All right, all right, all right—this week, it’s just the Payne Capital crew, no guests, no filters, just real talk. After a string of great interviews, we’re bringing it back to the roundtable to tackle the question everyone’s asking: Are we in an artificial intelligence bubble? Bob dives into market history and draws parallels to the tech boom of the '90s. Courtney shares what Wall Street strategists are saying and why the AI narrative is dominating every segment. Chris gives us the pulse from clients—some are all-in on AI, others are bracing for a crash. Ryan calls out the all-or-nothing mindset and why predicting the top is a fool’s game. We also dissect a real financial plan in our Financial Autopsy segment, helping a couple in their late 60s shift from aggressive growth to income-focused investing—without triggering massive tax bills. From margin debt mania to gold’s surprise rally, from diversification myths to emotional investing traps, this episode is packed with insights, laughs, and actionable advice.   Tune in to hear:   ✅ Are we in 1995 or 1999? Bob reads the market tea leaves. ✅ Why diversification still matters—even if AI is hot. ✅ How to avoid living by the sword and dying by the sword in your portfolio. ✅ The emotional toll of bear markets and how to prepare before they hit. ✅ A real-life case study on reducing risk, increasing income, and optimizing for taxes. Don’t miss this one—because when the tide goes out, you’ll want to be wearing the right financial swimwear.