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Payne Points of WealthPayne Points of WealthDon’t Let These 3 Investment Mistakes Sabotage Your Retirement Dreams!In this episode of Payne Points of Wealth, Bob, Ryan, Chris & Courtney dive into the critical mistakes that could derail your retirement plans. The recent market volatility caused by recent events like tariff announcements can significantly impact returns if you don’t make smart decisions with your money. We’ll explore three common missteps that investors often make: Doing Too Much: Reacting impulsively to market drops by pulling out investments can lead to missing subsequent recoveries. We’ll discuss why staying the course with a comfortable asset allocation is often the better strategy. Did you know that from 20...2025-06-1323 minPayne Points of WealthPayne Points of WealthCan Real Estate Survive Soaring Interest Rates? Pierre Debbas Weighs In!In this episode of Payne Points of Wealth, hosts Bob, Ryan, Chris, and Courtney explore the current state of the real estate markets in New York City and nationwide with Pierre Debbas, a leading NYC attorney and founding partner of Romer Debbas, LLP. They discuss the record highs of the NYC real estate market in 2021, driven by low interest rates and post-pandemic demand. With rising interest rates now making homes less affordable, they delve into the future of the market: Will rates continue to climb? Will the market cool down, or can prices surge again? P...2025-06-0646 minPayne Points of WealthPayne Points of WealthNavigating Economic Waves: Tariffs, Deficits & the Great Productivity Boom In Episode 205 of the Payne Points of Wealth, Bob, Ryan & Courtney dive deep into how the current economic environment is affecting your personal finances. We start by exploring what the stock market is really telling us about Trump’s Tariff War, The Big Beautiful Bill’s impact on our nation’s growing deficit, and what rising interest rates signal about the health of the US economy. And wow, are these factors affecting the financial markets? What does it all mean for your investment portfolio? Next, we shift our focus to the global productivity boom. Companies around the world...2025-05-2923 minPayne Points of WealthPayne Points of WealthFear & Loathing in Today’s Economy: Money Mistakes to Avoid Ep#203 Fear & Loathing in Today’s Economy: Money Mistakes to Avoid In episode 203 of the Payne Points of Wealth, Bob, Ryan, and Chris tackle the financial missteps that can jeopardize your economic well-being in today’s volatile market. Join us as we delve into: Panicking to Cash When the market takes a downturn, it’s natural to feel the urge to convert your investments to cash. However, this knee-jerk reaction can often lead to missed opportunities and long-term losses. We’ll discuss why it’s important to stay calm and consider the bigger picture before making drastic changes to your po...2025-05-1021 minPayne Points of WealthPayne Points of WealthCould Trump's Tariffs Drive Up Inflation & Plunge Us into a Recession?In episode 202 of Payne Points of Wealth, Bob, Ryan, Chris, and Courtney delve into the critical issues of tariffs, inflation, and their potential impact on the US economy. Join us as we unravel the complex interplay between these economic factors and discuss whether they might be signaling an impending recession. We analyze the latest economic data to uncover its true implications for American businesses and consumers. Additionally, we provide the Payne Capital playbook to strategically position your portfolio in a world where the dollar is depreciating, inflation fears are mounting, and stock prices are volatile. Don't miss this critical c...2025-05-0230 minPayne Points of WealthPayne Points of Wealth2025 Stock Market Volatility Survival Guide: How to Protect Your Wealth NowIn episode 199 of the Payne Points of Wealth, Ryan, Chris & Courtney discuss what proactive moves you can make with your investment portfolio to safeguard against the current market volatility, as the U.S. embarks on a global trade war. Join us as we discuss the right and wrong way to position your money right now to ensure your wealth remains secure, even in the face of economic uncertainty. We’ll cover: Understanding the Market Sell-Off: What led to the downturn and what to expect next Safe Haven Investments: Discover the most effective ways to protect your mone...2025-04-1123 minPayne Points of WealthPayne Points of WealthTerrifying Volatility & the Reign of Tariffs: Is Any Portfolio Safe?On episode 198 of the Payne Points of Wealth, Bob, Ryan, Chris, and Courtney break down the recent market sell-off as Trump 2.0 tariffs loom large over the global economy, threatening to trigger a US recession. With business uncertainty at an all-time high, investors are left wondering: Is any portfolio truly safe? Join us as we delve into the impact of trade wars, plunging AI stocks, and geopolitical conflicts on your current investments. We’ll discuss strategies to navigate these turbulent times, mitigate risks, and identify potential safe havens for your money. Whether you’re a seasoned investor planning for retirement or jus...2025-04-0428 minPayne Points of WealthPayne Points of WealthThe Stock Market Crash? 🚨 – Simple Strategies to Protect Your Wealth NOWIn this urgent episode of the Payne Points of Wealth, Bob, Ryan, Chris & Courtney dive deep into the recent stock market sell-off and its implications for your investment portfolio. With uncertainty over tariffs, economic and earnings growth high, it's more critical than ever to allocate your hard-earned money properly. Join us as we explore commonsense strategies to protect your portfolio during these turbulent times. From broadening out your investment exposure to understanding how to properly safeguard your assets, we share our playbook and insights to help you navigate the current financial storm. Don't miss out on this essential guide...2025-03-1424 minPayne Points of WealthPayne Points of WealthTrump Tariff Turmoil: A Time for Fear or Greed?In episode 195 of the Payne Points of Wealth, Bob, Ryan & Courtney discuss the recent stock market volatility and explore whether the Trump-era policies are to blame. Join us as we analyze the factors contributing to the current selloff, from trade wars to January’s weak economic data. We provide our expert insights on the market’s near-term outlook and offer actionable strategies for investors to grow and protect their wealth amidst uncertainty surrounding Trump 2.0’s new economic policies. Don’t miss this critical discussion on the forces shaping our financial landscape and the potential long-term impacts on your financial future.2025-03-0725 minPayne Points of WealthPayne Points of WealthFrom Zero to Billions: The Meteoric Rise of John CatsimatidisOn episode 194 of the Payne Points of Wealth, Bob & Ryan sit down with John Catsimatidis, a man whose journey from humble beginnings to billionaire status is nothing short of inspirational. Born on the Greek island of Nisyros and arriving in the United States as an infant, Catsimatidis’ story is a testament to the power of perseverance, hard work, and vision.   Join us as we explore how Catsimatidis built his empire, starting with grocery chains in Manhattan, expanding into the realms of real estate, oil, aviation, and radio through his Red Apple Group. Discover the challenges Joh...2025-02-2850 minPayne Points of WealthPayne Points of WealthWill President Trump Cause a Stock Melt Up or Melt Down!?In episode 191 of the Payne Points of Wealth, hosts Bob, Ryan, Chris, and Courtney dive into the possible effects of President Donald Trump's policies on the stock market. Could his administration trigger a dramatic surge in stock prices, or might it result in a severe decline? Tune in as we analyze historical trends, evaluate the current economic climate, and provide our expert insights on what could unfold under Trump's leadership—and how you can safeguard your finances. Whether you're currently retired, planning your financial future, or just beginning your savings journey, this episode is a must-listen! 2025-02-0726 minPayne Points of WealthPayne Points of WealthTop Investment Opportunities for 2025Welcome to episode 187 of the Payne Points of Wealth. In this episode, we discuss the current investing landscape and uncover the top long-term opportunities for 2025. Join Bob, Ryan, Chris & Courtney as they breakdown how to determine what are the right investments to own in your portfolio to help you secure your financial future.   