This Time Is Different

By Malcolm Ethridge and Ricky MulveyBusiness Technology Investing

This Time Is Different episodes

March 10 The Great Wealth Transfer w/ Hanna Horvath Pt. 1
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: [email protected]
We are proud to be in the Airwave Media network! Please contact [email protected] if you would like to advertise on our podcast.
Hosts: Malcolm Ethridge, Ricky MulveyGuest: Hanna Horvath
Engineer: Tim Sparks

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46 min
March 03 Know What You Own, Our Rules for Investing
**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: [email protected]
We are proud to be in the Airwave Media network! Please contact [email protected] if you would like to advertise on our podcast.
Hosts: Malcolm Ethridge, Ricky Mulvey
Engineer: Tim Sparks

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58 min
February 27 Jason Moser Talks Stocks
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: [email protected]
We are proud to be in the Airwave Media network! Please contact [email protected] if you would like to advertise on our podcast.
Hosts: Ricky Mulvey, Malcolm Ethridge
Guest: Jason Moser
Engineer: Tim Sparks

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1 hr 2 min
February 24 Private Credit Freezes, Investors Feel a Chill
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: [email protected]
We are proud to be in the Airwave Media network! Please contact [email protected] 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
58 min
February 17 Invest for an AI Crash? Plus, We Reveal Epstein’s Stock Trades
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 [email protected].
We are proud to be in the Airwave Media network! Please contact [email protected] 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

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57 min
February 10 Netflix's Warner Bros Problem, OpenAI's Nvidia Drama, and SpaceX Going Public
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 [email protected].

We are proud to be in the Airwave Media network! Please contact [email protected] 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
1 hr 1 min
February 03 Resist and Unsubscribe: Can You Actually Boycott Big Tech?
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: [email protected]

We are proud to be in the Airwave Media network! Please contact [email protected] 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
54 min
January 27 Sell America Gets Real
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 [email protected] if you would like to advertise on our podcast.

Contact the show at [email protected]

Hosts: Ricky Mulvey, Malcolm Ethridge
Engineer: Tim Sparks

Learn more about your ad choices. Visit megaphone.fm/adchoices
57 min
January 20Elon Musk: "Don't Save for Retirement" – AI Will Make It Irrelevant
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 [email protected]
Interested in advertising? Contact [email protected]
Hosts: Ricky Mulvey, Malcolm Ethridge
Engineer: Tim Sparks

Learn more about your ad choices. Visit megaphone.fm/adchoices
49 min
January 13 Economic Narratives 2026: Dedollarization, AI Profits, and Bitcoin
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 [email protected] 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
51 min

About This Time Is Different

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Long-form conversations that challenge consensus thinking about markets, money, and the economy. We question the narratives everyone else accepts and welcome contrarian ideas.