Andy Tanner

Noah is hilarious! Hot Crazy Matrix...But For STOCKS! youtu.be/g8_lVSAnP5Y?si=aN_n… via @YouTube

Its not about predicting as much as its about preparing. You don't put on a seatbelt or buy car insurance because you are predicting a car crash. That said, my team and I held an event last August specifically designed to prepare our students for the events we are seeing today. If you missed it, we did record the event - it's never too late to learn. cf.thecashflowacademy.com/ar…

I don’t put much credence in the Fed’s guidance. They’re not market leaders; they react to it. They can say rates won’t drop, but what choice do they have if unemployment rises? Stagflation leaves them choosing between inflation and recession—they are not equipped to fight both. If you haven’t taken the A.R.M.O.R. class, it’s worth considering. Just saying.

Great example of a volatility crush today. When an unknown becomes known, the market becomes less fearful and more greedy. Warren Buffett is holding true to his mantra of being fearful when people are greedy. The amount of cash he His building up is remarkable.

Bickering politicians often hype every election as an existential threat, branding each one “the most important in history.” But as an investor, my confidence lies in American business, not political outcomes. I expect markets to return to normal after the election. I view the election much like an earnings report—a Known Unknown. We know change is coming, just not its exact form, which fuels temporary volatility, potentially elevating the VIX and making protective options pricier until the event passes. The energy spikes before, not after. If election-driven market shifts worry you, consider collaring vulnerable positions to balance the high premiums on puts with those received on calls. For me, I’ll focus on real market threats, not election results. In my opinion, the bigger threat isn’t tomorrow’s outcome but what’s already happened over the past two decades. U.S. fiscal policy has become a problem so significant it may be beyond repair. If I’m wrong, I’ll adjust as needed. But I’m not trading on pre-election ghosts.

The S and P 500 Closes the at a high. Typically, the VIX is considered a "fear gauge," reflecting expected market volatility. A VIX level above 20 suggests elevated uncertainty or risk, often associated with market downturns. However, when this coincides with the market being at all-time highs, it can indicate that while investors are benefiting from strong performance, they are also hedging against the possibility of a sharp correction. In other words, it looks like they want to participate in this rally, but they don't trust it to be sustainable.

Warren Buffet hunts for bargains, unlike 401(k) participants who blindly pay Wall Street fees to buy stocks without discernment. It takes no skill to merely “buy the market.” As stocks hit new highs, investors risk paying more and getting less. With each contribution, 401(k) owners are getting fewer shares —much like they did in dot-com bubble. Note that high prices aren’t the problem, but paying top dollar without getting value is.

ncoa.org/article/addressing-… A systemic solution is not going to happen. This is not a problem that one can vote their way out of-despite what politicians would want you to believe. Politicians frame problems as things that are caused or solved by government. Messages of personal responsibility and personal development don't play well on the stump. But retirement is a problem we can educate ourselves to solve. Does it take work? Yes. but it's work that can be enjoyable to do. While there are no viable systemic solutions to the retirement crisis, there are individual solutions.

Interest payments on the national debt top $1 trillion as deficit swells cnb.cx/3XmsHtQ

Nonfarm payroll growth revised down by 818,000, Labor Department says cnb.cx/3AyDxVK

I recorded this video a couple of weeks ago for our A.R.M.O.R. class. This is not a beginner-level class, but I thought the insights Corey and Noah offered are valuable for anyone at any level. Some will drown because they can't swim; others because they panic. Panic comes from a lack of training for critical moments. cf.thecashflowacademy.com/ar…

I always find it interesting how many emails and texts and calls I get on days like this- where people want advice. This is why I have such a big problem with the advice culture - and why the education culture is superior. Education is for people that want to be smart. Smart people know how to put the seatbelt on before the car crash. Advice doesn't make you smarter because you're simply asking what to do. If you're feeling pain today, realize that it's probably because you don't know what to do- and more importantly because you didn't know what to do last week. A big shout out to our coaching, Director Corey Halliday, who sound of the alert to buy cheap OTM calls in the VIX last week. Great job by Noah for teaching the defensive collar trade in previous mentor clubs. In the entire financial world, I know of no place with greater participation without education than the stockmarket.

Honored to be selected for the Top 50 Showcase. Lots of fun.