9-1-25 Smart Money vs Dumb Money: The Real Guide

Millennials are bombarded with financial advice from every corner — TikTok influencers, YouTube gurus, Reddit forums, and traditional advisors. But where should you really turn for smart money guidance?

In this episode, Lance Roberts, Danny Ratliff, and Jonathan Penn uncover:
Why following social media “experts” can be dangerous for your wealth
The real risks of private equity and alternative investments
The critical questions to ask before buying annuities or insurance
Why you should never put all your money in one place
How doing what wealthy people actually do can help you build lasting wealth

From navigating market hype to understanding smart money vs dumb money, this episode delivers the insights you need to separate real strategies from noise.

👉 Subscribe for weekly episodes that cut through financial confusion with clear, risk-managed advice.

0:49 - Ten Rules for Navigating Excess Market Bullishness
2:40 - Proper Position Sizing in Portfolios
6:05 - Behind the Scenes with Economic Growth
7:44 - Justifying Earnings Growth Forecasts
12:04 - You're the Cannon Fodder for Wall Street
14:02 - Smart Money vs Dumb Money

16:18 - Social Media Advice Purveyors Do Not Know You
28:49 - The Rise & Fall of the FIRE Movement
31:58 - Myths & Realities of Starting Your Own Business

34:47 - Never Put ALL Your Money in Anything
36:43 - Do What Wealthy People Do

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisors, Jonathan Penn, CFP, & Danny Ratliff CFP

Produced by Brent Clanton, Executive Producer
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