This Time Is Different

AI didn’t kill all software. In fact, some of the big dogs in cybersecurity may be stronger than before. Ricky and Malcolm discuss: Bitcoin's return to favor, and whether it's a trade or a decade-long hold. Why CrowdStrike and Okta are rallying, and the CISO survey stat behind the next leg of cybersecurity spending. The "SaaS-pocalypse" that may still be coming, and how private equity gets hurt. Ricky's Medicare for All reporting, and the cost assumption nobody's talking about. TRICARE's opaque drug pricing, and why other developed nations pay less for U.S.-made drugs. A mailbag question on investing real money for a college asset management timeline. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Host: Ricky Mulvey Co-host: Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

Future US stock returns may not follow its historical success. Former Motley Fool senior analyst Matt Argersinger sits in for Malcolm this week. Ricky and Matt discuss: - 30-year Treasury yields near two-decade highs, and what that means for income investors who remember 2% bonds.- A real estate investment trust that Matt thinks is a great value. - The case for playing defense on the AI trade. - Ricky’s reporting on debanking.- Mercado Libre, gold, and covered-call ETFs. - When it actually makes sense to pay for active management, versus indexing. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Host: Ricky Mulvey Guest: Matt Argersinger Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Cerebras' wild earnings swings, the buildout of "collateralized chip obligations," and Malcolm's case about semiconductor shortage, which may not last forever. Ricky's reporting about margin debt, which is at a record amount in the US stock market.  Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 a decade of growth might be a stock you just hold and don't overthink. The little-known Fed rule that hasn't been touched since 1974, how it could effect the record levels of margin in the US stock market. A listener question on the K-shaped economy: what would it actually take for the bottom half of the K to catch up to the top? Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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. - South Korea's leveraged ETF boom, and what a 30% single-day swing in SK Hynix says about the stock market. - What free solo climber Dean Potter's story (via HBO's The Dark Wizard) reveals about risk tolerance vs. risk capacity. - Why AI chatbots are quietly rewriting the dating game, and what a Bloomberg story on "chat phishing" says about how people communicate now. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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® exam. - ServiceNow’s pitch for an AI “kill switch,” and why Wall Street isn’t buying it (yet). - Tesla’s robotaxi miles dropped 36% quarter over quarter, and nearly all of its net income came from SpaceX stock gains. - Why Gen Z women are financially “momming” their boyfriends, and what it says about the dating economy. - The financial lessons hiding inside Christopher Nolan’s The Odyssey. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 power. The "canaries in the coal mine" for AI spending: Tesla and Uber capping employee AI token usage, Meta and xAI signaling they overbuilt data center capacity, and IBM's ugly pre-released earnings blaming AI infrastructure costs Why Ricky bought VICI Properties, the landlord behind Caesars and MGM on the Las Vegas Strip, as a hideout trade disconnected from AI The other half of the K-shaped economy: falling grocery unit sales at PepsiCo versus surging same-store sales at Costco A listener question on gifting money tax-free to kids for a home down payment. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 financial disclosures, and Malcolm’s prediction on insider trading legislation.-  Why Ricky thinks Dave & Buster's has a midlife crisis after the arcade chain announced that it will host raves. Could this be a good time for some activists to get involved?  Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Micron without any individual investor buying the underlying company. The Cut’s article "It's Hard to See My Parents Living So Lavishly While We're Struggling." Stories of rich parents refusing to help their children; a loan a dad wouldn't cosign, and the daughter who found out at graduation she owed $80,000 in loans from her parents. The history of corporations in America, and how an idea that Alexander Hamilton implemented could be used today; profitable companies that serve the public interest. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 already sold short, and the internet has decided a $7 burger stock might be the next GameStop. Ricky Mulvey and Malcolm Ethridge discuss.: - The summer box office recovery, and what movie audiences want. - The Polymarket "poiymarket" fake-bet scheme. - Whether Wendy's is the next GameStop. - Netflix as a "durable good" and why it's trading at a discount to the market. - The clipping economy, why one operator estimates 90% of what you see online is advertising in disguise. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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-A office — and Malcolm's "what's the yield" test for every one of them. Why "fiduciary" might not mean what you think, and how to tell a real one from a salesperson. State Farm's plan to cut agent pay and lean on AI, and what it signals about white-collar work. Why Gen Z is trading like the system is rigged, and whether they're wrong. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge  Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 fix it? Ricky Mulvey and Malcolm Ethridge are joined by Freddie Smith, author of the upcoming book Generation F****d, to discuss: Freddie's radical tax plan: scrap every federal tax and replace it with a 10% levy on gross revenue. The case for banning stock buybacks, and Malcolm's pitch to just raise the dividend instead. How a capital gains tax holiday for mom-and-pop landlords could unlock frozen housing supply. Whether regular 401(k) investors are locked out of the real growth happening in OpenAI, Anthropic, and SpaceX. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Guest: Freddie Smith Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 list of stocks to buy when the hype dies Whether RocketLab is still a good investment. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge  Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 SpaceX's shadow Gen Z trading bars for $300-a-month gyms — status symbol or genuine shift? Why ChatGPT gave Ricky very bad advice in a Tokyo pharmacy How American entertainment companies could build “venture capital arms” for content. Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge  Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 vesting window might matter more than the cash payout - The tax trap hiding inside the year you accept, and how charitable giving can help offset it - What saying no might actually be signaling about your job security Host: Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 lose money, or the ones we know about. - If Meta is about to follow the same path as Yahoo and AOL.Want to contact us? thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.Hosts: Ricky Mulvey, Malcolm EthridgeEngineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 financial advisor.  - Who is making most of the money on prediction markets. Question for the show? Email us at thistimepod@gmail.com  We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Malcolm explains why Amazon's chip business may be the most underrated AI story Starbucks vs. the K-shaped economy: what delivery orders and $6 California gas tell us about where the real cracks are showing. Why the stock market keeps shrugging off the Iran War. Micron skepticism: listener question on a stock up almost 6x in 12 months that still looks cheap on paper Tim Cook's legacy and the three problems for new CEO John Ternus. Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Microsoft, Meta, and Oracle are cutting jobs to pay for the AI buildout. Advice if you ever get a “voluntary buyout” from your boss The used EV flood. 600,000 leased EVs return to dealerships next year; more than the number of all used EVs sold last year. How automakers’ accounting mistakes could be good news for car buyers The Michael Jackson biopic, and the disconnect between critics, movie goers, and the economy. Why Malcolm is buying American Express and betting on the K-shaped economy Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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: Ricky Mulvey Guest: Jason Moser Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 real opportunity or too far along in the hype cycle. The hidden SpaceX suppliers that investors may want to know. Contact us: thistimepod@gmail.com Advertising: advertising@airwavemedia.com Hosts: Malcolm Ethridge, Ricky Mulvey Guest: Yuri Khodjamirian Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 financial crisis. - A listener selling his Pokemon card collection for an engagement ring. Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 the trial. Malcolm and Ricky also talk about: - Crypto-backed mortgages. What could go wrong? - Why Pokemon card collectors don't trust the stock market - Malcolm's latest stock purchase, Okta. - The scrum that left airport security workers without paychecks. - Why More Americans are starting businesses — and the pickleball bubble Contact us: thistimepod@gmail.com Advertising: advertising@airwavemedia.com Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 pulling back from gold — and what that signals (15:11) Who economically benefits from a war in Iran? (22:15) SoFi's short report and whether Anthony Noto's response was good enough. (35:30) Why states that said yes to sports betting are saying no to the next step of online gambling. (43:30) Why gambling addiction is more dangerous than other vices. Contact us: thistimepod@gmail.com Advertising: advertising@airwavemedia.com  Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 tax system punishes work and rewards investment income. - If there are any solutions for the "inheritocracy." Check out Hanna’s Substack: https://yourbrainonmoney.substack.com/  Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Guest: Hanna Horvath Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 settlement, and why it’s a “speeding ticket” for the company. - Chamath Palhapatiya telling a retail investor to be grateful for capital losses.  Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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, they discuss:  - If the promise that hard work + education = success has been broken. - Why people with “family money” hide their support. - How their relationships with their family and money shaped their attitudes towards their own finances. - Why the word “inheritance” has a branding problem.  - Malcolm’s issue with people jogging in Manhattan at 11:00 am on weekdays. Check out Hanna’s Substack: https://yourbrainonmoney.substack.com/  Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky MulveyGuest: Hanna Horvath Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

