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
February 27, 2026 • 61 mins
JMo is back! Motley Fool Senior Analyst, Jason Moser, joins Ricky Mulvey and Malcolm Ethridge to discuss what's actually happening in the AI selloff, and what's just noise.
They discuss
The companies that AI will not disrupt.
If the Citrini Research AI doom scenario, causing a market sell-off, is marketing or reality.
Jason’s thoughts on PayPal and Axon.
Malcolm’s theory on trading bots driving swings in the market.
The st...
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February 24, 2026 • 57 mins
Blue Owl Capital just froze quarterly withdrawals from its private credit fund, and retail investors can't access their money. We explain why this isn't just a Blue Owl problem and why you want to know if you own private credit funds.
Malcolm Ethridge and Ricky Mulvey discuss:
- The private credit crisis, and why your portfolio might have more AI exposure than you think.
- Stocks we are buying.
- Age limits for Congress, an...
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February 17, 2026 • 56 mins
The AI selloff is building momentum, and investors are moving to safety. Is it time to become a contrarian? Plus, Ricky reveals Jeffrey Epstein's brokerage statements. They break down his biggest mistakes: $300,000 in Yahoo, terrible options trades, and swing trading that lost money during a bull market.
(0:00) - Intro
(2:44) - The cybersecurity stock that can thrive as AI-agents spread.
(12:59) - Epstein’s swing trading habit...
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February 10, 2026 • 60 mins
Why is SpaceX adding an AI company (that Elon Musk also owns)?
Ricky Mulvey and Malcolm Ethridge discuss:
- Why Warner Bros. Discovery could earn Netflix’s stock a “conglomerate discount”, and why Ricky changed his mind on the stock.
- Malcolm breaks down why OpenAI’s relationship with Nvidia could be falling apart.
- SpaceX preparing for a massive IPO and bringing xAI along for the ride.
- How Brian Niccol is already turn...
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February 3, 2026 • 53 mins
Scott Galloway is calling for Americans to “Resist and Unsubscribe,” canceling big tech subscriptions. The call is for cancellations including Amazon Prime, Netflix, ChatGPT, and Apple services. The hope is that it will lead to political change. But will it work? And what happens if it does?
Malcolm Ethridge and Ricky Mulvey discuss:
- Why Microsoft dropped 12% despite solid earnings.
- The economics (and problems) of boyco...
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January 27, 2026 • 56 mins
America did not make more friends at the World Economic Forum. And while stories about Greenland and tariffs flare up, the ground may be shifting as more central banks buy up gold.
Ricky Mulvey and Malcolm Ethridge discuss:
- Why Malcolm is purchasing the stocks of big banks and ServiceNow.
- If purchasing Warner Bros. is a good idea for Netflix.
- What the World Economic Forum revealed about the macroeconomy.
- Ballin...
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January 20, 2026 • 48 mins
Elon Musk just told a podcast audience they don't need to save for retirement because AI will provide universal high income. Meanwhile, someone placed a $74 million options bet on Taiwan Semiconductor right before a major tariff announcement. And Trump's proposing a 10% credit card interest rate cap with bipartisan support from Bernie Sanders and Josh Hawley.
Sheesh, there's a lot going on.
Malcolm Ethridge and Ricky Mulvey discu...
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January 13, 2026 • 50 mins
What stories are going to drive the economy and the market this year?
Malcolm Ethridge and Ricky Mulvey discuss:
- De-dollarization: Why central banks are buying gold and what it means for the U.S. dollar's reserve currency status.
- AI profitability: Do AI projects need to start generating cash in 2026?
- A Recession-proof investing myth: Why alcohol stocks aren't the defensive play they used to be.
- Bitcoin and HODL (H...
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January 6, 2026 • 47 mins
Some financial truisms become common knowledge for good reason. Some deserve to be revisited.
Malcolm Ethridge and Ricky Mulvey discuss:
- If young people should save as much as they can early in their career.
- How investors should think about their “return on effort”.
- The economic rules of home ownership.
- Why job switching doesn’t necessarily pay.
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December 30, 2025 • 48 mins
Data doesn’t always capture what’s happening in the economy.
Malcolm Ethridge and Ricky Mulvey discuss:
- Malcolm’s biggest market worry for 2026.
- How the state of boxing reflects the broader economy.
- Why sugar daddies are spending less.
- Tighter spending showing up at pizza chains.
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December 23, 2025 • 53 mins
John Rotonti is a Portfolio Manager for Bastion Fiduciary where he runs the Bastion Industrial and Infrastructure Portfolio. He joined Ricky Mulvey for a conversation about:
- The housing shortage and how John is approaching it as an investor.
- Finding high-quality companies.
- A less-discussed player in the AI buildout.
- How sustainable share buybacks reward long-term holders.
Host: Ricky Mulvey
Guest: John Rotonti
E...
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December 18, 2025 • 44 mins
When will OpenAI go public? Could it really happen as soon as 2026? What will AI wearables actually look like? And why has the market largely forgotten about Waymo?
Alex Kantrowitz, who writes the Big Technology Substack and hosts the Big Technology podcast, joins Ricky and Malcolm to break it down.
- Alex and Malcolm debate OpenAI going public in 2026.
- They discuss why AI wearables won’t look like your phone.
- Alex explai...
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December 16, 2025 • 47 mins
Instacart is testing different prices for the same basket of goods, sold from the same grocery store and at the same time. Algorithmic pricing is in your grocery cart.
Ricky Mulvey and Malcolm Ethridge discuss:
- Disney allowing its characters on OpenAI’s Sora platform.
- Why Malcolm is losing faith in Oracle’s business.
- Instacart playing with algorithmic pricing on grocery items
- The potential of a one-person unicorn.
...
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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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