THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

Hey there! This is the final episode of my special four-part series on college, and honestly, it might be the most important one yet. I'm sharing this with you to celebrate the launch of my 14th book, The Truth About College, hitting stores on December 4th. Today, I'm giving you the strategies you've been waiting for - eight powerful ways to help your teen graduate college in four years, completel...

In this third episode of my special college series, I'm going to give you some hard truths that might make you uncomfortable – but they could save your teen's financial future. I start by revealing a shocking statistic: engineering graduates earn $73,000 five years after graduation, while psychology majors earn just $40,000 – yet both degrees cost exactly the same at any given school. This isn't f...

Hey there! This is part two of my special podcast series celebrating my new book, "The Truth About College," coming December 4th. Today, I'm taking you on what might be the most important detour we'll make in this entire series. I want to talk to you about something most families completely miss when discussing college: lifestyle and money. Before your teenager even thinks about which school to at...

Hey, Ric Edelman here, and I'm back with something special: a four-episode podcast series about college. After 32 years on the radio and three years as a Top 1% podcast, I couldn't stay away when I realized how many families are struggling with the biggest decision teenagers face today. Here's the reality: College graduates earn nearly a million dollars more over their careers and live seven years...

In his final podcast, Ric discusses the most important topic that will impact the future of personal finance: crypto. He discusses the amazing growth and the factors that will chart the future course of crypto with fellow crypto pioneer Mike Novogratz, Founder and CEO of Galaxy. And Ric reflects on his radio-tv broadcast journey in financial education as he paved the way for advisors to host radio...

The podcast focuses on the importance of adjusting investment strategies due to longer lifespans, highlighting five key subjects: college, real estate, exponential technologies (including AI), and the rising risks of scams. As an example, a listener who lost $1.7 million to a crypto scam and took further action by borrowing money to send to the scammers. #InvestmentStrategy #AgingAndLongevity #Rea...

As people are living longer and healthier lives thanks to advancements in technology, healthcare, and public policy, it is critical to rethink investment strategies, family dynamics, and wealth distribution is critical. As we approach a future where living to 100 is the norm, longevity is a key factor in managing healthcare costs and embracing reinvention, has never been greater. #Longevity #Aging...

The pros and cons of SBA loans for small businesses, as entrepreneurs should first assess if borrowing is the right decision for their business's long-term success. Plus a controversial vote in West Virginia about medically-assisted suicide is one example of the global debate on the complexities and growing relevance of euthanasia. #SBALoans #SmallBusinessGrowth #Entrepreneurship #FinancialAdvice...

Gold plays a key role in portfolio diversification, however, buying physical gold involves significant challenges such as storage, security, and commissions, which has led many investors to opt for gold-backed ETFs like GLD, offering convenience, liquidity, and lower costs. Plus, the decision of whether to hold investments like Bitcoin in a taxable account or an IRA depends on tax and risk factors...

The question "What do you do?" has long been a standard icebreaker, but for many, especially those facing retirement, career changes, or gig work, it’s a challenging question that doesn’t fully capture who they are. Instead of focusing on a job, the key is to reframe the answer to give new perspective on identity and spark more meaningful conversations. #ReframeYourIdentity #CareerChanges #Persona...

There are a variety of area offering away to diversify in the crypto asset class which includes not only bitcoin but also other cryptocurrencies, crypto companies, crypto funds, and ETFs. And while cancer deaths are declining, the number of cancer cases, particularly among adults under 50, is rising, especially for breast and colorectal cancer. Behavior changes, including unhealthy consumption hab...

Researchers are pioneering advancements in dental care, including micro-robots that clean teeth, bacteria-based oral transplants, and natural enamel regrowth. These innovations aim to revolutionize oral hygiene, making dental care more efficient, accessible, and effective for everyone. Plus, how to keep in touch with Ric in 2025. #MicroRobots #DentalTech #OralCare #Nanobots #Innovation #OralHygien...

As interest rates are heading lower, two ETFs from Invesco are designed to provide strong returns with managed risk exposure. Plus, a conversation with David Cowen, President of the Museum of American Finance, offering insights into preserving U.S. financial history while promoting financial literacy. #ETFs #Invesco #BondMarket #FinancialOpportunities #Investing #IncomeGeneration #GTOETF #EFAAETF...

