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

Episode #4: How to Graduate College Debt-Free in 4 Years

November 18, 2025 • 39 mins

Hey there! This is the final episode of my special four-part series on college, and honestly, it might be the most important one yet. I'm sharing this with you to celebrate the launch of my 14th book, The Truth About College, hitting stores on December 4th. Today, I'm giving you the strategies you've been waiting for - eight powerful ways to help your teen graduate college in four years, completely debt-free, and on the dean's lis...

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Episode #3: Make This Mistake, and College Will Lead to Your Teen's Ruin

November 11, 2025 • 17 mins

In this third episode of my special college series, I'm going to give you some hard truths that might make you uncomfortable – but they could save your teen's financial future. I start by revealing a shocking statistic: engineering graduates earn $73,000 five years after graduation, while psychology majors earn just $40,000 – yet both degrees cost exactly the same at any given school. This isn't fair, and it's why you need to thin...

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Episode #2: What College is Really All About

November 4, 2025 • 25 mins

Hey there! This is part two of my special podcast series celebrating my new book, "The Truth About College," coming December 4th. Today, I'm taking you on what might be the most important detour we'll make in this entire series. I want to talk to you about something most families completely miss when discussing college: lifestyle and money. Before your teenager even thinks about which school to attend, they need to understand what...

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Episode #1: Why College is Great - But Also Perilous

October 28, 2025 • 51 mins

Hey, Ric Edelman here, and I'm back with something special: a four-episode podcast series about college. After 32 years on the radio and three years as a Top 1% podcast, I couldn't stay away when I realized how many families are struggling with the biggest decision teenagers face today. Here's the reality: College graduates earn nearly a million dollars more over their careers and live seven years longer than non-graduates. But he...

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12/27/24: Ric's Final Podcast: The Most Important Personal Finance Message, Part 3

December 27, 2024 • 49 mins

In his final podcast, Ric discusses the most important topic that will impact the future of personal finance: crypto. He discusses the amazing growth and the factors that will chart the future course of crypto with fellow crypto pioneer Mike Novogratz, Founder and CEO of Galaxy. And Ric reflects on his radio-tv broadcast journey in financial education as he paved the way for advisors to host radio shows across the country. Plus, a ...

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12/26/24: The Most Important Personal Finance Message, Part 2: Investing

December 26, 2024 • 28 mins

The podcast focuses on the importance of adjusting investment strategies due to longer lifespans, highlighting five key subjects: college, real estate, exponential technologies (including AI), and the rising risks of scams. As an example, a listener who lost $1.7 million to a crypto scam and took further action by borrowing money to send to the scammers. #InvestmentStrategy #AgingAndLongevity #RealEstateInvesting #ExponentialTechno...

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12/23/24: The Most Important Personal Finance Message, Part 1: Longevity

December 23, 2024 • 28 mins

As people are living longer and healthier lives thanks to advancements in technology, healthcare, and public policy, it is critical to rethink investment strategies, family dynamics, and wealth distribution is critical. As we approach a future where living to 100 is the norm, longevity is a key factor in managing healthcare costs and embracing reinvention, has never been greater. #Longevity #Aging #Healthcare #InvestmentStrategy #W...

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12/20/24: Euthanasia: The Dominant Social Debate of this Century

December 20, 2024 • 15 mins

The pros and cons of SBA loans for small businesses, as entrepreneurs should first assess if borrowing is the right decision for their business's long-term success. Plus a controversial vote in West Virginia about medically-assisted suicide is one example of the global debate on the complexities and growing relevance of euthanasia. #SBALoans #SmallBusinessGrowth #Entrepreneurship #FinancialAdvice #MedicallyAssistedSuicide #WestVirg...

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12/19/24: Gold!

December 19, 2024 • 18 mins

Gold plays a key role in portfolio diversification, however, buying physical gold involves significant challenges such as storage, security, and commissions, which has led many investors to opt for gold-backed ETFs like GLD, offering convenience, liquidity, and lower costs. Plus, the decision of whether to hold investments like Bitcoin in a taxable account or an IRA depends on tax and risk factors making the choice more complex. #G...

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12/18/24: “What Do You Do?” is Becoming an Inappropriate Question

December 18, 2024 • 6 mins

The question "What do you do?" has long been a standard icebreaker, but for many, especially those facing retirement, career changes, or gig work, it’s a challenging question that doesn’t fully capture who they are. Instead of focusing on a job, the key is to reframe the answer to give new perspective on identity and spark more meaningful conversations. #ReframeYourIdentity #CareerChanges #PersonalFulfillment #HobbiesAndPassions #W...

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12/17/24: How to Diversify Your Crypto Investment

December 17, 2024 • 12 mins

There are a variety of area offering away to diversify in the crypto asset class which includes not only bitcoin but also other cryptocurrencies, crypto companies, crypto funds, and ETFs. And while cancer deaths are declining, the number of cancer cases, particularly among adults under 50, is rising, especially for breast and colorectal cancer. Behavior changes, including unhealthy consumption habits, can prevent up to 40% of cance...

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12/16/24: Good-bye Toothbrush...Hello Microbot

December 16, 2024 • 7 mins

Researchers are pioneering advancements in dental care, including micro-robots that clean teeth, bacteria-based oral transplants, and natural enamel regrowth. These innovations aim to revolutionize oral hygiene, making dental care more efficient, accessible, and effective for everyone. Plus, how to keep in touch with Ric in 2025. #MicroRobots #DentalTech #OralCare #Nanobots #Innovation #OralHygiene #Microbots #ToothImplants #Health...

