Dynamic Growth
171 episodes - English - Latest episode: 7 months ago - ★★★★★ - 15 ratingsAn interactive journey in pursuit of your own potential. Nate, Derek and Macy share tips for personal growth and investing to help you live a fulfilled life.
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Episodes
Investing Heuristics & Cognitive Errors
December 11, 2023 21:05 - 23 minutes - 32.6 MBWe delve into the intriguing world of investing heuristics and cognitive biases. This week, we're exploring how psychological factors like overconfidence, the illusion of control, and conservatism bias can shape investment decisions, often in unexpected ways. Join us as we dissect these cognitive errors, discuss real-life examples, and provide insights into how investors can navigate these mental pitfalls to make more informed decisions. Whether you're a seasoned investor or just starting ou...
How Long Does it Take to Save $1Million - Dynamic Growth
November 14, 2023 22:01 - 25 minutes - 35.5 MBWe break down the savings timeline, considering various income levels and investment approaches. But it's not just about saving – we also delve into the current financial climate, discussing the worsening liquidity in the treasury market, and what it means for your investment portfolio. Plus, we analyze how to adjust your returns for inflation to ensure your savings maintain their value over time. Whether you're a seasoned investor or just starting out, you'll find actionable insights and ex...
Making Quick Judgements With Incomplete Information
September 08, 2023 20:40 - 26 minutes - 36.8 MBIn this episode we get inspiration from the Nobel Prize Winner Daniel Kahneman in his work "Thinking Fast and Slow". We discuss how that relates to analyzing the economy and picking investments. We also discuss recent data from the labor market and some wild inconsistencies and innacuracies in the data. We hope you enjoy this week's episode!
Dynamic Growth: Bud Light Controversy & Alternative to Bonds
August 28, 2023 22:11 - 39 minutes - 54.1 MBIn this jam-packed episode, we dive into NVIDIA's blowout quarter and what it means for tech investors. Could life insurance really be the new bond alternative in your diversified portfolio? We unpack this unconventional approach. We also discuss the recent Bud Light controversy that's sparking debates. Plus, don't miss our 'Stock to Watch' segment where we reveal a stock that's looking like a promising buy right now. Tune in for insightful analysis, market trends, and financial tips you won...
How Much Money Do You Need in Retirement? & More Trouble With Banks
August 17, 2023 20:08 - 42 minutes - 58.5 MBIn this episode we discuss troubling economic data coming out of China and more trouble in the banking sector with credit rating agencies putting warnings on the large banks after downgrading U.S. credit. We then discuss how much money people think they need in retirement vs how much they actually need and if people have realistic expectations about portfolio returns and amount of time it takes to save enough to retire early. We hope you enjoy this week's episode
Are Optimists Rewarded? Small-Caps Outlook
August 07, 2023 19:04 - 9 minutes - 12.7 MBWhile pessimism often wears the mask of sophistication and depth, it's the optimists who frequently come out on top in the long run. Join us as we debunk the myths surrounding investment attitudes and shed light on the overlooked potential of small-cap stocks. With large caps taking the limelight, we'll explore the compelling reasons why small caps might just be the dark horse set to outperform in the coming years. Whether you're a seasoned investor or just starting out, this episode promis...
Will The U.S. Default? & Nvidia Grows by $200B!
May 30, 2023 22:58 - 34 minutes - 47.5 MBIn this episode we discuss the recent discussion around the debt ceiling and why it matters, also why it doesn't matter. We discuss the implications of default and what it means for the long term of the U.S. Sovereign Debt. What would have to happen for the U.S. to get the debt problem under control and will that ever happen... We end the podcast discussing recent earnings from Nvidia, a designer of high-power processing GPUs that are used in many areas including AI. They proved wall stre...
Did China's Reopening Fall Flat?
May 19, 2023 21:53 - 48 minutes - 67.1 MBToday we discuss recent retail earnings in the U.S. the lower-than-expected guidance from Home Depot and strength from Walmart and Target. We also discuss the Bitcoin 2023 conference and the current state of Bitcoin. We discuss China's retail sales and Industrial Output and how it came in under expectations. Nate talks about the new war on plastic and why consumers are switching back to cash for purchases due to problems with point-of-sale and issues in the banking system.
