

The Higher Standard
Chris Naghibi & Saied Omar
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.
Episodes
Mentioned books

Dec 22, 2023 • 1h 21min
Patrick Bet-David's Reverse Market Crash Exposed
As fans of Patrick Bet-David, Chris, Saied and Haroon were getting asked to review his "Reverse Market Crash: The Worst Possible Economic Outcome" video on YouTube. So we thought we would take a stab at watching it for the first time live and giving you our visceral and real reactions to it. It should be no surprise that The Higher Standard boys agree with many of PBD's points; however, they do clearly disagree on some of it. Oh and yeah, we went full clickbait with the thumbnail and title. We blame our marketing department, Haroon. 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/THSPResources:Patrick Bet-David (Wikipedia)Reverse Market Crash: The Worst Possible Economic Outcome (Valuetainment via YouTube)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.

Dec 19, 2023 • 1h 24min
Tumultuous Times Ahead, Haroon On PTO & Uncertainty
Spoiler alert, Haroon is once again out on PTO. Man, The Higher Standard podcast must have some incredible employee benefits. So to honor the unsupervised recording, Chris and Saied elected to go almost entirely off script. No show notes, no structure, just two old friends talking about the economy and their lives. Chris and Saied dive in to what a "soft landing" for the U.S. economy means for you. They hop in to regional bank indexes pivoting past their "contagion period" losses to erase all the damage done by Silicon Valley Bank's collapse. And, the boys go H.A.M. on Janet Yellen who predicted a soft landing for the U.S. economy. This episode was so good that Haroon actually text the boys that he thought it was a really good listen and we all know he hates listening to this show. 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/THSPResources:Economists now predict the U.S. is heading for a soft landing. Here's what that means.. (CBS News)Regional bank indexes just erased all losses since the fall of Silicon Valley Bank (Yahoo! Finance)Janet Yellen on Why She Predicts a Soft Landing for the U.S. Economy (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.

Dec 15, 2023 • 1h 6min
No One Knows What Happens Next & The Two Comma Club
After a brief hiatus, the boys are back and ready for the December 12-13 FOMC meeting results. They already know it's going to be a "pause," but Chris, Saied and Haroon predict what they think will be the rhetoric coming out of the meeting. More likely than not is a rally based on pure market optimism. The boys pivot to a thorough breakdown of the wealth stratification in America today because we have reached an alarming milestone. The top 1% of American earners now own more wealth than the entire middle class. Lastly, they round out the show with a discussion regarding the housing market and what lower rates could do to the economy while Larry Summers issues a sharp warning for the real estate entrepreneur bros. 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/THSPResources:A 'severe recession' may be coming in 2024 as the stock market, job market flash warning signs, strategist says(Business Insider) The top 1% of American earners now own more wealth than the entire middle class (USA Today) Homebuyer conundrum: If mortgage rates fall, bidding wars will follow, expert says (Yahoo! Finance) Home prices will fall for the first time since 2012, Redfin’s chief economist predicts. Here’s why they will still be ‘out of reach’ for many buyers (Fortune) Here's Where Mortgage Rates and Home Prices Are Heading, According to Zillow and Redfin (Money) Bank of America CEO Brian Moynihan says YOLO spenders aren’t wrung out just yet: They’re ‘in pretty decent shape’ (Fortune) The Fed will spark a 'seismic moment' if it cuts rates, and should wait for overwhelming evidence the economy is slowing, Larry Summers says (Business Insider) How many times will the Fed cut rates? Here's what Wall Street expects for the key stock-market driver in 2024 (Business Insider) 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.

Dec 12, 2023 • 1h 12min
Jordan Franks | From Football To Finance
Jordan Franks is a fan of The Higher Standard having heard about it from the one and only Mind Pump! Having a huge personal interest in finance and building wealth has helped this former professional football player pivot to post football life with a zeal toward building his next chapter with the same discipline and commitment. After an impressive college football career at Jordan played in the National Football League (NFL) for the Cincinnati Bengals and Cleveland Browns. He capped his career by winning Super Bowl LVII as a member of the Kansas City Chiefs in 2022 just before his retirement. It's a fascinating episode with an inside look at how he plans to build wealthy moving forward, how NFL athletes are paid and his thoughts on the economy. 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/THSPJordan's Links:Personal Training Website InstagramLinkedInWikipediaDisclaimer: 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.

Dec 5, 2023 • 1h 8min
Inflation Doesn't Solve All Problems & RIP Charlie Munger
Chris, Saied and Haroon are back and trying to read the economic tea leaves to help us all figure out what may or may not happen next. Inflation cooled in October, but that doesn’t mean we have officially “beaten it.” But, even the Fed’s Waller is out sounding confident that we have. There has been a strong pull back in consumer spending, which the boys think is really good news for the battle against inflation. The cost-of-living squeeze isn’t getting much better though. Don’t forget that inflation dropping to the target of 2% still means things are getting slowly more expensive. Even though all this is happening, cash hoarding investors are ready to invest in the market when the time is right. Lastly, the great Charlie Munger has left us and the boy are slightly devastated in their own, special comedic way. May he rest in peace. 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/THSPResources:Inflation continued to cool in October (Yahoo! Finance via Instagram)Just How Bad Is the US Cost-of-Living Squeeze? We Did the Math (Bloomberg)Consumers Pulled Back on Spending, Inflation Eased in October (Wall Street Journal)Median New vs. Existing Home Sale Price (Kobeissi Letter via X)Fed’s Waller expresses confidence that policy is in the right place to bring down inflation (CNBC)Investors Are Hungry for Risk—and Holding Record Cash Sums (Wall Street Journal)Charlie Munger, Who Helped Buffett Build Berkshire, Dies at 99 (Bloomberg)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.

