Payne Points of Wealth

Hosted by Ryan Payne

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242

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Jun 2026

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About the show

Welcome to the Payne Points of Wealth: The podcast that addresses all the pain points that come with creating your wealth, growing your wealth, and sustaining your wealth. Hosted by the Family Wealth Experts of Payne Capital Management, Bob, Ryan & Chris Payne. On a weekly basis, they deliver timely strategies and solutions for the pain points that come with building, preserving and managing your wealth.

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June 12, 2026Episode 24334 min

The Next Big Investment Opportunity

There’s a massive story unfolding right now that almost nobody is talking about, and it has nothing to do with AI stocks, semiconductors, or the Magnificent 7. It’s about the raw materials underneath everything. In our latest episode of Payne Points of Wealth, I sat down with Gary Evans, CEO of United States Antimony Corporation (NYSE: UAMY) and what he laid out feels like a throwback to the early days of the shale revolution… but this time, it’s critical minerals. And the numbers are almost hard to believe. Gary walks through how his company acquired a tungsten asset for roughly $5 million… that today could be worth over $9 billion based on current resource estimates and pricing. That’s not a typo. What makes the story even more compelling isn’t just the valuation, it’s the timeline. This isn’t a “maybe in 10 years” type of project. He believes it could be generating cash flow within the next 12–18 months. At a time when investors are focused almost exclusively on AI, this is a reminder that there’s an entire layer of the global economy that actually enables that growth. Because without critical minerals like antimony and tungsten… AI infrastructure doesn’t get built. The Bigger Story: A Supply Chain Reset Right now, China dominates roughly 90% of the world’s refining capacity for critical minerals. That’s not just an economic issue; it’s a national security issue. And the U.S. government knows it. Gary’s company recently secured a $240 million government contract and is rapidly expanding its domestic refining capabilities in Montana. The goal? Rebuild supply chains that have been hollowed out for decades. What’s striking is the speed. The U.S. mining industry has been dormant for 20–30 years, and yet companies like Gary’s are trying to compress what historically took decades into just a couple of years. By 2027–2028, he believes his company alone could supply up to 50% of the U.S. antimony market. If that happens, it will represent a dramatic shift away from foreign dependence and a massive tailwind for the companies positioned correctly. Not Just a Mining Story One of the most interesting parts of our conversation was how technology is starting to reshape even the most “old economy” industries. Gary is now using AI to analyze decades worth of geological data—compressing what used to take years of exploration into a matter of weeks. Think about that for a second. AI isn’t just driving the companies at the top of the market, it’s unlocking value in industries most investors have completely ignored. And in Gary’s words, it’s turning assets that are effectively worth zero on the balance sheet into something potentially worth millions. What This Means for Investors We spend a lot of time talking about diversification, and moments like this are a great reminder of what that really means. It’s not just owning more stocks. It’s understanding where the next wave of opportunity might come from and more importantly, where the market isn’t looking right now. Because while everyone is focused on the software layer of the economy… There is an entire hard asset, supply chain, and industrial renaissance happening underneath the surface. And it’s moving fast. If you want to better understand one of the most overlooked opportunities in today’s market—and how it connects to everything from national security to AI infrastructure, I highly recommend listening to this conversation.

June 5, 2026Episode 24249 min

Will NYC Real Estate Crash??? The Truth about High Rates & the Mamdani Tax …

What does it really take to rise from humble beginnings to representing some of the wealthiest buyers and sellers in the world? In Episode 242 of Payne Points of Wealth, Ryan and Chris sit down with Noble Black, one of the nation’s top real estate professionals as recognized by The Wall Street Journal, to unpack his journey from small-town Mississippi to dominating New York City’s ultra-luxury real estate market. Noble shares: How his upbringing shaped his perspective on money, success, and happiness The bold career pivot from corporate law to high-stakes real estate What truly separates top performers in a brutally competitive industry The psychology of working with ultra-high-net-worth clients Why listening—not selling—is the ultimate competitive advantage The truth about NYC real estate vs. the media narrative The hidden forces driving prices higher (despite rising rates) How politics, taxes, and supply shortages could shape the future of the market Plus, Noble pulls back the curtain on: The surprising habits of billionaires What luxury buyers actually value (hint: not always what you think) Why reality TV has distorted the real estate profession This is a masterclass in sales, strategy, and understanding human behavior at the highest levels.

May 30, 2026Episode 24155 min

She Was Inside the White House on 9/11—And Chose to Stay

In Episode 241 of Payne Points of Wealth, Ryan, Chris, and Bob Payne sit down with Ashley Davis, partner at S‑3 Group and former White House insider, to unpack a remarkable career at the highest levels of government. Ashley shares how she went from a young staffer to employee #1 of the White House Office of Homeland Security in the wake of 9/11, offering a firsthand account of that pivotal day, the chaos that followed, and the creation of one of the most important agencies in modern U.S. history. From the inner workings of the West Wing to today’s political climate, Ashley delivers candid insights on leadership, policy, polarization, and what it really takes to navigate Washington. This is a powerful conversation about resilience, decision-making under pressure, and the lessons that still apply far beyond politics.

