Roger and Richard open this WealthWise episode with the chaos across crypto and tech. Bitcoin broke below ninety thousand for the first time in seven months, altcoins were crushed, and the entire market is holding its breath for Nvidia’s earnings. Roger walks through why a dip into the high seventies could trigger a dangerous liquidation cascade and how the last twenty four hours barely avoided it. They dig into the AI cycle too. Eight months ago the headlines warned of a bubble. Now major outlets are publishing reasons the boom is justified, even as insiders warn of overinvestment in chips and data centers.

The conversation shifts to the collapse of trust in business content. Every industry is being flooded with recycled information from AI, and personal brands are harder than ever to build unless you dedicate twelve hours a day to content. Roger questions whether his own brand is misaligned with his HVAC marketing business, while Richard argues that a personal brand does not need to mirror every part of your company as long as you are known for something specific and valuable. They break down why younger creators win with time, why lifestyle storytelling is now required, and why businesses that rely on fractional leaders may struggle to earn investor confidence.

In the final stretch they talk real estate frustration, sellers’ markets, impossible multifamily economics, rare earth stocks, index funds, XRP versus Ripple Labs, reverse ATMs taking over New York, prediction markets merging with Wall Street, and Warren Buffett’s farewell letter. Educational only, not financial advice.