The Higher Standard

Chris Naghibi & Saied Omar
The Higher Standard

Welcome to the Higher Standard Podcast, where we give you ultra-premium, unfiltered truth when it comes to building your wealth and curating the lifestyle of your dreams. Your hosts; Chris Naghibi and Saied Omar here to help you distill the immense amount of information and disinformation out there on the interwebs and give you the opportunity to choose a higher standard for yourself. Sit back, relax your mind and get ready for a different kind of podcast where we elevate your baseline with crispy high-resolution audio. This isn't a different standard. It's the higher standard.

  1. What Happens When a Whole Generation Never Grows Up

    6 DAYS AGO

    What Happens When a Whole Generation Never Grows Up

    🎧 What happens when a whole generation hits pause on adulthood? Chris and Saied are here to unpack the Wall Street Journal’s claim that millennials and Gen Z are stuck in “arrested development.” Spoiler: it’s not TikTok’s fault—try student loans, absurd housing costs, and a financial system that makes The Hunger Games look like a utopia. ➡️ From child-free lifestyles to 38-year-old first-time homebuyers, the guys tackle the systemic issues behind these trends with their trademark mix of wit and wisdom. Plus, a little shade for everyone’s favorite buzzwords (“soft maxing,” anyone?) and a hilarious tale of Chris’s recent tech splurge. If adulting feels impossible, don’t worry—you’re not alone. 🏡📉💸 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: What Happens When a Whole Generation Never Grows Up? (Wall Street Journal) Current loan-to-value data in housing is 46.6% (Logan Mohtashami via X) The value of a home in America since 1924 (Nick Gerli via X) ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 20m
  2. Your 2024 Economic Year in Review

    12/31/2024

    Your 2024 Economic Year in Review

    Happy New Year! In this special year-end episode, Chris and Saied dive deep into the wild ride that was 2024, recapping the economy quarter by quarter with their signature mix of insight and banter. From the "pensive" start of the year where the Fed played cat-and-mouse with rate cuts to the real estate market's affordability crisis and the Magnificent Seven’s domination of Wall Street, this episode is packed with more twists and turns than a rollercoaster at an abandoned theme park. Whether it's debating AI's transformative potential, lamenting high mortgage rates, or pointing out the "Jersey Shore" dynamics of the Federal Reserve, Chris and Saied break it all down with wit, wisdom, and the occasional mocktail reference. ➡️ As they toast to a new year (mocktail in hand), the duo doesn't shy away from discussing the highs and lows of 2024, from soaring office vacancies to spiraling service costs. And as tradition dictates, they leave you with a little financial humor to ring in 2025: "Remember, folks, economic resolutions are like gym memberships—great in theory, but it’s the follow-through that counts! Stay sharp, stay savvy, and don’t let inflation shrink your New Year’s champagne budget." Here's to another year of keeping it real, financial nerds. Cheers! 🥂💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: No links this week kids! The Higher Standard loves you. ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 13m
  3. The Fed's Latest Move: Why Markets Are About to Get Wild

    12/24/2024

    The Fed's Latest Move: Why Markets Are About to Get Wild

    In this episode, Chris and Saied break down the Federal Reserve’s latest rate cut, and let’s just say, it’s got everyone—from Wall Street to your wallet—feeling some kind of way. With a 25 basis point cut to the Fed Funds rate, inflation still refusing to play nice, and the bond market throwing a full-on tantrum, it’s clear: the Fed’s decisions are anything but boring. Oh, and don’t miss Chris’s hot take on how housing affordability has officially hit “you-can’t-make-this-up” levels of absurdity. Spoiler alert: the 10-year Treasury and your dreams of a lower mortgage rate aren’t on speaking terms. ➡️ From the VIX spiking a jaw-dropping 74% to why shrinkflation has you paying more for less Doritos, the duo dives into why markets have gone wild. Is the Fed’s “data dependency” just another way of saying “we’re winging it”? And what does this all mean for you, dear listener? Whether you’re a seasoned investor or someone just trying to figure out why eggs are still so damn expensive, Chris and Saied deliver insights with their signature blend of smarts and sass. Tune in for all the juicy details, and remember, it’s not the size of the rate cut—it’s how you use it! 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: Fed cuts rates by quarter point, scales back cuts for 2025 (Yahoo! Finance) Summary of Economic Projections (Q4 2024) (The Federal Reserve) The $VIX spiked 74% higher today (Charlie Bilello via X) Where inflation is and isn't (Q4 2024) (Yahoo! Finance via Instagram) Jerome Powell doesn't see the stag or the flation (The Kobeissi Letter via X) ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 17m
  4. Why Your First $100,000 Is The Hardest: Lessons From Financial Fails

