← Earn Your Leisure
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- [00:00]
Podcast Host
This is an iHeart podcast.
- [00:02]
Co-Host
Guaranteed Human.
- [00:04]
Podcast Host
When the holidays start to feel a bit repetitive, reach for a Sprite Winter Spice Cranberry and put your twist on tradition. It's a refreshing way to shake things up this sip and season, and only for a limited time. Sprite. Obey your thirst.
- [00:20]
Ad Voice
Did you know? Microsoft has officially ended Support for Windows 10? Upgrade to Windows 11 with an LG Gram laptop, voted PCMag's Reader's Choice top laptop brand for 2025. Thin and ultra lightweight, the LG Gram keeps you productive anywhere. And Windows 11 gives you access to free security updates and ongoing feature upgrades. Visit lgusa.com iheart for great seasonal savings on LG Gram laptops with Windows 11. PCMag reader's choice used with permission. All rights reserved.
- [00:52]
Tech/Product Promoter
And Doug, what a horrible call. Hey, ref.
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Co-Host
Open your eyes, ref.
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Market Analyst
You're really not gonna call that?
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Co-Host
Come on.
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Financial Advisor
Hey, ref, why don't you customize your.
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Ad Voice
Car insurance with Liberty Mutual and save money?
- [01:04]
Tech/Product Promoter
I don't think you get what we're doing.
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Market Analyst
Sure I do.
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Financial Advisor
We're all just giving him advice. You guys on sports, me on saving money.
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Tech/Product Promoter
Nope, that's not it.
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Financial Advisor
Only pay for what you need@libertymutual.com Liberty. Liberty.
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Tech/Product Promoter
Liberty.
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Market Analyst
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- [01:50]
Co-Host
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- [02:22]
Tech/Product Promoter
This episode is brought to you by PNC Bank. A lot of people think podcasts about work are boring. And sure, they definitely can be. But understanding a professional's routine shows us how they achieve their success little by little, day after day. It's like banking with PNC Bank. It might seem boring to save, plan, and make calculated decisions with your bank, but keeping your money boring is what helps you live a more happily fulfilled life. PNC Bank Brilliantly boring since 1865 brilliantly boring since 1865 is a service mark of the PNC Financial Service Group Inc. PNC Bank National association member FDIC what.
- [03:04]
Medical Expert
Is the outlook for 2026 in the market?
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Investment Strategist
It's going to be tumultuous, but I think it'll end positive. And then 2027, then we'll have Iceberg Slim show up. The most important lesson that I need you guys to know for 2026, whether we have a deep decline or we're flat, your job is to accumulate as many assets as possible. Now you got to be an asset hoarder. Like if it's accumulation time, for those of you who believe in microstrategy, if you believe in that, then it's time for you to pile in. If you believe in Bitcoin, it's time for you to pile into that. A lot of you asking about SpaceX. Okay, well let's cover Microsoft first, your index funds first. But this has to be a deep accumulation year and also too now is not the year for you to learn more. And I know he just said that, but in the market we've given you what to invest in. You have to deploy more capital there. The sense that I get from every person that I talk to and no one knows what the free fall cause is going to be, but everyone I talk to knows that there's going to be a free fall at some point in 26 going into 27. And here's the part that no one's going to tell you. No one's going to save you when you're in desperation because no one really gives a. That's why most people who have information, they're quieter than ever in gatekeeping. There's not many people telling you even with SpaceX. Thank God for Vlad, but look how much pushback they gave him on tokenization of pre IPO assets. We got this market down, but they're going to block you out. The VC and the angel deals, why? The private equity deals, why? Because they don't want you to have access to it. They want to keep that 1%. It's like, well, we gave you all the stock market, you can have that, but the 700 gainers that you can get before it even hits the market. We don't even want you to touch that.
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Market Analyst
Yeah, I think that's why this is such an important time, such an important show, such an important moment. 2026. I'm optimistic about it. And there's a couple I always talk about catalyst events and things that can have the market move. I think if you look at the hyperscalers, the metas, the Amazons, the Microsofts of the world, Google's Tesla, I think from what we've seen in 2025 and what their future projections are for 2026, I think the capex story still is the same. You ask yourself the question, are they going to spend less or are they going to spend more? And the answer is more. And if we're talking about infrastructure, are.
