In this episode, Tony and Derrick open with a practical warning about identity theft and financial fraud, sharing real client stories and simple steps you can take today, including changing passwords, freezing credit, and using identity monitoring services.

They then shift into recent market volatility, breaking down gold and silver swings, Bitcoin’s technical patterns, and the surprising connection to the McRib. The conversation explores why timing matters, why emotional reactions hurt returns, and how long-term ownership differs from short-term speculation.

The episode closes with an honest discussion about today’s new investors, instant gratification versus steady strategy, and why having a plan, setting limits, and avoiding panic are essential when markets move quickly.

This is a straightforward, real-world conversation about protecting your finances and staying grounded during uncertain markets.