The Real Investment Show Podcast

How much does owning a dog or cat really cost over its lifetime? From adoption fees and food to veterinary care, pet insurance, and estate planning, pet ownership comes with financial obligations that can significantly affect your household budget. Richard Rosso & Jonathan McCarty examine the true lifetime costs of pet ownership, including the differences between dogs and cats, unexpected healthcare expenses, dental care, travel arrangements, and ways to manage financial risks. Should pet expenses have their own line item in your financial plan? Is pet insurance worth the premiums? And what happens to your pets when you're no longer able to care for them? Plus, we're discussing the reported 3.6% Social Security cost-of-living adjustment (COLA), and examining the rising costs of Halloween candy, pet costumes, and seasonal spending. 0:00 - INTRO 0:20 - The Pregnancy Minefield & The Real McCarty's 4:52 - Social Security COLA = 3.6% 6:00 - Planning for Pets - Dogs vs Cats 7:44 - Estimate Median Lifetime Pet Costs 11:28 - Animal Adoptions, etc. 13:47 - Pet Costs as Part of Financial Plan 14:16 - Setting Up Separate Pet Expense Budget Line Item 15:19 - Risk Mitigation for Pet Ownership Cost 18:08 - The True Cost of Adoption 24:56 - Traveling with Pets Expenses 26:33 - Estate Planning for Pets 27:18 - Considering Pet Insurance (Lemonade, TruPanion) 37:28 - Doggie Items & Costumes 39:17 - Halloween Candy Costs ==== Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/msrXdknaVjg?feature=share -------- Watch our previous show, "Inflation Runs Hot: What's Next for the Fed?" https://youtube.com/live/AFjsj1rWqOw?feature=share ------- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #PetOwnership #PetInsurance #EstatePlanning #RetirementPlanning

Inflation remains stubbornly elevated, raising fresh questions about the Federal Reserve's next move on interest rates. Will the Fed hold rates higher for longer, or will slowing economic growth force policymakers to reconsider? Lance Roberts and Michael Lebowitz examine the latest inflation trends, the Fed's interest rate outlook, and what persistent price pressures could mean for the stock market, Treasury yields, and investors. Can the Federal Reserve bring inflation under control without undermining economic growth? We discuss the challenges facing monetary policymakers, the risks of keeping interest rates elevated, and how changing inflation expectations could influence stocks, bonds, and portfolio strategy. 0:00 - INTRO 0:46 - CPI Comes in Hot 2:24 - Markets Sell Off on Inflation Print 3:36 - RSP Showing Recovery in Rotations 6:46 - Barry White & Sore Throats 7:49 - The Tell of the Tails - Foreign Selling & Domestic Buying 10:45 - Retail Bond Buying (EDIT) 12:10 - Two Reasons: CPI +.01%, Bond Yields Fall 14:09 - When Bad News is Good News 15:56 - CoreWeave (neo-cloud) Factor: Is AI Overbuilding? 18:49 - Credit Spread Widening: Is the Fed Making a Mistake? 22:01 - How Fed Policy is Working Through the Economy 22:47 - Credit Spreads in CCC Arena (chart) 27:06 - The Fed Wants the Cost of Money to be More Painful 28:28 - Mortgage-backed Securities (MBS) as Surrogates for Bond Market (chart) 30:24 - The Problem with MBS - Becoming Specified Pools 38:02 - Why Buy MBS vs Treasury? 40:03 - PPI & Retail Sales Preview ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/AFjsj1rWqOw -------- Articles Mentioned in Today's Show: "Think Rates Are Peaking? Consider Mortgage-Backed Securities" https://realinvestmentadvice.com/resources/blog/think-rates-are-peaking-consider-mortgage-backed-securities/ -------- Watch Today's "Before the Bell" report, "Hot Inflation, Stalled Markets," https://youtu.be/2WPLXIJt24g ------- Watch our previous show, "Q&A Wednesday" https://youtube.com/live/KW1HXnwHT0E ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL," TODAY, October 15 at Noon: https://streamyard.com/watch/tCqfFT6bMEBn ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Inflation #MarketBreadth #InvestingStrategy #FederalReserve #InterestRates #FedPolicy