- [05:45]
Tech/Product Promoter
We talking Ernest, what's up? Look, you ever notice how building a website used to feel like running a relay race? Designer hands it to developer, developer hands it to marketing, Then everybody argues about why the button is two pixels off. Yeah, those days are over. Let me tell you why I'm locked in on Framer. Framer is different. First thing, it's not just a website builder. It's a full free design platform that lets you create everything. Social assets, campaign visuals, icons, vectors all in one place. No Figma imports, no messy HTML cleaner, faster and honestly kind of fun. And the AI features crazy. You literally chat your way to hero banners, nav bars, pricing tables all styled to your brand's colors, fonts and vibe. Like having a developer team in your laptop. And when you're ready to go live, hit publish One time. Once Framer handles hosting blazing fast, low speeds and SEO while you grab a coffee. No developers, no tickets, no handoffs and its designer and marketer heaven. Plus little details matter. You can customize your cursor, add playful interactions, animate on hover. Your site actually feels like your brand. But here's the part that shocked me. Framer already built the fastest way to publish beautiful production ready websites and it's now redefining how we design for the web with the recent launch of Design Pages, a free canvas based design tool, Framer is more than a site builder. It's a true all in one design platform. From social assets to campaign visuals to vectors and icons, all the way to a live site, Framer is where ideas go live, start to finish. So you ready to design, iterate and publish all in one tool? Start creating for free@framer.com design and use promo code Earn for a free month of framer pro. That's framer.com design and use promo code earn framer.com design promo code earn Rules and restrictions may apply. Earners what's up? Look, when it comes to money, control is everything. Knowing how and when to move your dollars. That's where the Klarna card comes in. It's your debit card upgraded, you decide how to pay, whether in full now or you plan ahead to pay later. It works anywhere Visa accepted activation takes 30 seconds and there's zero credit impact. To apply no surprises, no stress, just smarter, more intentional spending that keeps you in control. Sign up for the Klarna card by downloading the Klarna app or learn more@klarner.com US Klarner Card Klarna Card Pay Later Plans issued by Web deposits in your balance account are held in Web bank member FDIC anywhere Visa is accepted. Certain merchant product good and service restrictions apply, so some merchants do not accept virtual cards. Physical card only included with a paid Klarner membership plan. Sign up for the Klarner card by downloading the Klarner app and learn more@klarner.com us klarnercard okay, only 10 more presents to wrap.
- [08:45]
Podcast Host
You're almost at the finish line. But first. There the last one. Enjoy a Coca Cola for a pause that refreshes.
- [09:11]
Patient Advocate
You know what I always say Pressure makes diamonds. Whether it's on the court or in life, when things get tough, you've got to step up.
- [09:20]
Medical Expert
That's right. And if you or someone you love is dealing with metastatic prostate cancer, stepping up means knowing your options. There's a treatment called Plovicto Lutetium LU177 Vapipatide Tetraxitan and it's worth talking about.
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Patient Advocate
Plovicto isn't chemo. It's a different kind of treatment that targets PSMA positive cells, including prostate cancer cells. Pluvicto can be used before chemotherapy for some people.
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Medical Expert
Plavicto is a prescription treatment used to treat adults with prostate specific membrane antigen positive metastatic castration resistant prostate cancer or PSMA positive MCRPC who have already been treated with hormone therapy and are considered appropriate to delay chemotherapy.
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Patient Advocate
Plavicto involves contact with radioactivity, which may increase the risk for cancer and cause fetal harm. You've got to drink plenty of fluids, urinate often, use contraception and talk to your doctor about how to reduce the risk of exposing others to radiation during and after treatment.
- [10:27]
Medical Expert
It can also cause low blood cell counts, kidney problems and infertility. So if you're feeling weak, short of breath, bleeding or bruising easily, or notice changes in urination, tell your doctor. Side effects include decreased blood cell counts, tiredness, dry mouth, nausea, appetite loss, joint or back pain and constipation. Look, this isn't about being tough. It's about being present. It's about being there for the moments that matter, both big and small.
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Patient Advocate
So if you're in the fight or know someone who is, ask your doctor about Plovicto. Because when the pressure's on, you don't fold. You find a way.
- [11:06]
Medical Expert
Visit pluvicto.com to learn more. That's P L U V I c-t.
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Ad Voice
O.Com did you know Microsoft has officially ended Support for Windows 10 upgrade to Windows 11 with an LG Gram laptop. Voted PCMag's Reader's Choice top laptop brand for 2025. Thin and ultra lightweight, the LG Gram keeps you productive anywhere. And Windows 11 gives you access to free security updates and ongoing feature upgrades. Visit LGUSA.com iHeart for great seasonal savings on LG Gram laptops with Windows 11 PC Mag. Reader's Choice. Used with permission. All rights reserved.
