Payne Points of Wealth

Hosted by Ryan Payne

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Episodes

257

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Oct 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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November 5, 2026Episode 25921 min

Why a Bull Market is About to Erupt (And What to Buy Now)

Could the next leg of the bull market come from the stocks investors have been overlooking? With the midterms behind us, Ryan Payne, Bob Payne, Chris Payne and Courtney Garcia make the case that rising earnings, easing rates and a rally spreading beyond the Magnificent Seven could set the stage for another move higher. On this episode of Payne Points of Wealth, the team digs into why Wall Street may welcome congressional gridlock, what’s driving interest in dividend-paying stocks, small caps and international markets, and whether trillions in money market funds could fuel a stock market melt-up. Courtney offers a different take on that last point. If earnings keep growing, the rally may have room to run even if investors keep their cash parked. Plus, why consumers keep spending despite feeling downbeat about the economy, what the team is watching heading into the holidays, and how to tell if your portfolio is still too dependent on the AI trade.

October 29, 2026Episode 25832 min

Is AI Killing or Saving the Economy? (Jobs, Stock Bubble, & Healthcare)

Will artificial intelligence destroy millions of jobs—or unlock the next wave of economic growth? On this episode of Payne Points of Wealth, entrepreneur and author Vivek Wadhwa joins the team for a spirited debate about AI’s impact on jobs, investing, healthcare, and the future of the U.S. economy. Wadhwa argues that AI is advancing faster than businesses, workers, and regulators can adapt. But could an aging workforce, labor shortages, and new opportunities for entrepreneurs make AI exactly what the economy needs? We explore why a technology can change the world without making today’s leading AI companies tomorrow’s winning investments—and whether a shift toward AI running on personal computers could challenge the massive spending on cloud infrastructure. Plus, Wadhwa shares the personal story behind his work on affordable, AI-powered medical diagnostics and explains why he believes the H-1B visa system needs a fundamental overhaul.

October 22, 2026Episode 25731 min

How Top Entrepreneurs Spot Opportunities Before Everyone Else

How do successful entrepreneurs find opportunities everyone else overlooks? They start by asking better questions—and listening to the people who actually have the problem. On this episode of **Payne Points of Wealth**, Bob, Ryan, and Chris Payne welcome **Dr. Shalabh Gupta**, founder and CEO of **Unicycive Therapeutics**, to explore how an unmet patient need became the foundation for a publicly traded biotech company. Drawing on his experience as a physician, Wall Street analyst, and entrepreneur, Dr. Gupta explains how conversations with hundreds of kidney specialists helped him validate an opportunity and raise roughly $10 million in private capital. We discuss the three essentials for building a business—story, team, and resources—and why a compelling pitch means little if nobody needs your product. Plus, we explore biotech investing, FDA hurdles, cash runway, and how artificial intelligence is changing the way companies prepare to bring treatments to market. Whether you’re building a business or evaluating your next investment, this conversation offers a practical look at recognizing unmet demand—and understanding what it takes to turn an idea into a business.

October 15, 2026Episode 25632 min

Why Voters Feel Broke in a “Strong” Economy

Why does a “strong” economy still feel so expensive? Slower inflation doesn’t erase years of higher prices—and voters are feeling the squeeze. On this week’s Payne Points of Wealth, political commentator and former Wall Street analyst Liz Peek joins Bob, Ryan, and Chris Payne to discuss the disconnect between economic growth and everyday affordability. They debate Trump’s economic messaging, tariffs, and how cost-of-living frustration could shape the 2026 midterm elections. Plus, could relief be coming for oil and diesel prices? And how much further can the AI stock rally run before earnings expectations become impossible to meet? The team explores energy risks, the AI boom, and why investors should think about diversification before market sentiment turns.

October 8, 2026Episode 25523 min

Why Are People Spending Like Crazy if the Economy Is So Bad?

Americans say the economy feels terrible—but they’re still booking vacations, renovating homes, and packing stores. Why is there such a disconnect between consumer confidence and consumer spending? On this episode of Payne Points of Wealth, Ryan Payne, Bob Payne, Chris Payne, and Courtney Garcia explore how rising household wealth, retiring baby boomers, and higher interest income may be helping keep spending strong—even as affordability remains a real challenge for many families. Plus, we discuss why interest rates are rising globally, how AI investment and manufacturing reshoring could support economic growth, and what the 2026 midterms could mean for stocks. Could falling oil prices and political gridlock set the stage for a year-end rally?

