Episodes

  • 9/26/24: 23% Cut in Social Security Benefits Starts in 2034

    9/26/24: 23% Cut in Social Security Benefits Starts in 2034
    Sep 26 2024
    The Congressional Budget Office now projects that the Social Security Trust Fund will be depleted by 2034, highlighting a critical and ongoing financial challenge. With benefits potentially cut by 23% for retirees, the need for Congress to address the sustainability of Social Security is urgent, particularly as many Americans rely on these benefits for their livelihoods. Plus, a listener's dilemma highlights the need to adapt investment strategies when transitioning from equities to cryptocurrencies, as the extreme volatility of crypto demands a different approach than traditional stock market rules. Hashtags: #SocialSecurity #TrustFund #CBO #RetirementPlanning #EconomicCrisis #BenefitCuts #PayrollTaxes #Congress #Retirees #FinancialFuture #AgingPopulation #SocialSecurityBenefits #PersonalFinance #PolicyChange #DependenceOnSocialSecurity #2034Crisis #Ethereum #CryptoInvesting #StockMarket #InvestmentStrategy #Volatility #Rebalancing #LongTermInvesting #CryptoETF #PatienceInInvesting #PortfolioManagement #SellLow #InvestmentAdvice #WealthBuilding #MarketTrends ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: Social Security Trust Fund: https://www.ssa.gov/policy/trust-funds-summary.html Congressional Budget Office: https://www.cbo.gov/publication/60691 Social Security Administration: http://www.ssa.gov/ Our Spot Ethereum ETFs Toolkit at DACFP.com https://dacfp.com/ethtoolkit/ 10/23 Webinar - How to Factor Longevity into Your Financial Planning: https://www.thetayf.com/pages/october-2024-webinar-how-to-factor-longevity-into-your-financial-planning 9/25 Webinar Replay - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond 9/20 Webinar Replay - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/11 Webinar Replay – Rates are Poised to Drop, Now What?: https://www.thetayf.com/pages/rates-poised-to-drop-now-what Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/ ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/blogs/disclosures/important-disclosures-stone-ridge-longevity-etfs
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    12 mins
  • 9/25/24: The Global Race Toward Digital Money

    9/25/24: The Global Race Toward Digital Money
    Sep 25 2024
    The discussion around Central Bank Digital Currencies (CBDCs) is becoming increasingly contentious in Congress, with some lawmakers opposing government-issued digital currencies while others see their necessity as the global landscape evolves. As countries worldwide advance their CBDC initiatives, the U.S. risks falling behind unless it adapts to this digital financial future. And a preview of today's webinar at 1:00pm EDT on how to invest in stocks that are engaged in the crypto space: Unlocking Alpha in Crypto-Equities and Beyond #CBDC #DigitalDollar #Stablecoins #Congress #FinancialInclusion #GlobalEconomy #DigitalCurrency #CentralBank #IMF #Cashless #Fintech #BankingReform #Innovation #Economics #FutureOfMoney #USPolicy #AIInvesting #Blockchain #CryptoEquities #InvestmentStrategies #Webinar2024 ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: September 16th TAYF episode: Why Stablecoins are the Hottest Thing in Crypto https://www.thetayf.com/blogs/this-weeks-stories/why-stablecoins-are-the-hottest-thing-in-crypto Today's Webinar - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond 9/20 Webinar Replay - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/11 Webinar Replay – Rates are Poised to Drop, Now What?: https://www.thetayf.com/pages/rates-poised-to-drop-now-what Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/ ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/blogs/disclosures/important-disclosures-stone-ridge-longevity-etfs
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    7 mins
  • 9/24/24: An Impact of AI You Might Not Like

