As the Truth About Your Future comes to an end next month, in addition to being on Ric's list for updates, he suggests three industry leaders in the evolving world of crypto to follow for their expert insights. He also emphasizes the importance of doing your own research. Following up on yesterday's show covering groundbreaking medical breakthroughs, today Ric highlights future innovations, including quantum teleportation of particles and nanotechnology for medical and machine applications, promising revolutionary advancements by 2040-2050. #MedicalBreakthrough #QuantumTeleportation #Nanotechnology #ObesityCure #DiabetesTreatment #FutureTech #Innovation #HealthcareRevolution #ScienceAdvances #2050Vision #CryptoAdvice #InvestmentGuidance #CryptoExperts #BitcoinInsights #FinancialEducation #DYOR #CryptoInnovation #MattHougan #MichaelSaylor #SteveKurz ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   Yesterday’s Podcast on New Drugs Treating Obesity and Other Diseases: https://www.thetayf.com/blogs/this-weeks-stories/bad-news-and-good-news-for-fat-americans 12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto 12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

Three quarters of U. S. adults are now either overweight or obese. One in three children are now fat. But help is on the way from new drugs that not only fight obesity but have beneficial effects in fighting a variety of ailments. The impact on health and the economy will be transformative. #ObesityCrisis #HealthAwareness #MedicalBreakthroughs #WeightLossDrugs #GlobalHealth #HealthyLiving #EconomicImpact #ChronicDiseasePrevention #FitnessRevolution #HealthcareCosts #LifestyleChanges #PublicHealth ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto 12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

As Chegg has plummeted in value due to competition from AI tools like ChatGPT, investors must embrace innovative, forward-thinking companies rather than outdated ones. Plus, while mutual funds may have higher fees compared to ETFs, deciding to switch should depend on long-term investment goals rather than solely on expense ratios or capital gains taxes. And, Adam Nash, co-founder of Daffy explains donor-advised funds (DAFs), tax-advantaged accounts that make charitable giving easier. #Investing #TechnologyAdvancements #Chegg #AIImpact #ChatGPT #PortfolioManagement #Innovation #StockMarket #CryptoInvesting #FutureFinance #MutualFunds #ETFs #CapitalGains #InvestmentStrategy #AmericanFunds #BarronFunds #FinancialPlanning #ExpenseRatios #TaxPlanning #CharitableGiving #DAF #YearEndGiving #TaxBenefits #Philanthropy #DonorAdvisedFunds #GiveBack #DaffyApp #SmartGiving ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   Yesterday's Podcast on New Investment Opportunities: https://www.thetayf.com/blogs/this-weeks-stories/three-new-funds-that-give-you-exposure-to-the-crypto-ecosystem Daffy.org Donor-advised Funds Website: https://www.daffy.org/ 12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto 12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

For those intrigued by crypto but hesitant to invest directly in assets like Bitcoin or Ethereum, a “picks and shovels” strategy—investing in companies or ETFs like State Street's SPDR® Galaxy offerings that support the blockchain ecosystem—offers a diversified and potentially less volatile alternative. And a listener faces a tough decision about gifting her son $250,000 for his divorce-related financial needs, weighing the potential impact on her own long-term stability. #CryptoInvesting #BlockchainTech #DigitalAssets #CryptoETFs #StateStreet #GalaxyFunds #BitcoinMining #FinancialFreedom #BlockchainEcosystem #InvestmentStrategies #FinancialAdvice #FamilySupport #DivorceChallenges #MoneyManagement #RetirementPlanning #ToughLove #ParentingDecisions #HomeOwnership #ElderCare #FinancialSecurity ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   State Street Global Advisors (SSGA) https://www.ssga.com/us/en/intermediary SPDR® Galaxy Digital Asset Ecosystem ETF (DECO) https://www.ssga.com/us/en/intermediary/etfs/spdr-galaxy-digital-asset-ecosystem-etf-deco SPDR® Galaxy Hedged Digital Asset Ecosystem ETF (HECO) https://www.ssga.com/us/en/intermediary/etfs/spdr-galaxy-hedged-digital-asset-ecosystem-etf-heco SPDR® Galaxy Transformative Tech Accelerators ETF (TEKX) https://www.ssga.com/us/en/intermediary/etfs/spdr-galaxy-transformative-tech-accelerators-etf-tekx 12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto 12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

With fewer people over 50 becoming grandparents, questions about elder care and financial planning grow critical. For those without children or estranged from family, proactive estate planning, long-term care funding, and giving inheritance early are essential strategies for a fulfilling and secure retirement. Retirees, especially Baby Boomers holding 52% of U.S. wealth, will need to balance annual spending and Ric discusses the traditional 5% withdrawal rate. #RetirementPlanning #GrandchildFree #EstatePlanning #ElderCare #LongTermCare #ChildFreeRetirement #SoloAging #InheritanceStrategy #FinancialSecurity #WealthDistribution #AgingWell #ProactivePlanning ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto 12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