**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 changing, and Ricky - The difference between speculating and investing. - Position sizing, “sleep numbers,” and building an investment policy statement before the storm hits. Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 driving swings in the market. The stocks that Jason has been buying. Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Guest: Jason Moser Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 buying. - Age limits for Congress, and if members will ever face trading restrictions. - Ricky’s reporting on Whale options activity and their effects on market. -What Epstein's trades teach about investing psychology Contact us: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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.  (12:59) - Epstein’s swing trading habits (and why he was not very good at it). (27:37) - An age cap for politicians? And, why Malcolm thinks Congress will ban insider trading (eventually). (38:45) -  If investors should prepare for an AI bubble to burst. (48:10) - Plus, we respond to Scott Galloway’s comment about our podcast and challenge him to come on our show, America’s number 2 “Resist and Unsubscribe” podcast.  Contact us at thistimepod@gmail.com. We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Link to trading documents: https://www.justice.gov/age-verify?destination=/epstein/files/DataSet%2010/EFTA01267639.pdf Learn more about your ad choices. Visit megaphone.fm/adchoices

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. - How Brian Niccol is already turning Starbucks around Get in touch with the show at thistimepod@gmail.com. We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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. - The economics (and problems) of boycotting Amazon, Apple, and Meta - 2026 stock picks. - Malcolm’s beef with life insurance. - Your questions: our biggest portfolio losers and the wage growth gap Get in touch: thistimepod@gmail.com We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 about the macroeconomy. - Balling on a budget sushi tips. We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Contact the show at thistimepod@gmail.com Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Malcolm Ethridge and Ricky Mulvey discuss: Gen Z's new dating dealbreakers. Elon Musk's bad retirement advice. The proposed 10% cap on credit card interest rates. Alamo Drafthouse breaking its brand promise by allowing mobile ordering during movies? The case for IMAX in a K-shaped economy, and why Ricky has been proven wrong by the giant big screens. Question/comment on the show? Email us at thistimepod@gmail.com Interested in advertising? Contact advertising@airwavemedia.com Hosts: Ricky Mulvey, Malcolm EthridgeEngineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 used to be. - Bitcoin and HODL (Hold On for Dear Life): Does BTC deserve "hold forever" asset status? - Economic observations from Australia: What Ricky’s trip Down Under revealed about global economy Question/comment on the show? Email us at thistimepod at gmail dot com. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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. We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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. We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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: Ricky Mulvey Guest: John Rotonti Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 look like your phone. - Alex explains why Waymo is underrated. Hosts: Ricky Mulvey, Malcolm Ethridge Guest: Alex Kantrowitz Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 potential of a one-person unicorn. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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. We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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: Malcolm Ethridge, Ricky Mulvey Engineer: Tim Sparks Articles discussed: High-income earners using BNPL: https://theharrispoll.com/wp-content/uploads/2025/11/Income-Paradox-Survey-November-2025.pdf Nvidia’s accounting questions: https://substack.com/home/post/p-179453867  Please contact advertising@airwavemedia.com if you would like to advertise on our podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

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 your financial life.We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Hosts: Ricky Mulvey, Malcolm Ethridge Guest: Hanna Horvath Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Engineer: Tim Sparks We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Articles discussed: “Why We Could Use a Good, Long Bear Market.” https://www.wsj.com/finance/stocks/why-we-could-use-a-good-long-bear-market-73997cb7?gaa_at=eafs&gaa_n=AWEtsqdDbPx_jftTXFB1T9awbqTolkrusKFpCLJlZ6JlMSF13bLTJfWxXRDCEyLsRw%3D%3D&gaa_ts=6924c3dc&gaa_sig=PujCvwH9HJ2TE109icuSfI5d4aN0SQp3-cCr-FyArg9JWOVesK05tH8dige5vrA50-nLqvxUBdYnumxwxKNqMg%3D%3D  AI’s Winners, Losers, and Wannabee: Beyond Buzzwords” https://pages.stern.nyu.edu/~adamodar/pdfiles/country/AICombinedNEW.pdf  Learn more about your ad choices. Visit megaphone.fm/adchoices

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 actual business of iBuying homes.  - A start-up that is fractionalizing home ownership.  Please contact advertising@airwavemedia.com if you would like to advertise on our podcast. Question for the show? Email us at thistimepod at gmail dot com. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

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 the past decade. - What you can do if you want to “gamble” in the stock market (and not hurt yourself too much).. - Why social media makes gambling look more profitable than it is. Cody’s X account: https://x.com/CjSaftic Hosts: Ricky Mulvey, Malcolm Ethridge Guest: Cody Saftic Engineer: Mark Lamorgese Learn more about your ad choices. Visit megaphone.fm/adchoices

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 taking a game-like approach can change the way you invest. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Mark Lamorgese Learn more about your ad choices. Visit megaphone.fm/adchoices

Long-form conversations that challenge the consensus thinking around markets, the economy, and your money. Hosted by Malcolm Ethridge and Ricky Mulvey   Learn more about your ad choices. Visit megaphone.fm/adchoices

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 show, Malcolm and Ricky discuss the wave of white collar layoffs. They talk about the economic implications and the personal finance piece if you are anticipating you may get laid off, or you’ve recently experienced one. Hosts: Ricky Mulvey, Malcolm Ethridge Engineer: Mark Lamorgese Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Principal at Cyface Design, which offers Fractional CTO consulting in digital publishing and content management, joins Ricky to discuss why Amazon Web Services went down and the ripple effects to watch. Editor’s note: Ricky accidentally recorded into the wrong microphone for his conversation with Tim. Please forgive him! Hosts: Ricky Mulvey and Malcolm Ethridge Guest: Tim White Engineer: Mark Lamorgese Learn more about your ad choices. Visit megaphone.fm/adchoices

