This Time Is Different
This Time Is Different is a podcast featuring long-form conversations that examine markets, money, and the economy from unconventional angles. The hosts challenge widely accepted narratives and invite contrarian viewpoints to spark fresh thinking. Each episode aims to question consensus thinking and explore alternative perspectives.
Episodes
The Only Sane Person in Crazy Town
The economy is unhinged! Ricky and Malcolm discuss:
Gen Z redirecting investing dollars toward gambling.
Malcolm as the lone voice of caution on a CNBC panel of market bulls.
Bill Ackman's return to Netflix as an activist investor and his shaky track record with the stock.
Reddit's inclusion in the S&P 500, and why Google and OpenAI need the site for AI ambitions.
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When to Sell a Stock You've Owned for Years
Malcolm bought a popular tech stock a few years ago and just decided it's time to sell. How did he know?
Ricky Mulvey and Malcolm Ethridge discuss:
Why Malcolm is selling a streaming giant after a multi-year run, and why he believes there are signs the company's best growth days are behind it.
Mercado Libre, the "Amazon of Latin America," and why a company trading off profit margins for
Why Smart People Take Dumb Money Risks
A 24-year-old hedge fund manager said he had more "situational awareness" than anyone on Wall Street. Then his leveraged bets on memory chipmakers blew up, forcing a fire sale to Ken Griffin. Wall Street is pretty smart.
Ricky Mulvey and Malcolm Ethridge discuss:
- How Leopold Aschenbrenner's AI manifesto and multi-billion-dollar hedge fund imploded within months, and what it says about ego.
ServiceNow's Pitch: A Kill Switch for Rogue Bots
ServiceNow is down 50% over the past twelve months. Investors are doubting the company's place in a world with AI agents. But, maybe the software giant is figuring it out…
Ricky Mulvey and Malcolm Ethridge discuss:
- OpenAI’s latest scandal. Its bot broke out of a sandboxed test environment and hacked its way into another company’s servers using stolen credentials.
- Ricky passing the CFP® exa
Canaries in the AI Coal Mine
Uber, Tesla, xAI, Meta, and now IBM have all quietly signaled the same thing: AI is too expensive. Ricky Mulvey and Malcolm Ethridge discuss:
Whether "gotcha questions" in media interviews (from Tucker Carlson to JD Vance on Rogan) actually work
Why Malcolm bought Netflix into weakness after a disappointing earnings report, and picked up Cerebras (CBRS) as a bet against Nvidia's pricing p
Remember Nvidia’s Memory
Nvidia’s valuation is the cheapest it has been since the AI boom. Traders’ attention moved to memory chipmakers. They may have forgotten that Nvidia makes advanced memory systems.
Ricky Mulvey and Malcolm Ethridge discuss:- An unpaid intern getting “fired” for demanding $32 per hour, and if unpaid internships should even be legal.- What investors forgot about Nvidia.- President Trump’s fina
Welcome to Crazy Town, Population: $1.4 Trillion Margin Debt
US margin debt, what investors borrow from their brokerages to buy securities, rose 54% from a year ago. Don’t take the punch bowl away!
Ricky Mulvey and Malcolm Ethridge discuss:
Malcolm’s prediction that Sam Altman will have to walk back OpenAI's spending commitments in the back half of 2026.
The mechanics of triple-leveraged ETFs, and how they're driving 10% single-day swings in stocks like
Polymarket's Fake Bets. Wendy’s Becomes a Meme Stock.
Polymarket reportedly paid creators to post videos of themselves "winning" bets that didn't exist. The Wall Street Journal found 118 videos showing nearly $900,000 in winnings — bets that, in reality, would have lost more than $166,000, placed on a creatively misspelled lookalike site.
Meanwhile, Wendy's is drawing more Wall Street Bets chatter than SpaceX, 80% of its borrowable shares are alread
Is The Market Too Hot To Trust?
Elon Musk says SpaceX could hit $1 trillion in revenue by 2030, a fifteen-fold jump from 2027 estimates. Parts of the market feel like they're on fire. So where does a long-term bull actually put money when they don't want to chase 40%-in-a-week moves?
