Ric Edelman ציבורי
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Ric Edelman is the nation’s most acclaimed financial advisor, the #1 New York Times bestselling author of 10 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 weekend, 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 ...
 
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It's Wednesday, March 22nd. 100 years ago, odds were high that you lived and worked on a farm. That was a 24/7/365 job because, you know, cows and pigs and chickens, they never take the day off. They got to be fed or milked or always cared for and crops always needed tending to every day. The Industrial Revolution gave us the six-day workweek. Sund…
 
It's Tuesday, March 21st. I often talk about tech on this show because our technological innovations are changing the planet. We're growing so accustomed to them that tech innovations are just not getting anybody terribly excited about them anymore. I've deliberately waited a few weeks to bring you today's story because I wanted to make this point.…
 
It's Monday, March 20th. It's the first day of spring. Awesome. Hey, you know, everybody, of course, wants to have a secure financial future, but millions of Americans are setting themselves up for financial failure instead. That's because of their poor judgment, their immature behavior and their bad decisions. And I might well be talking about you…
 
It's Friday, March 17th. Happy Saint Patrick's Day. Aren't you glad I reminded you so you can be sure to wear green? All this week, we've been focusing on how the future is changing, particularly the future of society. If you missed any of these shows, go listen to them. The links are all in the show notes. Today, this is our last segment of this s…
 
It's Thursday, March 16th. All this week, we're focusing on how the future is changing society. Today we're going to talk about another aspect of society that's changing - the changing nature of funerals or more specifically, burials. New York just became the sixth state in the country to allow human composting as a method of burial. ----- Links fr…
 
It's Wednesday, March 15th. All this week we're focusing on how the future is changing, particularly the future of society. Today we're going to talk about another aspect of society that's changing - the role of grandparents. ----- Links from today's show: 3/13 Podcast 3/14 Podcast Global X Aging Population ETF (AGNG) Brought to you by: Global X ET…
 
It's Tuesday, March 14th. All this week, we're focusing on how the future is changing the future of society. Yesterday, I told you how the institution of marriage is changing. Today, we're going to talk about another aspect of society that's changing our attitude about disability. Plus, I'll talk to you about what's going on in the banking world. -…
 
It's Monday, March 13th. Thanks for joining me. This podcast, as you know, is devoted to telling you about the future. And normally that means I'm talking about technological innovation, exponential technology in particular. But these aren't the only reasons that our future is changing. It's not just because of technological innovation. Society its…
 
It's Friday, March 10th. And I want to ask you a question. Does anybody use Bitcoin for anything other than illegal activities? You'd be amazed how many people make that claim that the only purpose of Bitcoin is illicit activity. They use it for drug money or for terrorist financing, or just for outright hacking and thievery. It's nonsense. And I'v…
 
Welcome to the 100th episode of The Truth About Your Future podcast. I've been doing radio for 32 years and in January a year ago, we converted the radio show into this new daily podcast. I'm excited that you're still with me on this journey and I'll now shift from looking backward to the start of this podcast - January of 2022 - to the future, and…
 
It's Wednesday, March 8th. Earlier this week, for a couple of days, I was telling you about the absurdity of the Social Security system, referring to full retirement age, when in fact it has nothing to do with being full at age 66. I said that what the Social Security system needs to do is get rid of the term full. Well, guess what? Four senators h…
 
It's Tuesday, March 7th, and we have a crisis with our Social Security trust fund. You've heard me talk about this an awful lot. I'm going to set that up for you so you understand exactly what the problem is. And then I'm going to tell you a crazy solution. I wonder maybe if it might work. You'll be the judge. ----- Weigh-in on Ric's idea to save S…
 
I want you to define the word 'full' for me. What does full mean? Well, I think you would say that full means full. No more; at capacity; topped out. If I ask for a full glass of water, you're going to pour water in that glass until you can't pour any more water into the glass. Right? Full means full. We're done. Well, unfortunately, that word has …
 
Bitcoin Ordinals: The Newest Crypto Innovation Exclusive interview with crypto tax expert René Chaze Self-Care with Jean Edelman: How To Bring Balance Into Your Busy Life ----- Links from today's show: Self-Care with Jean Edelman Podcast The Certificate in Blockchain and Digital Assets Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subsc…
 
It's Thursday, March 2nd. Today, I'm speaking at the Future of Digital Assets Symposium in Washington, DC. The event is hosted by the Milken Institute in collaboration with UNC and Duke University. My topic is digital innovation and security. It's an invitation only event. Pretty impressive roster of attendees, so I'm excited to be among the speake…
 
Hey, did you know that 22% of us adults now own Bitcoin or other digital assets? 22% of US adults. But it's 43% of adults under the age of 25 who own crypto. Yeah, nearly half of them. So if you're selling a product to the under 25 crowd, you should probably consider including Bitcoin in your business plan. And guess who's doing that? ----- Links f…
 
It's Tuesday, February 28th. When I ask you a question, when should you start to receive your Social Security benefits? All financial advisors pretty much say the same thing. If you're in good health and you can afford to delay, then delay. Even though you're allowed to start receiving Social Security retirement benefits at age 62, you'll be better…
 
Hey, you know what? It's been three months since the FTX blowup. I want to ask you a question. Are you now more interested or less interested in investing in crypto? Amazingly, all the new survey data shows that investors are now more interested in crypto than ever. You must be joking. No, I'm not joking. ----- Links from today's show: FTX Crash: T…
 
Investing in Exponential Technologies – Doing Well By Doing Good Advisors: Learn how to talk about death and loss with grief expert Amy Florian Self-Care with Jean Edelman: Why It’s OK to Take a Nap ----- Links from today's show: Global X Genomics & Biotechnology ETF No Longer Awkward: Communicating with Clients Through the Toughest Times of Life b…
 
It's Thursday, February 23rd, and China has just created a blockchain research center in Beijing. Gotta be kidding me. Yeah. This is the country that in 2021 banned Bitcoin. Now China has established the National Blockchain Technology Innovation Center created by the Chinese Ministry of Science and Technology. ----- Links from today's show: Chinese…
 
A couple of weeks ago I talked with you about how college is becoming free. If you want to hear that bit, the link to it is in today's show notes. Dozens of colleges and universities, as I've told you, are making college free these days for low-income families. A lot of states are now doing that, too, and not just for low-income households, but for…
 
Look, we all know that lots of studies have found that highly processed foods raise the risk that you'll suffer obesity, diabetes, even cancer. Well, now a new study says processed foods also increase your risk of dementia. ----- Links from today's show: New study says eating ultra-processed food might lead to cognitive decline Common viruses may p…
 
It's Friday, February 17th. And today, I want to talk with you about connections. No, not not the touchy feely stuff. And no, not who knows who and who can get stuff done and stuff like that. No, I'm talking literally connections: connectivity--the technical aspect of this, because if you can't connect with the person you're trying to connect with,…
 
It's Thursday, February 16th. We've been talking about scams the past couple of days. Crypto has gotten a lot of criticism lately about scams, even though all the evidence shows you're no more likely to get scammed in crypto than you are in any other asset class. Crooks are crooks. But there's a really interesting story in Forbes - which is the big…
 
It's Wednesday, February 15th. Yesterday, we talked about scams. There's another big scam worth covering, only I don't see many in the media calling it a scam. ----- Links from today's show: WSJ: Six Takeaways From WSJ's Investigation Into the Stock Trades of Government Officials Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe t…
 
It's Tuesday, February 14. Another day, another scam. ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? Follow Ric on social media: Facebook Twitter YouTube Instagram Disclosure page…
 
It's Monday, February 13th. I've got a difficult conversation to have with you today. Difficult because it's a touchy subject and I need to choose my words very carefully. ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcast updates The Truth About Your Future website The Truth About Crypto Have a question for Ric? F…
 
It's Friday, February 10th. We're living in a digital world these days. No surprise there. It means there's a new threat to our way of life. Cyber-attacks. Cyber-attacks are growing in number and size. At the World Economic Forum this year, 39% of companies said they have suffered collateral damage from cyber-attacks. 90% of these companies are con…
 
The past couple of days I've been talking with you about retirement, how to calculate in about 30 seconds how much money you're going to need and what to do when you get laid off in your 50s and 60s and you find yourself getting discriminated against because of ageism. Now, I want to talk with you about a related topic, Social Security. ----- Links…
 
It's Wednesday, February 8th. Yesterday, I talked about the fact that you'll likely need millions of dollars in savings in order to retire in financial comfort. That raised a question from William in Albuquerque. He sent me an email that said the following: "Ric, no one wants to confront age discrimination. I think it's a potentially huge obstacle …
 
Let me ask you this, how much money do you need in order to retire in financial security and comfort? There's a new survey out from Northwestern Mutual. And unfortunately, like so many other surveys in the financial services industry, this one is just downright stupid. They even said so themselves. ----- Links from today's show: Today at 3pm ET: We…
 
Big news from the University of Maryland. It's the latest institution to make college free. Yeah, students from low-income families won't have to pay for tuition or fees. ----- Feb. 7 Webinar Registration How to Prevent College from Ruining Teens' Lives Master Class ----- Brought to you by: Global X ETFs Invesco QQQ Schwab ----- Subscribe to podcas…
 
Tom Emmer, a member of Congress, just issued a tweet and he said, "Crypto is here to stay. I will keep advocating for policies that advance crypto innovation and adoption in the US because crypto is more than a financial investment. It's about restoring liberty and choice to individuals". Wow. That's brand new coming from Tom Emmer. And he's not al…
 
I want to talk with you though, about what's happening with three different companies right now because the news has hit about all three of these companies and they together provide an astonishing theme that I think is really worth talking about. ----- Links from today’s show: Ric on The Julia La Roche Show Webinar: What's Next for Crypto in 2023 B…
 
I've got new data for you on paid caregivers. This data is from 2021 - the most recent available that just got published. 65% of caregivers in 2021 were people who had quit their jobs or got fired because of their caregiving duties. We've got a huge, major supply gap. ----- Today’s sponsors: Global X ETFs Invesco QQQ ----- Subscribe to podcast upda…
 
It's Tuesday, January 31st. Guess what? ETFs have now hit their 30th anniversary. The first exchange traded fund was the Spyder S&P 500 ETF Trust, and for the first time ever, investors could buy and sell the 500 stocks of the S&P 500 in a single trade. Today, that ETF has $370 billion in assets. It's still the largest ETF in the world. ETFs have b…
 
The Truth About Your Future was my book published back in 2017. And in that book I warned you that artificial intelligence would disrupt us in the future. Well, guess what? The future has arrived. Just like I said in my book in 2017, this is both really exciting and really scary. ChatGPT. Have you heard of this? This is a chatbot. ----- Links from …
 
It's Friday, January 27th. No longform interview. Today we will be visited by Jean with her word of the week and a song that's been written about me by Rich MADDOW. But I want to talk with you today about crypto because I made a comment earlier this week on this podcast that has resulted in a lot of head scratching and people wanting to know, Ric, …
 
It's Thursday, January 26th. You know, the world is moving rapidly toward clean technologies, renewable energy, hydrogen fuel cells, electric vehicles. A lot of this is changing the way we power our lives. This is all because governments around the world are demanding that we meet aggressive climate change goals. Most countries are calling for net …
 
Yesterday, I blasted TIAA over their stupid survey that forced people to decide whether 60-year-olds would live to 76, 82 or 88. And then they said the correct answer is 82, when in fact the real answer is that if you're alive in 2030, you'll probably live to age 100 or beyond. If you want to understand why and you missed my podcast yesterday, just…
 
On today's show: Changing Demographics Creating Havoc with Pensions and SS in US and Abroad Why We’re Living Longer – to 100 and Beyond How Advisors Can Win New Business Thanks to the Stupidity of TIAA ----- Links from today’s show: Today's webinar for the Museum of American Finance TIAA Today’s sponsors: Global X ETFs Invesco QQQ Schwab ----- Subs…
 
It's Monday, January 23rd. Tomorrow at noon eastern time, I'm presenting a 90-minute webinar for the Museum of American Finance and the New York Public Library. The webinar's on Financial Planning in the Age of Longevity. The webinar is open to the public and you can register for free in the show notes below. Some 63% of Americans say that inflatio…
 
Don't lose the house of your dreams to hackers and crooks - beware of this scam. What is a DAO and my crypto glossary. "The Wisdom of Ric Edelman," a poem by Mark F. Stone. Watch my 4 free Master Classes today. And Jean's word of the week and her new podcast! Plus, after losing so much money in bonds last year, should you own them in 2023? A chat w…
 
Today I want to talk about experiential technologies - not exponential - experiential. Artificial intelligence, cloud computing, the Metaverse: these breakthrough technologies are helping businesses and consumers function more efficiently. And all of this is going to transform the way we shop, the way we play travel, drive, learn, conduct business,…
 
It's January 18th. Yesterday I told you that real estate prices are going to fall this year by a lot - 10% or 20% or more in some markets. I've gotten a lot of questions asking me why I said that. Well, here's why. It's all about home affordability. You can't buy a house unless you can afford to buy a house. I mean, you might not be able to afford …
 
It's Tuesday, January 17th. Do you remember what I told you to do one year ago? Yeah, you don't remember. But I do. Because I was right. I told you one year ago to get out of bonds. I sure hope you did. The Federal Reserve, as you know, raised interest rates more quickly last year than at any time since the 1980s. And the result was that bonds ende…
 
Today is Friday, January 13. On today's show - The FDA has just approved a new drug called Leqembi. If you have early symptoms of Alzheimer's Disease, it can slow the cognitive decline. However, the cost makes it prohibitive for most people - at $26,000 per year! And to make matters worse, Medicare won't pay for it. This is bad news for the estimat…
 
It's Thursday, January 12th. I'm Ric Edelman. Thanks for joining me on today's podcast, The Truth About Your Future. Today, we're talking about the green economy and the incredible investment opportunities that this is going to be representing. I'm talking about hydrogen, global decarbonization, autonomous and electric vehicles, solar disruptive ma…
 
It's Wednesday, January 11. I talked with you yesterday about Social Security. This is the real crisis that America's retirees are facing. Let me shift the conversation back a few generations to, not today's seniors, but to today's high school students, those who are aspiring to go to college. According to a new survey, 77% of households say colleg…
 
It's Tuesday, January 10. On today's show: the gap between what Social Security was MEANT to provide when it was created and how it's actually being used today. When Social Security was created, there were a lot of workers and not a lot of retirees because life expectancy was so low - we're just not dying at 65 anymore like we are supposed to! Take…
 
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