What's The Best Advice You've Received
May 05, 2023 19:55 - 28 minutes - 39.8 MBWe start the podcast by discussing Eli Lilly and its strong performance year-to-date as well as two promising drugs that they are releasing. We weigh the pros and cons of buying the stock and then dive into the recent decision by the FED to once again raise interest rates in the face of financial turmoil in the banking sector. We end by discussing the best advice we have ever received and how its impacted our lives. We hope you enjoy this episode!
Fact Checking Dave Ramsey's Bad Advice
April 27, 2023 21:12 - 41 minutes - 57.3 MBIn this video, we'll be discussing the renowned financial guru Dave Ramsey and his incredible impact on helping millions of people get out of debt. While Dave's advice on eliminating debt has transformed countless lives, we'll delve deeper into his wealth accumulation strategies and explore where they may fall short. Join us as we dissect his investment recommendations and offer alternative perspectives to maximize your wealth-building journey.
Is it Over for the Dollar?
April 07, 2023 21:20 - 40 minutes - 55.3 MBIn this insightful podcast episode, we explore the potential impact of BRICS countries (Brazil, Russia, India, China, and South Africa) developing a new currency that could challenge the dominance of the US dollar in global trade and finance. We delve into the current state of dollar-denominated debt on a global scale, the US dollar's role in international trade, and the economic challenges faced by China. Despite the growing influence of BRICS nations, we argue that the threats to the US do...
Bridging the Skill Gap: Trade Agreements, Automation, and the Future of Education w/ Carly Snyder
March 31, 2023 21:18 - 34 minutes - 47.1 MBIn this episode of Dynamic Growth, Derek and Carly Snyder delve deep into the growing skill gap between what employers need and what employees possess. We discuss the impact of trade agreements on the labor market, the role of automation and artificial intelligence in shaping the workforce, and how universities and trade schools are adapting to prepare workers for the evolving job landscape. As globalization accelerates, trade agreements have played a significant role in redefining labor m...
2023 Banking Crisis Explained
March 23, 2023 21:57 - 42 minutes - 57.7 MBWhat happened to SVB and Credit Suisse, what it means for other banks, and will there be contagion? Will this cause the FED to pivot or will they remain tight on inflation?
Real Estate Headaches & Powell v.s. Warren
March 10, 2023 22:16 - 44 minutes - 61.3 MBIn this episode, we discuss Nate's headaches owning the building and how real estate isnt exactly passive income. Then we discuss a recent exchange between senator Elizabeth Warren and Jerome Powell. We hope you enjoy!
We Changed Our Minds
February 17, 2023 21:47 - 34 minutes - 47.4 MBThis week we discuss how we changed our minds about the 529 plan and on buying Fixed Income investments. By the end of the year, you can potentially get a positive real return holding short-duration treasuries. This hasn't happened for a long time, we also talk about an interesting strategy with investment-grade corporate bonds as well. We hope you enjoy the podcast!
Super Bowl Ads: Waste of Money or Marketing Magic? w/ Carly Snyder
February 10, 2023 19:21 - 19 minutes - 22.5 MBCarly Snyder joins Derek to discuss the effectiveness of Super Bowl Ads. This year it costs 7 MILLION dollars for a 30-second ad. Why do brands spend so much? Is there a profitable return on that investment? How are brands adapting to new mediums outside of TV advertising? We hope you enjoy the podcast!
How Does Secure ACT 2.0 Affect Your Retirement?
February 01, 2023 20:46 - 39 minutes - 54.8 MBWe discuss the recent objectives and goals of the world economic forum and what their prediction for the world looks like. We end the pod discussing the new Secure Act 2.0 and how it affects retirees.
Can you use Chat GPT to Invest?
January 17, 2023 23:19 - 27 minutes - 38.2 MBWe talk about the positive start to the year and about ways people have been using the machine learning algorithm Chat GPT to automate tasks with high accuracy. What does this mean for the future of work? We end by talking about an ETF that makes investment decisions based on AI, the performance has been terrible so far but what does this look like in 5,10,20 years?
Are We Currently In A Recession?
January 09, 2023 23:00 - 24 minutes - 27 MBJobs data shows the unemployment rate is falling and non-farm payroll came in above expectations. While this is good news for the economy, it also means there will be no mercy for the stock market. The FED is looking at the labor market for signs that they are doing too much on the inflation front. With the labor market going full steam ahead this gives the FED more room to tighten into an actual recession. We hope you enjoy the episode
Should You Buy Bonds in 2023?