Ricky Mulvey and Malcolm Ethridge discuss:
The REITs they're using as cover in an overheated market — cold storage, data centers, and class-
Is the American Dream Dead? w/ Freddie Smith
Is the American Dream Dead? w/ Freddie Smith
Over the past 50 years, Americans created roughly $140 trillion in new wealth. Roughly two SpaceX’s worth of wealth reached the bottom half. Actor-turned-economic-commentator Freddie Smith argues the American dream isn't dead, but the timeline to reach it has become unreasonable for the typical worker. Is he right, and what would it actually take to f
The Real Reason for Big Tech Layoffs
Google is raising $80 billion, and nearly 40% of it is going to the IRS, not data centers. Is Big Tech cutting employees to pay a tax bill?
Ricky Mulvey and Malcolm Ethridge discuss:
Why index funds are forced to buy SpaceX at a bad time
The Nasdaq rule change that helps big IPOs, and possible reasons why the exchange declined to answer Ricky's questions
Why Malcolm is making a l
Why Did SpaceX Buy $131 Million of Cybertrucks?
SpaceX is mostly an AI company now. Or, that’s where it sees most of its total addressable market in one of the largest economic opportunities “in human history.” Well, that's according to the company. Malcolm is more skeptical. Is this the last big bang in the AI bull market?
What's buried in the SpaceX S-1 that nobody's talking about.
Whether OpenAI's IPO will land with a thud in Spac
Microsoft's Early Retirement Offer and What It Teaches Everyone Else
Malcolm flies solo this week to break down one of the more generous early retirement packages in recent memory, and whether "generous" and "right for you" are actually the same thing. He covers:
- What makes Microsoft's offer different from a typical severance package (hint: five years of health care)
- The three-bucket framework for deciding if you can actually afford to say yes
- Why your RSU
The Beginning of Facebook's Decline?
Meta is losing users for the first time in company history. It has a mountain of debt loaded in other development companies. Is this a blip for an unstoppable force or the beginning of a slow decline?Ricky Mulvey and Malcolm Ethridge discuss: - America’s debt problem, and the landmark of owing more than it makes.
- Strategy backtracking on permanent bitcoin ownership.- Why AI stock trading bots
Investing in 2026 vs. 1999
This isn’t just like the dot-com boom, but you’ll find pockets of “irrational exuberance” if you look a little bit. Ricky Mulvey and Malcolm Ethridge discuss:
- How arena football shows the “dark part” of the American Dream.
- Why Malcolm believes that parts of the stock market are overheated and what he’s actually doing with his own money.
- If Robinhood can be a casino and a long-term fina
OpenAI Is Leaking, Big Tech is Earning
Someone at OpenAI leaked that it is missing targets, but they didn't leak the numbers. That's either a red flag or a setup. Malcolm Ethridge and Ricky Mulvey discuss:
The OpenAI leak: why leak a miss without leaking the actual numbers?
Meta deception, the magic trick concept that might explain how big companies manage investor expectations
Big tech earnings: Meta's ad machine is working, and Ma
The AI Bill is Coming Due
The companies building the AI future are the same ones laying off thousands of employees. This means that the AI story is changing. LLMs aren’t taking jobs quite yet, but AI companies that took on mountains of debt are cutting staff while interest rates rise.
Malcolm Ethridge and Ricky Mulvey discuss:
Why Malcolm sold his entire ASML position and trimmed Nvidia.
The AI debt trap: how Microso
Why Are Stocks at All-Time Highs?
Is the stock market ignoring the war in Iran? And why did Allbirds shoot up 800% in one single day?
Jason Moser joins Ricky Mulvey to talk about:
How solid earnings results are powering stock prices.
Why Allbird’s pivot to AI is one of the most insane business stories ever.
Ricky’s reporting on suspicious trades in the futures market.
Stocks and ETFs that JMo has been buying.
Host: R
Are Space Stocks Overheated?
SpaceX could be the biggest IPO in history. Is this the beginning of the space economy, or peak optimism?
Ricky and Malcolm sit down with Yuri Khodjamirian, CIO of Tema ETFs, which runs the NASA ETF, an actively managed space fund.
