Your Personal Bank

Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even when you access them for other purposes.

Recent Episodes

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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 ...

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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 ...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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 ...

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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...

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June 25, 2025

How High can US Debt go before it Triggers a Financial Crisis?

Excessive government debt has contributed to inflation and is pushing interest rates higher. The government continues to add to the debt by spending more than it receives. The US government receives about $5T in revenues annu...

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Your Personal Bank

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