In this podcast, Monika Halan, a well-known personal finance writer, speaker and author who helps families get their money decisions right, speaks with Ajeet Bharti on various aspects of personal finance, insurance scams, frauds, budget and many more issues.

Books: https://www.monikahalan.com/books/

She is the founder of Dhan Chakra Financial Education and the best-selling author of Let’s Talk Money that is now available in Hindi, Marathi and Punjabi as well. She is an Adjunct Professor at Banasthali Vidyapeeth, Rajasthan. She is the Chairperson of Sebi’s Advisory Committee for Investor Protection and Education Fund.

She is a regular speaker on financial literacy, regulation, inclusion and consumer issues in retail finance. She has a Master’s in Economics from the Delhi School of Economics and a second Master’s in Journalism Studies from College of Cardiff, University of Wales, UK. She has worked across various media organisations in India, including Mint, The Economic Times and The Indian Express, and was Editor Outlook Money. She has run four successful TV series around personal finance in NDTV, Zee and Bloomberg India.

Monika has public policy experience as Member of the Task Force set up by the Government of India to put in place the Financial Redressal Agency, Member on the Sebi Mutual Fund Advisory Committee from 2009 to 2021, Member on the Ministry of Finance Committee on Incentives (Bose Committee), and Advisor to Swarup Committee in 2009.

She has four published academic papers in the field of household finance.
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Chapters
00:00 Promo
02:38 Intro
04:45 Biggest Gap In Finance
08:25 What Is Financial Security
12:33 When To Start Investing
20:30 Monika Halan Podcast
21:23 How To Save When You Earn Very Less
31:50 Truth Of Financial Products
38:18 Is Insurance A Scam?
43:45 How Companies Deny Insurance
46:35 Govt At Fault, They Don’t Regulate
55:35 What Does Insurance Co Do With Our Money
01:00:57 Sweet Talk By Agents
01:03:15 Should Life Run On Credit
01:05:23 EMI To Maintain Status
01:08:07 What Is Employment
01:11:52 How Imp Is Financial Freedom For Women
01:19:45 A Good Husband
01:24:00 Women Entrepreneurship
01:27:00 Freebies & Women
01:31:40 Advice For Single Working Person
01:33:08 Newly Married, Both Working
01:35:55 Someone With Young Kids
01:37:58 Men & Women in 50s
01:39:53 Budget Expectations
01:45:34 Uniqueness of Indian Economy
01:52:29 Outro
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THEY WANT TO FUD YOU OUT OF XRP – BUYING 1000 XRP IS GETTING MORE EXPENSIVE – YOUR NOT TOO LATE YET

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Hey, I am Rich from Common Sense Crypto, bring you crypto news & information regarding the cryptocurrency market. The content on my channel will focus on news, common sense, insights and overall guides regarding XRP, Bitcoin, Ethereum, HBAR, & various altcoins.

DISCLAIMER: I am not a financial adviser, & all information given in my videos or on my social media platforms is for entertainment purposes only and is not financial advice.

Description Tags (Ignore)
#xrp #ripple #crypto

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Produced by: @getbasedtv
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Editor: Benjamin Côté
Assistant Editor: Beto Guerrero

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President Donald Trump has withdrawn key U.S. funding from the United Nations, and the international organization is now facing the risk of “imminent financial collapse,” according to U.N. Secretary-General António Guterres. Trump may also be signaling this could be part of a broader shift in global power, with the rejection of globalism and the return of American dominance.

Meanwhile, spies from Russia, China, and Iran are getting more aggressive within the United States. And they’re targeting people living here in America.

We’ll discuss this topic and others, in this episode of Crossroads.

– – – – – – – – –
Views expressed in this video are opinions of the host and guests, and do not necessarily reflect the views of The Epoch Times.

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#XRP #XRPNews #XRPToday

What we cover today:

The 8-Year Low: Why XRP exchange balances have cratered to 1.5 billion tokens and where they are actually going.

The ETF Vacuum: Analyzing the $1.37 billion institutional inflow from Canary, Franklin Templeton, and Bitwise.

Jake Claver’s Thesis: We explore the ‘ruthless suppression’ narrative and the programmed utility-driven growth.

The $33 Trillion Signal: How tokenized real-world assets (RWA) and RLUSD are creating a supply shock that cannot be ignored.

The Final Fuse: The Clarity Act of 2026 and the end of regulatory ambiguity.

Interactive Question: Do you believe we are witnessing a repeat of the Hunt Brothers silver squeeze, but on a global, digital scale? Let’s analyze the data in the comments.

I am The Calm Analyst. We don’t wait for the future, we plan for it.”

Welcome to The Calm Analyst — your clear, rational space for understanding financial markets, cryptocurrency, and the global economy without noise or hype.

At The Calm Analyst, we focus on breaking down complex market movements and financial concepts into calm, structured, and data-driven insights that help you see the bigger picture and think independently.