May 21, 2026Episode 24050 min

From Valedictorian to FOX News — Todd Piro on Money, Mindset & Making It | Ep #240

What do discipline, delayed gratification, and a few well-worn undershirts have to do with success? This week on Payne Points of Wealth, Ryan and Chris Payne sit down with Todd Piro, co-host of FOX & Friends First, for a real conversation about his journey growing up in New Jersey to national television. Todd shares how his upbringing shaped his mindset around money and life, growing up in a household that valued function over flash. His parents instilled a simple but powerful philosophy: buy things for a purpose, not for appearances. It’s a mindset Todd still lives by today (yes, right down to hanging onto the same undershirts for years). But Todd’s perspective goes beyond money. He reflects on one of his core beliefs: treating everyone equally, regardless of title or position. Whether it’s someone behind the scenes or at the top of the organization, Todd credits this approach as a guiding principle in both his career and personal life. The conversation traces Todd’s impressive path: High school valedictorian Dartmouth College Law school A leap into uncertainty as a local TV reporter in California And ultimately, landing on one of the biggest stages in media as a FOX News anchor Along the way, Ryan, Chris, and Todd dive into: How early financial habits shape long-term success The difference between looking wealthy vs. building wealth The advantages of discipline and consistency Having the courage to take risks and bet on your future This episode is packed with insights on resilience, humility, and staying grounded, even when your career takes off! If you’ve ever wondered what it really takes to go from ordinary beginnings to extraordinary success, without losing your values, this is a conversation you won’t want to miss.

May 15, 2026Episode 23944 min

The Most Important Market You’re Not Watching (And Why China Has the Upper Hand) | Ep#239

What if the next global power struggle isn’t about oil—but about the elements inside your smartphone, electric vehicle, and AI infrastructure? In this episode, we sit down with Barbara Humpton, CEO of USA Rare Earth, former CEO of Siemens USA, to break down one of the most overlooked—and critical—battles shaping the global economy. We dive into: Why rare earth elements are the backbone of AI, clean energy, and defense How China came to dominate the supply chain—and why the U.S. is scrambling to catch up The massive push to rebuild domestic production, including a $1.6B U.S. government investment What “super magnets” are—and why they power everything from EVs to jet engines How USA Rare Earth plans to go from startup to strategic powerhouse by 2028 Why this is one of the most bipartisan—and urgent—issues in Washington today Barbara also shares her personal journey from leading global industrial giants to tackling what she calls “the business issue of our moment.” Bottom line: This isn’t just a mining story, it’s a national security story, an AI story, and a once-in-a-generation investment theme.

May 5, 2026Episode 23843 min

Inside Fidelity — The Johnson Dynasty and the Company That Changed American Investing | Ep#238

In this episode of Payne Points of Wealth, we sit down with veteran journalist Justin Baer, Deputy Markets Editor for The Wall Street Journal and author of the new book House of Fidelity: The Rise of the Johnson Dynasty and the Company That Changed American Investing. Justin takes us deep inside the remarkable, largely private story of Fidelity Investments — from its origins in 1940s Boston to becoming a financial giant serving nearly one in five American adults. We explore the Johnson family’s three‑generation leadership, the cultural tension between active stock pickers and passive investing, and how Fidelity quietly reinvented itself through retirement plans, brokerage platforms, and advisor custody while the rest of Wall Street was focused elsewhere. We discuss: Why Fidelity missed (and later adapted to) the indexing and ETF revolutions How the 401(k), brokerage, and custody businesses became Fidelity’s true growth engines The contrasting leadership styles of Ted Johnson, Ned Johnson, and Abigail Johnson Cultural clashes, succession battles, and pivotal moments inside a private financial empire What Fidelity’s story reveals about family businesses, long‑term thinking, and organic growth This conversation is part financial history, part business strategy, and part leadership study, essential listening for investors, advisors, and anyone interested in how American investing really evolved. Plus: Justin shares the album that changed his worldview — and why Talking Heads still matter.

April 15, 2026Episode 23718 min

Strait of Hormuz, Geopolitical Tensions, Markets Keep Rising… What’s Going On?!

Oil headlines are everywhere, geopolitical tensions are rising, and yet markets keep grinding higher. So, what’s really going on? In this episode of Payne Points of Wealth, Ryan, Bob, and Chris unpack why oil prices are falling even as global conflict dominates the news and what markets are signaling beneath the surface. From the resilience of the bull market to why earnings growth and productivity matter more than headlines, the team explains why short‑term volatility doesn’t change long‑term opportunity. They also discuss the real risk investors face today: sitting in cash and missing a potential melt‑up. The episode wraps with an old‑school Payne Capital Financial Autopsy, breaking down a real retirement case involving a $7 million portfolio that was taking far more risk than necessary. The conversation highlights common mistakes pre‑retirees make—overconcentration in growth stocks, chasing past winners, and misunderstanding income needs—and how a properly structured portfolio can generate reliable income while reducing downside risk. Key topics covered: Why markets often look through geopolitical crises What falling oil futures are telling investors The danger of staying defensive in a strong bull market Cash vs. inflation: the real long‑term risk How to reposition a retirement portfolio for income and stability Why diversification and maturity‑dated bonds matter in retirement Bottom line: You don’t need to take outsized risk to win—but you do need to stay invested. As always, scared money never wins.

