THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

Ric Edelman
THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

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

  1. 12/20/24: Euthanasia: The Dominant Social Debate of this Century 

    1 DAY AGO

    12/20/24: Euthanasia: The Dominant Social Debate of this Century 

    The pros and cons of SBA loans for small businesses, as entrepreneurs should first assess if borrowing is the right decision for their business's long-term success. Plus a controversial vote in West Virginia about medically-assisted suicide is one example of the global debate on the complexities and growing relevance of euthanasia. #SBALoans #SmallBusinessGrowth #Entrepreneurship #FinancialAdvice #MedicallyAssistedSuicide #WestVirginiaVote #SocialDebate #EuthanasiaDebate #BusinessSuccess #CapitalRaising #RicEdelman #StartupLoans #BusinessFunding #LoanRisks #DebtManagement #YoungEntrepreneurs #InvestorCapital #HomeEquityLoan #BusinessConsulting #ExponentialTechnologies #BusinessMentoring ----- Stay Connected on Ric's Distribution List https://bit.ly/ric_edelman Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered 12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    15 min
  2. 12/19/24: Gold!

    2 DAYS AGO

    12/19/24: Gold!

    Gold plays a key role in portfolio diversification, however, buying physical gold involves significant challenges such as storage, security, and commissions, which has led many investors to opt for gold-backed ETFs like GLD, offering convenience, liquidity, and lower costs. Plus, the decision of whether to hold investments like Bitcoin in a taxable account or an IRA depends on tax and risk factors making the choice more complex. #Gold #Investing #GoldETF #GoldMarket #GLD #PortfolioDiversification #InflationHedge #InvestmentStrategy #GoldCoins #PhysicalGold #InvestmentAdvice #GoldMining #Bitcoin #IRA #CryptoInvesting #TaxableAccount #RothIRA #CryptoTaxStrategy #InvestmentStrategy #CapitalGainsTax #TaxDeferral #InvestmentAdvice #FinancialPlanning #RetirementPlanning ----- Stay Connected on Ric's Distribution List https://bit.ly/ric_edelman Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   SPDR Gold Shares ETF from State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/spdr-gold-shares-gld State Street Global Advisors: https://www.ssga.com/ 1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered 12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    19 min
  3. 12/18/24: “What Do You Do?” is Becoming an Inappropriate Question

    3 DAYS AGO

    12/18/24: “What Do You Do?” is Becoming an Inappropriate Question

    The question "What do you do?" has long been a standard icebreaker, but for many, especially those facing retirement, career changes, or gig work, it’s a challenging question that doesn’t fully capture who they are. Instead of focusing on a job, the key is to reframe the answer to give new perspective on identity and spark more meaningful conversations. #ReframeYourIdentity #CareerChanges #PersonalFulfillment #HobbiesAndPassions #WhatDoYouDo #RetirementLife #JoblessLife #CareerTransition #ReinventYourself #SocialConnection #MeaningfulConversations #LifeBeyondWork #webinars #personalfinance #investmentmanagement #cryptoeducation #financialliteracy #investmentstrategy #financialplanning ----- Stay Connected on Ric's Distribution List https://bit.ly/ric_edelman Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered 12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    7 min
  4. 12/17/24: How to Diversify Your Crypto Investment

    4 DAYS AGO

    12/17/24: How to Diversify Your Crypto Investment

    There are a variety of area offering away to diversify in the crypto asset class which includes not only bitcoin but also other cryptocurrencies, crypto companies, crypto funds, and ETFs. And while cancer deaths are declining, the number of cancer cases, particularly among adults under 50, is rising, especially for breast and colorectal cancer. Behavior changes, including unhealthy consumption habits, can prevent up to 40% of cancer cases, with a positive attitude also contributing to improved health and longevity. #CryptoInvesting, #Bitcoin, #Diversification, #CryptoPortfolio, #Blockchain, #CryptoAssets, #ETFInvesting, #CryptoFunds, #RicEdelman, #DigitalAssets #CancerPrevention, #HealthyLiving, #AlcoholAndCancer, #BreastCancer, #ColorectalCancer, #PositiveMentalAttitude, #Longevity, #HealthyHabits, #Rapamycin, #CancerAwareness ----- Stay Connected on Ric's Distribution List https://bit.ly/ric_edelman Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered 12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    12 min
  5. 12/16/24: Good-bye Toothbrush...Hello Microbot