We’ll explore the current state of the US economy and how Trump 2.0 policies may affect your net worth, highlight key areas to potentially allocate your capital and offer practical tips on diversifying your money. Whether you’re a long-term investor planning for retirement or just starting your we...2025-01-1025 minPayne Points of WealthPayne Points of WealthBrace Yourself: Are We on the Edge of Another Dotcom Bubble?In episode 186 of the Payne Points of Wealth, Bob, Ryan & Chris explore the alarming signs that suggest we might be on the verge of another Dotcom-like Bubble. With AI stocks and cryptocurrencies soaring to unprecedented heights and many public company valuations elevated, are we heading for a repeat of the early 2000s crash that wiped out $5 trillion in market value or does this Big Booming Bull Market have a lot further to run? Join us as we delve into the data, discuss current and past market conditions, and analyze the potential risks of today’s AI tech-driven economy and st...2024-12-1522 minPayne Points of WealthPayne Points of WealthStock Market Frenzy: Is the Melt-Up Over or Just Heating Up? 🔥📊Join us for Episode 184 of the Payne Points of Wealth as we dissect the current stock market frenzy. Is the post-election rally just getting started or are investors late to the party? Bob, Ryan, Chris & Courtney discuss the current market exuberance, provide a historical context to the current trading environment and share their insights on how to position your portfolio now. Whether you’re growing your wealth for retirement or just curious about the market’s wild ride, this episode is packed with valuable information and perspectives you won’t want to miss. Tune in to stay ahead of the cu...2024-11-2227 minPayne Points of WealthPayne Points of WealthTrump Presidency: How Will It Affect Your Investments? 📉💼 Episode 182In this episode of the Payne Points of Wealth, Bob, Ryan & Courtney discuss the potential financial impacts of a Trump presidency on your investment portfolio. From stock market volatility and tax policy changes to shifts in regulation and trade agreements, we cover it all. Join us as we explore: The potential for more persistent inflation and what it means for your investments. The impact of deregulation and potentially lower taxes for companies and individuals   The influence on interest rates and its implications for bonds, stocks and cash Tune in to get our latest thoughts and practical advice o...2024-11-0926 minPayne Points of WealthPayne Points of WealthScariest Retirement Mistakes No One Warns You About! 😱🎃Episode 188: The Retirement Horror Show   Welcome to a spine-chilling episode of the Payne Points of Wealth! As Halloween arrives, Bob, Ryan, Chris & Courtney dive into the scariest retirement mistakes that could haunt your golden years. From financial pitfalls to lifestyle blunders, these are the terrifying truths no one warns you about. Join us as we uncover the shocking realities and share tips to avoid these retirement nightmares. Don’t miss out—your future self will thank you! 2024-10-3122 minPayne Points of WealthPayne Points of WealthIs Inflation Making a Comeback? Find Out How to Protect Your Portfolio … In episode 180 of the Payne Points of Wealth, Bob, Ryan & Chris discuss the current economic landscape to answer the burning question: Is inflation making a comeback? Join us as we explore what factors may reignite inflation, its potential impact on your finances, and most importantly, how you can safeguard your investments. We will share actionable strategies to protect your portfolio and ensure your financial stability in these extremely uncertain times. Don’t miss out on this essential guide to navigating the challenges of a rising inflation environment! Tune in and stay ahead of the curve!  2024-10-2522 minPayne Points of WealthPayne Points of WealthElection Shockwaves: Are Your Investments about to Soar or Crash?Are you making the right decisions with your portfolio ahead of next month’s presidential election? In this episode of the Payne Points of Wealth, we break down the mistakes many investors are making before Americans head to the polls on November 5th. Join Ryan, Chris, and Courtney as they analyze historical trends, current market conditions, and how stocks typically behave once election uncertainty is over. Whether you’re retired now or building wealth for financial independence, this episode will help you block out the political noise and make smarter, more pragmatic decisions to grow your money long-term. Tune in no...2024-10-1921 minPayne Points of WealthPayne Points of WealthIs China’s Economy About to Collapse or Stage a Miraculous Recovery?Join Bob, Ryan, Chris, & Courtney as they dive into China’s recent economic turmoil amidst a massive financial stimulus package from Beijing. With headlines about a continued slowdown and whispers of a recovery, what’s the real story? Discover how China’s economic fate impacts global markets and your investment portfolio. Are you ready for a potential economic storm, or is there a silver lining ahead? Tune in for our latest insights on how to navigate these uncertain times!   Don’t miss episode 177 of the Payne Points of Wealth, to stay ahead and secure your financial future!2024-10-0525 minPayne Points of WealthPayne Points of WealthThe Tyranny of Human Nature: Are Your Emotions Sabotaging Your Investment Success?In this eye-opening episode of the Payne Points of Wealth, Ryan & Chris delve into the hidden forces of human nature that are quietly undermining your investment success. Join us as we explore the psychological traps and emotional biases that lead to poor financial decisions. From the fear of missing out (FOMO) to the allure of herd mentality, we uncover how these innate tendencies can sabotage even the most well-thought-out investment strategies. Tune in to learn practical tips and strategies to recognize and overcome these pitfalls, empowering you to take control of your financial future and achieve lasting success. Whether y...2024-09-2721 minPayne Points of WealthPayne Points of WealthThe School of Bob: Timeless Investment Principals We Learned at HomeIn the latest episode of Payne Points of Wealth, we explore the foundational investment principles imparted by Bob, whose eminent investing career spans over five decades. Join us as we delve into the timeless strategies and philosophies Bob has developed and shared with Ryan and Chris, shaping their financial beliefs, and becoming the guiding principles of our Firm, Payne Capital Management. From understanding how human behavior influences financial markets to the value of being a lifelong learner, this episode is packed with practical advice and personal anecdotes that underscore the enduring relevance of Bob’s teachings. Whether you’re just...2024-09-1529 minPayne Points of WealthPayne Points of WealthThe Real Reason Cash is (Still) Trash in Today’s Economy⚠️🚨In episode 172 of the Payne Points of Wealth, Bob, Ryan & Chris dive deep into the financial landscape of 2024 to uncover why cash, even if it is parked in a 5% money market fund remains a poor choice for your wealth. Join us as we explore the hidden truths and expert insights that reveal the pitfalls of holding onto too much cash in today’s rapidly evolving economy. From inflation to investment opportunities, we’ll break down the factors that make cash a liability rather than an asset. Tune in to learn how to protect and grow your wealth in a world...2024-08-3020 minPayne Points of WealthPayne Points of WealthMoney Market Funds: The Silent Wealth Killer??Are money market funds dangerous for your financial health? In the latest episode of The Payne Points of Wealth, Bob, Ryan, Chris & Courtney discuss the implications to your financial health, sitting with too much money in cash, even if the interest rate is high. 2024-06-2923 minPayne Points of WealthPayne Points of WealthThe Maria Bartiromo InterviewMaria Bartiromo made history in 1995 as the first journalist to report from the New York Stock Exchange - let alone the first female journalist to do so in a sea of suits. We are so happy to speak with her today on this episode 157 of Payne Points of Wealth.   Maria’s story is a classic American story. From an immigrant family that understood the value of hard work, this Brooklyn girl reached for the stars and made a name for herself as a top financial journalist.    