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-renting-nvidia-chips Robinhood profile: https://www.bloomberg.com/news/features/2025-10-17/robinhood-s-next-bet-gen-z-401-k-s-and-trump?embedded-checkout=true Hosts: Malcolm Ethridge, Ricky Mulvey Engineer: Mark Lamorgese Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Ricky Mulvey Engineer: Mark Lamorgese References:  Bloomberg article on the AI bubble: https://www.bloomberg.com/news/articles/2025-10-09/why-experts-are-warning-the-ai-boom-could-be-a-bubble Peter Lynch on The Compound and Friends:  https://www.youtube.com/watch?v=YIlurDigZcY  Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Microsoft Teams Resources: @Hanna_Horvath LinkedIn: Hanna Horvath Your Brain on Money Connect with Malcolm:  LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney Learn more about your ad choices. Visit megaphone.fm/adchoices

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 digital currency, the crypto industry is vast and varied, encompassing far more than just its flagship asset. Join the Tech Money Community on Microsoft Teams Resources: Ryan Rasmussen Bitwise Asset Management Bitwise 10 Crypto Index Fund - BITW Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney Mentioned in this episode: Capital Area Tax Consultants: www.capgllc.com Capital Area Tax Consultants: www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Join the Tech Money Community on Microsoft Teams Resources: One Up on Wall Street Stock Market Analysis and Tools for Investors Here's How to Build an Investment Portfolio from Scratch Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney Mentioned in this episode: Capital Area Tax Consultants: www.capgllc.com Capital Area Tax Consultants: www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Join the Tech Money Community on Microsoft Teams Resources: Service Now's People Pact  AI Is Starting to Threaten White-Collar Jobs. Few Industries Are Immune. Employers Train Employees to Close the AI Skills Gap Connect with Alex: Big Technology Podcast Big Technology Newsletter  LinkedIn: Alex Kantrowitz @Kantrowitz Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants: www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Jobs? You May Want to Take Your 401(k) With You  Own Company Stock Inside Your 401(k)? Here’s Something to Be Aware Of How to Avoid an IRA Rollover Mistake Malcolm Ethridge Discusses: Why he believes you should always take your 401(k) with you when you change jobs (with one exception) The difference between a direct vs an indirect rollover Something to consider if you own company stock inside your 401(k) What can happen to the after-tax money you’ve contributed to your plan if you’re not careful. Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 common causes of frugality inertia The high class problem of having to invent new ways to spend your money The importance of balancing your desire to preserve your savings with enjoying your retirement What steps retirees can take to help themselves feel comfortable spending money Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 continues to grow and evolve, the issue of regulation and security will remain a key focus for lawmakers and industry stakeholders alike. One of the biggest challenges facing the crypto industry today is the issue of security, with several high-profile exchange hacks and collapses leading to the loss of billions of dollars in assets. In response, lawmakers and regulators around the world have been grappling with how to protect consumers and investors in this space. In the US, Congress is currently considering several bills aimed at increasing oversight and regulation of the crypto industry, including measures to require crypto exchanges to register with the SEC and establish minimum capital requirements. In this episode, Malcolm sits down with Andie Kramer, Founding Member of ASKramer Law, to discuss the current state of regulation in digital assets, such as cryptocurrencies and stable coins. Andie shares her thoughts on regulatory, tax, and governance issues both globally and in the U.S. Andie Kramer Discusses: The types of regulation needed in crypto What has happened to crypto since the U.S. Government began regulating it The likelihood of a Bitcoin spot ETF being approved by the SEC The dangers of ignoring the tax laws related to crypto trading Connect with Andie: LinkedIn: Andie Kramer ASKramer Law Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About our guest: Andie is a nationally recognized authority on the regulatory, tax, commercial, and governance matters that arise in trading environments. She provides clients with practical and effective counsel to allow them to move forward with confidence and predictability as they navigate complex, high-stakes transactions. Andie applies a unique multidisciplinary approach to the taxation and regulation of financial products, markets, and participants. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 your investment decisions. And thus, you're less likely to make impulsive decisions that can lead to unnecessary financial losses. Investing with a purpose means having a clear understanding of your financial goals and investing accordingly. And it requires taking the time to evaluate your financial situation, your willingness, and capacity to take financial risk, and your overall objectives for the capital you plan to put to work. It is not about chasing the latest investment fad or trying to beat the market in the short term. Instead, it's about creating a plan and investing in a way that maximizes your chances of success. In this episode, Malcolm Ethridge sits down with Jessica Inskip, Director of Education and Product for OptionsPlay, to discuss the importance of investing with purpose, as well as the need to have a firm grasp of the basics prior to jumping into the more complex world of options trading. Jessica shares her unique insight into the different strategies investors can take to limit their risk when investing, as well as how to know when it’s time to introduce more complex strategies into your investment mix. Jessica Inskip Discusses: How to know whether you’re ready to trade options How to use options to reduce the risk inherent in a portfolio The various ways to incorporate options strategies into a portfolio The risks of following finfluencers  Connect with Jessica: LinkedIn: Jessica Inskip   OptionsPlay  Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About our Guest: Jessica joined the financial industry in 2009 and most recently accepted a position with OptionsPlay. She has held various positions within the brokerage industry across multiple firms, including roles specializing in strategy, product management, high frequency trading, complex options and derivative strategies, and the relationship management of high-net-worth affluent investors. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 alternatives to litigation. And in the event legal arbitration is the only choice left: where does one turn? Given their higher salaries and equity arrangements, tech workers are more likely than most to enter marriages with lop-sided assets or income, or both. Furthermore, as a tech worker, it is common to spend your early years building a career, resulting in a later-life marriage, and sometimes with children from a previous relationship. Because of this, some parties may stand to walk away from a marriage with much more than they came into it with. These realities of life should not be ignored when considering a marriage. Even the most rational, cool-headed individuals can be sucked into the emotional damage that is typical of divorce. On this episode, Malcolm Ethridge sits down with Andrew Hatherley, Certified Divorce Financial Analyst and founder of Wiser Divorce Solutions, to discuss his work helping divorcing couples and individuals avoid the financial and emotional hazards of divorce. Having been divorced himself, Andrew has first-hand experience with the broken and frustrating U.S. “Divorce System” and seeks to do his part to help change the way divorce is handled in this country.  Andrew Hatherley discusses:  The broken divorce system in the U.S. The true cost of filing for divorce Ways to avoid an expensive and protracted divorce proceeding The importance of prenuptial agreements among couples intending to marry Connect With Andrew: LinkedIn: Andrew Hatherley Wiser Divorce Solutions Connect With Malcolm Ethridge: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About Our Guest: Andrew Hatherley is a divorce financial advisor and understands the fear and uncertainty many of you are feeling. He went through his own divorce several years ago. He knows that the extreme emotions that come with divorce can lead to damaging financial mistakes, both short and long term. Having learned the hard way, He is determined to help others avoid some of the pitfalls that can make divorce such a difficult process Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 to make the commute to the office--or perhaps more telling--your kitchen table. What was once a challenging and fulfilling endeavor has soured. And the pressing question isn’t if you should leave, but when?  Don’t get me wrong, feeling stuck in a high-paying white collar gig is a good problem to have, but it’s not sustainable. Regardless of your annual salary and all the bells and whistles, nobody is immune to career burnout. And worst of all, the cost of staying in a role that no longer serves you can steal your time, freedom, and creativity. And after the life-altering experience of living through the COVID-19 pandemic and plenty of introspection, many workers made the tough decision to protect their peace of mind and walked away. But aside from the financial implications, many more stayed in jobs they hated due to the fear of disappointing their parents and/or their cultural expectations, possible backlash from colleagues left holding the bag, or even just the fear of being seen as ungrateful.  On this episode, Malcolm Ethridge sits down with Michael Lin, Founder of All-In Engineering Consulting, to discuss why he walked away from a nearly half a million dollar a year job at Netflix. In 2022, Michael made headlines after publishing a letter titled “Why I Quit a $450k Engineering Job at Netflix.” His words illuminated the reality of career burnout from high-demand, high-paying roles. So, he and Malcolm sat down to discuss his journey and lessons learned that other tech employees can benefit from. Michael Lin Discusses: The true cost of staying in a job you hate The importance of taking your career into your own hands Aligning your professional work with your life’s purpose How to know when you’re reaching burnout and what to do about it Connect with Michael: LinkedIn: Michael Lin Twitter: Michael Lin Substack Newsletter allinengineeringconsulting.com Connect with Michael Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About our guest: Michael Lin is an ex-Netflix tech lead turned entrepreneur. By day, he runs All-In Engineering Consulting, where they help VC-backed startups build MVP’s. By night, he writes a weekly newsletter about entrepreneurship, engineering, and life. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 know which of your friends also bought that stock earlier that same day, then you’ve experienced social investing. Or, if you’ve ever found yourself knee-deep in a Reddit thread debating the merits of bottom-up versus top-down company analysis, then you’ve experienced social investing as well. For better or for worse, financial influencers play a significant role in the trend of social investing because they have established a following and built a reputation for their perceived knowledge and expertise in the financial markets. They are adept at using social media platforms such as Twitter, Instagram, Tik Tok, and Youtube to share their investment strategies, insights, opinions, and ideas with their followers.  On this episode, Malcolm Ethridge sits down with Manning Field, CEO of Follow, a new social investment startup encouraging investors to bolster and diversify their portfolios by mirroring the trades of today’s top financial creators. The pair share their differing opinions on the rise of fin-fluencers, the so-called Reddit rebellion, and the expected long-term impact of social investing on a generation of newer, younger investors. Manning Field discusses:  The role of social media in the future of investing The importance of vetting financial advice before acting on it Younger investors’ preference for finfluencers  What it means to construct portfolios of the future Connect With Manning: LinkedIn: Manning Field Follow Connect With Malcolm Ethridge: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About Our Guest: Manning Field is the Chief Executive Officer at Follow. He previously worked as the Chief Operations Officer at Acorns. Prior to Acorns, he launched market-leading products and programs at JPMorgan Chase like Chase Sapphire, Chase Freedom and Chase Ultimate Rewards, and was named an Ad Age "40 Under 40." He spent four years in Beijing,China, as CMO of JPMorgan Chase's consumer team and while there, founded a local credit card business. During his 18 year tenure at Chase, Manning oversaw many departments including Branding, Advertising, Product Development, Marketing, Corporate Development, Innovation, Sales Strategy, and, lastly, as the Managing Director of Loyalty Innovation. