

THE TRUTH ABOUT YOUR FUTURE with Ric Edelman
Ric Edelman
Ric Edelman is the nation’s most acclaimed financial advisor, the #1 New York Times bestselling author of 11 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 weekday, 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 health & wellness. Using his trademark humor and unique delivery, Ric makes complex topics easy to understand – as only he can! Ric was ranked three times as the nation’s #1 Independent Financial Advisor by Barron’s, and he’s in both Research Magazine’s and Barron’s Financial Advisor Halls of Fame. He’s also recipient of IARFC’s Lifetime Achievement Award. Investment Advisor, RIABiz and InvestmentNews all named him one of the most influential people in the investment management profession – and he’s been named seven times by TALKERS as one of the HEAVY HUNDRED – the 100 most important radio talk show hosts in the country! Tune in to Ric’s show every weekday for the knowledge you need to achieve financial success! For more information, visit www.thetayf.com
Episodes
Mentioned books

Sep 4, 2024 • 18min
9/4/24: Did Gensler Just Reveal Kamala’s Crypto View?
While Donald Trump has stated his views on crypto, Kamala Harris remains silent. Ric explains recent legal action by the SEC and how it may reveal her likely position.#CryptoPolitics #Election2024 #CryptoRegulation #KamalaHarris #DonaldTrump #Economy #Bitcoin #Blockchain #VoterIssues #OpenSea #SEC #DigitalAssets #CryptoCommunity #NFTs #SingleIssueVoter #PolicyDebate----- Subscribe to podcast updates: https://form.jotform.com/223614751580152Ask Ric: https://www.thetayf.com/pages/ask-ric----- Links from today’s show: Yesterday’s Show: A Roadmap for Voting in the 2024 Election: https://www.thetayf.com/blogs/this-weeks-stories/a-roadmap-for-voting-in-the-2024-electionOpenSea NFT Trading Platform: https://opensea.io/BoredApeYachtlCub Collection of 10,000 Unique Bored Ape NFTs https://boredapeyachtclub.com/CryptoPunks Crypto Art Trading Site: https://cryptopunks.app/Rates are Poised to Drop, Now What? (9/11 Webinar – Register Now for Free!): https://www.thetayf.com/pages/rates-are-poised-to-drop-now-what----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee-----

Sep 3, 2024 • 12min
9/3/24: A Roadmap for Voting in the 2024 Election
Choosing between Trump and Harris...do you prioritize personality or policy? Ric looks at the impact on your financial future and the economy as a whole.Hashtags:#Election2024 #PresidentialElection #Politics #VoterDecision #PolicyOverPersonality #USPolitics #Trump2024 #Harris2024 #EconomicPolicy #VotingMatters-----Subscribe to podcast updates: https://form.jotform.com/223614751580152Ask Ric: https://www.thetayf.com/pages/ask-ric----- Links from today’s show: Ric's Library of Best-selling Books: https://www.amazon.com/stores/Ric-Edelman/author/B000APYJPMRates are Poised to Drop, Now What? (9/11 Webinar – Register Now for Free!): https://www.thetayf.com/pages/rates-are-poised-to-drop-now-what----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee-----

Aug 29, 2024 • 11min
8/29/24: Why Do You Still Own Mutual Funds?
Mutual funds may have been great in the past, but it's time to move on—ETFs offer lower costs, better tax efficiency, and real-time pricing. If you're still holding mutual funds, ask yourself why. Plus, age shouldn't dictate your investment strategy—at 69, staying in the market could be crucial for your financial future. If you're told otherwise, it's time to rethink your advice source.#ETFs #MutualFunds #Investing #FinancialAdvice #PortfolioManagement #TaxEfficiency #RetirementPlanning #Investing #StockMarket #WealthManagement #LongTermInvesting #PersonalFinance #RetirementSavings-----Subscribe to podcast updates: https://form.jotform.com/223614751580152Ask Ric: https://www.thetayf.com/pages/ask-ric----- Links from today’s show: Citibank Report on ETFs: https://www.citigroup.com/global/insights/e5-how-etfs-will-earn-more-of-your-assetsRates are Poised to Drop, Now What? (9/11 Webinar – Register Now for Free!): https://www.thetayf.com/pages/rates-are-poised-to-drop-now-what----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee-----

Aug 28, 2024 • 9min
8/28/24: New Evidence that Crypto is Going Mainstream
Despite political division on crypto, developments like BRICS' digital payment system, U.S. government adoption, and rising institutional interest underscore the growing significance of blockchain and digital assets in global finance. And why you need to talk to your financial advisor about it.#Cryptocurrency #Blockchain #DigitalAssets #BitcoinETF #CryptoRegulation #FinancialPlanning #BRICS #BlockchainTechnology #USGovernment #CryptoInvesting-----Subscribe to podcast updates: https://form.jotform.com/223614751580152Ask Ric: https://www.thetayf.com/pages/ask-ric----- Links from today’s show: Ernst & Young Crypto Survey: https://www.ey.com/en_us/insights/financial-services/how-investors-make-digital-assets-part-of-their-livesRates are Poised to Drop, Now What? (9/11 Webinar – Register Now for Free!): https://www.thetayf.com/pages/rates-are-poised-to-drop-now-what----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee-----