They discuss:
Why falling launch costs are the key to the space economy.
How a publicly traded ETF can own non-public shares of SpaceX.
If AST SpaceMobile is a r
Is OpenAI the next WeWork?
OpenAI just wrapped up a $122 billion funding round, but some investors are having trouble selling OpenAI stock in private markets.
Malcolm Ethridge and Ricky Mulvey discuss:
- Investing during the uncertainty of the Iran War, and one sector where investors may find some safety.
- Oracle’s 30,000 employee layoff.
- How more student loans are in default than subprime mortgages during the 2008
Take Afroman Seriously, Not Elon Musk
Five minutes before Trump announced a halt to Iran airstrikes, a trader reportedly bought $1.5 billion in S&P 500 futures and sold $200 million in oil futures. The orders were four to six times larger than anything else in the market at that moment. Huh. Isn't that interesting?
Also: Afroman won his defamation trial against Ohio police officers. Ricky and Malcolm discuss the economic lessons from
Is America FINALLY Pushing Back on Online Gambling?
Seven states now allow full online casinos on your phone, such as slots and blackjack. But, two states, Virginia and Massachusetts, just shelved iGaming bills. Is the tide turning on mobile gambling?
Ricky and Malcolm also dig into why gold is falling even as the Iran war drags on, and break down the short report targeting SoFi.
In this episode, they discuss:
(4:40) Why retail investors are
The Great Wealth Transfer w/ Hanna Horvath Pt. 2
The Great Wealth Transfer is such a big conversation that we're dedicating two shows to the topic.
Hanna Horvath, CFP®, writes Your Brain on Money. She joins Ricky and Malcolm for the second part of their conversation about the Great Wealth Transfer. In this episode, they discuss:
- The effect of inheritances on romantic relationships.
- Family wealth and the creation of bad art.
- How the
The Iran War Impacts Your Investments, Live Nation's Settlement Changes Nothing
Ricky Mulvey and Malcolm Ethridge take a breath and explain why right now is a bad time to make big money decisions. They discuss:
- The economics of the Iran War, and Ricky breaks down some of his reporting on the cost of the conflict.
- Robinhood’s new investment vehicle for retail investors to buy private companies, and why Malcolm won’t pick up shares.
- Live Nation’s $300 million proposed
The Great Wealth Transfer w/ Hanna Horvath Pt. 1
Tens of trillions of dollars are expected to change hands between generations in the coming decades. What does this mean for our society, for the families passing down money, or for the kids who have to pull themselves up by the bootstraps?
Hanna Horvath, CFP®, writes Your Brain on Money. She joins Ricky and Malcolm for a two-part conversation about the Great Wealth Transfer. In this episode, th
Know What You Own, Our Rules for Investing
**NOTE: We recorded this before the Iran War started.**
Sure, we’ve got earnings coverage, but we are also taking a step back to discuss our personal rules for investing and how to stay disciplined in any market.
Malcolm Ethridge and Ricky Mulvey discuss:
- How Ricky won $2,600 back from an airline by using AI.
- Netflix walking away from Warner Bros. Discovery.
- How CAVA’s story is chang
Jason Moser Talks Stocks
JMo is back! Motley Fool Senior Analyst, Jason Moser, joins Ricky Mulvey and Malcolm Ethridge to discuss what's actually happening in the AI selloff, and what's just noise.
They discuss
The companies that AI will not disrupt.
If the Citrini Research AI doom scenario, causing a market sell-off, is marketing or reality.
Jason’s thoughts on PayPal and Axon.
Malcolm’s theory on trading bots dri
Private Credit Freezes, Investors Feel a Chill
Blue Owl Capital just froze quarterly withdrawals from its private credit fund, and retail investors can't access their money. We explain why this isn't just a Blue Owl problem and why you want to know if you own private credit funds.
Malcolm Ethridge and Ricky Mulvey discuss:
- The private credit crisis, and why your portfolio might have more AI exposure than you think.
