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Will AI Displace Financial Advisors? | Animal Spirits 455

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Will AI Displace Financial Advisors? | Animal Spirits 455



On episode 455 of Animal Spirits, Michael Batnick and Ben Carlson are live from Future Proof Citywide in Miami talking with Michael Kitces and Phil Huber about the wealth management business in the age of AI, the private credit crisis of confidence and a very special Animal Spirits roast.

This episode is sponsored by Teucrium. Find out more at https://teucrium.com/agricultural-commodity-etfs

► 00:00 – Teucrium Ad
► 00:28 – Intro
► 04:26 – Live on Stage
► 05:26 – Will AI Displace Financial Advisors?
► 08:56 – Michael Kitces on AI
► 21:14 – The Private Credit Crisis of Confidence with Phil Huber
► 37:48 – Ben and Michael Roast Each Other

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Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here:
https://ritholtzwealth.com/podcast-youtube-disclosures/

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The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers.

#thecompound #investing #stockmarket

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Trump just signaled America is out of money

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Trump just signaled America is out of money



✅ Become a member! ✅
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And if you’ve already read the book, I’d love it if you could leave a review 💌

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99% Of People Will Never Own XRP

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99% Of People Will Never Own XRP



Level up your trading game inside the Crusader Academy Today: https://thecrusadersacademy.com/

⚠️ DISCLAIMER – READ FIRST
This video is not financial advice. It is for educational and entertainment purposes only. I may earn a commission through some of the links below — at no extra cost to you.
Crypto-assets are highly volatile and involve significant risk. These offers are intended for experienced users only and may not be available in your region. Always verify local laws before registering or trading on any platform.

✩ALL SOCIALS ✩
https://linktr.ee/levicrypto
——————-
#crypto #xrp #hbar #altcoins #altcoin
——————–
LEGAL & REGULATORY DISCLAIMER

1. Corporate Entity & Content Purpose
This channel is operated by a registered business entity. All content is intended solely for informational and entertainment purposes and reflects the opinion of the channel as an entity.

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2. No Financial, Legal, or Tax Advice
I am not a licensed financial advisor. Nothing in this content should be construed as financial, investment, legal, or tax advice. Viewers should consult qualified professionals before making investment decisions.

3. Sponsorships & Affiliate Relationships
This video may contain sponsored content and/or affiliate links. I may earn a commission if you use these links, at no additional cost to you. I only promote platforms I personally use or believe in — but you are responsible for conducting your own due diligence.

4. Geographic Restrictions
This content is not intended for residents of the United Arab Emirates, United Kingdom, United States, Canada or any other jurisdiction where the promotion of virtual assets is restricted or prohibited.

If you are located in such a region, do not engage with or act on this content.

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5. Crypto Risk Warning
Crypto-assets are speculative and involve substantial risk, including:
• Loss of capital
• Extreme volatility
• Limited liquidity
• Irreversible transactions
• Potential for fraud, theft, or manipulation
No form of investor protection or legal recourse is guaranteed. Engage at your own risk.

6. No Outcome Guarantees
I make no representations regarding the accuracy, timeliness, or results of any strategies or opinions shared. No profits or outcomes are guaranteed. You bear full responsibility for any decisions made.

7. Content Updates
Information may become outdated. I reserve the right to change, update, or remove content without notice.

8. MiCA & EU/Canada Compliance Notice
In accordance with the EU Markets in Crypto-Assets Regulation (MiCA):
• This content does not constitute financial promotion or investment advice under MiCA.
• Crypto-assets discussed may not be suitable for all investors and are not protected by any EU Or Canada deposit guarantee or investor compensation scheme.
• All statements made are intended to be fair, clear, and not misleading.
• If you reside in the EU or Canada, ensure your engagement with this content complies with local laws and regulations.

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“90% OF LOTTERY WINNERS GO BROKE” #shorts #viralshorts #lottery #finance #wealth

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“90% OF LOTTERY WINNERS GO BROKE” #shorts #viralshorts #lottery #finance #wealth



Most people believe winning the lottery will solve all their financial problems. But the shocking truth is that around 90% of lottery winners end up broke again within a few years.
Why does this happen? It’s not just overspending or luxury lifestyles — the real reason is the lack of a financial system. Without proper money management, investments, and disciplined habits, even millions of dollars can disappear quickly.
In this video, you’ll learn the real lesson behind why lottery winners lose their wealth and how building the right financial habits can help you avoid the same mistake.
If you want more financial tips and wealth-building strategies, check out other videos on this channel and don’t forget to subscribe.