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 paying anyone else. As cliché as it sounds, paying yourself first is an important financial lesson to learn and one that will serve you well in the long run. In this episode, Malcolm Ethridge discusses the concept of paying yourself first, his belief that we should work, save, pay taxes, pay bills, and then spend what’s left in that order, and some recommendations for how to set up an automatic savings plan designed to take out as much of the human element out of the equation as possible. LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 perpetuity, well after the initial investment. Passive income streams compliment one’s salary and provide stepping stones to creating a life with greater financial freedom. Historically, real estate investing has represented one of the most popular income building strategies beyond stocks, bonds, or a primary residence. However, for many busy tech workers, the idea of becoming a landlord, dealing with broken pipes, and evicting tenants can quickly quell any ideas of building a real estate portfolio. In contrast, passively investing in car washes, multi-family properties, or public storage facilities are attractive opportunities that provide cash-flow and appreciation without the active management of traditional real estate. Beginning the transition from active investing to passive real estate investing begins with finding a trusted and experienced investment team. In this episode, Malcolm Ethridge sits down with Whitney Elkins-Hutten, the Director of Investor Education at Passive Investing dot com, a national passive real estate investment firm based in the Carolinas with a portfolio valued at over 1.3 billion dollars and fueled by 2,000 investors. The pair discuss Whitney’s passion for helping busy professionals achieve financial freedom through passively investing in cash-flowing real estate in their local communities, as well as why she has a bit of a unique emphasis on self-storage units and car washes. Whitney Elkins-Hutten Discusses: How she accidentally found her passion for real estate investing The difference between financial independence and financial freedom The world of non-traditional real estate investing How to find and vet real estate deals and fund managers to get a better sense of who will make a good partner Connect with Whitney: LinkedIn: Whitney Elkins-Hutten PassiveInvesting.com Ash Wealth Connect with Malcolm: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About our Guest: Whitney Is A Real Estate Maven Who, After Purchasing Her First Rental In 2002, And Hitting A Homerun, Then Nearly Losing It All On Her Second Deal, Took Control And Figured Out How To Invest In Real Estate The Right Way. She Realized That Success Must Leave Clues. So, She Studied And Replicated The Very Personal Finance And Wealth Creation Strategies The Wealthy Use To Create Financial Freedom. Today, Whitney Is A Partner In $700M+ Of Real Estate —Including Over 5000+ Residential Units (MF, MHP, SFR, And Assisted Living) And More Than 1400+ Self-Storage Units Across 7 States—And Experience Flipping Over $3.0M In Residential Real Estate. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 that a disproportionate number of entrepreneurs and decision makers within Fintech do not adequately reflect their consumer base. In light of this, there are calls for diversifying all levels of the industry to build a more inclusive financial system. When financial service products are developed through a narrow lens of beliefs, experiences, and assumptions, underbanked or marginalized communities may be affected in unintentional ways. Alternatively, financial tools built with a broader lens adequately predict these impacts and may ultimately translate to a stronger bottom line. Techworkers of today have a unique opportunity to rewrite a stained past of discriminatory financial practices by designing and marketing the inclusive financial tools of tomorrow. The diversification of perspectives within the Fintech community will provide immense benefit to US consumers as well as increase a solution’s marketability to a global audience. In this episode, Malcolm sits down with Drew Glover, Founding Partner at Fiat Growth, a strategic marketing shop working with some of the largest fintech, insurtech & rewards brands such as Chime, Lemonade, and Motley Fool. With the vision to scale products accessible to all, Fiat Growth aligns the most impactful companies to collaborate and empower the global consumer, regardless of socioeconomic status. Drew focuses on providing growth, mentorship, and venture capital to start-ups that help streamline and diversify the FinTech acquisition funnel. He believes that everybody deserves access to financial tools that build wealth and simplify life. Drew Glover discusses: What legacy banking systems get wrong about serving underbanked communities What it means to earn the right to invest in a startup The rise of affinity based fintechs What other problems fintech is close to solving Connect With Martha: LinkedIn: Drew Glover Fiat Ventures Connect With Malcolm Ethridge: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About Our Guest: Drew is a Founding Partner of Fiat Growth and General Partner at Fiat Ventures. He is no stranger to the world of growth, technology, and marketing. From his time at Steady where he led marketplace development and growth to Namely, Fjord, and Portal A, he navigated the ins and outs of Go-to-Market strategies and user acquisition. He has helped companies like Root, JP Morgan Chase, adidas and Nike bring award-winning services and partnerships to market. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 some workers to navigate falling stock prices for the first time.  While it’s tempting to mitigate risk by increasing cash compensation, it often provides marginal lifestyle comfort to high-earning workers. In contrast, continuing to receive equity has advantages that are often overlooked. Whether you have stock options or restricted stocks, today’s episode provides an alternative narrative to the doom and gloom of financial downturns. We'll explore how to identify bear market opportunities, as well as strategic advice for those debating on how to manage their options. Through this lens, you’ll be well-equipped to weather recessions and make the most of your equity compensation. In this episode, Malcolm Ethridge sits down with Brooke Harley, Founder and CEO of ClassRebel, an online e-learning company that offers affordable and relevant courses on wealth-building, angel investing, and the basics of managing equity. Through her work with ClassRebel, Brooke levels the playing field by making these investing topics available to anyone that wants to learn. She believes that anyone receiving equity compensation should view bear markets as a moment of opportunity rather than a moment of panic. Prior to founding ClassRebel, Brooke worked as a corporate attorney, venture investor, and startup board member. Brooke Harley Discusses:  How to get more bang for your buck when the market is down How her own personal experience as a startup employee led her to founding Class Rebel Ways to be strategic with your equity following a layoff Why it is important to negotiate for more equity when share prices are lower Connect With Brooke: LinkedIn: Brooke Harley Class Rebel Connect With Malcolm Ethridge: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About our Guest: Brooke Harley is the Founder and CEO of ClassRebel, an online e-learning company that offers affordable and relevant courses on wealth-building, angel investing, and the basics of managing equity. After deploying capital from her first VC fund, Brooke realized that many entrepreneurs had a distinct socio-educational advantage in raising money. Class Rebel represents her efforts to level the playing field by making these investing topics available to anyone that wants to learn them. Prior to founding ClassRebel, Brooke worked as a corporate attorney, venture investor, and startup board member. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 invest or manage their individual finances. And to make matters worse, if the proper legal documentation and instructions are not in place, it can be difficult for families to protect what they've worked so hard for. That’s why estate planning is so important. It provides a mechanism for transferring assets from one generation to another without costly tax implications or legal complications. By establishing an estate plan, individuals can provide clear instructions of how to divide their assets and ensure that their wishes are carried out in the end. This can help ease both the emotional and the financial burden, and create much-needed peace of mind for all parties involved. In this episode, Malcolm Ethridge sits down with Martha Underwood, co-founder and CEO of Prismm, a company leveraging technology to ensure wealth transfers appropriately at the end of a life. They discuss the ways in which Martha is leveraging her 25 years of experience in technology to develop products and services that help people manage the tedious administrative tasks that require attention when a loved one passes away. Martha Underwood discusses:  Why estate planning is such a difficult conversation for families to have How to develop your own estate planning checklist and how often you should update it Ways that technology is helping to facilitate difficult conversations among family members Why it is vital to have life’s most important documents available right at the moment when you need them most Connect With Martha: LinkedIn: Martha Underwood Get Prismm Connect With Malcolm Ethridge: LinkedIn: Malcolm Ethridge Capital Area Planning Group MalcolmOnMoney Newsletter  @MalcolmOnMoney About Our Guest: From IBM in Florida to Silicon Valley and now Birmingham, Alabama, Martha has built a storied career in the software technology industry. Her accomplishments include building enterprise solutions for insurance carriers, working on the earliest iterations of healthcare patient portals, and positioning startups for acquisition by designing business models and optimizing product offerings. Martha currently serves as the CEO of Prismm, a company dedicated to leveraging technology to ensure wealth transfer at the end of life. Her focus is on taking a creative and innovative approach to handling documents and assets using best-in-class digital practices. With more than 25 years of experience, Martha is putting her enthusiastic passion for technology to work developing products and services to help people manage the often daunting affairs and tedious administrative tasks that require attention when a loved one transitions this life. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 years enjoying time together with friends and family, exploring and traveling, and dedicating your time to the causes that you care about - not just when you're older. In order to enjoy that level of time freedom, it will require you to reach some semblance of financial independence earlier in life. But these days, when people hear the term financial independence, their minds automatically envision the super-rich tech entrepreneur who founded a company from their dorm room and the next day, sold it for billions of dollars. Or they think of the extreme case of winning a multi-million-dollar lottery prize or some other sort of life altering windfall. But this doesn’t have to be the case. In this episode, Malcolm Ethridge shares his thoughts on financial independence; what it is, what it’s not, and what it will take to reach it in this lifetime. As a millennial on his own financial independence journey, Malcolm [take this from the back jacket text] Malcolm Ethridge Discusses:  What financial independence is and is not How to determine your own “enough” point and what do do when you get there The importance of developing passive streams of income  Why it is not necessary to take a vow of poverty to reach financial independence Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Learn more about your ad choices. Visit megaphone.fm/adchoices