December 29, 2022 16:36 - 36 minutes - 50.5 MBIn this episode we discuss how to put good news and bad news into perspective, we also talk about how events in the crypto ecosystem have set the industry back years. Lastly, we discuss if it is finally time to buy bonds or if the FED will have to raise rates higher than they previously stated.
Buying Stocks Based On Political Beliefs
December 16, 2022 17:51 - 47 minutes - 47.1 MBShould politics affect your investment decisions? We think investing should not involve emotions, removing your personal biases from investing decisions will lead to better outcomes in the long term. It's a challenging discussion because if you have moral beliefs embedded in political views, how much are you willing to put up with for more return? We also discuss new inflation data and the most recent FOMC decision to raise interest rates by 50 bps and how that impacts out investing outlook.
World Cup Conspiracy & Personal Finance Hacks
November 23, 2022 20:19 - 49 minutes - 53.5 MBIn this episode, Nate discusses the world cup and the potential shady business going on with FIFA and Qatar. We also discuss a different way to think about monthly payments and how that can impact financial freedom. We hope you enjoy this week's episode. If you enjoy this episode please like, share, and subscribe!
Was FTX Hacked? FTX Bankruptcy Explained
November 18, 2022 21:28 - 42 minutes - 45.3 MBFTX was reportedly hacked for 477M hours after they declared bankruptcy, Derek goes into new details surrounding the FTX collapse. Nate discusses a Bank of America study that shows investing trends of the wealthiest Americans.
FTX Meltdown Explained
November 11, 2022 16:59 - 39 minutes - 42.7 MBWhat the heck is going on in crypto? Derek gives some background and details about what is causing the entire crypto market to panic. FTX was the 2nd largest crypto exchange, they were worth 32B and now have gone bust due to corruption that will likely end in jail sentences for the CEO. Nate discusses how businesses use free cash flow and what investors should look for when evaluating free cash flow.
Does Regulation Hurt Investors?
November 04, 2022 17:00 - 41 minutes - 40.8 MBNate discusses possible ways that well-meaning financial regulation can hurt the everyday investor. Does receiving quarterly statements hurt your long-term performance? Derek gives some broader context as to why the FED is consistent in their message to tighten financial conditions despite many saying they have over tightened.
2022 Pension Strategy & Twitter Free Speech
October 28, 2022 18:42 - 31 minutes - 33.8 MBIf you currently have a pension, Nate gives insight into a unique opportunity for pensions in 2022. With Elon Musk finalizing the deal to acquire Twitter we discuss the implications for free speech and the debate of how much freedom we are willing to give up for security. We hope you enjoy this week's episode.
Active v.s. Passive Investing & Turmoil In Japan
October 21, 2022 20:45 - 51 minutes - 55.9 MBIn this episode, Nate discusses common misconceptions about passive investing and why active management has some distinct advantages during bear markets. Derek talks about recent events in Japan's bond market and the issues they are having with their currency. We end with reflecting on the long-term implications of bailing out the economy during the 2008 housing crisis.
Q4 Strategy Updates
October 07, 2022 21:06 - 32 minutes - 33.6 MBThe calendar marks the next quarter. As we go into Q4 Derek and Nate discuss what is on their radar and changes to the portfolio. We discuss Fixed Income, Stocks, Money Markets, the US Dollar, Commodities, and Real Estate. We hope you enjoy this episode!
Dollar Milkshake Theory & Specialization
September 30, 2022 19:52 - 41 minutes - 45.5 MBWe didnt come up with the dollar milkshake theory but it has played out surprisingly well. Brent Johnson of Santiago Capital came up with the theory before the pandemic. It predicts a massive run-up in the dollar and capital flows into the U.S. as other countries are forced to print currency to get dollars to get the things they need. Nate then discusses the question on whether or not its better to be a specialist or a jack of all trades to build wealth. We hope you enjoy the episode.
FED Raises Rates & Diversification in Bear Markets
September 23, 2022 20:27 - 35 minutes - 38.1 MBWant a chance to win $10,000 from a field goal kick? On October 7th Hillsdale high school is doing a raffle for one person to attempt a 40yd field goal kick. If successful the kicker will win $10,000! Get tickets by visiting Crosby Advisory, Fickes furniture, or Hillsdale high school before October 7th. In this episode, we discuss the recent FOMC meeting where the FED decided to raise interest rates by 75bp or 3/4 of one percent. We discuss the broader implications for markets. We also tou...