October 1, 2026Episode 25435 min

Why High Interest Rates Signal a Booming Economy

Barron’s reporter Jacob Sonenshine joins us for this episode of the Payne Points of Wealth to debate what’s driving Treasury yields higher, why stocks have remained resilient, and whether AI earnings expectations are becoming too optimistic. We explore opportunities in financials and medical devices, the risks behind the AI spending boom, and why owning the S&P 500 may leave your portfolio more concentrated than you realize. We discuss: Why tech stocks can rally even as Treasury yields rise How oil prices, inflation, and economic growth shape the outlook for interest rates The contrarian case for financials and medical device stocks Meta’s AI ambitions, competition, and the challenge of turning spending into profits How equal-weight investing can help reduce exposure to a handful of market giants Can the AI rally keep running? And how can you participate while building a portfolio that doesn’t depend on it?

September 25, 2026Episode 25331 min

The AI Boom Is Changing The Energy Debate

Is AI creating an alternative energy boom? As data centers drive up electricity demand, the U.S. needs more power, a stronger grid, and faster ways to build both. Ryan and Chris Payne sit down with Chris Johnson, president of the American Energy Leadership Institute, to discuss why nuclear, geothermal, solar, batteries, and natural gas could all have a role in the AI buildout. They explore the push for permitting reform, the challenge of expanding transmission, competition with China, and where smaller power companies may find opportunities. The conversation also covers the outlook for oil prices amid the Iran conflict, the Strait of Hormuz, Venezuela’s potential oil supply, and why high diesel prices can ripple through the economy.

September 18, 2026Episode 25223 min

Is Your Portfolio Prepared for a Bear Market?

Markets are falling, the Federal Reserve is raising interest rates, the 10-year Treasury is near 5%, and inflation remains stubborn. Is this another short-term correction—or the beginning of a bear market? In this episode, we explain how investors can prepare without abandoning their long-term strategy. They discuss the strength of corporate earnings, why bear markets can create powerful opportunities, and how higher yields are changing the outlook for bonds and cash. In this episode: • The difference between a correction and a bear market • How rising rates affect stocks and bonds • Why economic growth and earnings remain resilient • The risks of owning bond funds in a volatile market • How a bond ladder can reduce interest-rate risk • Why your best long-term investments may begin during bear markets • Whether AI spending can continue supporting the economy

September 4, 2026Episode 25121 min

The New Investing Rules That Build You Wealth

For more than a decade, investors were rewarded for following a simple playbook: favor U.S. stocks, lean heavily into technology, depend on low interest rates, and buy every dip. But the economic environment that made those strategies so successful has fundamentally changed. Ryan, Bob, and Chris Payne join Courtney Garcia to explain why stronger growth, persistent inflation, higher interest rates, and shifting market leadership require a different investment approach. They discuss why the S&P 500’s extraordinary returns may be difficult to repeat, why now could be the time to rebalance, and where investors may find better value in bonds, international markets, commodities, energy, and real estate. With September beginning in the red, oil above $90, interest rates climbing, and the national debt reaching $40 trillion, is the bull market approaching its end—or is the pullback creating another opportunity? The biggest risk may not be the next market decline. It may be relying on an investing playbook built for a world that no longer exists.

August 27, 2026Episode 25022 min

Higher Inflation is Coming - How to Protect Your Money | Ep. 250

Interest rates are climbing, inflation remains stubborn, and America’s national debt has reached $40 trillion. Should investors be worried—or are rates simply returning to historical norms? In this episode of Payne Points of Wealth, Ryan Payne, Bob Payne, Chris Payne, and Courtney Garcia discuss what rising Treasury yields mean for stocks, bonds, mortgages, and the broader economy. They also examine the inflationary effects of tariffs, AI infrastructure spending, higher oil prices, federal deficits, and a weakening dollar. Plus, discover why market leadership is expanding beyond the Magnificent Seven—and where opportunities may be emerging in commodities, energy, healthcare, industrials, international stocks, emerging markets, and other inflation-sensitive investments.