- Stocks we are buyi
Invest for an AI Crash? Plus, We Reveal Epstein’s Stock Trades
The AI selloff is building momentum, and investors are moving to safety. Is it time to become a contrarian? Plus, Ricky reveals Jeffrey Epstein's brokerage statements. They break down his biggest mistakes: $300,000 in Yahoo, terrible options trades, and swing trading that lost money during a bull market.
(0:00) - Intro
(2:44) - The cybersecurity stock that can thrive as AI-agents spread.
(12:
Netflix's Warner Bros Problem, OpenAI's Nvidia Drama, and SpaceX Going Public
Why is SpaceX adding an AI company (that Elon Musk also owns)?
Ricky Mulvey and Malcolm Ethridge discuss:
- Why Warner Bros. Discovery could earn Netflix’s stock a “conglomerate discount”, and why Ricky changed his mind on the stock.
- Malcolm breaks down why OpenAI’s relationship with Nvidia could be falling apart.
- SpaceX preparing for a massive IPO and bringing xAI along for the ride.
Resist and Unsubscribe: Can You Actually Boycott Big Tech?
Scott Galloway is calling for Americans to “Resist and Unsubscribe,” canceling big tech subscriptions. The call is for cancellations including Amazon Prime, Netflix, ChatGPT, and Apple services. The hope is that it will lead to political change. But will it work? And what happens if it does?
Malcolm Ethridge and Ricky Mulvey discuss:
- Why Microsoft dropped 12% despite solid earnings.
- Th
Sell America Gets Real
America did not make more friends at the World Economic Forum. And while stories about Greenland and tariffs flare up, the ground may be shifting as more central banks buy up gold.
Ricky Mulvey and Malcolm Ethridge discuss:
- Why Malcolm is purchasing the stocks of big banks and ServiceNow.
- If purchasing Warner Bros. is a good idea for Netflix.
- What the World Economic Forum revealed
Elon Musk: "Don't Save for Retirement" – AI Will Make It Irrelevant
Elon Musk just told a podcast audience they don't need to save for retirement because AI will provide universal high income. Meanwhile, someone placed a $74 million options bet on Taiwan Semiconductor right before a major tariff announcement. And Trump's proposing a 10% credit card interest rate cap with bipartisan support from Bernie Sanders and Josh Hawley.
Sheesh, there's a lot going on.
Malc
Economic Narratives 2026: Dedollarization, AI Profits, and Bitcoin
What stories are going to drive the economy and the market this year?
Malcolm Ethridge and Ricky Mulvey discuss:
- De-dollarization: Why central banks are buying gold and what it means for the U.S. dollar's reserve currency status.
- AI profitability: Do AI projects need to start generating cash in 2026?
- A Recession-proof investing myth: Why alcohol stocks aren't the defensive play they
Is Common Financial Wisdom ACTUALLY True?
Some financial truisms become common knowledge for good reason. Some deserve to be revisited.
Malcolm Ethridge and Ricky Mulvey discuss:
- If young people should save as much as they can early in their career.
- How investors should think about their “return on effort”.
- The economic rules of home ownership.
- Why job switching doesn’t necessarily pay.
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What Fighting, Sex, and Pizza Reveal About the Economy
Data doesn’t always capture what’s happening in the economy.
Malcolm Ethridge and Ricky Mulvey discuss:
- Malcolm’s biggest market worry for 2026.
- How the state of boxing reflects the broader economy.
- Why sugar daddies are spending less.
- Tighter spending showing up at pizza chains.
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How to Invest For Decades w/ John Rotonti
John Rotonti is a Portfolio Manager for Bastion Fiduciary where he runs the Bastion Industrial and Infrastructure Portfolio. He joined Ricky Mulvey for a conversation about:
- The housing shortage and how John is approaching it as an investor.
- Finding high-quality companies.
- A less-discussed player in the AI buildout.
- How sustainable share buybacks reward long-term holders.
Host: Ri
An OpenAI IPO? w/ Alex Kantrowitz
When will OpenAI go public? Could it really happen as soon as 2026? What will AI wearables actually look like? And why has the market largely forgotten about Waymo?
Alex Kantrowitz, who writes the Big Technology Substack and hosts the Big Technology podcast, joins Ricky and Malcolm to break it down.
- Alex and Malcolm debate OpenAI going public in 2026.