Fertilizer Shortage & Dutch Farmers' Protest
September 16, 2022 20:33 - 54 minutes - 57.1 MBIn a global effort to curb greenhouse gas emissions, many countries have adopted energy policies against domestic self-interest. In Europe, the price of natural gas has gotten so expensive that fertilizer producers are not able to operate profitably, threatening the global food supply. In a related story, Netherlands farmers are mandated to cut down on fertilizer usage. These farmers have been protesting for a while and it has largely been ignored and under-reported by news outlets. We then ...
Structured Notes, Strength in the U.S. Dollar
September 09, 2022 18:03 - 51 minutes - 49.5 MBNate discusses structured notes and how they can fit into a diversified portfolio and provide some downside protection for conservative and aggressive investors. He also discusses two notes that are currently being offered. Derek discusses recent news about crypto regulation and the SEC as well as the outlook for FED tightening and ends with discussing the recent run-up in the USD as other currencies fall relative to the dollar. We discuss what that means for the U.S. and the globe and em...
Nate's Adventure & Student Loan Forgiveness
September 02, 2022 19:10 - 54 minutes - 52.6 MBNate is back from his multi-day trip to the Colorado mountains with nothing but a backpack and a fishing rod. He speaks on some of the revelations he had while hiking and what he brought back from the trip. Derek fills him in on the economic events from last week, namely the Jackson Hole summit and the announcement that the White House chose to forgive up to 20,000 student loans for specific borrowers. If you enjoy the podcast, please like and subscribe!
Marketing In A Recession
August 25, 2022 20:11 - 32 minutes - 35.1 MBAt first glance, I am willing to bet a lot of companies will cut their marketing budgets. Marketing is often viewed as an expense but let’s be real, marketing is an investment. Another way to think about this is with your investment portfolio for example. During the last six months, you may have felt the urge to sell some of your investments. But if you listen to this podcast on the regular, you’d know that the best thing to do is to leave your investments where they are. Just like market...
Patience in Bear Markets & Coinbase Meets Blackrock
August 19, 2022 19:34 - 33 minutes - 35.7 MBNate discusses a study in patience with children and its results later in life. This applies to investors in bear markets, patience is a difficult thing to master but important for long-term success. Derek starts a discussion around recent inflation data and the story that Blackrock will begin offering a bitcoin trust to institutional investors and what that means for the core principles of bitcoin. We hope you enjoy the podcast!
Inflation Reduction Act & Thinking Slow
August 10, 2022 17:46 - 42 minutes - 44.9 MBIn this episode, we discuss inflation once again and give our thoughts on the recent legislation designed to reduce inflation. As well as recent events developing in China and Taiwan. Lastly, Nate gives his thoughts on the benefits of "thinking slow" referencing a book titled "Thinking, Fast and Slow" by Daniel Kahneman and how that relates to emotions and investing. We hope you enjoy the episode!
Stocks to Watch & FED Raising Rates
July 29, 2022 18:07 - 52 minutes - 53.7 MBBack from vacation, Nate discusses some stocks on his radar that he believes will be a great opportunity to buy and hold while receiving a dividend. He also gets in touch with his youth to discuss his recently re-kindled love for skateboarding. Derek talks about the recent news out of the White House that we are currently "not" in a recession despite traditional definitions and lastly we discuss our market outlook not mapping directly onto recent market performance and why investors might be...
Active v.s. Passive Investing
July 20, 2022 17:00 - 28 minutes - 33 MBDerek is back in the studio for the first in-person podcast in a while. We discuss the pros and cons of passive vs active investing. Passive investing is a great plan long term but it can be tough during bear markets. If you know what you are doing and have the knowledge and resources to help, active investing can protect your downside during market drawdowns. We hope you enjoy it, if you like the podcast follow us on social media @crosbyadvisory and share the podcast with a friend!
More Inflation & Crypto Pain
July 06, 2022 16:03 - 44 minutes - 45.2 MBYou get what you pay for Now more than ever an investor has to understand how asset classes work within the market cycle and where you are at in the cycle. Over the years, many investors have gotten away with a passive strategy. When someone wonders why they would pay someone to manage their investments during a bull market, the answer might seem obvious on the surface. Today you might not find the answer quite so simple. You need an iron stomach if you are committed to passive investing. ...
Some Positive News
June 27, 2022 13:47 - 35 minutes - 36.6 MBWe feel we have only brought negative news in the past few episodes so we wanted to switch up the tone. We only wanted to share positive news and information during this episode. We discuss positive news in our personal lives and some things we are looking forward to, hopefully, the episode is viewed as a nice change of pace from all of the negativity constantly surrounding us.