Aug 27, 2024 • 11min
8/27/24: New Research Answers the Question: Is College Worth It?
A new study reveals that nearly a quarter of bachelor’s degrees and half of master’s degrees have a negative ROI, challenging the assumption that college always pays off. Plus, Ric answers a question from a financial advisor about the lack of regulations governing stablecoins like Tether and USDC, which heightens the risk of a financial crisis without proper oversight and transparency.#HigherEducation #CollegeROI #StudentDebt #EducationPolicy #CareerAdvice #TradeSkills #FinancialLiteracy #STEMCareers #VocationalTraining #CollegeCosts #Stablecoins #CryptoRegulation #FinancialSecurity #CryptoLaws #Blockchain #Tether #USDC #DigitalAssets #Congress #CryptoRisks----- Subscribe to podcast updates: https://form.jotform.com/223614751580152Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: Does College Pay Off? A Comprehensive Return On Investment Analysis https://freopp.org/whitepapers/does-college-pay-off-a-comprehensive-return-on-investment-analysis/Rates are Poised to Drop, Now What? (9/11 Webinar – Register Now for Free!): https://www.thetayf.com/pages/rates-are-poised-to-drop-now-what----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee-----

Aug 26, 2024 • 12min
8/26/24: Stay, Move, or Downsize?
Retirement is approaching for Generation X, raising crucial questions about future living arrangements and financial readiness. This episode challenges you to think ahead and make informed decisions that align with your family's needs and your own long-term security.#RetirementPlanning #GenX #FutureHousing #AgingInPlace #FamilyDecisions #Boomers #ElderCare #HomeOwnership #FinancialWellness #RealEstate----- Subscribe to podcast updates: https://form.jotform.com/223614751580152Ask Ric: https://www.thetayf.com/pages/ask-ric----- Links from today’s show: Rates are Poised to Drop, Now What? (9/11 Webinar – Register Now for Free!): https://www.thetayf.com/pages/rates-are-poised-to-drop-now-what----- Follow Ric on social media: Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman----- Brought to you by: Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee-----

Aug 23, 2024 • 60min
8/23/24: This Economist’s Proposal Won’t Solve the Social Security Crisis
In this election season, Social Security should be a key topic of debate due to its impending funding crisis, which could lead to a 25% reduction in benefits by 2032. Then Ric and industry experts discuss the challenges of organic growth for financial advisors, noting the shift from individual client acquisition to broader strategies. And Ric answers a listener question, explaining that you can't simultaneously pursue aggressive growth and safety in an investment.#SocialSecurity #Election2024 #RetirementPlanning #FinancialCrisis #SocialSecurityReform #ElderlyCare #GovernmentPolicy #TaxIncrease #EconomicSecurity #FutureOfSocialSecurity----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: Wealth Management Convergence (March 2024): https://www.thetayf.com/pages/convergence Edelman Financial Engines: https://www.edelmanfinancialengines.com/ Mariner Wealth Advisors: https://www.marinerwealthadvisors.com/ Gladstone Wealth Partners: https://gladstonewealth.com/ Mill Creek Capital Advisors: https://www.millcreekcap.com/ ----- 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 -----

Aug 22, 2024 • 12min
8/22/24: Iran's Surge in Cosmetic Surgery and 3D-printed Communities: The Expanding Impact of Exponential Technologies
Exponential technologies continue to revolutionize industries, creating new opportunities and challenges. However, the anticipated great wealth transfer won't be enough to secure retirement for most, highlighting the need for proactive financial planning.#ExponentialTech #3DPrinting #CosmeticSurgery #TechInnovation #FutureTech #WealthTransfer #RetirementPlanning #AI #Blockchain #FinancialAdvice-----Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: 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 -----

Aug 21, 2024 • 7min
8/21/24: Estate Planning for Your Pet
When planning your will, don’t forget your pets. Protect them by naming a caregiver and setting aside funds to ensure their well-being after you're gone.#EstatePlanning #PetCare #WillsAndTrusts #FinancialPlanning #PetTrusts #LegacyPlanning #PetOwners #FamilyPlanning #LegalAdvice #ProtectYourPets----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- Links from today’s show: 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 -----

Aug 20, 2024 • 16min
8/20/24: Estate Planning Essentials to Ease the Burden
Learn how to simplify estate planning and protect your family from future hassles. Plus, a no-nonsense comparison of bitcoin ETFs vs. direct ownership—find out which one might be better for you.#EstatePlanning #BitcoinETFs #FinancialPlanning #CryptoInvesting #RetirementPlanning #WealthManagement #PersonalFinance #InvestSmart #CryptoSecurity #LegacyPlanning----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric ----- 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 -----