    5 DAYS AGO

    12/16/24: Good-bye Toothbrush...Hello Microbot

    Researchers are pioneering advancements in dental care, including micro-robots that clean teeth, bacteria-based oral transplants, and natural enamel regrowth. These innovations aim to revolutionize oral hygiene, making dental care more efficient, accessible, and effective for everyone. Plus, how to keep in touch with Ric in 2025. #MicroRobots #DentalTech #OralCare #Nanobots #Innovation #OralHygiene #Microbots #ToothImplants #HealthTech #UniversityOfPennsylvania #ExponentialTechnologies #webinars #personalfinance #investmentmanagement #cryptoeducation #financialliteracy #investmentstrategy #financialplanning #alzheimersresearch #EdelmanFossilPark #2025goals ----- Stay Connected on Ric's Distribution List https://bit.ly/ric_edelman Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered 12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    8 min
  6. 12/13/24: Is it Time to Rethink Bonds? These Two ETFs Offer an Answer

    DEC 13

    12/13/24: Is it Time to Rethink Bonds? These Two ETFs Offer an Answer

    As interest rates are heading lower, two ETFs from Invesco are designed to provide strong returns with managed risk exposure. Plus, a conversation with David Cowen, President of the Museum of American Finance, offering insights into preserving U.S. financial history while promoting financial literacy. #ETFs #Invesco #BondMarket #FinancialOpportunities #Investing #IncomeGeneration #GTOETF #EFAAETF #InternationalDiversification #FridayThe13th #MuseumOfAmericanFinance #FinancialLiteracy #HistoricalFinance #AmericanHistory #FinancialEducation #HamiltonianEconomics #PublicFinance #PersonalFinance #AmericanRevolution #EconomicHistory ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   Invesco Total Return Bond ETF (GTO) https://www.invesco.com/us/financial-products/etfs/product-detail?audienceType=Investor&ticker=GTO Invesco MSCI EAFE Income Advantage ETF (EFAA)  https://www.invesco.com/us/financial-products/etfs/product-detail?audienceType=Advisor&ticker=EFAA Invesco Website:  https://www.invesco.com The Museum of American Finance Website: https://www.moaf.org/ The Museum of American Finance Historic Image Gallery: https://www.flickr.com/photos/financemuseum/sets/72157624172313095/ The U.S. Debt Clock Website: https://www.usdebtclock.org/ David Cowen's Book: Alexander Hamilton on Finance, Credit, and Debt 1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered 12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    28 min
  7. 12/12/24: Is Ozempic an Unmentionable?

    DEC 12

    12/12/24: Is Ozempic an Unmentionable?

    With the rise of GLP-1 class drugs like Ozempic and Wegovy, is it socially appropriate to comment on someone's noticeable weight loss? Especially when it's attributed to these drugs, and how new medical technologies might influence social norms and personal boundaries. Plus, when considering investing in crypto, the importance of seeking professionals who understand blockchain and digital assets. He recommends searching for advisors with the CBDA certification and offers resources for verifying legitimate advisors, while cautioning against online fraud in the crypto space. #GLP1 #Ozempic #WeightLoss #MedicalInnovation #SocialNorms #PharmaceuticalBreakthrough #WeightLossDrugs #HealthTransformation #HealthEthics #PersonalChoices #CryptoETFs #InvestmentAdvisor #BlockchainEducation #DigitalAssets #CryptoKnowledge #CBDA #FinancialAdvisors #CryptoInvesting #DueDiligence #InvestmentSafety ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   Send your comments to Ric:  askric@thetruthayf.com FINRA.org. https://www.finra.org/ SEC.gov https://www.sec.gov/ 11/25 Podcast on new medical advances: https://www.thetayf.com/blogs/this-weeks-stories/bad-news-and-good-news-for-fat-americans 12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025  https://www.thetayf.com/pages/convergence-2025 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    20 min
  8. 12/11/24: The Car Loan Trap

    DEC 11

    12/11/24: The Car Loan Trap

    Many car buyers are "underwater" on their auto loans, owing more than their vehicle is worth, which can lead to financial problems when trading in or totaling the car. The trend of longer loan terms and high car prices, especially with electric vehicles like Teslas, is exacerbating the problem, making it crucial to consider long-term affordability when buying a new car or consider a used car. #CarLoans #AutoLoanProblems #UnderwaterLoans #NegativeEquity #CarValue #CarBuyingTips #ElectricVehicles #Tesla #FinancialStruggles #UsedCars #personalfinance #investmentmanagement #cryptoeducation #financialliteracy #investmentstrategy #financialplanning ----- Join our mailing list: https://www.thetayf.com/pages/podcast Subscribe to podcast updates: https://form.jotform.com/223614751580152  Ask Ric: https://www.thetayf.com/pages/ask-ric  -----   Links from today’s show:   12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning 12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto 2/24-2/26 Wealth Management Convergence-2025  https://www.thetayf.com/pages/convergence-2025 11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income 10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/ -----   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 -----   Brought to you by:   Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.html State Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstones Schwab: https://www.schwab.com/ TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

    9 min

Hosts & Guests

3.2
out of 5
374 Ratings

About

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

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