How to Manage Risk in a Bear Market?
June 16, 2022 17:53 - 46 minutes - 49.9 MBAs the glory days of free money come to an end (for now), we are fielding a lot of questions about how to protect investments in a down market. Since January, we’ve watched a steady decline, and even if you aren’t heavily invested in the stock market, you are being hit hard at the gas pump, in the grocery store, wherever you go – you name it, it’s unavoidable! Today we’re talking about your 401k investment strategy and giving tips for riding out a bear market Target date funds have been...
A New Place for Short-Term Cash, World Economic Forum, Solana Collapse
June 09, 2022 15:55 - 38 minutes - 38 MBFor those of you that listen to the podcast (vs just reading our summaries), notice anything new this week? Maybe the intro music! We thought it was time to change it up a little – hope you like it! Today we’re sharing predictions from the recent World Economic Forum, Derek gives the latest updates on Crypto, and Nate discusses an interesting new investment opportunity.
Social Media Wisdom w/ Malery Sloan
June 02, 2022 19:46 - 26 minutes - 23.9 MBSpecial Guest Carly Snyder and Malery Sloan take over this week to give insight on social media and marketing. Both have extensive experience in advising clients and Malery brings particular expertise in the realm of social media. We thank her for joining us today and look forward to the next episode.
Updates from the FED & Evaluating a Company's Debt
May 19, 2022 15:09 - 35 minutes - 34.8 MBHave you ever watched something happen and it almost feels like it’s in slow motion? You know what’s going to happen but there’s really nothing you can do to change the course. Sound familiar? It’s exactly how we feel when it comes to the market and listening to the most recent earnings reports from major retailers was yet another example of the bear market at work. In the most recent Fed meeting, the message was clear – continue with the status quo. As we watch the controlled demolition ...
The Lightning Network, How to Value Bank Stocks?
May 05, 2022 17:43 - 43 minutes - 44.9 MBIn this week’s podcast, we introduce listeners to the Lightning Network – what is it and why is it important to Bitcoin owners. Nate & Derek also give tips for investors that are evaluating banks. The lightning network is a second layer of technology on top of Bitcoin. It was developed in 2015 to try and solve the major critiques of Bitcoin – it has 10-minute transaction times and lacked global transactional reach. An easy way to think about the role the lightning network plays is the examp...
What is Risk, Netflix Gets Crushed, Elon Buys Twitter
April 28, 2022 20:21 - 44 minutes - 44.6 MBToday we talk about famous investor Bill Ackman and his 400M dollar loss on Netflix's stock. We also discuss Elon's purchase of Twitter for $44B and Nate gives his thoughts on what is actually meant by "risk". Lastly, we talk about what it would take to give us a breather in a tough market.
Investing 101 Revisited
April 21, 2022 20:16 - 32 minutes - 32.9 MBNate, Derek, and Macy are discussing questions that new investors are likely to ask and we give our different perspectives. We recorded Investing 101 in 2020 but felt we could go even more fundamental with the questions. We hope you learn something and enjoy the podcast.
Evaluating Disney as a Brand w/ Carly Snyder
April 14, 2022 20:22 - 35 minutes - 36 MBCarly is back on the podcast to discuss her recent trip to Disney World. On the trip, Nate couldn't help but look at all the small details of branding that are scattered across the park. We discuss Disney as a brand, and how customers come to form opinions about the quality of a product or service.
Inverted Yield Curve & The Fear Index
April 06, 2022 11:56 - 42 minutes - 42.8 MBYield Curve and The VIX The inverted yield curve has predicted a recession 22 times since 1900. Today we’ll break down the key indicators used to measure market volatility, including the yield curve and the VIX index. A yield curve plots treasury bonds at 3, 6, and 12 months, as well as 2, 5, 10, and 30 years. When the yield curve inverts, often a recession will follow in the next 6-24 months. Historically you expect that longer duration bonds will pay more than shorter – money today is...
Reviewing the Cryptocurrency Executive Order
March 15, 2022 12:02 - 31 minutes - 27.6 MBNate and Derek review the new cryptocurrency executive order and give our takes on CBDC and regulation. We also discuss the amazon stock split and recent hot takes from the author of Rich Dad Poor Dad Robert Kiyosaki.