    12/17/2024

    Why Your First $100,000 Is The Hardest: Lessons From Financial Fails

    You know what they say – the first $100,000 is the hardest, and it feels like scaling Mount Everest in flip-flops. In this episode of *The Higher Standard*, Chris and Saied unpack why breaking that six-figure milestone is such a struggle and how even Charlie Munger (RIP) called it a "b*tch." But once you hit that $100K, things start compounding faster than your excuses for skipping leg day. It’s like flipping a switch to rocket toward $1 million – or so we tell ourselves between sweet cream nitros and existential dread. ➡️ The boys also explore childhood money habits that might be sabotaging your wallet and dive into the *Case Shiller Index* to understand the warning signs of recessionary bubbles. From historical asset crashes to the 2008 housing crisis, they highlight why economic indicators are more than just fancy graphs. Saied’s expressions are priceless – equal parts shock, dread, and "I need a drink." So buckle up, hit play, and see if you’re on a path to wealth or just another bubble waiting to burst. Smash that like button, ring the bell, and remember: the road to wealth is paved with memes, mindset shifts, and maybe a little less avocado toast. 🥑💸 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: Robert Shiller and His CAPE Ratio (Gary Stone via X) Can the S&P 500’s CAPE Ratio Predict a Market Crash? (Charts) ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 25m
  5. 2025 Housing Market Predictions You Can’t Ignore

    12/10/2024

    2025 Housing Market Predictions You Can’t Ignore

    Buckle up, folks—it's a wild week for the economy, and The Higher Standard crew is here to navigate the chaos so you don’t have to. Chris and Saied tackle the avalanche of data from the ISM, JOLTS, and the much - anticipated Jobs Report. (Haroon is still out on paternity leave.) Will these numbers flex harder than a bodybuilder at the beach, or are cracks starting to show? And don’t worry, Fed Chair Powell made sure to sprinkle some cryptic wisdom into the mix, like a monetary-policy Gandalf reminding us that "You shall not politicize!" ➡️ Meanwhile, the housing market predictions for 2025 are wilder than a Florida hurricane forecast. With Sun Belt cities building apartments like they're going out of style, rents are dropping faster than your self-esteem at an open mic night. And the predictions? They range from Apollo's optimistic “We’re all gonna be rich!” +10.8% to Moody’s pessimistic “Yeah, no” at -0.4%. Which regions will boom, and where will your real estate dreams get a reality check? Tune in to get the laughs, the insights, and maybe a crystal ball for 2025! 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: Fed Chair Powell Defends Fed Independence (Investopedia) Rents in Southern and Sun Belt Cities Are Falling (Business Insider) Realtor.com Predicts Modest Rise in Home Sales and Prices for 2025 (Business Insider) Housing Price Predictions Across Major Markets (Lance Lambert via X) Will Home Prices Crash in 2025? (Market Watch) ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 24m
  6. Is The American Dream Officially Dead Now?

    12/03/2024

    Is The American Dream Officially Dead Now?

    The American Dream is increasingly being questioned as financial challenges mount for many Americans. With 84% of the population believing it's a bad time to buy a home, the podcast dives into the shocking statistics surrounding homeownership costs, credit card debt, and the soaring rejection rates for loans. ➡️ Hosts Saied and Chris share their candid thoughts on the current economic landscape, including the burdens of rising prices and stagnant wages. As they navigate the complexities of the housing market and consumer debt, they highlight the importance of financial literacy in these turbulent times. Join them for a sexy yet insightful conversation that blends laughter with valuable lessons on navigating today’s economy. 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: The U.S. government’s hiring spree: 50,000 workers per month and its implications (Bravos Research via X) Analyzing inflation and its long-term effects on the economy (Vlad the Inflator via X) A deep dive into U.S. housing market inventory trends post-pandemic (The Kobeissi Letter via X) 54% of the nation's largest housing markets surpass pre-pandemic inventory levels (Resi Club Analytics via X) Mortgage purchase applications: A historic downturn across years (Nick Gerli via X) Buying a home in 2024 cost 42% more than renting one (Yahoo! Finance via Instagram) Auto loan delinquencies hit higher rates than the 2009 peak (Skorus Ark via X) ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 30m
  7. You Need To Know This About Your Job