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 expression of their values, others believe this is a winning formula for people and the planet. Are the supply chains ethically developed? Do the employees receive fair compensation? What is the background of C-Suite executives and the board of directors? When investors base financial decisions on these factors, it is known as ESG investing. ESG Investing is a strategy that takes into account the Environmental, Social, and Governance factors of an organization. How a company affects the environment, how it treats its employees and communities, and how leadership governs the organization all contribute to a company’s ESG profile. But from a financial standpoint, are these initiatives really worth the hype? In this episode, Malcolm Ethridge sits down with Daniel Naim, founder and CEO of Fennel, an ESG investing platform created to empower retail investors with the knowledge required to advance the “engaged shareholder movement”. Daniel shares how after beginning his own personal investing journey, he observed the ways in which traditional investment platform models fail to encourage the alignment of customer and company values. Daniel shares the key ESG metrics he believes investors should pay attention to, as well his personal mission to promote shareholder activism across the industry. Daniel Naim discusses:  The importance of voting your shares as an investor How to look underneath the hood and find a company’s true social and environmental impact Ways that retail investors can come together to help force companies to become more environmentally conscious The lesser known dangers of payment for order flow and securities lending Connect With Daniel: LinkedIn: Daniel Naim Get Fennel Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney About Our Guest: Daniel Naim is a physics PhD who grew up in Beirut Lebanon and went to university at Berkeley. He is intent on making the world a better place.He also developed an anti-neutrino detector that could be used to measure the plutonium production of nuclear reactors from over 100 miles away. This detector simultaneously pushed the frontier of dark matter detection in the WIMP candidate space by over 3 orders of magnitude. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 investor How to determine when it’s time to buy or sell a stock The importance of dividends and whether you consider a stock that doesn’t offer one How his investing preferences have changed as he has gotten older and become a more experienced investor Resources:  Quartr Insights  Connect With Chris Hill: LinkedIn: Chris Hill Twitter: Chris Hill Motley Fool Money Podcast Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney About Our Guest: Chris Hill hosts "Motley Fool Money", a daily podcast. He also oversees The Motley Fool's growing network of podcasts and audio programming. A graduate of Boston College and The American University, Chris lives and works in Alexandria, Virginia. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 regret not having a strong enough emergency fund. And when asked what they intend to do with their money going forward, 26% of respondents said they will save more for emergencies, while another 21% said they will spend less. Of course, this poll was administered in the shadow of the Covid-19 pandemic and all of the financial disruption that has come along with it. But it got my attention that when asked about financial regrets, the answer had nothing to do with saving for the long term. It was about the here and now. In this episode, Malcolm sits down with Aja Evans, a Licensed Mental Health Counselor who specializes in financial therapy, to discuss the concept of financial regret, how to recognize it when you feel it, and how to move past it once you do. Aja and Malcolm share some of their own personal stories, and Aja remembers the very moment she realized she wanted to work with people to take control of their emotions around money. Aja Evans discusses: Why it is so difficult for us to talk about money in an open and honest setting with friends and family The importance of focusing on your own financial situation rather than comparing yourself to others How to go a few layers deep and identify the true reason for the feelings we have about our money Some exercises she recommends to clients to help them identify them moments when they feel anxious about money  Connect with Aja Evans: Aja Evans Counseling LinkedIn: Aja Evans aevans@ajaevanscounseling.com  About the Guest: Aja Evans is a Licensed Mental Health Counselor who specializes in financial therapy. She likes to say that she is on a mission to get more individuals engaged in living their best life, while attuning to their thoughts, feelings, and behaviors around money. In January 2015, she launched Aja Evans Counseling, a New York-based financial therapy practice where she supports clients to begin working towards a better version of themselves. In addition to her work as a financial therapist, Aja is a speaker, writer, and fintech consultant, focusing on the intersection of mental health and money. She believes that whether you are struggling with anxiety, self-esteem, relationships, or regret, gaining control of your finances will help you live the life you want. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 sits down to discuss best financial practices for founders and how to know when it is time to begin to allocate your revenue to more personal goals. Malcolm runs through tools and tricks to grow your business and build sustainable financial habits for you and your business.  Malcolm discusses:  How to invest in your own business and build funds for your long-term goals Counterbalancing your business’s high burn rate with low personal expenses Reinvesting extra cash flow into retirement and diverse investments  Protecting what you have built and your loved ones through insurance  Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Learn more about your ad choices. Visit megaphone.fm/adchoices