Hotter-than-expected CPI inflation data sent stocks lower Wednesday, erasing the S&P 500's recent breakout to all-time highs and pushing markets back into the trading range that has persisted since August. With the index now threatening to test its 100-day moving average, is a larger correction developing, or is this simply normal October market behavior? Lance Roberts examines why improving market breadth and a rotation from growth to value stocks may be helping stabilize markets despite weakness in Technology and semiconductor shares. The equal-weighted S&P 500 (RSP) is showing signs of recovery, while Healthcare, Financials, and Energy are attracting renewed interest. This broadening participation suggests investors are repositioning rather than abandoning equities. With markets consolidating, Lance explains why patience, disciplined risk management, selective profit-taking, and maintaining portfolio exposure may be preferable to reacting prematurely. The next sustained breakout, higher or lower, will help determine the market's direction. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/2WPLXIJt24g --- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning Panel" https://streamyard.com/watch/tCqfFT6bMEBn --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Inflation #MarketBreadth #InvestingStrategy

What do the latest economic developments, stock market trends, Federal Reserve policy, and geopolitical events mean for your investments and retirement plans? Join Lance Roberts and Danny Ratliff for Q&A Wednesday as we examine the past week's financial headlines, market volatility, interest rates, Treasury yields, and investment opportunities. 0:00 - INTRO 0:56 - CPI Day & Financials 3:23 - Rotation from Growth to Value 4:04 - Russell 2000 Breaks 200-DMA 7:07 - Allergies & Interest Rates and Real Estate 12:37 - Investment Capital Movement from Europe to US 13:05 - Bear markets vs Bull markets' behaviors 14:40 - What is the Longest the S&P 500 has been flat? 16:37 - Free Supplements for Life or Train in Empty Gym? 17:22 - Should TIPS Funds be Short Term? 18:25 - Adjustments When Markets Trade 24/7? 21:43 - What is Criteria for Value Stock? 23:03 - Who was Lance's Favorite Guitarist Across KISS Line-ups? 23:28 - Credit Rating Companies Sued for Incorrect Ratings? 26:42 - Do You Like the 20-Year Bond Now? 27:44 - Trading Beats Casinos & On-line Betting 28:56 - Good System for Allocating and Taking Profits 32:02 - Bond Trading or Holding at Age 45? 36:26 - Why Tracking Credit Spreads? 38:00 - US Dollar Purchasing Power Going Forward? 41:23 - Interest Rates Are Not Friendly for Smaller Companies (IWM) 43:49 - What Criteria to Allocate Bonds in Portfolio? 45:55 - Website: Five Part Series on Buy & Hold ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/KW1HXnwHT0E -------- Articles Mentioned in Today's Show: "Bonds At 5%: Is The 10-Year Treasury Finally A Buy?" https://realinvestmentadvice.com/resources/blog/bonds-at-5-is-the-10-year-treasury-finally-a-buy/ "Gambling Epidemic: Gen Z Bets Against Their Future" https://realinvestmentadvice.com/resources/blog/gambling-epidemic-gen-z-bets-against-their-future/ -------- Watch Today's "Before the Bell" report, "S&P 500 Masks Market Weakness" https://youtu.be/myaErUG7bS4 ------- Watch our previous show, "Is Gen Z Gambling Away Its Future? (Are Bonds a Safe Bet?)" https://youtube.com/live/JKIIh2ikSYE?feature=share ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL," this Thursday, October 15 at Noon: https://streamyard.com/watch/tCqfFT6bMEBn ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #StockMarket #MarketBreadth #SmallCapStocks #Investing #FederalReserve #MarketVolatility #FinancialPlanning

The S&P 500 continues to hold steady, but beneath the surface, market weakness persists as investors rotate from growth stocks into value. Technology and semiconductor stocks are facing selling pressure, while mega-cap names like Apple, Alphabet (Google), and Nvidia help support the market-cap-weighted S&P 500. Meanwhile, the Russell 2000, S&P SmallCap 600, and S&P MidCap 400 reveal a different picture. Small-cap and mid-cap stocks continue to struggle, with weak market breadth and widening performance gaps across sectors. In today's Before the Bell, Lance Roberts examines the ongoing growth-to-value rotation, the divergence between major market indexes, and why sector selection and individual stock selection are becoming increasingly important. The takeaway: The S&P 500 may appear stable, but underlying market weakness suggests investors should remain cautious as the rotation continues. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/myaErUG7bS4 --- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning Panel" https://streamyard.com/watch/tCqfFT6bMEBn --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #StockMarket #MarketBreadth #SmallCapStocks #Investing