This Time Is Different

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**This Time Is Different**

Long-form conversations that challenge consensus thinking about markets, money, and the economy. We question the narratives everyone else accepts and welcome contrarian ideas.

Hosted by Malcolm Ethridge and Ricky Mulvey

Latest Episodes:

How to Invest with a Casino in Your Pocket Nov 11, 2025

Show notes

Why is Sam Altman getting heated about a simple valuation question?

In the first half of the show, Malcolm Ethridge and Ricky Mulvey discuss

- OpenAI CEO Sam Altman’s surprising response to a question about his company’s $1.4 trillion commitments.

- A Big Short against Palantir.

- Where they’re seeing opportunities in Ethereum and Chipotle.

Then, they explore the rise of sports betting and how taking a game-like approach can change the way you invest.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Mark Lamorgese

Learn more about your ad choices. Visit megaphone.fm/adchoices

This Time Is Different Trailer Nov 08, 2025

Show notes

Long-form conversations that challenge the consensus thinking around markets, the economy, and your money.

Hosted by Malcolm Ethridge and Ricky Mulvey

Learn more about your ad choices. Visit megaphone.fm/adchoices

A Wave of Big Tech Layoffs Nov 04, 2025

Show notes

The economy is in a weird place. Nvidia added more than $600 billion in market cap in five trading days. Amazon cut 14,000 workers. AI is the reason for both.

Malcolm Ethridge and Ricky Mulvey discuss:

- Why Nvidia’s market cap continues to skyrocket.

- OpenAI’s proposed initial public offering, and why “$60 billion won’t cut it”.

- Some takeaways from big tech earnings.

In the second half of the show, Malcolm and Ricky discuss the wave of white collar layoffs. They talk about the economic implications and the personal finance piece if you are anticipating you may get laid off, or you’ve recently experienced one.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Mark Lamorgese

Learn more about your ad choices. Visit megaphone.fm/adchoices

Leave Stocks? And Go Where? Oct 28, 2025

Show notes

Retirement savings are wide open for private equity, and more investors are looking to gold.

Malcolm Ethridge and Ricky Mulvey discuss:

- The FBI breaking up a gambling ring involving NBA players and the mafia.

- OpenAI releasing the Atlas web browser.

- Why more private funds are opening to regular investors.

- What’s behind the massive run-up in the price of gold.

Then, Tim White, the Principal at Cyface Design, which offers Fractional CTO consulting in digital publishing and content management, joins Ricky to discuss why Amazon Web Services went down and the ripple effects to watch.

Editor’s note: Ricky accidentally recorded into the wrong microphone for his conversation with Tim. Please forgive him!

Hosts: Ricky Mulvey and Malcolm Ethridge

Guest: Tim White

Engineer: Mark Lamorgese

Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing Through Dark Clouds Oct 22, 2025

Show notes

When should you run toward a dumpster fire? When should you stay away?

Ricky Mulvey and Malcolm Ethridge discuss:

- What some investors misunderstand about Oracle's business.

- If Robinhood has a branding problem.

- Investing in companies with visible problems.

Articles discussed:

Oracle's margin questions: https://www.theinformation.com/articles/internal-oracle-data-show-financial-challenge-renting-nvidia-chips

Robinhood profile: https://www.bloomberg.com/news/features/2025-10-17/robinhood-s-next-bet-gen-z-401-k-s-and-trump?embedded-checkout=true

Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Mark Lamorgese

Learn more about your ad choices. Visit megaphone.fm/adchoices

Yes, AI Is in a Bubble Oct 15, 2025

Show notes

But that doesn’t mean the bubble will pop soon.

Ricky Mulvey and Malcolm Ethridge kick off their new show, “This Time Is Different”. They discuss:

- What the Shiller PE ratio reveals about the stock market.

- Circular dealmaking among AI companies.

- Why Ricky is putting more of his long-term savings in cash and bonds.

- Peter Lynch’s investing lessons for 2025.

Hosts: Malcolm Ethridge and Ricky Mulvey

Engineer: Mark Lamorgese

References:

Bloomberg article on the AI bubble: https://www.bloomberg.com/news/articles/2025-10-09/why-experts-are-warning-the-ai-boom-could-be-a-bubble

Peter Lynch on The Compound and Friends: https://www.youtube.com/watch?v=YIlurDigZcY

Learn more about your ad choices. Visit megaphone.fm/adchoices

Tech Money Podcast: Improving Your Relationship with Money with Hanna Horvath Jun 26, 2024

Show notes

In this episode of Tech Money Live, Malcolm chats with special guest, Hanna Horvath, of Bankrate and "Your Brain on Money," to discuss her work as a personal finance writer, and her passion for helping people understand the ways in which their background, social conditioning, and personalities all influence the way they think and handle and talk about money.

Join the Tech Money Community on Microsoft Teams

Resources:

@Hanna_Horvath

LinkedIn: Hanna Horvath

Your Brain on Money

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Learn more about your ad choices. Visit megaphone.fm/adchoices

Tech Money Podcast: Beyond Bitcoin: Is there More to Crypto? May 22, 2024

Show notes

In this episode of Tech Money Live, Malcolm chats with special guest, Ryan Rasmussen, of Bitwise Asset Management to discuss cryptocurrency as an entire asset class beyond Bitcoin. The pair delve into into broader landscape of cryptocurrencies, including the emerging technologies and diverse applications that are shaping the future of finance. While Bitcoin captures headlines as the pioneering digital currency, the crypto industry is vast and varied, encompassing far more than just its flagship asset.

Join the Tech Money Community on Microsoft Teams

Resources:

Ryan Rasmussen

Bitwise Asset Management

Bitwise 10 Crypto Index Fund - BITW

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants: www.capgllc.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

Tech Money Podcast: How to Build an Investment Portfolio from Scratch May 08, 2024

Show notes

In this episode of Tech Money Live, Malcolm lays out a playbook for how to construct an investment portfolio from scratch. Inspired by a recent blog post and feedback received from the Tech Money community, Malcolm walks through his own approach to investing, and also shares plenty of helpful resources for investors at all phases on the journey.

Join the Tech Money Community on Microsoft Teams

Resources:

One Up on Wall Street

Stock Market Analysis and Tools for Investors

Here's How to Build an Investment Portfolio from Scratch

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants: www.capgllc.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

Tech Money Podcast: The State of the Tech Worker with Alex Kantrowitz Mar 11, 2024

Show notes

In this episode, Malcolm Ethridge sits down with Alex Kantrowitz, Founder/CEO of Big Technology to discuss many different topics affecting tech workers, such as whether mass layoffs in tech are finally done, the likelihood that AI actually replaces knowledge workers, as well as Alex’s own journey from working in tech to reporting on it.

Join the Tech Money Community on Microsoft Teams

Resources:

Service Now's People Pact

AI Is Starting to Threaten White-Collar Jobs. Few Industries Are Immune.

Employers Train Employees to Close the AI Skills Gap

Connect with Alex:

Big Technology Podcast

Big Technology Newsletter

LinkedIn: Alex Kantrowitz

@Kantrowitz

Connect with Malcolm:

LinkedIn: Malcolm Ethridge