(10/19/22) We are well into another "Millennial Earnings Season," where companies are rewarded for lowering estimates in order to beat earnings estimates; everyone gets a participation trophy! A real tell will be Consumer Retail Sales results as an end-of-year measure of consumer strength. Look for market sloppiness for the next week; the none-stages of a Bear Market. Clients re sometimes useful as contrarian indicators. Markets in 2022 have had more negative days than in any other year since 1974; the advantage of adjusting market perspective from year-over-year to two-years ago, or three-years ago. There's no advantage to having a separate Financial Advisor from your Investment Advisor; defining diversification; McDonald's Adult Happy Meals; how much should you pay yourself in retirement? SEG-1: Millennial Earnings Season & Consumer Retail Strength SEG-2: Market Sloppiness , 9-stages of Bear Markets SEG-3: The Benefits of a Broader Market Perspective SEG-4: Defining Diversification; How Much Should You Pay Yourself in Retirement? Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Our Latest "Three Minutes on Markets & Money: "Can Markets Hit 4100?" is here: https://www.youtube.com/watch?v=Fhk9Jr16kS4&list=PLVT8LcWPeAujOhIFDH3jRhuLDpscQaq16&index=1 -------- Our previous show is here: "The Chase is On" https://www.youtube.com/watch?v=cuHtoVIPvUs&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=7s -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to RIA Pro: https://riapro.net/home -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #NineStagesofBearMarkets #EarningsSeason #ConsumerRetailStrength #Markets #Money #Investing