Dec 1, 2023 • 1h 8min
The Current State of Housing & It's Not Our Fault
In a jam packed episode 198, Chris, Saied and Haroon are very caffeinated and coming in hot. Recorded back-to-back with BallerBusters: Chapter 2 and a very special guest, you can just feel the palpable stench of the powerful combination of sarcasm and data. Kicking off the show, the boys jump into US holiday retail sales. They quickly pivot to how much the “typical American” has in a 401(k) account. Then wham! Its all housing market updates all day for you the rest of the way. Almost too much data for you to handle. I guess that’s why we are the #1 financial literacy podcast in the world isn’t it? Let’s go! 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/THSPResources:Growth in US holiday retail sales (CNBC Chart Of The Day via Instagram)Here's how much — or little — the typical American has in a 401(k) (CBS News)Stocks, houses, and commercial real estate are all expensive – and prices are under 'notable' pressure, Fed economists say (Business Insider)40% of all US homes currently don't have mortgages (The Kobeissi Letter via X)Existing Home sales drop again in October (Yahoo! Finance via Instagram)Home prices are falling fastest in these 25 cities, helping buyers escape the least affordable housing market since 1985 (Business Insider)‘To buy or not to buy, that is the question’: BofA reveals rent is cheaper than mortgages in all but two of 97 major metros (Fortune)OpenAI brings Sam Altman back as CEO less than a week after he was fired by board (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.

Nov 28, 2023 • 1h 12min
A Market Crash, Housing Impossible & Not So Open AI
Yea though I walk through the valley of the shadow of the recession, I shall fear no Gary Shilling. Gary has been a permanent bear in the markets, but he did call and make a lot of money of The Great Recession. Now he is saying you can expect stocks may crash 30%, a recession looks imminent, and commercial real estate is a bubble about to burst. We give you 8 of his best quotes from a new interview. Chris, Saied and Haroon once again break down the impossible mess of the housing market. And, then place all tray tables and seat backs in their locked and upright positions because the boys are going all in on OpenAI's massive CEO debacle. 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/THSPResources:Stocks may crash 30%, a recession looks imminent, and commercial real estate is a bubble about to burst, market prophet says. Here are Gary Shilling's 8 best quotes from a new interview (Business Insider)The US Housing Market Has Become an Impossible Mess (Bloomberg) OpenAI Investors Try to Get Sam Altman Back as CEO After Sudden Firing (Wall Street Journal)OpenAI’s Unusual Corporate Structure Gave the Board Complete Control (Chartr Daily via Instagram)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.

Nov 24, 2023 • 1h 12min
Inflation Drops, NAR Gets Popped & Racks and Bibles
October is in and it appears to have moderated, cooling measurably more than anticipated. Consumer prices rose 3.2 percent in the year through October, decelerating from the previous month and showing encouraging signs under the surface, but is it enough to keep Jerome Powell and The Fed data dependent and focused on the potential for future rate cuts? Saied, Chris and Haroon breakdown what they think "higher for longer" may mean and what you should actually expect. Walmart CEO says "deflation could be coming this holiday season" and the boys take the opportunity to remind you that they feel we are already in an earnings recession. Lastly, what would an episode of The Higher Standard be without a healthy degree of trash talk? Did you know that almost no one else in the world pays a 6% real estate commission outside of Americans? Join the boys as they dive in to how the rest of the world buys and sells homes. Oh! And, full disclosure, everyone had a cocktail or two this episode. 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/THSPResources:October Inflation Report (New York Times) Wholesale prices fell 0.5% in October for biggest monthly drop since April 2020 (CNBC) Deflation could be coming this holiday season, Walmart CEO says (CNBC) Almost No One Pays a 6% Real-Estate Commission—Except Americans (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.

Nov 21, 2023 • 1h 9min
The Recession Saga And A Market Adjustment
Welcome back to the number one financial literacy podcast in the world! It's The Higher Standard podcast. This episode Chris, Saied and Haroon continue to breakdown why they think we are likely already in a recession and the overwhelming likelihood that a "soft landing" was never actually possible. Owning a home has gotten way too unaffordable and despite the rhetoric from too many real estate economists, the boys think we have a long adjustment period in front of us. Lastly, there appears to be some mounting evidence that Airbnbs being banned actually helps rental rates go down in cities with new restrictions. All facts, no cap. 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/THSPResources:Recession: The Stars Continue To Align (Forbes) Owning a Home Has Gotten Pricey, Fast. A Market Adjustment Is Coming (Barrons)The best evidence yet that banning Airbnbs will make rent go down (Business Insider) 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.

Nov 14, 2023 • 1h 17min
JP Goes Hard, Nouriel Roubini Sells Out & Head Bobbing
Favorite economist Nouriel Roubini selling out and Planet Fitness raising prices. Powell proves he's about that life. Economy out of control! Don't spend money now. Roubini launching a token. Inflation concern and wealth growth. Understanding consumer perception of monetary policy. SRK's physique discussed. Importance of starting early, budgeting, and upcoming merchandise. Equity in homes and looming challenges.