Maria has covered business and the econ...2024-04-2544 minPayne Points of WealthPayne Points of WealthParallels between Home Renovation and Financial PlanningRotation from tech? It’s episode 156 and economic growth is expected to be close to 3% for the first quarter. Also, we’ve seen tech selling off a bit with areas like energy, materials, and commodity-based companies starting to do really well, especially with oil prices going up. “..small and mid-cap infrastructure stocks are blowing the doors off of technology in terms of performance...”  – Bob Payne On the Tipping Point, we talked to our guest and colleague Jennifer Angell, CFA® who recently renovated her condo in Miami. We discuss some of the parallels between financial planning and home renovati...2024-04-0525 minPayne Points of WealthPayne Points of WealthThe Entrepreneurial TrackIn this episode, Ryan and Chris talk to Ryan’s good friend and entrepreneur, Scott Tantino, who owns two running stores just outside of Philadelphia - North Wales Running Company and All Kinds of Fast. The topics range from how Scott decided to invest in opening a running store to his work/life balance, the value of great service in retail, how he navigated the pandemic shutdown, hiring challenges, and much more. Join us for this episode of Payne Points of Wealth. 2024-02-0430 minPayne Points of WealthPayne Points of WealthWill Nvidia be the Cisco of 2024? Ep. 146 Payne Points of WealthStock Market Bubble Ready to Burst!? It’s episode 146 and the weighting of tech in the S&P 500 is starting to resemble the index back in ’99-2000 before the tech bubble burst. We'll talk about the red flags.  On the Tipping Point, Ryan tests Bob's 55 years of experience with a financial planning "fill in the blank" quiz. Join us for this episode of Payne Points of Wealth. 2024-01-2625 minPayne Points of WealthPayne Points of WealthAre robots taking over? Ep. 135This week the 3 Paynes talk shop with fellow wealth manager, Adam Johnson, founder of the Bullseye Brief newsletter. Previously, Adam anchored on Bloomberg Television, interviewing CEOs, heads of state, and prominent investors. He has decades of investing experience at Wall Street firms. If you watch Fox Business, you’ve probably seen Ryan and Adam discussing the market with Maria Bartiromo. Some of the other topics discussed in this episode are inflation, the Fed, how robotics are improving productivity and company margins, why the media loves negativity, oil prices, the psychology of investing, and more! Join us for th...2023-09-2834 minPayne Points of WealthPayne Points of WealthIs the Bond Market Playing Chicken With The Fed? It’s episode 111 and the news continues to get better as we move into February. The Federal Reserve sounds like it might actually be open to a pivot sometime this year. Their hawkish policy looks like it may be over as inflation continues to come down. Interest rates continue to fall and earnings season hasn’t been amazing but hasn’t been that bad either. So questions about a recession are still a big question mark. Well, we’re going to talk about that today. We’re going to talk about questions you need to be asking yourself right now to mak...2023-02-0825 minPayne Points of WealthPayne Points of WealthShould investors be following the George Costanza strategy? It’s episode 110 and the economic data continue to come in strong. GDP growth for the 4th quarter was better than expected. We’re seeing earnings growth relatively strong for the 4th quarter and guidance is not falling off a cliff. The data is coming in much better than what’s been anticipated on Wall Street and the market is following suit. We’re in a bull market. Prices are going higher. But is this a fakeout? Do you need to get to the sidelines right now? Is the economy ready to fall off a cliff? Or is this the real...2023-02-0123 minPayne Points of WealthPayne Points of WealthYour EGO is Destroying Your Financial Independence!? Ep #107It’s episode 107 of Payne Points of Wealth and economic data continues to come in relatively strong. Meanwhile, inflation is starting to plummet, whether it's oil prices, lumber costs, supply chains easing. We're starting to see some relief within the economy. Is this a good thing? Is this a bad thing or is this just a fake out? As Wall Street continues to tell us the economy is about to fall off a cliff? On the Tipping Point, we're going to talk about your EGO and why it's ruining your financial independence plan. You will want to hear thi...2022-12-1425 minPayne Points of WealthPayne Points of WealthDon’t Invest In The Market You Want, Invest In The Market You Have, Ep #106What's up! It's episode 106 of Payne Points of Wealth and the economy is looking a-okay! We've got the market rebounding into the end of the year. We've got wages going up, unemployment still low, and inflation is coming down. Are those economists and strategists on Wall Street actually, right? Are we going to fall off a cliff? Are we going to recession? Well, we're going to give you our viewpoint on that. We'll also give you our 2 cents on exactly where the economy's going. On the Tipping Point, we've got a special guest, Anthony O'Neill, a debt specialist. He's...2022-12-0735 minPayne Points of WealthPayne Points of WealthThe Market Is Smarter Than Everybody!, Ep #105What's up! It's episode 105 of Payne Points of Wealth and the economy continues to chug along. We had retail spending up even with record-high inflation. We're starting to see on the ground floor inflation coming down, and unemployment is still strong, yet every economist and strategist still say we're going to fall off a cliff. We're going to address that today. We've seen a huge rally in the global markets over the course of the last couple of weeks, specifically internationally. Should you be playing that in your portfolio? Well, we're gonna break it down for you. Check it...2022-11-3023 minPayne Points of WealthPayne Points of WealthIf You Want To Be Wealthy You’ve Got To Be Patient, Ep #103What's up! It's episode 103 of Payne Points of Wealth and the FED just doesn't want us to have a good time. J Powell, again, talking extremely hawkish in its comments as we're recording this. However, we've got a hot job market, unemployment is still staying extremely low, close to a 50-year low. We just keep adding jobs and wages continue to go up as this economy is still on solid footing. Should we be rooting for a bad economy or rooting for a good economy? Well, we're going to give you our view. On the Tipping Point, we're going...2022-11-0926 minPayne Points of WealthPayne Points of WealthInvesting Is Not A Competitive Sport!, Ep #102What's up! It's episode 102 of Payne Points of Wealth and tech is dead! Our prophecy has come true. We've warned you about tech for a long time. Meanwhile, markets are rallying hard here and the economy is actually growing despite what all those economists have been telling you. Is this just a big fake-out? Is this a bear market rally? Are we going into a big recession next year? We're going to give you our 2¢ on that today. We're going to tell you exactly how to play all the market moves and how to look at the economy right n...2022-11-0227 minPayne Points of WealthPayne Points of WealthThe Dirty Secret Of The Financial Industry, Ep #101What's up! It's episode 101 of Payne Points of Wealth and earning season is not so bad. Bank earnings looking relatively strong. Everything's still in the backdrop of what is the FED going to do. Are they going to keep raising interest rates? Are they going to pause? Are they going to start lowering interest rates? Nobody really knows. Meanwhile, the market's like a rollercoaster ride up one day and down the next. It can't really find any footing and uncertainty is high. Russia is still in invasion of Ukraine. Sounds like Xi Jinping is the ultimate ruler forever of...2022-10-2828 minPayne Points of WealthPayne Points of WealthThe Greatly Exaggerated Death Of The Consumer, Ep #98What's up? It's episode 98 of Payne Points of Wealth and it's officially apocalypse now! The FED will not relent with interest rates. They're going to be more hawkish than ever. It seems like bad news comes on the installment plan, Putin is looking to double down on his war in Ukraine. Is this the end? Is everything going to fall off a cliff? We're going to give you our view today, we're going to tell you exactly what we think you should be doing right now with your money to make sure that you're in the best position given...2022-09-2922 minPayne Points of WealthPayne Points of WealthCan You Pass Financial Independence Pop Quiz?, Ep #91What's up! It's episode 91 of Payne Points of Wealth and we're getting mixed emotions from the economy in the stock market as we're in the midst of earning season. Surprise, surprise earnings are not looking as bad as Wall Street is wanting you to believe. We're going to break it down and give you our view on what's going on with earnings right now. What we see right now with the economy, the labor market, inflationary pressure, everything everyone's talking about, we're going to give you the Payne view.  