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12/13/24: Is it Time to Rethink Bonds? These Two ETFs Offer an Answer

December 13, 2024 • 28 mins

As interest rates are heading lower, two ETFs from Invesco are designed to provide strong returns with managed risk exposure. Plus, a conversation with David Cowen, President of the Museum of American Finance, offering insights into preserving U.S. financial history while promoting financial literacy. #ETFs #Invesco #BondMarket #FinancialOpportunities #Investing #IncomeGeneration #GTOETF #EFAAETF #InternationalDiversification #Frid...

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12/12/24: Is Ozempic an Unmentionable?

December 12, 2024 • 20 mins

With the rise of GLP-1 class drugs like Ozempic and Wegovy, is it socially appropriate to comment on someone's noticeable weight loss? Especially when it's attributed to these drugs, and how new medical technologies might influence social norms and personal boundaries. Plus, when considering investing in crypto, the importance of seeking professionals who understand blockchain and digital assets. He recommends searching for advisor...

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12/11/24: The Car Loan Trap

December 11, 2024 • 8 mins

Many car buyers are "underwater" on their auto loans, owing more than their vehicle is worth, which can lead to financial problems when trading in or totaling the car. The trend of longer loan terms and high car prices, especially with electric vehicles like Teslas, is exacerbating the problem, making it crucial to consider long-term affordability when buying a new car or consider a used car. #CarLoans #AutoLoanProblems #Underwater...

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12/10/24: Why Social Security Is Paying for Your Funeral—And Why It Shouldn’t

December 10, 2024 • 10 mins

The Social Security death benefit has been $255 for the last 50 years and a bill in Congress proposes to increase it to $2,900, highlighting the broader financial struggles of the Social Security system. Plus, Ric will be expanding webinars in 2025 and offering a broad array of content on planning, Alzheimer's research and more. #socialsecurity #deathbenefit #governmentwaste #socialsecuritycrisis #BernieSanders #ElizabethWarren #Pe...

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12/9/24: Wedding vs. Marriage

December 9, 2024 • 8 mins

The importance of understanding the difference between the short-term focus on the wedding vs. the long-term considerations of marriage. Plus, the unfixed and unexpected costs of home ownership above the down payment and monthly mortgage. And two important webinars this week. #WeddingVsMarriage #MarriageMatters #WeddingPerspective #LifetimeCommitment #FinancialPriorities #WeddingBudget #MarriageOverWedding #ThinkLongTerm #Emotional...

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12/6/24: New Advances in the Battle Against Alzheimer's

December 6, 2024 • 39 mins

Paper checks remain a popular payment method in the U.S., despite skyrocketing fraud rates and safer digital alternatives like Zelle, PayPal, and Bitcoin. As criminals exploit vulnerabilities like mailbox theft and check washing, it's time to embrace 21st-century payment methods. And Ric discusses the latest in Alzheimer's drug treatments and lower cost blood test with Mark Roithmayr. He's the CEO of the Alzheimer's Drug Discovery ...

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12/5/24: How Even the Youngest of Kids Can Earn Income for a Roth IRA

December 5, 2024 • 12 mins

Hiring your children through complex schemes like family management companies or S-corps isn't necessary to achieve your financial goals. Instead, you can pay your kids for legitimate earned income tasks to fund a Roth IRA in a simple and legally sound way. With major institutions eliminating tuition and AI reducing operational expense college is becoming more affordable than ever, freeing families from overwhelming financial burde...

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12/4/24: Is that College Course Outsourced?

December 4, 2024 • 8 mins

Colleges are increasingly outsourcing programs to third-party companies while maintaining their prestigious branding, raising questions about value and quality, and underqualified instructors. Meanwhile, lawsuits allege financial aid price-fixing by elite universities, further highlighting the disconnect between college costs and the actual needs of employers who prioritize skills over pedigrees. #CollegeScam #EducationReform #Clou...

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THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

Episodes

.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Episode #4: How to Graduate College Debt-Free in 4 Years

.css-r6mb8g{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:1;overflow:hidden;}Episode #3: Make This Mistake, and College Will Lead to Your Teen's Ruin

Episode #2: What College is Really All About

Episode #1: Why College is Great - But Also Perilous

12/27/24: Ric's Final Podcast: The Most Important Personal Finance Message, Part 3

12/26/24: The Most Important Personal Finance Message, Part 2: Investing

12/23/24: The Most Important Personal Finance Message, Part 1: Longevity

12/20/24: Euthanasia: The Dominant Social Debate of this Century

12/19/24: Gold!

12/18/24: “What Do You Do?” is Becoming an Inappropriate Question

12/17/24: How to Diversify Your Crypto Investment

12/16/24: Good-bye Toothbrush...Hello Microbot

12/13/24: Is it Time to Rethink Bonds? These Two ETFs Offer an Answer

12/12/24: ﻿Is Ozempic an Unmentionable?

12/11/24: The Car Loan Trap

12/10/24: Why Social Security Is Paying for Your Funeral—And Why It Shouldn’t

12/9/24: Wedding vs. Marriage

12/6/24: New Advances in the Battle Against Alzheimer's

12/5/24: How Even the Youngest of Kids Can Earn Income for a Roth IRA

12/4/24: Is that College Course Outsourced?

Popular Podcasts

Episode #4: How to Graduate College Debt-Free in 4 Years

Episode #3: Make This Mistake, and College Will Lead to Your Teen's Ruin

12/12/24: Is Ozempic an Unmentionable?