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 the future, but also communicates to your investors just how solid your judgment is as a CEO. In this episode, Malcolm Ethridge speaks with Jason Ray about how to tell a compelling story to potential investors. Jason shares why investing in what matters to you as a business owner and to your business doesn’t always sacrifice an investment return, and how it can help attract investors who are interested in your cause. He also dives into why it’s important to know your key performance indicators from the very beginning, why some businesses are hesitant to take loans and how that can prevent them from growing, and what goes into good financial modeling and forecasting. Jason discusses:  Why investing in ESG doesn’t necessarily mean sacrificing investment returns Why it’s important to get yourself in gear from the very beginning as a business owner and be prepared for a potential investor How a lack of experience with taking out loans and knowing how much they need creates hesitancy, and how that hesitancy can become a hurdle for business growth What goes into good financial modeling and forecasting Resources:  Survival of the City by Edward Glaeser and David Cutler Connect With Jason Ray: Zenith Wealth Partners @NetWorthZenith LinkedIn: Jason Ray Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Jason founded Zenith Solutions to deliver accessible, high-quality financial education and advice to individuals and institutions. His work is inspired by racial and age wealth inequality that exists in society. Prior to founding Zenith, Jason helped renovate a longstanding independent wealth advisory firm, Carnegie Wealth Management, by building new technology, private placement structures, and research capabilities. He delivered investment advice and financial plans to families with a net worth upwards of $10M. Earlier in his career, Jason also gained extensive experience evaluating and creating solutions for financial advisors at Lincoln Financial and FS Investments.  Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 the halls of Congress with the intention to increase tax revenue by lowering the estate and gift tax thresholds, there could be significantly more Americans who will be impacted by this “problem” soon enough. In this episode, Malcolm Ethridge speaks with Aaron Rubin, a partner at Werba Papier, about some of the lesser-known estate planning challenges facing those with concentrated equity positions. Aaron also shares some of the more common mistakes he sees clients make prior to and immediately following an IPO that could be avoided with proper planning. Aaron discusses:  How to design a plan that keeps more of your money in your pocket and out of the hands of the IRS The interesting and unique things he has seen people do following an IPO Who should be concerned about qualified small business stock What an intentionally defective trust is and how to apply it And more Resources:  Financial Adulting: Take Control of Your Financial Future by Aaron Rubin 50. Creating A Plan For Your Restricted Stock Units Connect With Aaron Rubin: LinkedIn: Aaron Rubin Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Aaron Rubin is a partner at Werba Papier, a wealth management firm that caters to pre-IPO executives and early employees. Prior to his current firm, Aaron spent time at Deloitte where he worked on trust and estates and honed his skills in their private client advisory. He also received his JD from the University of Illinois. In 2019, he published Financial Adulting, a guide to help young professionals navigate the challenges of taxes and investments in estate planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 or tails of it all.  At best, you manage to stumble across a couple of really helpful twitter posts or youtube explainer videos offering solid tidbits of information that may or may not be directly applicable to your individual circumstances. But at worst, you make a mistake in reporting your transactions in one year, that ultimately opens up your returns from previous years to scrutiny, and you find yourself in the middle of a full-blown audit with no idea how you got there. In this episode, Malcolm Ethridge speaks with Micah Fraim, CPA and crypto enthusiast, about the taxation of crypto. Micah shares his knowledge about how crypto and NFTs are taxed, how to save money on taxes when investing in crypto, why you should stay up to date on the ever-changing IRS taxation policies about crypto, and how to track activity across multiple digital wallets without using a platform like Coinbase. Micah discusses:  How crypto and NFT trades are taxed today How to take advantage of the current crypto winter to save on taxes Why he is such a fan of cryptos and their future long-term Some recommendations for how to tack crypto activity and keep good records across multiple digital wallets And more Resources:  Decrypting Crypto Taxes by Micah Fraim Decrypting Crypto Taxes by Micah Fraim – Free Download Law360.com Koinly.io CoinTracker.io CoinTracking.info Connect With Micah Fraim: CryptoTaxCPA.com MicahFraim.com FraimCPA.com LinkedIn: Micah Fraim Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Micah Fraim is the founder of Fraim Cawley & Company. Micah is a certified public accountant who works with small business owners on preparing tax returns and offers more advanced tax planning. In addition, he is also a self-proclaimed crypto enthusiast and has recently published the book, Decryptifying Crypto Taxes.   Learn more about your ad choices. Visit megaphone.fm/adchoices