On the Tipping Point, we have guest Aaron D...2022-07-2726 minPayne Points of WealthPayne Points of WealthExposing Financial Untruths, Ep #86What's up! It's episode 86 of Payne Points of Wealth and the sky is literally falling. We're in an official bear market now in the S & P 500. NASDAQ is down over 30%. The headlines get direr by the day. War continues in Eastern Europe. And Bitcoin, we warned you about Bitcoin, is melting down. Well, we're gonna break it all down for you today. We have a special guest on the show today, Lee Robinson, co-founder, and CIO of Altana Wealth, an asset management firm running all different hedge fund strategies. He predicted the credit crisis between 2007 and 2009. He's seen a...2022-06-2524 minPayne Points of WealthPayne Points of WealthCoping With Volatility… Are Your Emotions In Check?, Ep #85What's up! It's episode 85 of Payne Points of Wealth and some days the market goes up, some days the market goes down. Some days interest rates go up, and some days they go down. So what's going on right now? Which way is the market blowing? We're going to talk about what we think is going to happen with the market and the economy. Are we going to go into this recession that more and more economists are talking about? And is inflation done with? Are we going to see peak inflation now or is it going to keep...2022-06-2222 minPayne Points of WealthPayne Points of WealthIf You’re Sitting In Cash Right Now… What Are You Waiting For?, Ep #84What's up! It's episode 84 of Payne Points of Wealth! Markets Go Up, Markets Go Down, Markets Go Sideways! We have no idea where the direction of the market is going right now. It's crazy out there. We've got good manufacturing data. We've got good employment data. Yet, it seems like something is looming on the horizon. We're gonna break it down for you. What our view is of the economy right now and how to position your portfolio best given all the uncertainty in the world. On the Tipping Point today, we've got lots of questions from you the...2022-06-0822 minPayne Points of WealthPayne Points of WealthAre You A Do-It-Yourself Investor Or Is It Time To Go Pro?, Ep #82What's up! It's episode 82 of Payne Points of Wealth. Another day and more of the same issues. Major volatility in the stock markets as interest rates continue to go higher. The FED continues to tighten monetary policy. In addition to that supply chains are still an issue as China is on some sort of lockdown. In addition to that, we still have war in Eastern Europe. What do you make of everything? More economists every day calling for a recession. We're gonna give you our view on exactly what's going on right now in the economy and what you...2022-05-1323 minPayne Points of WealthPayne Points of Wealth4 Paynes in a Pod with Charles Payne, Ep #81What's up! It's episode 81 of Payne Points of Wealth and we have a very special guest for you today, Mr. Charles Payne, from Making Money with Charles Payne on Fox Business. He is also the Founder and CEO of Wall Street Strategies, Inc., an independent stock market and equity research company. Charles talks about his life philosophy, his journey to success, and the state of Wall Street today.  We're also going to talk about all the volatility in the market. We've got a recession potentially on the horizon, negative GDP growth in the first quarter, and earnings com...2022-05-0440 minPayne Points of WealthPayne Points of WealthWhat You Need To Think Of At Each Stage Of Your Financial Journey, Ep #80What's up! It's episode 80 of Payne Points of Wealth and inflation is now officially at a 40+ year high! The highest level since December of 1981! Are we finally there? Is the economy going to go off a cliff or is the fact that you couldn't get a ticket to Miami to go for the weekend say that the economy's in really good shape? We're gonna explain that for you today. We're going to talk about every stage of your financial life, whether you're 20, 30, 40, 50, 60, 70, or 80 and what you need to be thinking about right now to make sure you're going to...2022-04-2025 minPayne Points of WealthPayne Points of WealthFalse beliefs that could be ruining your financial life, Ep #78What's up! It's episode 78 of Payne Points of Wealth and markets have sparked a huge rebound over the course of the last couple of weeks. Ending the quarter, just down a little bit for the year. So what's the deal? Is this just a dead cat bounce? Markets are ready to fall off a cliff, we're going into recession because of high inflation, or is this beginning of a huge booming bull market as the economy chugs along? We're going to give you our thoughts on that, our viewpoint on where things are going today. And on the tipping...2022-04-0622 minPayne Points of WealthPayne Points of WealthFinding Forgotten Assets Are Better Than Finding $$ In Your Pants!, Ep #77What's up! It's episode 77 of Payne Points of Wealth and the market's finally finding some footing. We're getting some big up days. Is this just a bear market rally—a fake out—or is this the real deal? Are we're going to see all-time highs this year? We're going to talk about that along with the fact that we have interest rates...going up, oil prices...going up...inflation…going up! Are we going into a recession? So many economists are talking about it for 2023. We're going to tell you what we think you should be doing right now. On the...2022-03-3022 minPayne Points of WealthPayne Points of WealthGetting Your Mind Right When Setting Realistic Goals For Financial Independence, Ep #75What's up! It's episode 75 of Payne Points of Wealth and the war is intensifying in Ukraine. Interest rates are moving higher. Markets are all over the place. Volatility is insane right now. There are lots of questions about the economy, the price of commodities, the price of oil. Is it going to put us into a recession? We're hearing a lot of talk about that. We're going to give you our vantage point today. How to play it, how to invest your portfolio. We're also going to talk about how you set goals for your financial independence? What do...2022-03-1621 minPayne Points of WealthPayne Points of WealthAnnuities As Inflation Hedges?…NEVER!!!, Ep #74What's up! It's episode 74 of Payne Points of Wealth, Russia is moving further into Ukraine and markets are going haywire. The volatility's extreme right now. We know the FED is raising interest rates next month but what does this mean right now? Is it time to go to cash or is it time to take advantage of the volatility to create your wealth long term? We're gonna break it down for you from our vantage point. We're also going to talk about annuities today. Annuities aren't bought they're sold. Is it a good investment or a bad investment to...2022-03-0923 minPayne Points of WealthPayne Points of WealthGenerating Income with Frankie Lagrotteria, Ep #73What's up! It's episode 73 of Payne Points of Wealth and the sky is literally falling, as we're recording this Russia is invading Ukraine. We've got financial conditions tightening as global banks around the world are raising interest rates. Is this the end? Are we going to a big, BIG bear market? Are we going into recession? Or is this the buying opportunity of a lifetime? We're going to give you our 2¢ on that. We're also going to tell you exactly what to do with your money.  