    11/26/2024

    You Need To Know This About Your Job

    🎙️ In this episode of The Higher Standard, Chris and Saied take listeners on a rollercoaster ride through the land of leadership, stress, and... Whole Foods hot bars? 🍳 Yes, it’s that kind of episode. Starting with some playful banter about overpriced turmeric shots and parental leave policies (because Haroon is off becoming a “baby-making legend”), the hosts quickly shift gears to tackle the high-stakes world of corporate leadership. Chris gets real about his week of legal battles, emotional highs, and the unrelenting stress of balancing family life, work pressures, and the occasional existential crisis. All while trying to figure out if he’s genetically predisposed to being weak. (Thanks, 23andMe!) ➡️ The duo dives deep into the art of authenticity, unpacking why being your true self at work and on social media is a game-changer in today’s hyperconnected world. From Chris defending the misunderstood GLP-1 weight loss meds to Saied advocating for tough morning workouts that reset your day, the conversation is as educational as it is entertaining. 🔔 P.S. Happy Thanksgiving! Remember to be grateful for the little things—like when your grocery bill doesn’t require a loan. 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: What Are GLP-1 Medications? Understanding their use in weight loss and diabetes management (WebMD) Cortisol: The Stress Hormone. Learn how cortisol impacts stress and overall health (Mayo Clinic) Authentic Leadership: Exploring its impact on workplace culture and leadership dynamics (Harvard Business Review) Emotional Intelligence in Leadership: The role of EQ in building resilience and managing stress (Psychology Today) The Rise of the Slash Career: Balancing multiple career paths in a fast-evolving economy (Harvard Business Review) ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 22m
  8. Why Government Spending Is Soaring & How Elon Musk Plans to Fix It

    11/19/2024

    Why Government Spending Is Soaring & How Elon Musk Plans to Fix It

    In this episode, hosts Chris, Saied, and Haroon tackle the behemoth that is U.S. government spending. With deficits skyrocketing 287% year-over-year and the national debt now exceeding $33 trillion, the hosts break down how this level of fiscal mismanagement impacts everything from mortgage rates to Social Security. They also delve into Elon Musk and Vivek Ramaswamy's bold new roles in the Department of Government Efficiency, dissecting what their proposed agency cuts mean for the average American. Spoiler: The Department of Education and IRS might be on the chopping block. ➡️ As always, the conversation is packed with sharp humor and insightful analysis. Whether you're intrigued by the $250 billion deficit balloon in just one month, or curious about how Treasury bond issuance influences your car loan, this episode has you covered. By the end, you'll have a deeper understanding of why "balancing the budget" isn't just a catchy slogan—it's a necessity. Plus, a sprinkle of conspiracy theories and Musk's Dogecoin-inspired department name makes this one a must-listen. 💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review? 👕 THS MERCH: http://www.thspod.com 🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers) 🔗 Resources: Deficit spending surges to $250 billion in one month (The Kobeissi Letter via X) What Elon Musk and Vivek Ramaswamy could abolish in the name of government efficiency (Yahoo! Finance) Elon Musk and Vivek Ramaswamy appointed to lead Trump’s “Department of Government Efficiency” (CNN) Federal deficit reaches alarming new heights (Yahoo! Finance via Instagram) How government spending affects you (Yahoo! Finance via Instagram) Americans fall further behind on debts as household debt reaches all-time high (Yahoo! Finance) ⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

    1h 19m
5
out of 5
268 Ratings

About

Welcome to the Higher Standard Podcast, where we give you ultra-premium, unfiltered truth when it comes to building your wealth and curating the lifestyle of your dreams. Your hosts; Chris Naghibi and Saied Omar here to help you distill the immense amount of information and disinformation out there on the interwebs and give you the opportunity to choose a higher standard for yourself. Sit back, relax your mind and get ready for a different kind of podcast where we elevate your baseline with crispy high-resolution audio. This isn't a different standard. It's the higher standard.

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