- They discuss why AI wearables won’t l
Your Online Grocer "Randomly" Raises Prices
Instacart is testing different prices for the same basket of goods, sold from the same grocery store and at the same time. Algorithmic pricing is in your grocery cart.
Ricky Mulvey and Malcolm Ethridge discuss:
- Disney allowing its characters on OpenAI’s Sora platform.
- Why Malcolm is losing faith in Oracle’s business.
- Instacart playing with algorithmic pricing on grocery items
- The pot
Work From Home Is Dying. Investors Haven’t Noticed.
More than half of Fortune 100 companies have asked “desk-using employees” to come back to the office five days a week. But office REITs are not roaring back.
Malcolm Ethridge and Ricky Mulvey discuss:
- Crypto’s downturn, and if it represents a “buy the dip” opportunity.
- Meta cutting its metaverse budget.
- The career implications of working from home, and the data on return to office.
Retail is Nervous. Wall Street Isn’t. Why?
Retail investors are selling off risky assets, like Bitcoin, but the big institutional money is sitting tight.
Ricky Mulvey and Malcolm Ethridge discuss:
- The surprising number of high-income earners using Buy Now Pay Later.
- Abercrombie & Fitch as a buyback machine.
- Why retail investors are afraid of the AI trade, but big money is not.
- Nvidia’s potential accounting issues.
Hosts: Malc
How to Beat Financial Nihilism w/ Hanna Horvath
AI is propping up the economy. Homes aren’t affordable. You don’t feel like you’re making enough at your job. So what do you do?
Hanna Horvath, CFP®, writes the Substack “Your Brain on Money” and joined Malcolm and Ricky for a conversation about:
- How the definition of being middle class is changing.
- Gen Z’s split preference between socialism and capitalism.
- Building more agency into
“The Market Needs a Good Spanking”
Some investors are rooting for a bear market. Are you?
Malcolm Ethridge and Ricky Mulvey discuss:
- Why a blowout Nvidia quarter does not impress investors anymore.
- “The big market delusion” and artificial intelligence.
- Why younger generations are steering away from stocks.
- The growth of private credit funds being sold to retail investors.
Hosts: Ricky Mulvey, Malcolm Ethridge
Enginee
Warren Buffett Lives “The Baby Boomer Dream”
He’s retiring at age 95 as a multi-billionaire. He’s leaving his kids 1% of his fortune. And everyone is hanging on to hear his insight. Warren Buffett is truly living the Baby Boomer Dream.
Malcolm Ethridge and Ricky Mulvey discuss:
- Michael Burry shutting down his hedge fund.
- Warren Buffett’s letter to shareholders and how Buffett has affected them.
- Opendoor as a “cult stock” and the
The Real Economics of Sports Betting
What happens when we put a financial planner and a mixed martial arts betting analyst in conversation?
Cody Saftic is a mixed martial arts betting analyst, the co-host of Bookie Beatdown, and an MMA matchmaker. Cody joined Malcolm and Ricky to discuss:
- Recent fight fixing allegations in the UFC.
- The number one rule of gambling.
- How Cody has seen the interest in sports gambling explode over
How to Invest with a Casino in Your Pocket
Why is Sam Altman getting heated about a simple valuation question?
In the first half of the show, Malcolm Ethridge and Ricky Mulvey discuss
- OpenAI CEO Sam Altman’s surprising response to a question about his company’s $1.4 trillion commitments.
- A Big Short against Palantir.
- Where they’re seeing opportunities in Ethereum and Chipotle.
Then, they explore the rise of sports betting and how tak
This Time Is Different Trailer
Long-form conversations that challenge the consensus thinking around markets, the economy, and your money.
Hosted by Malcolm Ethridge and Ricky Mulvey
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A Wave of Big Tech Layoffs
The economy is in a weird place. Nvidia added more than $600 billion in market cap in five trading days. Amazon cut 14,000 workers. AI is the reason for both.
Malcolm Ethridge and Ricky Mulvey discuss:
- Why Nvidia’s market cap continues to skyrocket.
- OpenAI’s proposed initial public offering, and why “$60 billion won’t cut it”.
