple with these issues, I seek your input to help resolve my uncertainty and help us all ...
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September 17, 2024 • 9 mins
Since 2000, there has been a significant rise in deaths and serious illnesses related to high blood pressure and obesity, affecting even younger people. But there is a growing shift towards healthier lifestyles, including reduced alcohol consumption and an increase in the popularity of non-alcoholic beer. Adopting a healthy lifestyle, including regular exercise, a good diet, and strong relationships, can significantly extend both l...
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September 16, 2024 • 18 mins
Stablecoins like Tether and Circle are providing a stable alternative to traditional investments, offering a secure way to store value and facilitate global transactions. As Wyoming prepares to launch its own stablecoin and discussions around Central Bank Digital Currencies (CBDCs) grow, the crypto landscape continues to evolve rapidly, despite Bitcoin’s recent price stagnation. Plus, Franklin Templeton and BlackRock are transformi...
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September 13, 2024 • 53 mins
The traditional 4% withdrawal rate from your investment savings may not last your lifetime, as you may be living to 100 or beyond. Plus, Ric discusses a variety of topics helpful to financial advisors with two leaders in the field. And Ric explains Donor-Advised Funds and endowments to a listener.
#IdealClientProfile #ClientFocus #FinancialPlanning #InvestmentStrategy #ClientRelationships #TrustManagement #FinancialComplexity #Ass...
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September 12, 2024 • 8 mins
The use of digital twins is now impacting every aspect of our daily lives. How does that impact you? And Ric explains the math behind the decision whether to get (and keep) Long Term Care insurance.
#DigitalTwins #TechInnovation #FutureOfHealthcare #PersonalizedMedicine #AIInMedicine #ClimateModeling #FinancialRisk #DigitalTransformation #SpaceTech #CyberTech #FinancialPlanning #LTCInsurance #EstatePlanning #RetirementSavings #Weal...
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September 11, 2024 • 14 mins
There just may be a silver lining in the nation's rising insurance premiums, plus last night's presidential debate may do little to influence the decisions of uncommitted voters. And don't miss today's webinar at 1:00pm EDT on the impact of an expected reduction in interest rates.
#DebateNight #KamalaHarrisPerformance #TrumpDebate #Election2024 #DebateRecap #PoliticalAnalysis #UndecidedVoters #ElectionImpact #CampaignTrail #Presid...
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September 10, 2024 • 15 mins
Countries around the world are addressing low birth rates through innovative measures, such as recruiting immigrant housekeepers and importing students to fill school seats, while in the U.S., increasing parenting stress and financial burdens are contributing to historically low fertility rates and fewer grandparents. Plus, a listener's question about the SEC's monitoring and enforcement of fiduciary standards for financial advisor...
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September 9, 2024 • 25 mins
Ric addresses a variety of listener questions about the world of cryptocurrency, focusing on the differences between ETPs, ETFs, and trusts, as well as the tax implications of these investment vehicles. He offers advice on whether to invest in Ethereum futures ETFs or switch to spot ETFs. Ric also discusses the impact of the SEC vs. Ripple court ruling and its muted reaction in the crypto community. Other topics covered include law...
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September 6, 2024 • 22 mins
Ric discusses two important ETFs to consider for both large and small-cap stocks through options in the S&P 500 or NASDAQ 100. This includes a detailed explanation of how to evaluate a company's performance and ROI...before you invest. Plus, Ric answers a listener's question about the relationship of blockchain technology to AI and its role in data verification.
#InvestingTips #StockMarket #LongTermGrowth #Diversification #Financia...
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September 5, 2024 • 10 mins
Over 500 colleges in the U.S. have closed in the past decade--many abruptly--stranding many students now struggling to continue their education. Financial transparency in higher education remains limited, and smaller, rural liberal arts colleges are particularly vulnerable to closure. Ric's tips on avoiding this dilemma for your college student.
#CollegeClosures #HigherEducation #UniversityShutdowns #DecliningEnrollment #COVID19Im...
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September 4, 2024 • 17 mins
While Donald Trump has stated his views on crypto, Kamala Harris remains silent. Ric explains recent legal action by the SEC and how it may reveal her likely position.
#CryptoPolitics #Election2024 #CryptoRegulation #KamalaHarris #DonaldTrump #Economy #Bitcoin #Blockchain #VoterIssues #OpenSea #SEC #DigitalAssets #CryptoCommunity #NFTs #SingleIssueVoter #PolicyDebate
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September 3, 2024 • 11 mins
Choosing between Trump and Harris...do you prioritize personality or policy? Ric looks at the impact on your financial future and the economy as a whole.
Hashtags:
#Election2024 #PresidentialElection #Politics #VoterDecision #PolicyOverPersonality #USPolitics #Trump2024 #Harris2024 #EconomicPolicy #VotingMatters
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August 29, 2024 • 11 mins
Mutual funds may have been great in the past, but it's time to move on—ETFs offer lower costs, better tax efficiency, and real-time pricing. If you're still holding mutual funds, ask yourself why. Plus, age shouldn't dictate your investment strategy—at 69, staying in the market could be crucial for your financial future. If you're told otherwise, it's time to rethink your advice source.
#ETFs #MutualFunds #Investing #FinancialAdvic...
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August 28, 2024 • 9 mins
Despite political division on crypto, developments like BRICS' digital payment system, U.S. government adoption, and rising institutional interest underscore the growing significance of blockchain and digital assets in global finance. And why you need to talk to your financial advisor about it.
#Cryptocurrency #Blockchain #DigitalAssets #BitcoinETF #CryptoRegulation #FinancialPlanning #BRICS #BlockchainTechnology #USGovernment #Cry...
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August 27, 2024 • 11 mins
A new study reveals that nearly a quarter of bachelor’s degrees and half of master’s degrees have a negative ROI, challenging the assumption that college always pays off. Plus, Ric answers a question from a financial advisor about the lack of regulations governing stablecoins like Tether and USDC, which heightens the risk of a financial crisis without proper oversight and transparency.
#HigherEducation #CollegeROI #StudentDebt #Edu...
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August 26, 2024 • 11 mins
Retirement is approaching for Generation X, raising crucial questions about future living arrangements and financial readiness. This episode challenges you to think ahead and make informed decisions that align with your family's needs and your own long-term security.
#RetirementPlanning #GenX #FutureHousing #AgingInPlace #FamilyDecisions #Boomers #ElderCare #HomeOwnership #FinancialWellness #RealEstate
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August 23, 2024 • 59 mins
In this election season, Social Security should be a key topic of debate due to its impending funding crisis, which could lead to a 25% reduction in benefits by 2032. Then Ric and industry experts discuss the challenges of organic growth for financial advisors, noting the shift from individual client acquisition to broader strategies. And Ric answers a listener question, explaining that you can't simultaneously pursue aggressive gr...
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Exponential technologies continue to revolutionize industries, creating new opportunities and challenges. However, the anticipated great wealth transfer won't be enough to secure retirement for most, highlighting the need for proactive financial planning.
#ExponentialTech #3DPrinting #CosmeticSurgery #TechInnovation #FutureTech #WealthTransfer #RetirementPlanning #AI #Blockchain #FinancialAdvice
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August 21, 2024 • 7 mins
When planning your will, don’t forget your pets. Protect them by naming a caregiver and setting aside funds to ensure their well-being after you're gone.
#EstatePlanning #PetCare #WillsAndTrusts #FinancialPlanning #PetTrusts #LegacyPlanning #PetOwners #FamilyPlanning #LegalAdvice #ProtectYourPets
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