On this channel, you’ll find content covering:
✔️ Cryptocurrency markets, blockchain, and digital assets
✔️ XRP, Bitcoin, and major crypto trends & analysis
✔️ Global economy, inflation, and monetary policy
✔️ Market cycles, risk management, and investor psychology
✔️ Long-term investing perspectives and macroeconomic trends

What to expect:
📊 Clear technical & fundamental analysis
📚 Fact-based discussions backed by data and logic
🧠 Calm explanations designed to reduce emotional decision-making
🌍 Connections between global events and financial markets

Our mission is to help you analyze markets with clarity, patience, and discipline — empowering you to make informed decisions in a fast-moving financial world.

👉 Subscribe and turn on notifications 🔔 to stay updated with consistent, thoughtful market analysis.

⚠️ Disclaimer:
This channel is for educational and informational purposes only. Nothing shared here constitutes financial, investment, or legal advice. Markets involve risk, and losses are possible. Always conduct your own research and consult a licensed financial advisor before making investment decisions.

Keywords
XRP Supply Shock 2026, Jake Claver XRP analysis, XRP exchange liquidity 8-year low, Spot XRP ETF inflows January 2026, Franklin Templeton XRP ETF, Canary Capital XRP, Digital Asset Market Clarity Act 2026, XRP Ledger Tokenization $33 Trillion, RLUSD Binance listing impact, XRP deflationary burn rate 2026, Institutional accumulation XRP OTC, Ripple ODL volume 2026, XRP price discovery institutional, Silver Squeeze vs XRP Supply Shock, Glassnode XRP exchange balance data.

Hashtags
#XRP #Ripple #SupplyShock #JakeClaver #TheCalmAnalyst #CryptoNews2026 #ETFs #Tokenization #RWA #Finance #RLUSD #ClarityAct
#XRP #XRPNews #XRPToday #XRPPrice #XRPPrediction #Ripple #RippleXRP #XRPAnalysis #XRPLive #XRPArmy #Crypto #CryptoNews #CryptoNewsToday #Cryptocurrency #Bitcoin #Altcoins #XRPCoin #XRPLawsuit #XRPUpdate #RippleNews

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Most people make a solid amount of money, they just don’t manage to keep it. I hope this helps and I hope you enjoy.

My complete 60+ page manipulation guide on how to spot and defend manipulation in everyday life:
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👜 Business Mail: everythingprofessor@gmail.com

Watch on Spotify: https://open.spotify.com/show/07ZgD0ECjWPrjFgTZ4uwW6

—————————————————————————————

Timestamps:

0:00 Lifestyle Creep
1:14 The Car Payment Treadmill
2:22 The Minimum Payment Illusion
3:31 House Poor
4:39 The Whole life Insurance Scam
5:50 Paying for Convenience
7:10 Keep Up Appearances
8:23 The Emergency Free Delusion
9:45 Retail Therapy Addiction
11:03 The Retirement Delay
12:22 Brand Loyalty Tax
13:50 The Side Hustle Trap

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#shorts

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Expert Says XRP Holders Are About to Get VERY VERY Rich…

Expert analysts like Jake Claver are pounding the table harder than ever in early 2026 declaring that XRP has been deliberately suppressed longer and more ruthlessly than silver during the infamous Hunt Brothers squeeze while massive OTC deals worth billions of tokens have been quietly funneled to institutions central banks and sovereign wealth funds at artificially low prices. Exchange supply has crashed 57 percent to 8-year lows around 1.5 billion tokens while spot XRP ETFs now hold over 786 million tokens with 1.37 billion dollars in cumulative inflows proving institutional absorption is accelerating exactly as predicted.

The CLARITY Act continues advancing through Congress with realistic expectations for full enactment in 2026 delivering definitive regulatory frameworks that experts say will crash volatility and launch true price discovery into triple-digit territory. Escrow releases see most tokens re-locked while deflationary burns have already destroyed billions permanently and ODL processes over 15 billion dollars in real cross-border flows. Expert predictions of $100+ XRP aren’t hopium but data-driven projections based on supply shock mechanics mirroring the most explosive commodity squeezes in financial history.

Welcome to CryptoIQ — your hub for decoding the world of digital assets, global markets, and the future of money.
Our goal is simple: transform complex financial stories into clear, actionable insights that anyone can understand — whether you’re an investor, student, or someone exploring where the economy is headed.

CryptoIQ exists to bring clarity, confidence, and intelligence to the next era of digital wealth.
If you’re ready to understand where the world of finance is heading, you’re in the right place.

👉 Subscribe and tap the bell 🔔 so you never miss an update.

⚖️ Financial Disclaimer:
This content is for educational and informational purposes only. Nothing here is financial, investment, or legal advice. All investments involve risk, including potential loss of capital. Always do your own research and consult a licensed financial professional before making decisions.

#XRP #Ripple #XRPArmy #CryptoNews #RippleNews

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🔥Thanks for supporting the channel. Like, share, and comment if this helped clarify what’s really happening.

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