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 capacity, and overall understanding of the inner workings of options contracts. In this episode, Malcolm Ethridge speaks with Todd Rampe, author of “Get Paid, Learn To Trade” and founder of the Wealth Builders Institute. Todd is a trading educator who teaches individuals how to trade options using the software he built. He shares the advantages of trading options, what dollar amount makes trading options worth the benefit, why he chooses to teach people instead of selling his software, and what his 3 golden rules of options trading are. Todd discusses:  The advantages to trading options rather than owning the underlying stock outright The point where someone can afford to trade options, and what amount won’t result in enough of a benefit Why he chooses to teach people how to trade options instead of selling his software to them What his 3 golden rules of options trading are And more Resources:  Get Paid Learn To Trade by Todd Rampe – ebook Connect With Todd Rampe: Wealth Builders Institute WBI Trading LinkedIn: Todd Rampe Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Todd Rampe is the founder of the Wealth Builders Institute in Las Vegas, NV. Todd Rampe is one of the very few trading educators that actually trades his own account using the exact method he teaches both new and experienced traders. The secret to his success lies in his proprietary software, Triple Sync Logic. Using this unique software allows Todd and his students to spot Market Reversals, which are widely considered to be the single best time to enter a trade, because, at that stage, you will get in the trade right before the price changes direction. Todd was very fortunate to learn how to trade in 1998, from someone he calls his “7-Figure Mentor,” because of how successful his mentor was, and of course, the amount of money he made. So, after well over 2 decades of trading, developing software and the methods that go with them, Todd is able to teach virtually anyone how to use his incredibly dependable Triple Sync Software, regardless of their experience. Todd Rampe built the Wealth Builders Institute to ensure that anyone that wants to learn to trade effectively, will have the best possible tools and knowledge at their fingertips, to accomplish that goal, in a very short period of time. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Entrepreneurs need mentors especially, and perhaps more than other professionals, simply because it is nearly impossible to formally teach entrepreneurship in any controlled setting. There are just too many variables that will inevitably change from entrepreneur to entrepreneur and business to business. In this episode, Malcolm Ethridge speaks with Ron Bauer, a venture capitalist and the founder of Theseus Capital, about the role mentorship plays in the success of a startup founder. Ron shares his roadmap to success for entrepreneurs, talks about mentoring entrepreneurs, and how founders can find the right mentor for the right moment. Ron discusses:  How he applies a hands-on, academic methodology to the way he invests, and his hands-on approach to mentoring his entrepreneurs His roadmap to success for startup founders How to be proactive in the current market and how long he anticipates it lasting How to find the right mentor for what you need at the moment Why you should do something you enjoy and not focus solely on doing something to make money Connect With Ron Bauer: Theseus Capital LinkedIn: Ron Bauer Instagram: Ron Bauer Twitter: Ron Bauer Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Ron Bauer is a venture capitalist and entrepreneur with over 20 years of financing businesses. He is focused on the Life Sciences, Technology, EdTech, and Natural Resources sectors, where he has created a number of exciting ventures side by side with some of the world’s leading entrepreneurs and scientists, as well as world-class academic institutions that include Oxford, Cambridge, Stanford, Cornell, and Hebrew University to name a few. He is the Founder of Theseus Capital Ltd, the family office investment vehicle for his portfolio companies. Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 tools built over the last couple decades designed to help make networking and building relationships easier for both introverts and extroverts alike, there will never be any true substitute for the authentic human connection felt by sharing a meal together face-to-face.  In this episode, Malcolm Ethridge speaks with Nick Gray, the author of The Two Hour Cocktail Party, about how to build big relationships by hosting small gatherings. Nick shares his secret formula for becoming the best host, how to become a natural conversationalist, why networking in person is better than online, and some advice on how and when to host. Nick discusses:  How to become a natural conversationalist Why it’s important to lead conversations with authentic excitement and energy about your passions and interests Why networking in person leads to better relationships than online Why you should host a small gathering instead of meeting for drinks And more Resources:  The Two Hour Cocktail Party by Nick Gray Join Nick’s Friends Newsletter Never Eat Alone by Keith Ferrazzi 50. Creating A Plan For Your Restricted Stock Units Connect With Nick Gray: NickGray.net LinkedIn: Nick Gray Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Nick Gray is the founder and owner of Museum Hack. After growing it into a multi-million dollar business and being featured in a TEDx talk, he sold Museum Hack. Nick published The Two Hour Cocktail Party, sharing his formula for growing big relationships by hosting small gatherings. He also writes a popular newsletter for business owners and entrepreneurs called “Friends Newsletter,” because he originally wrote it just for his friends. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 portfolio as a hedge against the volatility in both the stock and bond markets sounds like a good idea. In this episode, Malcolm Ethridge speaks with Patrick Yip from APMEX about diversifying investment portfolios with precious metals. Patrick explains why precious metals are a favorable investment during hyperinflation and why so many Americans continue to put their money toward gold and silver despite the approaching cashless society. Patrick then discusses how his company, OneGold, allows people to invest in gold and silver effortlessly through their credit card rewards. Patrick discusses:  The types of precious metals APMEX sells and the various forms they are available in. Why Americans should own and invest in precious metals in a time of hyperinflation Why do Americans continue to invest in precious metals, even though we’re approaching a cashless society How OneGold’s credit card lets you earn rewards in the form of gold and silver, rather than points or cash-back And more Resources:  TheBullionCard.OneGold.com 50. Creating A Plan For Your Restricted Stock Units Connect With Patrick Yip: OneGold.com APMEX.com Twitter: APMEX Email: Patrick.Yip@APMEX.com Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Patrick Yip is the Director of Business Development at APMEX, and currently manages One Gold, a digital precious metal platform. Mr. Yip joined APMEX in 2011 and held roles in merchandising, sales, project management, and business development. Before APMEX, Patrick worked for asset management companies, and at Fortune 500s, such as Disney and Twentieth Century Fox.  Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 episode, Malcolm Ethridge sits down with Mark Lachance, CEO of Maxy Media, and author of “The Lucky Formula.” Mark gives us the critical takeaway about how you can create your own luck through creating magnetism. He also explains his work in blitzscaling businesses by adopting social media; emphasizing why every business should prioritize content creation. Mark discusses:  The types of businesses he has scaled and why he keeps coming back for more The key takeaway from his experiences with stacking odds in his favor by building magnetism How to make your own luck in business Why it’s important to blitzscale your business’ influence with diversification across social media and marketing platforms And more Resources:  The Lucky Formula Assessment Quiz The Lucky Formula by Mark Lachance Blitzscaling by Reid Hoffman and Chris Yeh Masters Of Scale Podcast 50. Creating A Plan For Your Restricted Stock Units Connect With March Lachance: MarkLachance.com LinkedIn: Mark Lachance Twitter: Mark Lachance Instagram: Mark Lachance Facebook: Mark Lachance Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