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wealth mindset tips
financial advice for people in their 20s

#personalfinance
#moneytips
#wealthbuilding
#financialeducation
#moneyhabits
#richmindset
#financialfreedom
#moneymindset
#financeyoutube
#successmindset

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BITCOIN IS DUMPING!!! [WATCH ASAP]

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BITCOIN IS DUMPING!!! [WATCH ASAP]



❎ LeveX: https://levex.com/r/CryptoKid 👉 MEMBER UPDATES
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BITCOIN IS DUMPING!!! [WATCH ASAP]

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You can also follow me on:
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📧 Get in Touch: contact@cryptokid.com

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I’m Crypto Kid, and I just wanted to say thank you for watching my videos. I’ve been a Bitcoin advocate since I was 12 years old. I make videos on the Crypto Kid channel to spread cryptocurrency adoption, and help my audience become financially sovereign.

#Bitcoin #Crypto #Trading

DISCLAIMER The content, opinions and other information in the videos are intended as general information and for entertainment purposes only and it is not to be construed as professional or financial advice. VIRTUAL ASSET INVESTMENTS ARE HIGH RISK AND MAY RESULT IN THE LOSS OF YOUR CAPITAL. Information in the videos is solely the opinion of the speaker who is not a financial advisor nor a firm. I do not have any representations or warranties of any kind, expressed or implied, regarding the accuracy, validity, reliability, availability, or completeness of any information. Any reliance you place on such information is strictly at your own risk. I, including directors, officers, employees, affiliates, agents and representatives, assumes no liability for any errors or omissions in the information presented nor the availability of said information. I disclaim responsibility for any losses, injuries or damages resulting from the display or use of any information. Investing always comes with a considerable risk. I recommend viewers to do their own research before engaging in any trade activity. The channel may contain links to other channels, internet sites or technologies supplied by third parties. I do not exercise control over legality of Third-Party Sites or their compliance with applicable laws. Therefore, I explicitly disclaim liability for any loss or damage arising from your use or access to any Third-Party Sites. I do not intend to make any direct or indirect market communication to users and consumers based in the United Arab Emirates, United Kingdom, the United States of America, India or China. By accessing this channel, you acknowledge and agree to the terms outlined in this disclaimer.

PROMOTION AND AFFILIATES The appearance of third-party advertisements and hyperlinks does not constitute an endorsement, guarantee, warranty, or recommendation by me. I am not your broker, intermediary, representative, agent, or advisor. This channel is not responsible for the performance of sponsors or affiliates. The promotion only reflects my personal honest opinion of the product. I may receive compensation for the promotions in my videos. Conduct your own research before deciding to use any third-party service.

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This video contains affiliate partnership with Bybit, WEEX, LeveX, YuBIT & Coinflare

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XRP vs Yen Carry Trade & War

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XRP vs Yen Carry Trade & War



Welcome to Zach Rector’s channel!

iTrust Capital- https://www.itrustcapital.com/go/zach-rector

Legal & Estate Planning- https://calendly.com/new-client-specialists/15-minute-interview-affiliate?a1=Rector&month=2026-03

Are you ready to take advantage of the greatest transfer of wealth in world history?
Join our community at http://www.ZachRector.com and discover how you can not only survive, but thrive in this exciting time.

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XRP Family MERCH- https://zachrector.com/shop/

Patreon/Discord Private Community- https://www.patreon.com/zachrector

Buy XRP & Trade Crypto-
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Coinbase Advanced Trading- https://advanced.coinbase.com/join/XXTYJ2Z

First Ledger- https://firstledger.net/?ref=DO9SdgMahaeK

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Send XRP Tips & NFTs- r41a9RBNQYVx1XowGUUNEbJxKdKnMpHQEo

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Follow us on social media for the latest updates on:
Twitter (https://www.twitter.com/ZachRector7),
Rumble (https://www.rumble.com/user/zachrector7),
YouTube (https://www.youtube.com/user/Rector94),
TikTok (https://www.tiktok.com/@ZachRector7).

Thank you for joining us on this journey to financial freedom!