- Some takeaways from big tech earnings.
In the second half of the
Leave Stocks? And Go Where?
Retirement savings are wide open for private equity, and more investors are looking to gold.
Malcolm Ethridge and Ricky Mulvey discuss:
- The FBI breaking up a gambling ring involving NBA players and the mafia.
- OpenAI releasing the Atlas web browser.
- Why more private funds are opening to regular investors.
- What’s behind the massive run-up in the price of gold.
Then, Tim White, the Princi
Investing Through Dark Clouds
When should you run toward a dumpster fire? When should you stay away?
Ricky Mulvey and Malcolm Ethridge discuss:
- What some investors misunderstand about Oracle's business.
- If Robinhood has a branding problem.
- Investing in companies with visible problems.
Articles discussed:
Oracle's margin questions: https://www.theinformation.com/articles/internal-oracle-data-show-financial-challenge-re
Yes, AI Is in a Bubble
But that doesn’t mean the bubble will pop soon.
Ricky Mulvey and Malcolm Ethridge kick off their new show, “This Time Is Different”. They discuss:
- What the Shiller PE ratio reveals about the stock market.
- Circular dealmaking among AI companies.
- Why Ricky is putting more of his long-term savings in cash and bonds.
- Peter Lynch’s investing lessons for 2025.
Hosts: Malcolm Ethridge and Ric
Tech Money Podcast: Improving Your Relationship with Money with Hanna Horvath
In this episode of Tech Money Live, Malcolm chats with special guest, Hanna Horvath, of Bankrate and "Your Brain on Money," to discuss her work as a personal finance writer, and her passion for helping people understand the ways in which their background, social conditioning, and personalities all influence the way they think and handle and talk about money.
Join the Tech Money Community on Micro
Tech Money Podcast: Beyond Bitcoin: Is there More to Crypto?
In this episode of Tech Money Live, Malcolm chats with special guest, Ryan Rasmussen, of Bitwise Asset Management to discuss cryptocurrency as an entire asset class beyond Bitcoin. The pair delve into into broader landscape of cryptocurrencies, including the emerging technologies and diverse applications that are shaping the future of finance. While Bitcoin captures headlines as the pioneering dig
Tech Money Podcast: How to Build an Investment Portfolio from Scratch
In this episode of Tech Money Live, Malcolm lays out a playbook for how to construct an investment portfolio from scratch. Inspired by a recent blog post and feedback received from the Tech Money community, Malcolm walks through his own approach to investing, and also shares plenty of helpful resources for investors at all phases on the journey.
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Res
Tech Money Podcast: The State of the Tech Worker with Alex Kantrowitz
In this episode, Malcolm Ethridge sits down with Alex Kantrowitz, Founder/CEO of Big Technology to discuss many different topics affecting tech workers, such as whether mass layoffs in tech are finally done, the likelihood that AI actually replaces knowledge workers, as well as Alex’s own journey from working in tech to reporting on it.
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Resources:
Tech Money Podcast: Take Your 401(k) With You
In this episode, Malcolm Ethridge shares the reasons why he believes it’s (almost) always a good idea to take your 401(k) with you whenever you change jobs or retire. He also shares some of the potential pitfalls to be aware of, as well as some helpful insights about a little known option available to those who own substantial shares of their company’s stock inside the plan.
Resources:
Changing
Tech Money Podcast: Going from Saver to Spender in Retirement
In this episode, Malcolm Ethridge discusses the phenomenon of frugality inertia, and why it keeps retirees from being able to enjoy their retirement. He shares his insights on how it can help to reframe your focus and spend that retirement nest egg on things that will enhance your quality of life, ultimately leading to a happier and healthier version of yourself.