    9/24/24: An Impact of AI You Might Not Like
    Sep 24 2024
    AI's rapid advancement is causing significant job cuts across major companies, with UPS, Google, and BlackRock among those impacted, raising concerns that it could automate 300 million full-time jobs globally by the decade's end. Despite potential benefits, over half of Fortune 500 companies view AI as a substantial risk, particularly in media and technology, where fears of competitive disadvantage and operational challenges loom large. And Ric answers a listener question about the future of investing in XT, bitcoin and Ethereum ETFs as a vital next step, building on the success of the iShares Exponential Technologies ETF he launched in 2015, while connecting it to emerging technologies like AI. #AI #JobLoss #Automation #Fortune500 #TechIndustry #Media #JobSecurity #AIConcerns #CorporateRisks #FutureOfWork #Innovation #CostEfficiency #BusinessImpact #WorkplaceChanges #Crypto #Investing #ExponentialTechnologies #AI #ETFs #Blockchain #FinancialMarkets #Innovation #Bitcoin #Ethereum ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: Ric’s bestseller - The Truth About Your Future: https://www.amazon.com/Truth-About-Your-Future-Money/dp/1501163817/ Ric’s bestseller - The Truth About Crypto: https://a.co/d/7PuAkTk iShares exponential technologies ETF symbol XT: https://www.ishares.com/us/products/272532/ishares-exponential-technologies-etf 9/25 Webinar - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond 9/20 Webinar Replay - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/11 Webinar Replay – Rates are Poised to Drop, Now What?: https://www.thetayf.com/pages/rates-poised-to-drop-now-what Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/ ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/blogs/disclosures/important-disclosures-stone-ridge-longevity-etfs
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    10 mins
  • 9/23/24: Why Two AIs are Better than One

    9/23/24: Why Two AIs are Better than One
    Sep 23 2024
    Artificial intelligence is making significant strides, with Microsoft providing ChatGPT-4 to the U.S. government for classified national security use. Researchers are exploring multi-agent systems, where AI teams collaborate autonomously to solve complex problems more effectively. Meanwhile, major tech companies are investing heavily in AI infrastructure while also bringing innovative entertainment experiences like holographic performances of Elvis Presley to live audiences. #AIGovernment #ChatGPT #MultiAgentSystems #MITResearch #CollaborativeAI #TechInnovation #DataProcessing #ChatGPT-4 #ArtificialIntelligence #EnergyConsumption #AmazonAI #ElvisHologram #DigitalEntertainment #AIInvestment #FutureOfAI #MachineLearning ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: ChatGPT-4: https://openAI.com/index/gpt-4/ Aramco: https://www.aramco.com/en/about-us Pophouse: https://www.pophouse.se/ 9/25 Webinar - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond 9/20 Webinar Replay - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/11 Webinar Replay – Rates are Poised to Drop, Now What?: https://www.thetayf.com/pages/rates-poised-to-drop-now-what Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/ ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/blogs/disclosures/important-disclosures-stone-ridge-longevity-etfs
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    8 mins
  • 9/20/24: Losing Your Mind Over a Hot Dog

    9/20/24: Losing Your Mind Over a Hot Dog
    Sep 20 2024
    Ultra-processed foods, like hot dogs and chips, have been linked to an increased risk of dementia and cognitive decline, highlighting the importance of mindful eating. Adopting a healthy lifestyle—focusing on natural foods, exercise, and mental stimulation—can significantly reduce this risk and promote better brain health. Plus, an ETF to create a monthly distribution stream that's designed to age 100. We’ll talk with Nate Conrad, head of LIFEX at Stone Ridge. Disclosures: https://www.thetayf.com/blogs/disclosures/important-disclosures-stone-ridge-longevity-etfs #DementiaAwareness #HealthyEating #UltraProcessedFoods #BrainHealth #NutritionMatters #CognitiveDecline #HealthyLifestyle #FoodForThought #PreventDementia #CleanEating #HealthyChoices #FoodEducation #LongevityRisk #RetirementPlanning #FinancialAdvisors #LifeExpectancy #InnovativeFinance #LIFEXFunds #FutureOfRetirement #WealthManagement #LongevityPlanning #FinancialSecurity ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: LIFEX Longevity Income ETFs: https://www.lifexfunds.com/ LIFEX - Stone Ridge Disclosures: https://www.thetayf.com/blogs/disclosures/important-disclosures-stone-ridge-longevity-etfs Wednesday’s podcast on my election dilemma: https://www.thetayf.com/blogs/this-weeks-stories/so-you-think-you-know-who-i-m-voting-for Edelman Financial Engines: Edelman Financial Engines Today's Webinar - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/25 Webinar - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/ ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/blogs/disclosures/important-disclosures-stone-ridge-longevity-etfs -----
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    30 mins
  • 9/19/24: The $10,000 Dorm Makeover

