Most investors have filled out a risk tolerance questionnaire—but does it really measure how you’ll behave when markets crash? Richard Rosso & Jonathan McCarty break down why traditional risk tolerance tools fail to predict investor behavior, how emotions override risk profiles, and why time horizons, liquidity needs, and cash flow matter far more than a few survey questions.
0:19 - Halloween Prelude - Baby's First Halloween
2:31 - Risk Tolerance Tests - The Ugly Truth
6:00 - How Rich & Jonathan Scored
7:12 - The Spousal Tolerance Quiz
11:08 - Looking at Risk Tolerances in Couples
17:48 - What's Your Judgement Orientation?
21:52 - Responding to Market Moves - Mapped Portfolios
24:26 - What Happens When Powell is Out at the Fed
28:53 - Risk Tolerance Quizzes Do Not Reflect Reality When Markets Turn
30:30 - When Rich was 13 - Owning McDonald's
35:28 - EBT, Food Stamps, & Fast Food Comparisons
36:55 - Taking the Risk Quiz at 20 vs 50
39:08 - Investing Over-Confidence vs Balance
40:50 - The Millionaire Next Door I & II
43:34 - AI Impacty on Market History
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Senior Investment Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
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Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1
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The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here:
https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
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Our Previous Show, "The Most Dangerous Era in History," is here:
https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
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Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#FinancialPlanning #RiskManagement #InvestorBehavior #WealthStrategy #RIAAdvisors
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Most investors have filled out a risk tolerance questionnaire—but does it really measure how you’ll behave when markets crash? Richard Rosso & Jonathan McCarty break down why traditional risk tolerance tools fail to predict investor behavior, how emotions override risk profiles, and why time horizons, liquidity needs, and cash flow matter far more than a few survey questions.
0:19 - Halloween Prelude - Baby's First Halloween
2:31 - Risk Tolerance Tests - The Ugly Truth
6:00 - How Rich & Jonathan Scored
7:12 - The Spousal Tolerance Quiz
11:08 - Looking at Risk Tolerances in Couples
17:48 - What's Your Judgement Orientation?
21:52 - Responding to Market Moves - Mapped Portfolios
24:26 - What Happens When Powell is Out at the Fed
28:53 - Risk Tolerance Quizzes Do Not Reflect Reality When Markets Turn
30:30 - When Rich was 13 - Owning McDonald's
35:28 - EBT, Food Stamps, & Fast Food Comparisons
36:55 - Taking the Risk Quiz at 20 vs 50
39:08 - Investing Over-Confidence vs Balance
40:50 - The Millionaire Next Door I & II
43:34 - AI Impacty on Market History
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Senior Investment Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
-------
Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1
-------
The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here:
https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
-------
Our Previous Show, "The Most Dangerous Era in History," is here:
https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
-------
Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#FinancialPlanning #RiskManagement #InvestorBehavior #WealthStrategy #RIAAdvisors
10-10-25 Maximize Your Money - The Hierchy of Smart Savings Strategies
The Real Investment Show (Full Show)
32 minutes 32 seconds
3 weeks ago
10-10-25 Maximize Your Money - The Hierchy of Smart Savings Strategies
How do you make every dollar work harder for you?
Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future.
0:19 - Foundational Basis & Economic Conundrum
8:05 - Prioritizing Saving Money - Pay Yourself First
12:58 - How to Create a Tax Management Wave
15:50 - The Triple Tax Benefits of HSA's
18:39 - After-tax Contributions to 401k
21:04 - Investing & Spending
23:55 - Life Insurance applications
👉 Subscribe for daily market insights and portfolio strategy updates.
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP
Produced by Brent Clanton, Executive Producer
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The latest installment of our new feature, Before the Bell, "Calm Before the Crack? Fragile Markets Keep Rising Anyway,” is here:
https://www.youtube.com/watch?v=N_kRTrefFWI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
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Our Previous Show, "Recession & Bonds: What Happens When the Next Downturn Hits?" is here:
https://www.youtube.com/watch?v=jRiri1PY2Sg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
-------
Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#SavingsStrategy #TaxEfficientInvesting #WealthBuilding #FinancialPlanning #InvestSmart#FinancialPlanning #InvestingAdvice #Investing #Money
The Real Investment Show (Full Show)
Most investors have filled out a risk tolerance questionnaire—but does it really measure how you’ll behave when markets crash? Richard Rosso & Jonathan McCarty break down why traditional risk tolerance tools fail to predict investor behavior, how emotions override risk profiles, and why time horizons, liquidity needs, and cash flow matter far more than a few survey questions.
0:19 - Halloween Prelude - Baby's First Halloween
2:31 - Risk Tolerance Tests - The Ugly Truth
6:00 - How Rich & Jonathan Scored
7:12 - The Spousal Tolerance Quiz
11:08 - Looking at Risk Tolerances in Couples
17:48 - What's Your Judgement Orientation?
21:52 - Responding to Market Moves - Mapped Portfolios
24:26 - What Happens When Powell is Out at the Fed
28:53 - Risk Tolerance Quizzes Do Not Reflect Reality When Markets Turn
30:30 - When Rich was 13 - Owning McDonald's
35:28 - EBT, Food Stamps, & Fast Food Comparisons
36:55 - Taking the Risk Quiz at 20 vs 50
39:08 - Investing Over-Confidence vs Balance
40:50 - The Millionaire Next Door I & II
43:34 - AI Impacty on Market History
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Senior Investment Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
-------
Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1
-------
The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here:
https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
-------
Our Previous Show, "The Most Dangerous Era in History," is here:
https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
-------
Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#FinancialPlanning #RiskManagement #InvestorBehavior #WealthStrategy #RIAAdvisors