Malcolm Ethridge Discusses:
The c
Tech Money Podcast: The Latest on Crypto Regulation with Andie Kramer
In recent years, the rise of digital currencies has revolutionized the way we think about money and finance, with more and more individuals and businesses embracing the potential of blockchain technology. However, with this rapid growth has come a significant amount of uncertainty and confusion around the legal and regulatory frameworks that govern this new asset class. And as the crypto industry
Tech Money Podcast: How to Know Whether Options Belong in Your Portfolio with Jessica Inskip
Investing is a way to grow your money over time, and secure your financial future. When you invest without a clear plan, you're more likely to make decisions based on emotions, rather than logic. You may be tempted to buy a stock because it's the latest hot trend or sell a stock because you're afraid of losing money. However, when you invest with a purpose, you have a plan in place that guides you
Tech Money Podcast: Navigating Money and Divorce with Andrew Hatherley
Nobody enters a marriage expecting to get divorced. Yet, regardless of our best intentions, relationships can and do fall apart. While the emotional roller coaster of divorce is difficult enough, the added frustration of financial litigations can make a situation that much worse. Unfortunately, the current system of divorce in the United States does a poor job of educating clients on the alternati
Tech Money Podcast: Avoiding Burnout as a Tech Worker with Michael Lin
Picture this: you’re working for one of the FANG companies, in a high-paying role, with unlimited PTO, free food, and plenty of responsibility -- sounds pretty ideal right? But there’s one big problem: you can’t take it anymore. On one hand, you feel guilty because you’ve ascended to a position many of your peers could only dream of. On the other, you’re unmotivated, unproductive, and struggling t
Tech Money Podcast: The Rising Trend of Social Investing with Manning Field
The most common example of social trading is when individual investors follow successful traders on social trading platforms and copy their trades. This can help investors who lack the time, experience, or confidence to invest on their own to achieve similar returns to more experienced traders. But, if you’ve ever traded stocks or crypto on Robinhood, and immediately received a prompt letting you
Tech Money Podcast: What Does it Mean to Pay Yourself First?
Traditionally, we are taught from a young age that anyone who fails to pay their bills on time and in full is either irresponsible, lazy, or otherwise bad with money. By the time a person reaches young adulthood, they have essentially learned rule #1 of managing your personal finances: pay every bill on time, no matter what.
The reality though is that the importance of paying yourself supersedes p
Tech Money Podcast: Investing in Non-Traditional Real Estate with Whitney Elkins-Hutten
The promise and allure of passive income is undeniable. The idea of making money “while you sleep” has led to a proliferation of personalities and influencers telling us how to build income streams through dividends, real estate, online courses, e-books, and more. Unlike the day-to-day income most workers are accustomed to, passive income allows you to receive earnings, royalties, or sales in perp
Tech Money Podcast: The Impact of Diversity in Fintech with Drew Glover
The Fintech sector is responsible for the rapid transformation and digitalization of financial tools that help consumers intelligently manage and understand their money. Making an incredibly positive impact, financial services companies distance consumers from the legacy banking system and provide access to historically underrepresented communities. Despite this progress, it is a well known fact t
Tech Money Podcast: Being Strategic With Your Equity During a Recession with Brooke Harley
Equity is an important aspect of any tech worker’s overall compensation. This employee perk gives you a stake in the company and incentive to perform. Not only should it be negotiated upon hire, but also leveraged to its full-potential as your career progresses. When times are good, it’s comfortable to continue taking shares, but what happens when the market sours? The looming recession is forcing
Tech Money Podcast: Using Technology to Make Estate Planning More Accessible with Martha Underwood
The process of assets changing hands from one generation to the next within a family is what we mean when we use the term "generational wealth." But in actuality, the next generation may not be equipped to manage the money they inherit. However, it is also true that family wealth can be diluted as it is divided amongst children and other heirs, especially if each has a different stance on how to i
Tech Money Podcast: What is Financial Independence?
It’s widely believed that work is something that is supposed to happen between the hours of 9 to 5, 40 hours per week, 5 days per week, 50 weeks per year, for 40 years, until age 65 or later. Then, and only then, are you allowed to think about and prioritize the people and things that matter to you the most. Or at least that’s how it seems. But in reality, you should also be spending your younger
Tech Money Podcast: Is ESG Investing More than Hype with Daniel Naim
Long gone are the days of investing solely for the bottom line. A growing percentage of investors want to put their hard-earned money behind organizations that align with their personal values. Some want to move away from a one-size fits all basket of blue-chip stocks, for one that supports initiatives that actually matter to them. While some may strictly invest in this manner as an outward expres
Tech Money Podcast: Understanding Your Investor Personality with Chris Hill
In this episode, Malcolm Ethridge sits down with friend of the show, Chris Hill, to discuss ways to identify and develop your own investor personality. Chris reflects on some of his best and worst investing decisions over the years. And the pair share some of their own rules for determining which stocks to buy and when.