April 4, 2026Episode 23616 min

War, Oil at $110, and Why the Market Is Rotating Under Your Feet.

Markets are on edge. Oil has surged past $110 a barrel, geopolitical tensions are escalating, and investors are asking the same question: Is this the start of something bigger—and should I change my portfolio? In this episode of Payne Points of Wealth, Bob, Ryan, and Chris Payne break down what’s actually happening beneath the headlines. While the media focuses on fear and conflict, the market is quietly sending a very different message. You’ll hear why: The so‑called “Magnificent Seven” may have become the Lag‑7 Capital is rotating—not fleeing—into energy, industrials, materials, and dividend‑paying stocks AI may be benefiting everyone except the AI stocks themselves Economic data remains surprisingly resilient despite war and higher oil prices Yield, diversification, and income matter more than chasing the next hot trade Market timing, overconcentration, and media-driven investing can quietly sabotage long‑term plans The conversation also tackles real client concerns—volatility, recession fears, portfolio drawdowns—and explains why perspective, planning, and staying invested matter far more than reacting to headlines. If you’re wondering how to navigate uncertainty, protect your wealth, and avoid confusing a bull market with brilliance, this episode is a must-listen.

March 19, 2026Episode 23517 min

High Yields. Locked‑Up Money. Big Regrets. Wall Street's Latest Illusion. | Ep#235

The last two weeks on Wall Street have been anything but quiet. Oil prices have swung wildly, headlines are dominated by conflict in the Middle East, and cracks are starting to show in parts of the private credit market that were once sold as “safe” alternatives. In this episode, Ryan, Bob, and Chris break down why—despite geopolitical turmoil—stocks haven’t sold off the way many expected. They dig into what falling oil prices are really telling us, why markets often look past fear-filled headlines, and how earnings, productivity, and profit margins continue to paint a surprisingly bullish picture. The conversation then turns to a growing issue investors can’t ignore, private credit funds. With some funds gating withdrawals and others quietly repricing assets, the team explains why high yields often come with hidden risks, why illiquidity is especially dangerous for retail investors, and how Wall Street has a long history of re-packaging the same risky ideas under new labels. They also revisit a core principle of long‑term investing—simple, low‑cost hedges often work better than complex, expensive “exclusive” products—and why protecting capital matters more than chasing whatever looks best in the moment. If you’re wondering how to stay disciplined during volatility, what really matters when markets get noisy, and why boring portfolios often outperform flashy ones, this episode is for you.

March 6, 2026Episode 23420 min

Markets, Missiles, and Misconceptions | Ep#234

The World Feels Like It’s on Fire… So Why Is the Market Only Down 1%? In this episode of the Payne Points of Wealth, Bob, Ryan and Chris have a wide-ranging, fast‑paced conversation on what really matters when markets get rattled. With geopolitical tensions flaring in Iran, markets briefly sold off—everything except the U.S. dollar and oil. Yet despite the ominous headlines, the S&P 500 only dipped about 1%. So what’s the market actually telling us? Are we on the brink of a larger conflict, or is this another reminder that fear often speaks louder than fundamentals? The team digs into why trying to time the market by running to cash feels smart—but usually backfires in practice. They unpack why markets tend to “settle up, not settle down,” and why investors often regret being out of the market far more than being temporarily uncomfortable in it. Bob brings historical perspective, explaining why markets often bottom on bad news, not good news, and why some of the best long-term buying opportunities are born during periods of maximum uncertainty. The conversation also highlights the dangers of overconfidence, overconcentration, and mistaking headlines for signals. Bob, Ryan & Chris also address oil prices, inflation, and global growth—exploring how higher energy prices could be a headwind or a surprising long-term tailwind, depending on how global supply and geopolitics evolve. The group also explains what bond markets and earnings data are quietly signaling beneath the noise. Finally, Bob, Ryan and Chris tackle one of the biggest modern worries: artificial intelligence. Is AI going to replace jobs, crush the labor market, and make human advisors obsolete? Or is it simply the latest productivity tool in a long line of innovations that ultimately fuel growth? (Spoiler: human behavior still matters—a lot.) As always, the discussion blends market insight, real-world investing wisdom, and plenty of humor—proving once again that successful investing isn’t about predicting the next crisis, but preparing for whatever comes next. Key takeaways: Why short-term market drops don’t equal long-term danger The real cost of going to cash during uncertainty How diversification actually works when you need it most What earnings, bonds, and oil prices are signaling right now Why AI may boost productivity—but won’t fix investor psychology If you’re feeling uneasy about the headlines, this episode is a timely reminder to stay rational, stay diversified, and stay invested!