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THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

Auteur(s): Ric Edelman
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 Ric Edelman is the nation’s most acclaimed financial advisor, the #1 New York Times bestselling author of 11 books on personal finance with more than one million copies in print in seven languages, and founder of the nation’s largest financial planning firm, ranked #1 for quality by Consumer Reports. Every weekday, Ric gives you the information you need about the five personal finance topics that matter most today: longevity, retirement security, exponential technologies, digital assets, and health & wellness. Using his trademark humor and unique delivery, Ric makes complex topics easy to understand – as only he can! Ric was ranked three times as the nation’s #1 Independent Financial Advisor by Barron’s, and he’s in both Research Magazine’s and Barron’s Financial Advisor Halls of Fame. He’s also recipient of IARFC’s Lifetime Achievement Award. Investment Advisor, RIABiz and InvestmentNews all named him one of the most influential people in the investment management profession – and he’s been named seven times by TALKERS as one of the HEAVY HUNDRED – the 100 most important radio talk show hosts in the country! Tune in to Ric’s show every weekday for the knowledge you need to achieve financial success! For more information, visit www.thetayf.com© 2024 Finances personnelles Économie
Épisodes
  • Episode #4: How to Graduate College Debt-Free in 4 Years

    Episode #4: How to Graduate College Debt-Free in 4 Years
    Nov 18 2025
    Hey there! This is the final episode of my special four-part series on college, and honestly, it might be the most important one yet. I'm sharing this with you to celebrate the launch of my 14th book, The Truth About College, hitting stores on December 4th. Today, I'm giving you the strategies you've been waiting for - eight powerful ways to help your teen graduate college in four years, completely debt-free, and on the dean's list. We're talking about real money-saving tactics here, not just theory. I'll walk you through everything from earning college credit in high school through AP and Dual Enrollment classes, to taking advantage of CLEP and DSST exams that can cut years off your degree timeline. Yes, I'm even going to make the case for community college - and before you tune out, hear me out on why this could save you over $100,000. We'll explore how 35 states now offer free community college, and 25 states provide free four-year degrees. I'll tell you about major employers like Amazon, Starbucks, and Disney, who will pay for your teen's entire education while they work full-time. But here's the kicker - I'm giving you an exclusive preview of my book's final chapter: "The 12 Biggest Mistakes Students Make." From rushing into college to not realizing AI might eliminate their chosen career field, these mistakes could cost your family hundreds of thousands of dollars. This is practical, actionable advice that could literally change your teen's financial future. Don't miss it! Ready to help your teen avoid the college trap and find their path to success? Pre-Order The Truth About College Now for Exclusive Bonuses: https://thetayf.com/college/ #CollegePlanning #RicEdelman #TruthAboutCollege #StudentDebt #CollegeGoals #HigherEducation #ParentingTips #CollegeSuccess #StudentLoans #CollegeCosts #EducationPlanning #CollegePrep #FinancialPlanning #CollegeAdvice #StudentSuccess #EducationStrategy #CollegeDecisions #CollegeMyths #StudentMentalHealth #CollegeROI #EducationInvestment #CollegeAlternatives #CareerPlanning #StudyTips #AcademicSuccess #CollegeReadiness ----- Follow Ric on social media: Facebook: ⁠https://www.facebook.com/RicEdelman⁠ Instagram: ⁠https://www.instagram.com/ric_edelman/⁠ LinkedIn: ⁠https://www.linkedin.com/in/ricedelman/⁠ X: ⁠https://twitter.com/ricedelman⁠ YouTube: ⁠https://www.youtube.com/@RicEdelman⁠
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    40 min
  • Episode #3: Make This Mistake, and College Will Lead to Your Teen's Ruin