Chris Hill discusses:
The difference between being a value or growth investo
Tech Money Podcast: Managing Financial Regret with Aja Evans
According to a recent survey conducted by Bankrate dot com, Americans’ biggest financial regret is not saving enough for emergencies. In fact, 20% of respondents gave this answer - even topping the reigning top response related to saving too little for retirement. And when broken down further, older millennials (36 percent) were more than twice as likely than baby boomers (14 percent) to say they
Tech Money Podcast: The Importance of Managing Your Own Personal Finances as a Founder
As a founder, it can be challenging to know when to make the shift from pouring every dollar you have into getting your startup off the ground to taking a few chips off the table to eventually paying yourself first. However, every business owner should begin to separate their own personal finances from the business as soon as possible for a few different reasons.
In this episode, Malcolm Ethridge
Tech Money Podcast: The Importance of Knowing Your Numbers as a Founder with Jason Ray
For startups, investors often put a lot of emphasis on cap tables. They want to see a diluted picture of equity ownership among you as a founder, any co-founders or partners, early investors, and key employees before they’ll seriously consider handing over a check to invest themselves in your company. That’s because a healthy cap table illustrates not only your business’s potential for growth in t
Tech Money Podcast: Estate Planning for Concentrated Equity Positions with Aaron Rubin
Though it may seem like a very distant and high-class problem that only the super-wealthy among us will ever have to contend with, for many tech workers who have accumulated a significant sized stake in their employer, it is not unlikely that estate taxes are something they will have to consider as a part of their overall financial plan. In fact, with the number of bills currently floating around
Tech Money Podcast: The Ins and Outs of Crypto Taxes with Micah Fraim
As anyone who has ever bought and sold any sort of digital asset in the last couple years can attest, the rules and regulations around reporting those transactions to the IRS can be very fuzzy. Coupled with the lack of information made available by the IRS itself, and the lack of general knowledge and adoption of crypto by the accounting community, it can be very tough for investors to make heads
Tech Money Podcast: Stock Options Trading 101 with Todd Rampe
A stock option is the right to buy a specific number of shares of either a stock or an index at a preset price. These options allow traders to speculate on the directional performance of a stock or index without owning the shares outright. For better or worse, options trading has now been democratized and made available to just about anyone, regardless of their individual risk tolerance, risk capa
Tech Money Podcast: The Importance of Mentorship as a Founder with Ron Bauer
In the simplest terms, a mentor is anyone who possesses more experience and knowledge than you in a given industry. They have skills you want to master in order to thrive. And you’d rather lean on their experience and expertise and learn from their mistakes, rather than having to go and make those same mistakes on your own.
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Tech Money Podcast: The Importance of Building Your Network in Real Life with Nick Gray
We’ve all heard the popular saying “it’s not what you know, but who you know.” But when you hear the word “networking,” how many of the feelings that start to bubble up are negative ones, such as anxiety, discomfort, and maybe even fear? And that word can be especially triggering for those who consider themselves introverts.
And while there have been several social media platforms and other tech t
Tech Money Podcast: Incorporating Precious Metals Into Your Diversified Portfolio With Patrick Yip
Historically, gold and other precious metals have been how we trade with one another across borders and globally. Gold bars were the original store value before there was such a thing as the US dollar. The gold standard was so consistent in its ability to maintain its value through varying economic cycles that we backed up our dollars with it. Incorporating precious metals into a diversified portf
Tech Money Podcast: Using Technology to Accelerate Your Influence as a Founder with Mark Lachance
One of the biggest problems that need to be solved almost immediately after launch is making some noise to let the public know you and your product or service exist. If not, no matter how good that product or service is, you likely won’t be in business for very long. And as daunting as it might sound, blitzscaling your content creation can be done; especially with the use of social media.
In this
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