South Korea faces a demographic crisis with the world's lowest birth rate of 0.72, and globally, nations face falling fertility rates, sparking initiatives like cash incentives, subsidized childcare, and retirement reforms to sustain aging populations. And the 4% withdrawal rate remains a reliable guideline for retirees, designed to preserve principal indefinitely when applied to a diversified 60-40 portfolio with average returns of around 7%. #FertilityCrisis #PopulationDecline #BirthRate #DemographicShift #AgingPopulation #GlobalTrends #ChildFreeLiving #EconomicImpact #PolicyChange #CulturalShifts #RetirementPlanning #4PercentRule #FinancialIndependence #PortfolioStrategy #DiversifiedInvestments #RetirementIncome #WealthManagement #PersonalFinance #InflationImpact #SmartInvesting ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto 12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

OpenAI, creator of ChatGPT, is making waves with a $150 billion valuation and substantial funding efforts from tech giants and institutional investors. This immense financial backing aims to support the expensive computational demands of AI development, though the true payoff for investors remains uncertain as AI continues to evolve and raise questions about its societal impact. Plus, a look at an AI analysis in the Nevada school system. #OpenAI #ChatGPT #TechInvestment #VentureCapital #SiliconValley #AIRevolution #StartupValuation #BigTech #InstitutionalInvestors #ComputationalPower #FutureOfAI #AIImpact #RetirementIncome #InvestingWebinar #ETFs #FinancialPlanning ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

As the Social Security Trust Fund nears depletion, Americans face potential 20% cuts to benefits starting in 2034, which could significantly affect their retirement security. Financial advisors must help clients understand the importance of personal savings and investments to secure a stable retirement income. And, Michael Saylor, founder and chairman of MicroStrategy, has transformed the company into a major bitcoin investor by reallocating corporate reserves into bitcoin, issuing bonds, and selling stock to fund further bitcoin purchases. And, Rowan University’s Ric Edelman College of Communication and Creative Arts now offers a Bachelor of Arts in Esports with tracks in communication, business, and computing, featuring a state-of-the-art facility. #SocialSecurity #RetirementPlanning #TrustFundDepletion #RetirementSecurity #PersonalFinance #SocialSecurityCuts #FinancialPlanning #InvestmentStrategy #LongevityRisk #RetirementIncome #Bitcoin #MicroStrategy #MichaelSaylor #CorporateReserves #BusinessStrategy #BitcoinInvestment #ConvertibleBonds #CorporateTreasury #CryptoMaximalism #EsportsDegree #RowanUniversity #GamingEducation #CareerInGaming #FutureOfLearning #EsportsInnovation #HigherEducation #GlobalGaming #DigitalCareers ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   Ric Edelman College of Communication and Creative Arts: https://ccca.rowan.edu/ ProtectedIncome.org Study on Retirement and Protected Income:  https://www.protectedincome.org/news/information-gap-advisors-consumers-prip-chapter-3-2024/ Protected Income website: https://www.protectedincome.org/ 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay- Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee  

With interest rates fluctuating, finding reliable investment income can be challenging. Ric discusses two Invesco ETFs offering income generation, downside protection, and low fees as one offers equal-weight exposure across all 500 S&P stocks for balanced diversification. And Ric discusses the importance of maintaining cash reserves and what can happen if you don't. #InvestmentIncome #ETFs #MarketVolatility #IncomeGeneration #InvescoETFs #QQA #RSPA #NASDAQ100 #SP500 #EqualWeight CashReserves #EmergencyFunds #InvestmentStrategy #MarketVolatility #FinancialSecurity #MoneyManagement #InterestRates #Savings #RiskManagement #ShortTermInvesting  ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   Invesco QQQ Income Advantage ETF (QQA): https://www.invesco.com/us/financial-products/etfs/product-detail?productId=ETF-QQA Invesco S&P 500 Equal Weight Income Advantage ETF (RSPA): https://www.invesco.com/us/financial-products/etfs/product-detail?audienceType=Investor&productId=ETF-RSPA Invesco Website: https://www.invesco.com/corporate/en/home.html 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay- Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ Certified in Blockchain and Digital Assets including Crypto Taxation Course/Webinar: https://dacfp.com/certification/ -----   Follow Ric on social media:   Facebook: https://www.facebook.com/RicEdelman Instagram: https://www.instagram.com/ric_edelman/ LinkedIn: https://www.linkedin.com/in/ricedelman/ X: https://twitter.com/ricedelman YouTube: https://www.youtube.com/@RicEdelman -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee