Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff.

Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the “why” behind common financial rules of thumb—what holds up, what doesn’t, and how to tailor decisions to your situation.

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

Produced by Brent Clanton, Executive Producer

Rate us on Google: https://bit.ly/4b9JtEo

0:00 - INTRO

0:50 - SOTU Address & Nvidia preview

5:32 - Markets Building a Rolling Top

9:20 - What is Happening to META?

12:31 - Is An Attack on Iran Priced-in to the Market?

14:37 - Buying Brazilian Bonds

18:15 - What's the Best Way to Keep Up w Sector Rotation?

20:34 - Is StableCoin Good for The Dollar?

23:48 - Will TurboTax Go AI?

27:13 - Investing in the Healthcare Space

30:27 - What is the Key Metric in Planning a Portfolio?

34:55 - Indicators for Reducing Risk in Positions

40:03 - Pro's & Con's of Bond ETF's

43:34 - Will Silver Prices Stay High?

45:14 - The Difference Between Treasury Notes vs Bonds

48:04 - Allocation Recommendation for 45-yr old Millionaire

51:44 - Coming Attractions

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Watch Today's Full Video on our YouTube Channel:

https://youtube.com/live/oW7OkyOvYC4

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Articles Mentioned in Today's Show:

"The Business Cycle Narrative & War With Iran"

https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/

"Is China Really Dumping US Treasuries?"

https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/

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Watch our previous show, "Stop Chasing 2026 Returns," here:

https://youtube.com/live/iN9Pv2Thvbo

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The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here:

https://youtu.be/tiE6S1qaBn0

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Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/

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SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow

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Visit our Site: https://www.realinvestmentadvice.com

Contact Us: 1-855-RIA-PLAN

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https://www.simplevisor.com/register-new

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