On the tipping point today, we have a special guest, Frankie La...2022-03-0224 minPayne Points of WealthPayne Points of WealthFinancial Planning Olympics, Ep #72What's up! It's episode 72 of Payne Points of Wealth and we have the three R's right now, 'Russian', 'Repricing', and 'Rates', you’ll want to listen to hear what that’s all about. The market isn't going anywhere fast as it's trying to find its footing. We're going to give you our outlook for what we think is going on right now and how you should position your portfolio. On the Tipping Point today, I know you're not watching the Olympics—nobody's watching the Olympics, but we're gonna talk about the Financial Olympics to make sure that you can be fin...2022-02-2326 minPayne Points of WealthPayne Points of WealthWisdom from Ben Franklin, Ep #71What's up! It's episode 71 Payne Points of Wealth and markets are trying to find their footing as unemployment is coming down. More people are getting jobs, labor participation rates are going up. The FED? We have no idea what the FED is going to do. They're keeping it a secret. All the while we're seeing wages go up, we're seeing productivity in the economy go up, and we're seeing pessimism amongst investors. What does it all mean? We're going to break it down for you today and we're going to talk about one of our favorite Americans Ben Franklin...2022-02-1625 minPayne Points of WealthPayne Points of WealthThe Truth Will Set You Financially Free, Ep #70What's up! It's episode 70 of Payne Points of Wealth. The year is starting off with lots of uncertainty about the Fed. What are they going to do with interest rates? You've got every firm out there predicting that it's going to be apocalypse now with interest rates being hiked seven, eight times, heck even nine times! Who knows! But what does that mean for the markets? Is the economy slowing? Is it slowing too much? Are we going to see that recession that we're hearing about every single week? We're going to tell you exactly what our playbook is...2022-02-1022 minPayne Points of WealthPayne Points of WealthWhat Do We Really Mean When We Say We Don’t Want to Retire?, Ep #69It's episode 69 of Payne Points of Wealth and markets are literally falling apart right now! Are we going into a bear market? Is this the end? There are a lot of economists calling for a recession.  We went through a period in the last couple of years where the hottest stocks in the market were something called pre-revenue companies. In other words, they weren't making any money, but they got all the money from newbie investors, investing in innovation and disruption. Well, we are seeing disruptive technology getting destroyed, whether it's Bitcoin, Peloton, or Tesla it’s get...2022-02-0225 minPayne Points of WealthPayne Points of WealthSimple, Underrated Philosophies You Can Use, Ep #67What's up! It's episode 67 of Payne Points of Wealth, and the FED is going to release its triple threat as they taper their bond-buying. As they're going to start to unload their balance sheet and raise interest rates, maybe four times this year, it looks like the world has changed. What do you do now? We’ve got the market going up. We’ve got strategists telling you that we're going to get a big correction in the stock market. Are you going to get it? We'll unravel it for you, tell you exactly what we think about this year...2022-01-1921 minPayne Points of WealthPayne Points of WealthHow to Start 2022 RIGHT With Your Financial Plan, Ep #66As the new year comes in, the economy is FULL of economic news you need to know. The Federal Reserve is more hawkish than ever with some unprecedented moves, tech stocks are being hit hard, interest rates are soaring, and oil prices are rising — all things that we predicted were going to happen to a large degree. How can you start the year off right with your financial plan? On this episode we’re going to tell you, including how to dig into your portfolio and assess how your biggest financial assets are likely being underutilized. You...2022-01-1223 minPayne Points of WealthPayne Points of WealthMarkets Rebound Hard and Wall Street’s Hidden Fees, Ep #64Is it possible we’re heading into the proverbial “Santa Claus” rally here at the end of the year? It’s crazy to consider given that we just experienced one of the biggest sell-offs in market history just last weekend. In this episode you’ll get all three of us weighing in on what’s going on as well as our thoughts about how Wall Street loves to gouge investors with fees of all kinds. We’ll educate you about how you can avoid as many of them as possible, so stick around and listen to this episode.  You will want t...2021-12-1521 minPayne Points of WealthPayne Points of WealthHigh Earnings, Bond Rates Rising, & Inflation, Ep #62To quote Led Zeppelin,”The Song Remains the Same!” This great earnings season we’ve been experiencing continues, with companies experiencing their best performance in 7 years. In addition,the status quo is likely going to continue as we see Jerome Powell renominated as the Federal Reserve Chairman. That means interest rates are likely to increase next year. And that will have an opposite impact on the bond markets.  Going into the last month of the year, what does all this mean for your investments? We’ll break it down on this episode. And in this episode’s...2021-12-0126 minPayne Points of WealthPayne Points of WealthThe Only Hedge Against Inflation, Ep #61Inflation is hitting 40 year highs and investors are aggressively jumping into the market to make up for what they’re losing. But is that the best approach? Other investors are keeping their powder dry by holding cash… but history has proven that holding cash is a losing proposition from the start. How can you hedge against inflation effectively? This episode is focused on answering that question, and not based on opinion, but on facts that have come to light through the course of history. Find out what your only real hedge against inflation is, on this episode. You will...2021-11-2423 minPayne Points of WealthPayne Points of WealthFinancial Sabotage: Are You The Biggest Foe Of Your Own Financial Independence?, Ep 60What's up! It's episode 60 of Payne Points of Wealth! Hard to believe we're 60 episodes in! We've got late nineties stock market fever. Literally, everything is going up right now. We've got a huge melt-up. It's starting to look a lot like the late nineties when those internet stocks were just rocking. We're going to tell you why we think this is a lot like the late nineties. We'll hit on what you have to be careful about because there are bubbles forming, what you need to avoid in your portfolio and inflation. On the tipping point today, we're going...2021-11-1723 minPayne Points of WealthPayne Points of WealthPicking A Retirement Date -vs- A Retirement Amount, Ep #57What's up! It's episode 57 of Payne Points of Wealth and the all-asset melt-up is upon us! Everything is going up right now. Oil prices are surging to all-time record highs every single day. Bitcoin, all-time record highs. Stocks, all-time record highs. What should you be doing right now? Is this a big bubble? Can it continue? We're gonna break down exactly what's going on in the market. We're also going to talk about your financial independence. Do you have a date when you want to be financially free or retired? We're going to show you exactly how to pick...2021-10-2724 minPayne Points of WealthPayne Points of WealthLet’s Play Financial Jeopardy, Ep #52Welcome back for episode 52 of Payne Points of Wealth. That’s one full year of musings from the Payne boys! We’re glad you’ve stuck around! Well, Labor Day is over and we are officially in the fall season! Cryptocurrency is apparently one of the primary currencies in El Salvador now. The world is getting crazy as always. We're starting to see a little bit of a slowdown in the economy. If you looked at the employment numbers that came out (while we're recording this), they came in weaker than expected. There's a lot of economists, a lot of str...2021-09-1522 minPayne Points of WealthPayne Points of WealthInvesting Through the Ages, Ep #51This is episode 51 of Payne Points of Wealth. You can't stop this market. We can't stop this market. The market is literally at all-time record highs every single day. We've got some news from the FED signaling that they're not going to raise interest rates anytime soon. A very bullish time which means the world's going to stay washed in cash. The Delta variant of the coronavirus seems to be slowing down a little bit, as we're recording this. Giving us some light at the end of the tunnel with what's going on with the economy. We're going to...2021-09-0827 minPayne Points of WealthPayne Points of WealthThe Pulse of America with Kristan Vermeulen, Ep #50What's up! It's