#xrp #ripple #xlm #stellar #xdc #buyback
#CryptocurrencyExchange #CryptocurrencyWallet #CryptocurrencyMarketNews #AltcoinInvesting #BlockchainTechnology #CryptocurrencyRegulations #HODL
#trading #investing #altcoins #crypto #blockchain #cryptocurrency #bitcoin

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Why Money Disappears Fast | The Truth About Spending and Financial Wisdom

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Why Money Disappears Fast | The Truth About Spending and Financial Wisdom



Money plays a very important role in our daily lives, but the way we earn, spend, and manage money determines our financial future. Many people work hard to earn money, yet they often struggle to save or grow their wealth. The main reason behind this problem is not always income—it is usually spending habits and financial discipline.

This video explains a powerful life lesson about money and human behavior. When money comes easily or when people do not value their earnings, they tend to spend it quickly without thinking about the future. However, when someone works hard, sacrifices time and energy, and understands the value of every rupee they earn, they become more careful with their spending.

Financial wisdom teaches us that money should not only be spent but also saved, invested, and managed wisely. People who develop strong financial habits like budgeting, saving regularly, avoiding unnecessary expenses, and investing wisely are more likely to achieve financial stability and long-term success.

#moneytips
#financialwisdom
#wealthmindset
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#financialfreedom
#successmindset
#personalfinance
#richmindset
#financialeducation
#buildwealth
#moneylesson
#successmotivation
#mindsetmatters
#wealthbuilding
#financialsuccess
#moneyadvice
#motivationdaily
#successhabits
#smartmoney
#financialgrowth

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SHOCKING RIPPLE NEWS for XRP HOLDERS!!! (BRAD Speaks)

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SHOCKING RIPPLE NEWS for XRP HOLDERS!!! (BRAD Speaks)



💲👇💲
💰WIN 3,000 XRP this month on BTCC, up to $10,000 Bonus!!
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XRP GOOD NEWS!!! (XRP SHORTS ELIMINATED for NOW!!)

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✅TRADING Academy: https://epiqtradingfloor.com/?aff=5d65fe20

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⛔️Disclaimer⛔️
This video is for educational purposes only. Please do your own research before making any decisions with your money. I will not be held liable for any losses or gains you may experience. I am not your financial or investment advisor. This is completely educational content and should be taken as such – the views expressed in the content are opinions. Nothing on this channel should be taken as a recommendation to buy a particular crypto asset. The information shared on this channel is not indicative of future results. Analyses are not absolute and are prone to change in accordance with present and future market events. Please do all of your own research before you buy any cryptocurrency or any financial product.

Some of the links and other products that appear on this video are from companies which Oscar Ramos will earn an affiliate commission or referral bonus. Oscar is part of an affiliate network and receives compensation for sending traffic to partner sites. The video is accurate as of the posting date but may not be accurate in the future.

I WILL NEVER CONTACT YOU IN ANYWAY (ON ANY PLATFORM). IF YOU GET CONTACTED BY ANYONE CLAIMING TO BE ME, IT IS NOT ME. FOR EXAMPLE, COMMENTS SHOWING WHATSAPP NUMBERS ARE NOT ME. ADDITIONALLY, PEOPLE HAVE THE ABILITY TO CALL YOU USING AI TECHNOLOGY SO IT SOUNDS LIKE ME. THIS AGAIN IS NOT ME. NEVER WILL I CONTACT YOU IN ANY WAY. DO NOT RESPOND OR INTERACT WITH ANYONE ON ANY PLATFORM CLAIMING TO BE ME OR WORKING ON MY BEHALF – THEY ARE SCAMMERS.

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Can ChatGPT Replace Your Financial Advisor? PART 1

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Can ChatGPT Replace Your Financial Advisor? PART 1



I’m going to test whether ChatGPT can actually build a retirement plan. I input a realistic scenario: a 60-year-old couple with $1.5 million saved, Social Security benefits, spending goals, tax concerns, and a desire to leave an inheritance. Then I walk through the plan it generates in real time.

We look at key areas like Social Security timing, withdrawal strategies, Roth conversions, taxes, healthcare planning, and investment allocation. At first glance the structure looks solid, but the real question is whether the recommendations actually hold up under deeper scrutiny.