    9/19/24: The $10,000 Dorm Makeover
    Sep 19 2024
    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. #CollegeDorms #LuxuryLiving #InteriorDesign #StudentSpending #GradeInflation #HigherEducation #EdenBowenMontgomery #DormDecor #TuitionVsDecor #EntitlementCulture #AcademicIntegrity #FutureWorkforce #InnovateOrFade #EducationTrends #MillennialSpending -- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: Yesterday’s podcast on my election dilemma: https://www.thetayf.com/blogs/this-weeks-stories/so-you-think-you-know-who-i-m-voting-for Kamala Harris Official Campaign Website Policy Page: https://www.kamalaharris.com/issues/ Donald Trump Official Campaign Website Policy Page: https://www.donaldjtrump.com/platform 9/20 Webinar - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/25 Webinar - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond 9/11 Webinar Replay – Rates are Poised to Drop, Now What?: https://www.thetayf.com/pages/rates-poised-to-drop-now-what 9/10 Webinar Replay – Bitcod-fund-quickly-rakes-in-245m-right-behind-franklin-templetons-older-offering/ Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/  ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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    11 mins
  • 9/18/24: So You Think You Know Who I’m Voting For?

    9/18/24: So You Think You Know Who I’m Voting For?
    Sep 18 2024
    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 make an informed decision. #Election2024 #UndecidedVoter #DonaldTrump #KamalaHarris #EconomicPolicies #TaxReform #ControversialAssociations #FederalDeficit #CapitalGainsTax #PoliticalAnalysis #VoterFeedback #PresidentialRace #PolicyImpact #PoliticalDebate #VoterConcerns #CandidateIssues #SeekingInput -- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: Kamala Harris Official Campaign Website Policy Page: https://www.kamalaharris.com/issues/ Donald Trump Official Campaign Website Policy Page: https://www.donaldjtrump.com/platform 9/20 Webinar - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/25 Webinar - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond 9/11 Webinar Replay – Rates are Poised to Drop, Now What?: https://www.thetayf.com/pages/rates-poised-to-drop-now-what 9/10 Webinar Replay – Bitcod-fund-quickly-rakes-in-245m-right-behind-franklin-templetons-older-offering/ Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/  ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee -----
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    17 mins
  • 9/17/24: Forget Medicine – This is the Key to Improving Your Health and Quality of Life

    9/17/24: Forget Medicine – This is the Key to Improving Your Health and Quality of Life
    Sep 17 2024
    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 lifespan and health span, with advances in medical technology improving recovery from surgeries like knee and hip replacements. #HealthyLiving #LifestyleChange #ObesityAwareness #HeartHealth #DiabetesPrevention #NonAlcoholicBeer #AthleticBrewing #ExerciseDaily #GoodDiet #NoSmoking #StressManagement #SleepWell #SocialConnections #MedicalAdvances #KneeReplacement #HipReplacement ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: Athletic Brewing: https://athleticbrewing.com/ 9/20 Webinar - Q4 Crypto Outlook: What You Need to Know Now: https://dacfp.com/events/q4-crypto-outlook-what-you-need-to-know-now 9/25 Webinar - Unlocking Alpha in Crypto-Equities and Beyond: https://dacfp.com/events/unlocking-alpha-in-crypto-equities-and-beyond 9/11 Webinar Replay – Rates are Poised to Drop, Now What?: https://www.thetayf.com/pages/rates-poised-to-drop-now-what 9/10 Webinar Replay – Bitcod-fund-quickly-rakes-in-245m-right-behind-franklin-templetons-older-offering/ Become Certified in Blockchain and Digital Assets: https://dacfp.com/certification/  ----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman ----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee -----
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    9 mins