episode 50 of Payne Points of Wealth, hard to believe we're 50 episodes in and we've been doing this podcast for a year. We thank you for your support. As always, there is a lot going on right now in the economy and the stock market. We have the Delta variants still running rampant around the world. Is it going to slow the economy down is the big question on the investor's mind? As we're recording this right now, the government's looking to pass trillions of dollars. What impact is that going to have on the economy? What...2021-09-0128 minPayne Points of WealthPayne Points of WealthMindless Diversification, Ep #47It's episode 47 of Payne Points of Wealth and it's rinse, wash, repeat as earnings just keep coming in better and better as of this recording. Tech companies are coming out with earnings this week, and they're just blowing the doors off estimates. No surprises there. Meanwhile, this new variant of the COVID virus is running rampant around the globe. Is that going to slow economic growth? Is that going to be a problem for the stock market? And Bitcoin is having a revival. Is Bitcoin the currency of the future? Maybe it is now. We're going to break it...2021-08-1125 minPayne Points of WealthPayne Points of WealthFrom Market High to Market High...One Cold Day Doesn’t Make a Winter, Ep #46What's up! It's episode 46 of Payne Points of Wealth and it was a crazy week on the street of dreams. We had a mini sell-off or mini correction on Monday as markets looked like they were ready to crash, but markets were marching higher by Tuesday. Earning seasons got off to an awesome start! Company’s earnings are blowing away estimates, Economic data keeps coming in stronger and stronger. Is the party going to continue? What's going to happen between now and the end of the year? We're going to give you our viewpoint on exactly what's going on ri...2021-08-0421 minPayne Points of WealthPayne Points of WealthLabor, Inflation, Shortages, Earnings, and Goals! Ep #45It's episode 45 of Payne Points of Wealth. As I'm recording this right now, inflation numbers are through the roof! We’ve been warning you about it. Everyone's saying inflation has been transitory, but apparently not. Inflation numbers came in way higher than expected. We're in the midst of earning season. Companies are crushing their earnings right now. So that coupled with inflation, what does it mean for you? What does it mean for your portfolio? What's our view of the economy? We're going to break it down for you today. On the tipping point, we're going to talk about yo...2021-07-2121 minPayne Points of WealthPayne Points of WealthShould You Have a Covered Call Strategy in Your Portfolio?, Ep #44What's up! It's episode 44 of Payne Points of Wealth and we saw a market correction this past week or a little bit of a sell-off, but the major indices now sit at all-time highs again as I'm recording this. But the question is out there... is the market topping out? Are we starting to see a peak? Is the market ready to crash? Is this sugar high, those trillions of dollars, that the government's created finally coming to an end? We're going to break it down for you and give you our view of the rest of the year...2021-07-1423 minPayne Points of WealthPayne Points of WealthWho Cares What the Fed Says! The Market Will Determine Rates Long Before They Do, Ep #43It's episode 43 of Payne Points of Wealth and the major indices continue to March higher. Everything is focused on the fed right now. Are they going to raise interest rates? Are they going to do it next year? The year after? Is the economy getting too hot? Is it going to slow down? Are we just going to get one big burst of demand from people with their stimulus checks before everything slows down and the market crashes? Well, that's what's on investor's minds today. We're going to address all those issues. We're going to give you our playbook...2021-07-0724 minPayne Points of WealthPayne Points of WealthPain Points When It Comes To Your Finances, Ep #42It's episode 42 of Payne Points of Wealth and the Fed has come out and admitted that inflation might not be transitory. Just like we've been telling you week after week. They're looking to maybe raise interest rates sooner than expected. No kidding! However, in other news, the bond market interest rates actually went down. So what's the deal? Is inflation transitory? Is inflation here to stay? Are interest rates going higher, lower? We're going to break it down for you today on the show. On the tipping point, we're going to talk about pain points that you have when...2021-06-3025 minPayne Points of WealthPayne Points of WealthThree Forces That Determine Everything, Ep 41What's up! It's episode 41 Payne Points of Wealth. As always, a lot is going on right now. We're starting to see inflationary pressures cool off a little bit. Tech stocks on the move again. Is it time to adjust your portfolio? Is inflation really transitory? The Paynes are going to break down the three major forces that are driving everything economically right now, everything in your portfolio that you need to know about. And on the tipping point today, we're going to talk about doing research. There's a lot of good ways and bad ways you can educate yourself...2021-06-2328 minPayne Points of WealthPayne Points of WealthBeware of the Shiny Brochure, Ep #40Welcome to episode 40 of Payne Points of Wealth! Major indices aren't going anywhere fast. If you look at the Dow and the S&P we're basically in the same place now as the last two months. The NASDAQ—big tech— has been in the same place since mid-January. When you start looking under the surface cryptocurrencies are getting rocked right now. That inflationary pressure we've been talking about, we're still seeing it in commodity prices. As we're recording this oil is going through the roof! This big rotation continues to happen. We're going to talk about strategically what you need...2021-06-0223 minPayne Points of WealthPayne Points of WealthFrom Common Questions to The Right Questions?, Ep #39HELLO Americans! It's episode 39 of Payne Points of Wealth and crypto is getting crushed! There's so much going on right now. Looks like we’re going to have a bonafide labor shortage going into the end of the year. We’ll hit on that great rotation we're talking about a week after week. Tech is bleeding money. We're seeing all those work from home stocks get destroyed. But commodity prices are going up. How do you make sense of any of this?  We're going to give you our playbook today and we'll discuss exactly how we see the n...2021-05-2624 minPayne Points of WealthPayne Points of WealthThe Last 10 Years Aren’t Going To Look Like The Next 10 Years, Ep #38What's up! It's episode 38 of Payne Points of Wealth and inflation is officially here! Not that you didn't know (and feel) that already but last week the official numbers came in and they were way higher than expected. Surprising the markets, surprising economists, but not surprising you and me. We knew the cost of everything was already going up. We know inflation is real. We know rotations going on. Companies can't hire fast enough. We've got a labor shortage. It's getting crazy out there!  On our tipping point segment today we are talking about what's going on w...2021-05-1921 minPayne Points of WealthPayne Points of WealthSimplicity Over Complexity, Ep #37What's up!! It's episode 37 of Payne Points of Wealth and earning season is upon us. Companies are blowing the doors off earnings. Tech stocks have put mind-blowing numbers up there on the earnings board. Yet tech stocks are doing nada! Meanwhile, commodity prices are going up. Real estate investment trusts are going up. Value stocks are going up. There's a lot going on in the market.  