With the rise of GLP-1 class drugs like Ozempic and Wegovy, is it socially appropriate to comment on someone's noticeable weight loss? Especially when it's attributed to these drugs, and how new medical technologies might influence social norms and personal boundaries. Plus, when considering investing in crypto, the importance of seeking professionals who understand blockchain and digital assets....

Many car buyers are "underwater" on their auto loans, owing more than their vehicle is worth, which can lead to financial problems when trading in or totaling the car. The trend of longer loan terms and high car prices, especially with electric vehicles like Teslas, is exacerbating the problem, making it crucial to consider long-term affordability when buying a new car or consider a used car. #Car...

The Social Security death benefit has been $255 for the last 50 years and a bill in Congress proposes to increase it to $2,900, highlighting the broader financial struggles of the Social Security system. Plus, Ric will be expanding webinars in 2025 and offering a broad array of content on planning, Alzheimer's research and more. #socialsecurity #deathbenefit #governmentwaste #socialsecuritycrisis...

The importance of understanding the difference between the short-term focus on the wedding vs. the long-term considerations of marriage. Plus, the unfixed and unexpected costs of home ownership above the down payment and monthly mortgage. And two important webinars this week. #WeddingVsMarriage #MarriageMatters #WeddingPerspective #LifetimeCommitment #FinancialPriorities #WeddingBudget #MarriageOv...

Paper checks remain a popular payment method in the U.S., despite skyrocketing fraud rates and safer digital alternatives like Zelle, PayPal, and Bitcoin. As criminals exploit vulnerabilities like mailbox theft and check washing, it's time to embrace 21st-century payment methods. And Ric discusses the latest in Alzheimer's drug treatments and lower cost blood test with Mark Roithmayr. He's the CEO...

Hiring your children through complex schemes like family management companies or S-corps isn't necessary to achieve your financial goals. Instead, you can pay your kids for legitimate earned income tasks to fund a Roth IRA in a simple and legally sound way. With major institutions eliminating tuition and AI reducing operational expense college is becoming more affordable than ever, freeing familie...

Colleges are increasingly outsourcing programs to third-party companies while maintaining their prestigious branding, raising questions about value and quality, and underqualified instructors. Meanwhile, lawsuits allege financial aid price-fixing by elite universities, further highlighting the disconnect between college costs and the actual needs of employers who prioritize skills over pedigrees....

With the new Administration's positive attitude on crypto, bitcoin is up 50% since the election. The growing enthusiasm is sparking interest from investors who've been sitting on the sidelines. Ric answers questions on how to invest, how much to invest, tax implications and much more. #Bitcoin #CryptoInvesting #Blockchain #Ethereum #DigitalAssets #InvestSmart #CryptoStrategy #WealthManagement #Fin...

An AI-powered robotic companion for older adults, ElliQ, is being tested to reduce loneliness and provide engagement, but concerns remain about its about potential abuse, lack of regulation, and reliance on robots over human interaction. And plan to join us fortwo engaging webinars next week: “What the Election Results Mean for Crypto” on December 9th, covering legislative and regulatory changes a...

To achieve true diversification and reduce market concentration risks, Ric discusses alternative strategies beyond traditional S&P 500 index funds. Equal-weighted ETFs like Invesco's RSP and mid-cap growth funds like OEGAX provide more balanced exposure and potential growth opportunities by focusing on smaller and mid-sized companies. And retirees receiving Social Security benefits may find that e...

As the Truth About Your Future comes to an end next month, in addition to being on Ric's list for updates, he suggests three industry leaders in the evolving world of crypto to follow for their expert insights. He also emphasizes the importance of doing your own research. Following up on yesterday's show covering groundbreaking medical breakthroughs, today Ric highlights future innovations, includ...

Three quarters of U. S. adults are now either overweight or obese. One in three children are now fat. But help is on the way from new drugs that not only fight obesity but have beneficial effects in fighting a variety of ailments. The impact on health and the economy will be transformative. #ObesityCrisis #HealthAwareness #MedicalBreakthroughs #WeightLossDrugs #GlobalHealth #HealthyLiving #Economi...