    Episode #3: Make This Mistake, and College Will Lead to Your Teen's Ruin
    Nov 11 2025
    In this third episode of my special college series, I'm going to give you some hard truths that might make you uncomfortable – but they could save your teen's financial future. I start by revealing a shocking statistic: engineering graduates earn $73,000 five years after graduation, while psychology majors earn just $40,000 – yet both degrees cost exactly the same at any given school. This isn't fair, and it's why you need to think about college as an investment that must generate a solid return. Here's what I really want you to understand: the days of "follow your passion" advice are over. When college cost $5,000 total back in the 1960s and few people had degrees, any diploma set you apart. Today, with 60% of high school graduates going to college and degrees costing up to $300,000, your teen faces massive competition and must choose a major that leads to high-paying work. I spend significant time explaining why student loans are so dangerous – and they're nothing like other loans. Unlike mortgages or car loans, student lenders give money directly to 18-year-olds with no income requirements, no collateral, and no monthly payments for up to seven years. The results are devastating: 71% of borrowers delay major life decisions like buying homes, getting married, or having children because of their debt. Even worse, you can't discharge student loans in bankruptcy, and 37% of students drop out but still owe the money. I share alarming statistics about wage garnishments and how 4 million parents owe $65 billion in parent PLUS loans. My message is clear: choose an inexpensive college, graduate in four years, and avoid student loans entirely. Next week, I'll show you exactly how to minimize college costs and reveal the 12 biggest mistakes students make. This episode is essential listening for any parent who wants to help their teen get a college education without destroying their financial future. Ready to help your teen avoid the college trap and find their path to success? Pre-Order The Truth About College Now for Exclusive Bonuses: https://thetayf.com/college/ #CollegePlanning #RicEdelman #TruthAboutCollege #StudentDebt #CollegeGoals #HigherEducation #ParentingTips #CollegeSuccess #StudentLoans #CollegeCosts #EducationPlanning #CollegePrep #FinancialPlanning #CollegeAdvice #StudentSuccess #EducationStrategy #CollegeDecisions #CollegeMyths #StudentMentalHealth #CollegeROI #EducationInvestment #CollegeAlternatives #CareerPlanning #StudyTips #AcademicSuccess #CollegeReadiness ----- Follow Ric on social media: Facebook: ⁠https://www.facebook.com/RicEdelman⁠ Instagram: ⁠https://www.instagram.com/ric_edelman/⁠ LinkedIn: ⁠https://www.linkedin.com/in/ricedelman/⁠ X: ⁠https://twitter.com/ricedelman⁠ YouTube: ⁠https://www.youtube.com/@RicEdelman⁠
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    18 min
  • Episode #2: What College is Really All About

    Episode #2: What College is Really All About
    Nov 4 2025
    Hey there! This is part two of my special podcast series celebrating my new book, "The Truth About College," coming December 4th. Today, I'm taking you on what might be the most important detour we'll make in this entire series. I want to talk to you about something most families completely miss when discussing college: lifestyle and money. Before your teenager even thinks about which school to attend, they need to understand what kind of life they actually want to live after graduation. I'm going to challenge you to ask your teen some tough questions. When they travel, do they want to stay at a $270-a-night hotel or a $5,000-a-night suite? Economy class for $100 or business class for $1,000? These aren't just hypothetical questions – they reveal the income level your teen will need to support their desired lifestyle. Here's the problem: most people choose a career first, then build their lifestyle around whatever income that career provides. That's completely backwards! You should figure out your desired lifestyle costs first, then choose a career that can fund it. Just ask the 300,000 teachers who quit last year – many citing compensation as the primary reason. I'll also dive deep into something no one talks to teens about: taxes. That $80,000 salary your teen is excited about? They'll actually net around $56,000. Everything costs more than they think because of taxes, fees, and the real cost of living. Then we get into the nitty-gritty of college costs. Spoiler alert: it's not just tuition. When you factor in inflation, the reality that most students take six years to graduate (not four), and all the hidden costs, we're talking about potentially $600,000 less in retirement savings for students who don't graduate on time. This episode is about making sure your teen makes informed decisions about their future – because the choices they make now will determine the lifestyle they can afford for the rest of their lives. Ready to help your teen avoid the college trap and find their path to success? Pre-Order The Truth About College Now for Exclusive Bonuses: https://thetayf.com/college/ #CollegePlanning #RicEdelman #TruthAboutCollege #StudentDebt #CollegeGoals #HigherEducation #ParentingTips #CollegeSuccess #StudentLoans #CollegeCosts #EducationPlanning #CollegePrep #FinancialPlanning #CollegeAdvice #StudentSuccess #EducationStrategy #CollegeDecisions #CollegeMyths #StudentMentalHealth #CollegeROI #EducationInvestment #CollegeAlternatives #CareerPlanning #StudyTips #AcademicSuccess #CollegeReadiness ----- Follow Ric on social media: Facebook: ⁠https://www.facebook.com/RicEdelman⁠ Instagram: ⁠https://www.instagram.com/ric_edelman/⁠ LinkedIn: ⁠https://www.linkedin.com/in/ricedelman/⁠ X: ⁠https://twitter.com/ricedelman⁠ YouTube: ⁠https://www.youtube.com/@RicEdelman⁠
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    26 min
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