How do you play it? Is tech finally dead? Should you get out or move your money around? We're going to break it down for you today. And on our Tipping P...2021-05-1223 minPayne Points of WealthPayne Points of WealthInflation, Bonds, & Bitcoin with Kenny Polcari, Ep #36Hey, what's up! It's episode 36 of Payne Points of Wealth. We've got a special guest for you today, Kenny Polcari. He's Managing Partner at Kace Capital Advisors, Chief Market Strategist at Slatestone Wealth, and Managing Director at Campfire Capital. Most importantly, he was one of the most famous stock exchange traders going back to the ‘80s and no one gives you a better tour of the New York Stock Exchange than Kenny! We're going to talk with him about what's going on with inflation, the economy, and investing. On the tipping point, we're going to talk about bonds. Bonds ar...2021-05-0526 minPayne Points of WealthPayne Points of WealthCalling All Financial Procrastinators! This Show is for YOU!, Ep #35It's episode 35 of Payne Points of Wealth and we're going to talk about everything going on around the globe. People are spending, Americans love to spend, but so does the rest of the world. We're seeing people spending money everywhere. Inflation continues to kick in just like we told you. We're looking at economic growth at the end of the year that's going to blow your mind. So how do you play it? How do you position your portfolio? You've got Coinbase going public. Crypto is going crazy and so is the world! We're going to give you some...2021-04-2822 minPayne Points of WealthPayne Points of WealthFinancial Products Don’t Sell Themselves And Those Who Sell Them Don’t Do It For Free, Ep #34Welcome to episode 34 of Payne Points of Wealth. We're going to talk about the roaring ‘20s today! There is so much going on. The economy's revving up and earnings are going to heat up as we begin earning season. Wondering what you need to do with your portfolio? Taxes are probably going up and we're going to give you strategies. On the tipping point, we're going to talk about the fine print. The financial industry always has caveats with what they're trying to sell you. We're going to give you the buyer beware and show you exactly what to lo...2021-04-2120 minPayne Points of WealthPayne Points of WealthSome Like It HOT...We Prefer Profitable!, Ep #33What's up! It's episode 33 of Payne Points of Wealth and the economy right now is hot. Make no mistake, we've talked about it week after week and it's happening. Unemployment is coming down way faster than expected. Consumers are buying more goods than expected and supply chains are on fire!  Today we're going to talk about exactly what you need to be doing in your portfolio, what you need to anticipate, and what this means for the global economy? On our Tipping Point segment, we're going to talk about conflicts of interest. Believe it or not Wall S...2021-04-1422 minPayne Points of WealthPayne Points of WealthLearning a Payneful lesson, there are no new eras in investing, Ep #32It's episode 32 of Payne Points of Wealth, we’ve got the news in plain sight, you've seen the headlines, and we give you the real story. The real story is mean reversion! Investors are learning a "Payneful" lesson, a trend we identified on this show months ago, and that is technology stocks are starting to sell-off. You might be wondering what’s a mean reversion? How does it work? We're going to break it down for you and explain why it's so important to understand as you're building your investment portfolio.  On the tipping point, we're going to pi...2021-04-0722 minPayne Points of WealthPayne Points of WealthAre You Positioned For Last Year or is Your Portfolio Thinking Ahead?, Ep #31It's episode 31 of Payne Points of Wealth and the great reopening is upon us! If you think it's not, all you have to do is look at Miami right now. It's spring break. There are no rules! Everything's open and people are going crazy. You can almost imagine what the rest of the world is going to look like as we slowly recover and reopen throughout the rest of the year. Again, what the three of us have been talking about week after week is that the economy's going to boom. It's going to be red hot! It's coming. ...2021-03-3125 minPayne Points of WealthPayne Points of WealthQuestions To Ask Yourself When It Comes To Risk In Your Portfolio, Ep #30What's up! It's episode 30 of Payne Points of Wealth! The economy is opening up at warp speed. We literally have had a hundred million COVID-19 vaccine doses administered as of the recording of this podcast. The economic data is looking better and better. We're seeing a huge rotation in the stock market— that we identified for you months ago.  The world is changing. The world is shifting. The world is opening up. We're going to talk about how you need to play that in your portfolio and what you need to be thinking about with regards to the...2021-03-2425 minPayne Points of WealthPayne Points of WealthThe Urgency Of Financial Planning, Ep #29It's episode 29 of Payne Points of Wealth — tech is starting to dive and old-school stocks are starting to win. In the last week, we've seen the NASDAQ have a 10% correction while the Dow Jones Industrial Average— the old school index— hit an all-time record high. The economy’s reopening, old school -vs- new school, is this trend going to continue? We are also going to talk about what catalysts in your financial life are going to get you going to make sure that you're getting all your ducks in a row when it comes to all the financial things. It’s a g...2021-03-1723 minPayne Points of WealthPayne Points of WealthThe Most Important Age to Focus on Your Financial Plan is...RIGHT NOW!, Ep #27It's episode 27 of Payne Points of Wealth and inflation has arrived. Don't say we didn't warn you. We've talked about inflation and now it's here. Commodity prices are going through the roof as energy prices are up over 20%, lumber prices are up over 50%, and corn is up over 30%. The cost of living is going up. How do you position your portfolio? We're going to show you exactly how to invest your money. We’re also digging into what you should think about when you're 30, 40, 50, 60, when it comes to your financial plan? We're going to tell you exactly what you ne...2021-03-0325 minPayne Points of WealthPayne Points of WealthIronic Things When It Comes To Investing, Ep 26It's episode 26 of Payne Points of Wealth and money is pouring into the stock market. Two weeks ago, we had over $58 billion go into exchange traded funds, mutual funds, and money jammed into energy as the animal spirits are alive and well. How do you play it? What do you do next? Greed is definitely seeping into the market, what are you doing with your portfolio right now that also speaks to greed. Are you being greedy? Are you being disciplined with your investment strategy? We're going to address all that on this episode so be sure to listen...2021-02-2421 minPayne Points of WealthPayne Points of WealthPositioning Today For Tomorrow & Preparing For The Red Zone, Ep #25The government has announced another stimulus plan and another $1.9 trillion. Keep in mind last year we had $2.2 trillion bestowed upon the economy, along with another $900 billion at the end of the year. It's almost like pouring rocket fuel on rocket fuel. What this means is the second half of the year is going to be a huge economic boom.  We're going to talk about what that means for you, how to position your portfolio. If you're getting into that financial red zone, maybe you're five years out from retirement or you're five years into retirement there are thi...2021-02-1725 minPayne Points of WealthPayne Points of WealthIt’s Easy To Go Up, When You’re Already Down, Ep #24What's up! It’s episode 23 of Payne Points of Wealth and Wall Street's gone bananas in a crazy twist. We've got hedge fund managers being taken out by Reddit traders in chat rooms! It goes back to one of our old sayings here at Payne Capital Management “Wall Street’s made up of ordinary people trying to do extraordinary things.” We're going to break this craziness down for you and talk about exactly what happened with the Game Stop trade, what to make of it, and what to do with your portfolio in light of all the market speculation. As an ad...2021-02-1028 minPayne Points of WealthPayne Points of WealthMounds of Money and Mounds of Speculation, Ep #23It's episode 23 of Payne Points of Wealth and there are mounds of money creating mounds of speculation in the stock market. As we speak, there's literally $4.3 trillion sitting in cash because the government prints so much money. Not surprisingly, a lot of that money is finding its way into the stock market and creating rampant speculation. So the question is, are we in a bubble? How do you invest your money today to get a good return over the next five to 10 years? We're going to address that.  