This is the first video in a series where we explore what AI gets right about retirement planning and where it may fall short. In Part 2, I’ll begin analyzing the plan more critically and identify some of the questions investors should be asking before relying on a tool like this.

00:00 Can ChatGPT Build a Real Retirement Plan?
01:13 The Retirement Scenario We Give ChatGPT
02:45 ChatGPT’s Retirement Plan Breakdown
03:40 Social Security Timing: Early vs Delayed
04:43 Withdrawal Strategy and Income Planning
07:07 Roth Conversion Strategy and Tax Planning
09:46 Healthcare and Long-Term Care Considerations
10:59 Investment Allocation and Risk Balance
11:55 Legacy Goal: Leaving Money to the Kids
12:22 ChatGPT’s Recommended Action Plan
13:22 The Biggest Retirement Risks Identified
14:20 Questions We Should Ask ChatGPT Next
15:00 Part 2: Stress Testing the AI Retirement Plan

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➡️ If you’re nearing retirement and wondering whether your assets can support your desired lifestyle, this type of structured income analysis can provide clarity. We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free visit: https://click2retire.com/chatgpt-retirement-pt-1

➡️ To learn more about our Retirement Success Plan and tax-efficient income planning strategies, you can visit: https://click2retire.com/rsp-retirement

✉️ Receive retirement financial planning insights straight to your inbox monthly here:

🎥 Want more clarity around retirement income planning, taxes, and account strategy as you get closer to retirement? Make sure you are subscribed for future videos:

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Disclaimer:
Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency.

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Stock Markets Rise on Positive War Sentiment Says Certified Financial Planner

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Stock Markets Rise on Positive War Sentiment Says Certified Financial Planner



Global stock markets have been facing heavy losses, not just in India but worldwide, largely due to the ongoing conflict involving the U.S., Israel, and Iran. Markets have remained in decline for nearly 18 months. Financial expert Sundara Rami Reddy suggests that positivity in the stock market will only return when some positive developments emerge even within the war situation.
#stocksmarketsloss #wareffectonstockmarkets #indianstockmarkets #etvdigital

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XRP WATCH! Clarity ACT Crypto Market Structure LIVE!

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XRP WATCH! Clarity ACT Crypto Market Structure LIVE!



💲👇💲
WIN 2,000 XRP Start NOW: https://www.btcc.com/market-promotion/bonus2/kol?name=Oscar&#signUp
join me on BTCC and trade to win
FREE TRADE ALERTS Group https://cryptoramos.com/

✅ SEE my trades, behind the scenes, and Inner Circle Community on my Exclusive Discord Server!!! https://www.patreon.com/oscarmoney

✅$1 CRO Party Telegram: https://t.me/ramoscro

XRP WATCH! Clarity ACT Crypto Market Structure LIVE!

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#crypto #xrp #bitcoin

⛔️Disclaimer⛔️
This video is for educational purposes only. Please do your own research before making any decisions with your money. I will not be held liable for any losses or gains you may experience. I am not your financial or investment advisor. This is completely educational content and should be taken as such – the views expressed in the content are opinions. Nothing on this channel should be taken as a recommendation to buy a particular crypto asset. The information shared on this channel is not indicative of future results. Analyses are not absolute and are prone to change in accordance with present and future market events. Please do all of your own research before you buy any cryptocurrency or any financial product.

Some of the links and other products that appear on this video are from companies which Oscar Ramos will earn an affiliate commission or referral bonus. Oscar is part of an affiliate network and receives compensation for sending traffic to partner sites. The video is accurate as of the posting date but may not be accurate in the future.

I WILL NEVER CONTACT YOU IN ANYWAY (ON ANY PLATFORM). IF YOU GET CONTACTED BY ANYONE CLAIMING TO BE ME, IT IS NOT ME. FOR EXAMPLE, COMMENTS SHOWING WHATSAPP NUMBERS ARE NOT ME. ADDITIONALLY, PEOPLE HAVE THE ABILITY TO CALL YOU USING AI TECHNOLOGY SO IT SOUNDS LIKE ME. THIS AGAIN IS NOT ME. NEVER WILL I CONTACT YOU IN ANY WAY. DO NOT RESPOND OR INTERACT WITH ANYONE ON ANY PLATFORM CLAIMING TO BE ME OR WORKING ON MY BEHALF – THEY ARE SCAMMERS.

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