For those who have thought of an idea for a tech startup in a crowded space, it can be tempting to think that your idea must be completely brand new and inventive. Especially when you consider the seemingly ubiquitous announcements that so-and-so big name venture capital investor has chosen to back so-and-so startup looking to go where no one has gone before, which tend to dominate the headlines. However, if done right, there can also be room for those who have built a better mouse trap to enter into a crowded space and make a name for themselves.  In this episode, Malcolm Ethridge sits down with the CEO and co-founder of Battery Xchange, Desmond Wiggan, to discuss what it was like starting his own tech company, a few of the hurdles he has encountered along the way, and how one small tweak to their target market has made a big impact on their success. Desmond discusses:  What it was like building a tech company in North Carolina and the importance of starting where you are How the idea for Battery Xchange came out of necessity while he was on a work trip overseas What it’s like being a third-generation entrepreneur Why Battery Xchange ultimately pivoted its focus from restaurants and bars to universities and sports venues And more Resources:  50. Creating A Plan For Your Restricted Stock Units Connect With Desmond Wiggan: Battery Xchange Twitter: @BatteryXchange_ Instagram: @BatteryXchange_ LinkedIn: Desmond Wiggan Twitter: @WorldWideWiggs_ Instagram: @WorldWideWiggs_ Connect With Malcolm Ethridge: The Tech Money Podcast  LinkedIn: Malcolm Ethridge Connect with Malcolm  @MalcolmOnMoney Download the Tech Money Guide to RSUs  About Our Guest: Desmond Wiggan is the CEO and co-founder of Battery Xchange, a sharing economy platform providing device charging on the go. Prior to founding Battery Xchange, Desmond spent time as an account manager for Pepsi corporate and spent time as a cross-border technology consultant working in Guanxi. He is a highly motivated innovator who aspires to emulate leaders, such as the Rockefellers and the Carnegies for his generation. During Desmond’s early career in cross-border technology, he learned the importance of relationships and networking, which has now made him a relationship seeker and networking junky. He wishes to leave a legacy for himself and his family. Demond’s goal is to gain as much exposure, experience, and knowledge as he can. Learn more about your ad choices. Visit megaphone.fm/adchoices

The banking and payments industry is in a period of rapid change, with new technologies and services emerging all the time. It can be hard to keep up.  In this episode, Malcolm Ethridge speaks with Aaron Wollner, the Chief Marketing Officer of Quontic. They discuss how Quontic is changing the narrative of traditional banking by … Continue reading 53. The Evolution Of Contactless Payments With Aaron Wollner → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

While they may sound like the same thing to those outside of the financial services profession, there are several key differences between the terms tax planning, and tax preparation. In short, one takes place once per year and is more transactional in nature, while the other likely happens multiple times each year in stages and … Continue reading 52. Tax Planning vs Tax Preparation with Christina Lael → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Women in tech often face unique financial planning challenges that are not usually taken into account by traditional financial advice firms or FinTech solutions. For women working in tech, it can be hard to find a financial planner who understands the nuances of the gender pay gap and its limits on taking risks, the need … Continue reading 51. Managing Your Finances as a Woman Working in Tech with Danika Waddell → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

If you are a person who is paid in restricted stock units each year, it’s important that you develop a plan for how and when you will convert those shares into actual dollars well before they actually vest. Doing so will help to ensure that no matter what direction the markets move over time, you … Continue reading 50. Creating A Plan For Your Restricted Stock Units → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

A donor advised fund is simply a type of brokerage account, where contributions to it are specifically earmarked for charitable giving. And in exchange, the IRS allows you to realize the entirety of the donation in the year it is made; regardless of how many years it might take you to actually distribute those dollars … Continue reading 49. Using Technology To Improve Charitable Giving With Adam Nash → Learn more about your ad choices. Visit megaphone.fm/adchoices

How many times have you had an idea for something that you thought should exist in the world, but never actually pursued the thought much further than that initial moment of inspiration, only to see someone else promoting that very same product on Instagram a few months later, and all you could do was kick … Continue reading 48. Protecting and Profiting from Your Intellectual Property with Toni Moore → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

If there’s one thing we all have in common, regardless of age, gender, profession, or socio-economic status, it’s a good deal. And one thing many of us love to be able to say that we got a good deal on is travel. In fact, some of us love to brag about the deal we received … Continue reading 47. Using Technology to Land Travel Deals on a Budget with Alex Simon → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Receiving a financial windfall, such as winning the lottery, may seem glamorous to those of us who never have. Still, even if half of the news articles or TV shows covering lottery winners are accurate, it may not be all that it’s cracked up to be. While winning the lottery is a bit of a … Continue reading 46. How to Plan for a Financial Windfall with Susan Bradley → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The Great Resignation may have tipped the scales, but the underlying sentiment of dissatisfaction among workers of all ages and demographics, representing companies and industries across the board, had been brewing underneath the surface for some time. Whether it’s the multiple attempts to unionize, rallies and protests outside of corporate headquarters, or the class action … Continue reading 45. The Positives Of The Great Resignation with Matthieu Silberstein → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ll often hear about companies and their founders who made the decision to pivot from their initial big idea that wasn’t quite working right, to something else that ended up being the best thing that ever happened to them. Take Facebook for instance, which got its start as a silly website used by college kids … Continue reading 44. How To Know When To Pivot With Donald Boone → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Following the bursting of the dot com bubble in 2000 that stretched all the way into 2002, the American public developed this feeling that the stock market was rigged against them. And considering how many company insiders and those in the know on Wall Street were revealed to have been selling at a time when … Continue reading 43. Keeping Younger Investors Engaged with Seth Wunder → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In the past couple of years, much has been made of the so-called Great Resignation, and workers of all ages, demographics, and geography leaving their company for greener pastures, in the form of a substantial raise, signing bonus, and maybe even a better equity package. But with all of the noise that has been made … Continue reading 42. How To Negotiate For Better Compensation with Kwame Christian → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

***We’re bringing you part two of Malcolm’s conversation with Mr. Albert E. White about African-Americans’ lesser known contributions to the modern internet. *** Through the years, a small handful of individuals have all taken credit for bringing us what we know as the modern internet. However, it is possible for more than one of those … Continue reading 41. African-Americans’ Contribution to the Modern Internet (Part 2) with Albert White → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Through the years, a small handful of individuals have all taken credit for bringing us what we know as the modern internet. However, it is possible for more than one of those stories to be accurate, as the modern internet is the combination of several simultaneous discoveries made by a few pioneers, alliterating on the … Continue reading 40. African Americans’ Contributions to the Modern Internet (Part 1) with Albert E. White → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Unless you’ve been living under a rock, by now you have certainly heard about Elon Musk’s plans to buy Twitter and take it from a public company to a private one. Oftentimes, there are many things that will change when a company goes private. And that is especially true with it comes to existing shareholders. … Continue reading 39. What Happens To Your Equity When Your Company Goes Private → Learn more about your ad choices. Visit megaphone.fm/adchoices

Tech professionals are some of the best paid and most in-demand workers around the globe. And in exchange for that great pay and other incentives, it is not uncommon to log back-to-back (to back to back to back) 50, 60, or even 75-hour work weeks; ultimately leading to a burnout. One of the ways to … Continue reading 38. Developing Passive Investment Income as a Tech Professional with Christopher Nelson → Mentioned in this episode: Capital Area Tax Consultants - www.capgllc.com Capital Area Tax Consultants - www.capgllc.com Learn more about your ad choices. Visit megaphone.fm/adchoices