With the pandemic starting last year did you push y...2021-02-0324 minPayne Points of WealthPayne Points of WealthA year into a pandemic and how it’s impacting your future?, Ep #22Welcome to episode 22 of Payne Points of Wealth. As always, there's a lot going on and we’ve got a lot to say. Here we are nearly a year into a pandemic. There’s a vaccine but distribution is not off to a smooth start. We're looking at another stimulus bill for $1.9 trillion after passing one for $900 billion a month ago! Companies and consumers are sitting on more cash than ever. How do you play this trend? Should you diversify your money? Are we in a stock market bubble? Should you go to cash? We're going to address all thos...2021-01-2723 minPayne Points of WealthPayne Points of WealthWhen You Hit A Portfolio Home Run Are You Smart Or Are You Lucky?, Ep 21Welcome to episode 21 of Payne Points of Wealth! We are having a phenomenal start to 2021. Markets are going through the roof, interest rates and oil prices are going up. The “cyclical stocks”— those reopening stocks that we told you about— are starting to move. So the question is... how do you position your portfolio in 2021 to win? We're going to address that. We are also going to talk about some of the big questions that you probably don't have the answers to when it comes to your financial plan and things you need to address to make sure you're on solid...2021-01-1822 minPayne Points of WealthPayne Points of Wealth2020 Lessons That May Keep Your 2021 Asset Allocation From Getting Out Of Whack, Ep 20Happy New Year on this 20th episode of Payne Points of Wealth. Things are getting interesting. Wall Street all of a sudden has rose-colored glasses. Goldman Sachs came out and was looking for a 15% return this year on the S&P 500 as the world has apparently become more bullish overnight. The questions… Will it be a good year in the stock market or a bad year? How do you allocate your money? Last year was a crazy tumultuous year in the markets, and probably a tumultuous year for your financial plan too. So, we're going to break down what le...2021-01-0723 minPayne Points of WealthPayne Points of WealthRotation, Rotation, Rotation!, Ep 19In this episode, we’re going to talk about the reopening of the economy and those big mega-cap tech stocks that are now going to be part of the S&P 500. Additionally, we will discuss products Wall Street loves to sell to scam you and what to avoid at all costs so you can create a portfolio that will give you better odds to win long-term and create your wealth. We’ve got a great show for you. Let’s get to it!   You will want to hear this episode if you are interested in... Money moving...2020-12-2424 minPayne Points of WealthPayne Points of WealthFrom Fear of Losing Money to Fear of Missing Out, Ep 18Fear of losing money has been replaced by FOMO as investors are now plunging into the markets, putting more money into ETFs than we've seen over the last 12 months. With Coronavirus cases on the rise, hospitalizations on the rise, and mortality rates on the rise what's going to happen next? Has the market come too far too fast? Should investors wait for a big dip? We're going to break that down for you. We'll also be talking about getting good financial advice versus getting bad advice. How do you know if you’re working with a true financial professional? Ou...2020-12-1727 minPayne Points of WealthPayne Points of WealthA Portfolio With Deeper Breadth, Ep 17November showed off with one of the best months on record with the Dow, S&P 500, and NASDAQ all up over 10%. In fact, the Dow had its best month since 1987. And speaking of big numbers, Tesla is valued at over $537 billion— as much as Warren Buffet's company Berkshire Hathaway— and is the largest company ever to enter the S&P 500. The question becomes, where do you put your money now as the market continues to go higher with the S&P stuffed like a pinata with Mega Cap companies? Can this sustain through the new year? We're going to brea...2020-12-1022 minPayne Points of WealthPayne Points of WealthIf it’s in the Press, it’s in the Price, Ep 16We basically have the same story over and over again, pundits are concerned about the second wave of the Coronavirus and as we’re recording this, we have a change of regimen of government, and a new president starting in January. What does that mean for the markets? The concern is abounding and there is record cash, yet the market continues to go higher just as we predicted on this podcast weeks ago. So the BIG question is… where do we go now? That's what we're going to dissect on today’s show! Don’t miss it!   You wi...2020-12-0323 minPayne Points of WealthPayne Points of WealthThe Mother of All Stock Rotations, Ep 15We told you that you could see a stock melt-up going into the end of the year, and now we're here. Money's come off the sidelines in droves! Money managers are getting reinvested, and the big question comes: Is this it? Have we gotten the melt-up? We are also going to hit on what you should be doing with your wealth plan right now and how you should be setting that up. We're going to break it down for you, so be sure to check out the episode! You will want to hear this episode if you are...2020-11-2623 minPayne Points of WealthPayne Points of WealthWhat are you doing with your money that can get in the way of good investing?, Ep 14Today, we're talking about AFTER the election, we’ve talked about the election for the last couple of weeks and we warned you not to let the election get in the way of making good investment decisions. The economy is recovering. And what do you know, the Payne’s were right. The market has been straight up since the election. Well, it's theoretically over, right? We're not 100% sure, but it looks like Biden will be in the White House come January. With elections over and the economy starting to recover the question is... What do you do with your mone...2020-11-1925 minPayne Points of WealthPayne Points of WealthMarket Irony and Where You Don’t Want to be When the Melt Up Happens, Ep 11It seems week after week it's the same story. A lot of uncertainty out there. Most Wall Street strategists have been negative and wary. Bob, Ryan, and Chris had been very bullish and the market continues to go higher. Bob, Ryan, and Chris continue to be right while strategists continue to be wrong. What's going on?  There’s a fog of uncertainty that seems to be shadowed by the fact that earnings are starting to get strong. In truth, of the 10% of the S&P companies that recently reported their earnings, 86% topped the consensus expectations. Even though the...2020-10-2922 minPayne Points of WealthPayne Points of WealthProjecting a Market Future Based on Personal Experience, Ep 10The real loss in the market is when you succumb to your emotions. There are many markets and they are all affected by different situations. None of them ever drops to zero, even though that seems to be the driving fear behind so many decisions to get out instead of staying in for the long haul. Listen to this episode of Payne Points of Wealth to hear more on how to combat this fear and many more valuable tips.  You will want to hear this episode if you are interested in... Why the market doesn’t care what eve...2020-10-2226 minPayne Points of WealthPayne Points of WealthUncertainty Continues With Talk Of An Economic Stall And An Impending Second Wave, Ep #08As headwinds continue to blow, uncertainty continues to be at heightened levels. What we're hearing and seeing is everyone feeling like the economy is starting to stall. That we've had a V-shape recovery and there's this consensus out there that maybe it's over. Top that with an impending second wave of the pandemic as the weather gets colder and the question we are getting over and over again is… Is it time to cash out before the election? Is the economic rebound finally over? Do you think that means that everybody's thinking the same thing at the same time? Co...2020-10-0824 minPayne Points of WealthPayne Points of WealthBig Tech Going Through The Roof, The Dollar Falling, and a Rising Market, Ep #1Wow! The economy is doing some crazy things here as we hopefully wrap up this thing we’re all calling COVID. We’ve got big tech stocks like Amazon and Facebook continuing to rise in value, with no shortage of people still wanting to buy them. At the same time, the dollar is falling, which presents interesting opportunities of a different sort.   This episode of Payne Points of Wealth features our thoughts as fiduciary advisors — from a three-generation perspective — about these issues and more. We’ve got a variety of perspectives for you to consider, so be sure...2020-08-1919 min