Episodes
Dec. 10, 2025
80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them.
Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns. To win a horse race you need a fast horse and a good rider. The index is the horse. An index that has a strong history o...
Dec. 3, 2025
Just Like You Need a Fast Horse and Great Rider to Win a Horse Race, You Need a Strong Index and Great Strategy to Maximize Index Returns
Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk. Nvidia CEO, Jensen Huang, recently stated "The whole wo...
Nov. 26, 2025
We Need a Marshall Plan to Improve Housing Affordability
The medium age of all homebuyers is a record breaking 59. First-time homebuyers average age 40, up from age 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legall...
Nov. 19, 2025
How Index Annuities and Index Universal Life provide Unlimited Upside Potential without Downside Market Risk
This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates). Index annuities and Index Universal Life ...
Nov. 12, 2025
Reduce Your Market Risk with Indexes with up to 17% Average Annual Returns for the Past Decade with No Downside Market Risk
Ferenc Toth discusses the extreme overvaluation of the stock market, citing four major valuation indicators that are overvalued by three standard deviations, with the S&P 500 at its highest levels ever. He highlights that the...
Nov. 5, 2025
Index Products Provide Unlimited Upside Potential with No Downside Risk. Lock in Gains at Any Time. How to Obtain Index Historical Returns.
Ferenc shares the S&P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic. Index annuities and life provide unlimited upside potential with no downside...
Oct. 29, 2025
The Buffett Indicator has Hit 217%, the Highest ever Recorded
Ferenc discusses the unprecedented valuations of the S&P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble...
Oct. 22, 2025
Data Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028
Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highligh...
Oct. 15, 2025
How to Reduce Capital Gains on Highly Appreciated Assets and Reduce Market Risk
Ferenc Toth, a financial literacy educator, speaker, and entrepreneur, discusses the financial strategies and risks associated with the current market. He highlights the importance of understanding financial tools and making ...
Oct. 8, 2025
The AI Bubble is the Only Thing Keeping the US Economy from Recession
Ferenc Toth discusses the impact of the recent federal government shutdown, noting that 75% of employees are essential and 25% are non-essential, with the latter potentially facing termination. He criticizes the federal gover...
Oct. 1, 2025
The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?
Ferenc discussed the impact of the Federal Reserve's interest rate cuts on mortgage rates, which unexpectedly rose due to high federal debt levels. He highlighted the current AI bubble, comparing it to historical bubbles like...
Sept. 24, 2025
The Federal Reserve Lowered Interest Rates the First Time in 2025, Now What?
Ferenc discussed the Federal Reserve's recent interest rate cut despite high asset prices, debt, and inflation. He highlighted the dual mandate's counteractive nature and the political influence on rates. Ferenc noted the AI ...
Sept. 17, 2025
Our Country is at a Turning Point Due to the Charlie Kirk Assassination
Charlie Kirk was assassinated. He is a martyr. He was murdered in cold blood because someone disagreed with his ideas. Charlie was killed because he was effective. This proves the enemy was scared of him. Charlie threatened t...
Sept. 10, 2025
The Short and Long Term Risks of the Current Stock Market and Economy
Ferenc shares the short and long term risks to the current stock market and the overall economy. Short-term: - AI Bubble - Extreme valuations (all-time highs) - Extreme concentration in a few tech stocks - Nvidia: about half ...
Sept. 3, 2025
Is the AI Bubble Starting to Burst?
Ferenc discusses the parallels between the current tech stock market bubble and the dot-com era, emphasizing the risks of overvaluation and potential corrections. He recounts a listener's 100% return on tech stocks and warns ...
Aug. 27, 2025
Is the AI Bubble Starting to Burst?
A recent MIT study found that 95% of companies have received no benefit from generative Artificial Intelligence (AI). Sam Altman, CEO of OpenAI, recently warned of an AI bubble. Altman compared the current AI frenzy and the 1...
Aug. 20, 2025
The S&P500 has Hit the Highest Valuations in History!
Regardless of how you measure the S&P500, it is at the highest levels in history. The current valuations are higher than 1929 and 1999. The S&P500 Price to Sales Ratio has hit 3.2, the highest level ever recorded. The top...
Aug. 13, 2025
The Buffet Indicator Has Hit 2x Standard Deviation for the 3rd Time Since 1950
The Buffett Indicator is a measure of the total market capitalization of publicly traded companies to the Gross Domestic Product (GDP). Warren Buffett called it "probably the best single measure of where valuations stand at a...
Aug. 6, 2025
The Trade Deals Give Reasons for Optimism Yet the Transition will Likely Create Volatility
Trump has Announced Several Astounding Trade Deals The terms on the recent trade deals are very favorable for the United States. - Japan: 15% tariff, no tariff for US products, $550 billion joint-venture investment, 90% p...
July 30, 2025
There are Significant Tax Opportunities Due to the Big, Beautiful Bill
Ferenc cuts through the noise and politics and continues to share significant tax opportunities for many people due to the Big, Beautiful Bill that is now passed as law. The US government's lack of financial responsibility cr...
July 23, 2025
Economists Created a Model of the US Economy using NASA Computers. The Model Crashed Due to the Federal Debt.
Some leading economists and mathematicians built a computer model of the US economy to run various scenarios. Because this was such a big math problem, they used thousands of NASA and Amazon computers. The computers were unab...
July 16, 2025
The Big, Beautiful Bill has Passed. What is in it? How Will it Affect Your Money?
There is a lot of confusing info regarding the Big Beautiful Bill. Forget the noise or the politics. What are the facts on some of the key aspects? No Tax on Tips: up to $25,000 of tip income is tax-free plus your standard de...
July 9, 2025
Brigham Blackham Interview, host of the Levelin' Up Podcast
Brigham Blackham empowers top leaders through the art of storytelling. With a background in teaching Mandarin and theater, he combines his expertise in communication and leadership to help entrepreneurs elevate their stories ...
July 2, 2025
If Houses are not Selling, Why are not Prices Dropping?
Many people are confused. If houses are not selling, why are not prices not falling? There are several reasons. Cause : Housing prices increased an average of 50% from 2019 -2024 in the US. Some areas increased up to 100%. St...