- [11:42]
Market Analyst
About Spending Less Are we going to be talking about spending more? We're going to be talking about spending more. We're spending more. Deregulation is a word that keeps coming up and I think it plays a major part into the story of 2026 in terms of AI, specifically when we talk about Jensen and our battle, our race to, to make sure that we stay ahead of China. He said the deregulation is going to be the biggest issue, right? If it takes us six weeks to build or six years to build a data center and it takes them two days to build a hospital, that's going to be a problem for us in the future. We have to figure out how we can get these things happening faster to the point where now AI deregulation is going state by state. So you start to see the early signs with that deregulation helps the AI industry but it also helps the financial industry. When we talk about banks and we'll, we'll talk about those a little bit later. So that's a tailwind that I think helps the market. When you, you talk about autonomous and ev, this is the year for Tesla so it show improve. So that's another event. I think the new Fed chair, right this is not going to be a person who is going to be, you know, someone that's going to set the economy back or you would think if or they wouldn't be selected. So, so that is one the, the China story with Nvidia is another one. I think that first half of the year I'm super optimistic. I think we're going to have another positive year. I know we're pacing, we're pacing at 17 right now or just under it. So it would be three years and potentially of 20% gains. Now, that's happened once before, and I was listening to Tom Lee earlier. He was like, we've seen this happen in the 90s when we're talking about the Internet. And then that fourth year was actually one of the better years out of the four. Obviously we know what happens in 99 and 2000, but I'm optimistic about the market. I, I saw Oppenheimer had a S p target of 8,100, and then there was, you know, S p raise of 7,100. But that median is like 7,700, which, which tells us again that we potentially will be sitting at another 11 to 13% gain for the S and P. Yeah. Which is, I mean, just above average, which is good. So I'm optimistic about it. I think toward the end of the year, we, we may see some tailwinds that might turn the market a little bit negative. Obviously, this is a midterm year. We already spoke about how markets perform in midterm years as government changes and political offices change. So we'll be looking toward that in November. But I think we start off the year pretty well.
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Investment Strategist
And you got to be more focused on the decade targets as a gym. I think too often people get too caught up in how a year is going to do. Opposed to if you really want generational wealth, if you're not willing to hold for 10 years, you're just talking, you're missing on too much upside to care about what it was going to happen in a quarter or six months.
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Market Analyst
Yeah. And I, I don't, I say that because I don't want people to be fearful.
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Tech/Product Promoter
Right.
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Market Analyst
Like, they keep hearing about this crash. They keep hearing about we're going to recession and then it doesn't happen. And then you don't do anything because you kept listening to what people were saying. So.
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Investment Strategist
Well, we hit recession in 22 and they changed the definition of what it was. But that was an immense buying opportunity. Just like they won't print the Fed reports now.
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Tech/Product Promoter
Yeah.
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Market Analyst
And look at the returns out of that from 22.
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Tech/Product Promoter
Right.
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Market Analyst
You're talking about, again, three years of potentially 20 gains. So you, you can't. The recession if, if it, if it does happen.
- [15:23]
Tech/Product Promoter
Right.
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Market Analyst
Or let's say we have a downturn. We just got to be prepared for that because that's when people are going to make money. That's the exact time when you should be investing. Like, okay, here we were prepared for it. We got our entry prices, whether it was in futures and options or if you're just buying equities. Now we can grab those shares that we want at a price that we want and let's watch those returns over the next 2, 3, 5, 10, 20 years.
- [15:46]
Tech/Product Promoter
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- [17:23]
Co-Host
The holidays are already in full swing, the lights are up, you got good people, good food and good vibes and they're to help each other. That energy going is Sprite Winter Spice Cranberry with that crisp cranberry flavor with a smooth winter spice twist. It's the drink that livens up game nights, gift exchanges, or just catching up in the kitchen with a burst of holiday flavor. It's a seasonal favorite, but it's only here for a limited time, so grab it while you can. Sprite Winter Spice Cranberry Sprite Obey your thirst.
- [17:55]
Ad Voice
Did you know Microsoft has officially ended Support for Windows 10? Upgrade to Windows 11 with an LG Gram laptop Voted PCMag's Reader's Choice Top Laptop Brand for 2025 Thin and ultra lightweight, the LG Gram keeps you productive anywhere, and Windows 11 gives you access to free security updates and ongoing feature upgrades. Visit LGUSA.com iHeart for great seasonal savings on LG Gram laptops with Windows 11. PCMag reader's choice used with permission. All rights reserved.
- [18:25]
Podcast Host
Ten athletes will face the toughest job interview in fitness that will push past physical and mental breaking points. You are the fittest of the fit. Only one of you will leave here with an IFIT contract for $250,000.
- [18:44]
Market Analyst
This is where mindset comes in.
- [18:46]
Podcast Host
Someone will be eliminated. Pressure is coming down.
- [18:51]
Financial Advisor
Trainer Games on Prime Video January 8th.
- [18:53]
Ad Voice
Watch the trailer on trainergames.com Season 2.
- [18:56]
Podcast Host
Of Unrivaled Basketball is here and the talent is unreal. The best women's players on the planet are running it back with even bigger moments and bigger stakes. Don't miss as Paige Beckers, Nafiza Collier, Kelsey Plumb, Brianna Stewart and more take the court and redefine the game. This isn't your regular season. This is unrivaled, where the pace is faster, the energy is higher and every athlete shines. Unrivaled basketball Season 2, sponsored by Samsung Galaxy, tips off January 5 on TNT, TruTV and HBO.
- [19:24]
Financial Advisor
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- [20:37]
Co-Host
Guaranteed human.