
The Higher Standard
Welcome to the Higher Standard Podcast, where we give you ultra-premium, unfiltered truth when it comes to building your wealth and curating the lifestyle of your dreams. Your hosts; Chris Naghibi and Saied Omar here to help you distill the immense amount of information and disinformation out there on the interwebs and give you the opportunity to choose a higher standard for yourself. Sit back, relax your mind and get ready for a different kind of podcast where we elevate your baseline with crispy high-resolution audio. This isn't a different standard. It's the higher standard.
Latest episodes

Apr 16, 2024 • 1h 13min
Before You Buy A Property, Recession Warning & The Perfect Wife
The hosts cover property buying tips, recession warnings, and financial literacy. They discuss the challenges of financing properties and negotiating deals. The episode also delves into the importance of financial education in schools and predictions about the US economy. Light-hearted banter and discussions on NCAA championships and listener engagement make for an entertaining listen.

Apr 9, 2024 • 1h 12min
Four Paths To Millions, Lots Of Data & Kashkari Gets It
Years after reading an article on CNBC titled "There are 4 main paths to becoming a millionaire—and this is the easiest one, says money expert" Chris still feels like the salient points are still very much relevant to this day. Chris, Saied and Haroon kick off the show with Rich Corley's 4 paths to becoming a millionaire from his book titled "Rich Habits." ➡️ Episode 224 then pivots to a breakdown of Jerome Powell's love for Neel Kashkari, some fresh perspective on the FOMC's thoughts and methodology on what may happen next and an 800,000 payroll mistake. 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 🏆 Sponsored By Transcend Company:TRANSCEND your goals! With a telehealth physician directed personalized treatment plan you can get a PERSONALIZED PLAN for Peptide Therapy, Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what’s right for you. ✔️ Click the link and start today: http://www.transcendcompany.com/THSP🔗 Resources:There are 4 main paths to becoming a millionaire—and this is the easiest one, says money expert (CNBC)Remarks from Chair Jerome H. Powell at the Macroeconomics and Monetary Policy Conference (Federal Reserve Bank of San Francisco)We now have…Higher for longer back? (Kobeissi Letter via X)The Fed’s preferred inflation measure rises to 2.5% (Kobeissi Letter via X)Philadelphia Fed Admits US Payrolls Overstated By At Least 800,000 (Zero Hedge)Corporate Profits reach new highs & profit margins hover at historic highs (Yahoo! Finance)⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

Apr 2, 2024 • 1h 26min
You Need A Trust, The Fed, Housing & Diddy
Friends, please make sure your financial seat backs and tray tables are in their full upright position because we are about to tell you why you need a trust. Make sure your economic seat belt is securely fastened and all carry-on luggage is stowed underneath the seat in front of you like Diddy sneaking through customs or in the overhead bins like his drug mule.➡️ We are going to dive in to the last Fed meeting, the impact to the rate environment and talk to you about how it impacts you in the near future. Then, even though home prices rose 2.4 times faster than inflation since 1960s, new home prices are now down 20% and THS is here to tell you why. Sponsored By Transcend Company:TRANSCEND your goals! With a telehealth physician directed personalized treatment plan you can get a PERSONALIZED PLAN for Peptide Therapy, Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what’s right for you. Click the link and start today: http://www.transcendcompany.com/THSP Resources:Top takeaways from Jerome Powell’s FOMC press conference (Yahoo! Finance via Instagram)The FED Reserve posts record loss of $114 billion in 2023 (Yahoo! Finance via Instagram)A rush of money has hit US corporate bond markets in 2024 (Mohamed El-Erian via LinkedIn)Average rate for U.S. savings accounts (Chart of the Day via Instagram)Home prices rose 2.4 times faster than inflation since 1960s (CNBC via Instagram)New home prices are now down 20% (Kobeissi Letter via X)Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

Mar 26, 2024 • 1h 37min
The Investment Strategy & Wild NAR Settlement
Learn about a successful investment strategy using low cost index funds, a groundbreaking lawsuit settlement by the National Association of Realtors, the wild stock market led by the Magnificent 7, and insights into the rental housing market from an economist. Plus, humorous discussions on bowel movements, stability in apartment rents, kids' birthday party planning, and personal experiences with skincare and hormone treatments.

Mar 19, 2024 • 1h 19min
The #1 Wealth Killer & Why The Jobs Report Is Broken
Chris, Saied and the spirit of Haroon are back at it and still playing with an updated beta version of the format for "The Higher Standard" podcast. We are trying to hit you right in the face before the intro, before the shenanigans with useful financial literacy. We are still going to get in to current events and our take, but we want to make sure that each and every single one of you find value within each episode. So, please let us know what you think. We start off today's show with the #1 one killer of wealth. Auto debt can be way more deadly to your financial prosperity than you know. In breaking this all down, Chris and Saied share their mistakes along the way. Then they hop on over to a detailed breakdown on why the jobs report is broken and why the numbers you are hearing do not match the reality of the world around you. Sponsored By Transcend Company:TRANSCEND your goals! With a telehealth physician directed personalized treatment plan you can get a PERSONALIZED PLAN for Peptide Therapy, Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what’s right for you. Click the link and start today: http://www.transcendcompany.com/THSP Resources:February jobs report: US economy adds 275,000 jobs, unemployment rate hits 3.9% (Yahoo! Finance)Inside The Most Ridiculous Jobs Report In History: Record 1.2 Million Immigrant Jobs Added In One Month (Zero Hedge)Employment numbers actually fell (The Kobeisissi Letter via X)Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

Mar 12, 2024 • 1h 18min
How To Get A Perfect Credit Score, Inflation & Shelter
Learn how to boost your credit score, dissect inflation metrics, unravel the $34 trillion debt crisis, and delve into housing market uncertainties with humor and insights in this engaging financial podcast.

Mar 5, 2024 • 1h 19min
Hack A Massive Discount On A Mortgage & The Fed Ain't Playing
The boys start the show right off the bat with a commonly asked about mortgage hack that will actually save you a whole lot of money. The problem is that it isn't really something too many people actually do. It requires discipline, planning and making sure your bank applies the payments correctly. The rest of the episode is spent diving in to the Fed and their rate cut paradigm. By all outward measures, the FOMC should take a victory lap in that they have gotten inflation back in line while employment remains strong according to the data. You do know that Chris, Saied and Haroon already don't trust the jobs reports though. Episode 219 of The Higher Standard brings you a lot to think about as far as what may come for the economy and how to plan for your financial future. Also, Chris needs to stop doing drugs, he thinks he can take The Rock. Sponsored By Transcend Company:TRANSCEND your goals! With a telehealth physician directed personalized treatment plan you can get a PERSONALIZED PLAN for Peptide Therapy, Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what’s right for you. Click the link and start today: http://www.transcendcompany.com/THSP Resources:Interest rate cut expectations continue to scale back (Kobeissi Letter via X)Assets: Total Assets: Total Assets Less eliminations from consolidation (St. Louis Fed FRED Economic Data)Fed Minutes show unease over premature cuts (Wall Street Journal)Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

Feb 27, 2024 • 1h 38min
Economic Conspiracy, Trump Sneakers & AI Problems
The boys are off and running with shenanigans from the beginning. Haroon inadvertently opens his energy drink before the show started so he can't entertain you with his usual unnecessary interruptions, but don't worry, he filled his can with water for reasons we still don't fully understand. They spend a good amount of time recapping Jerome Powell's commentary from Jackson Hole, Wyoming which were clearly designed to strike fear in to the markets. One of their favorite economists, Mohamed El-Erian is very concerned that the Fed's actions to date may have 'destroyed the housing market by crushing both supply and demand.' Which was a fantastic segue in to the complete trash nonsense that Zillow is attempting to market. What do you do when home affordability is at an all time low? Rates are rising, home values haven't come down. Well, if you're Zillow, you offer a 1% down payment program to lure in homebuyers so you can sell more leads to Realtors. Sponsored By Transcend Company:TRANSCEND your goals! With a telehealth physician directed personalized treatment plan you can get a PERSONALIZED PLAN for Peptide Therapy, Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what’s right for you. Click the link and start today: http://www.transcendcompany.com/THSP Resources:Japan is no longer the world's third-largest economy as it slips into recession (CNBC)0.3% decline in Q4 GDP (Mohamed A. El-Erian via X)U.S. Layoffs more than double month-over-month to start 2024 (Yahoo Finance)Frigid temperatures chill US retail sales, factory production (Reuters)Investors bought 26% of low-priced US homes that sold in Q4 2023 (The Kobeissi Letter via X)Excess Supply Of Apartment Deliveries Now, But Possible Shortages By 2026 (Forbes)What to know about the debut of Trump's $399 golden, high-top sneakers (NPR)Data Show the Economy Is Booming. Wall Street Thinks Otherwise (The Wall Street Journal)Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

Feb 20, 2024 • 1h 30min
Mountains Of Debt, Influencers Are Fake & Circle Of Trust
From dissecting household debt to unveiling the shady world of TikTok gurus, the podcast dives into financial highs and lows. With a touch of humor, they expose influencers' fake promises and unravel the Airbnb arbitrage scandal. Get ready for insightful advice and laughs!

Feb 13, 2024 • 1h 9min
Jerome Powell Did Community Banks Dirty
In this exhilarating episode 216 of The Higher Standard Podcast, Chris, Saied, and Haroon dive into the the tumultuous tumble of regional bank stocks, led by New York Community Bancorp's dramatic diva moment — cutting dividends and flaunting losses like it's going out of style. But don't let NYCB's solo act fool you; while they're busy singing the blues and getting sued by shareholders for a throwback to their 1997 stock price, Moody’s isn't here for the nostalgia, slapping them with a junk rating faster than you can say "financial meltdown." Meanwhile, Powell plays it cool, promising rate cuts with the enthusiasm of a parent telling their kids they’ll think about getting a puppy. Sponsored By Transcend Company:TRANSCEND your goals! With a telehealth physician directed personalized treatment plan you can get a PERSONALIZED PLAN for Peptide Therapy, Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what’s right for you. Click the link and start today: http://www.transcendcompany.com/THSP Resources:Regional Bank Stocks Fall After New York Community Bancorp Cuts Dividend, Posts Loss (The Wall Street Journal)New York Community Bank’s Problems Look Mostly to Be Its Own (The Wall Street Journal)New York Community Bancorp is sued by shareholders as stock sinks to 1997 level (Reuters)Moody’s Cuts NYCB to Junk, Extending Sharp Decline in Shares (The Wall Street Journal)Powell insists the Fed will move carefully on rate cuts, with probably fewer than the market expects(CNBC)Credit card delinquencies surged in 2023, indicating ‘financial stress,’ New York Fed says (CNBC)Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.