This Time Is Different

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Latest Episodes:

OpenAI Really Cares About Safety Sep 22, 2026

Show notes

Sam Altman told Fortune that OpenAI is delaying its IPO because of safety concerns. Ricky and Malcolm think the real story is something else.

Ricky Mulvey and Malcolm Ethridge discuss:

Why Sam Altman's "safety" excuse for delaying OpenAI's IPO looks a lot more like a company that isn't ready to speak to Wall Street.
The AI researcher who quit his job over how "dangerous and irresponsible" these companies are, then admitted on national TV that he still owns his shares.
Why the federal government is quietly taking equity stakes in companies like Rigetti Computing.
What a Yahoo Finance analysis of 17 companies that cut deals with the Trump administration says about who actually profits.
Ricky's new car purchase, the used-car market that refuses to depreciate, and tips for speeding up time at a dealership.

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Hosts: Malcolm Ethridge, Ricky MulveyEngineer: Heather Horton

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Apple Finds the Crease Sep 15, 2026

Show notes

Apple dropped a new folding iPhone. Are you ready to pay $2k for one? Ricky and Malcolm are joined by special guest Dylan Lewis, now with The Morning Brew! They discuss:

Malcolm's case that this is Apple's "Jordan Mania" moment even if he's not buying one himself.
Why Apple's stock is up roughly 40% over the past year, why it’s a "safety trade" story as CEO John Ternus takes over.
Robinhood's tokenized-stock push and why AMC's CEO isn't a fan.
Aura's IPO: 74% revenue growth, 5 million paid members, and a killer word-of-mouth acquisition number. Are fitness wearables investable?
Why Dylan is interested in financial planning for new parents, like setting up a 529 plan.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Guest: Dylan Lewis

Engineer: Heather Horton

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Real Money Secrets Aren't on TikTok Sep 08, 2026

Show notes

Tax tricks used by billionaires are now showing up in the algorithm, but the real money secrets aren’t going out on social media. Ricky and Malcolm discuss:

Winmark, a royalty-collecting franchisor (Play It Again Sports, Once Upon a Child) trading at a 52-week low, and why Ricky is interested as a long-term investor.
The 351 exchange strategy the ultra-wealthy use to defer capital gains taxes, and why the version being pitched to retail investors on TikTok rarely pencils out.
Gary Vaynerchuk's VeeFriends, how their being sold to collectors, and if cards can provide “alpha”.
K Money, a suspended securities broker turned Facebook "investing luminary," and how his $800,000 fund actually got spent.
Why "if they were really that good at it, they wouldn't be telling you about it" is a solid rule of thumb for filtering financial advice on social media.
A few real-life "avoidable risk" lessons from Red Rocks, and Ricky's Tesla-vs-Civic dilemma as his EV lease runs out.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Host: Ricky Mulvey

Co-host: Malcolm Ethridge

Engineer: Tim Sparks

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

Cybersecurity Stocks' Comeback Sep 01, 2026

Show notes

AI didn’t kill all software. In fact, some of the big dogs in cybersecurity may be stronger than before. Ricky and Malcolm discuss:

Bitcoin's return to favor, and whether it's a trade or a decade-long hold.
Why CrowdStrike and Okta are rallying, and the CISO survey stat behind the next leg of cybersecurity spending.
The "SaaS-pocalypse" that may still be coming, and how private equity gets hurt.
Ricky's Medicare for All reporting, and the cost assumption nobody's talking about.
TRICARE's opaque drug pricing, and why other developed nations pay less for U.S.-made drugs.
A mailbag question on investing real money for a college asset management timeline.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Host: Ricky Mulvey Co-host: Malcolm Ethridge Engineer: Tim Sparks

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Matt Argersinger: The AI Trade Is Musical Chairs Aug 25, 2026

Show notes

Future US stock returns may not follow its historical success. Former Motley Fool senior analyst Matt Argersinger sits in for Malcolm this week. Ricky and Matt discuss:

- 30-year Treasury yields near two-decade highs, and what that means for income investors who remember 2% bonds.- A real estate investment trust that Matt thinks is a great value.

- The case for playing defense on the AI trade.

- Ricky’s reporting on debanking.- Mercado Libre, gold, and covered-call ETFs.

- When it actually makes sense to pay for active management, versus indexing.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Host: Ricky Mulvey

Guest: Matt Argersinger

Engineer: Tim Sparks

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

The Only Sane Person in Crazy Town Aug 18, 2026

Show notes

The economy is unhinged! Ricky and Malcolm discuss:

Gen Z redirecting investing dollars toward gambling.
Malcolm as the lone voice of caution on a CNBC panel of market bulls.
Bill Ackman's return to Netflix as an activist investor and his shaky track record with the stock.
Reddit's inclusion in the S&P 500, and why Google and OpenAI need the site for AI ambitions.
Cerebras' wild earnings swings, the buildout of "collateralized chip obligations," and Malcolm's case about semiconductor shortage, which may not last forever.
Ricky's reporting about margin debt, which is at a record amount in the US stock market.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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

When to Sell a Stock You've Owned for Years Aug 11, 2026

Show notes

Malcolm bought a popular tech stock a few years ago and just decided it's time to sell. How did he know?

Ricky Mulvey and Malcolm Ethridge discuss:

Why Malcolm is selling a streaming giant after a multi-year run, and why he believes there are signs the company's best growth days are behind it.
Mercado Libre, the "Amazon of Latin America," and why a company trading off profit margins for a decade of growth might be a stock you just hold and don't overthink.
The little-known Fed rule that hasn't been touched since 1974, how it could effect the record levels of margin in the US stock market.
A listener question on the K-shaped economy: what would it actually take for the bottom half of the K to catch up to the top?

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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

Why Smart People Take Dumb Money Risks Aug 04, 2026

Show notes

A 24-year-old hedge fund manager said he had more "situational awareness" than anyone on Wall Street. Then his leveraged bets on memory chipmakers blew up, forcing a fire sale to Ken Griffin. Wall Street is pretty smart.

Ricky Mulvey and Malcolm Ethridge discuss:

- How Leopold Aschenbrenner's AI manifesto and multi-billion-dollar hedge fund imploded within months, and what it says about ego.

- South Korea's leveraged ETF boom, and what a 30% single-day swing in SK Hynix says about the stock market.

- What free solo climber Dean Potter's story (via HBO's The Dark Wizard) reveals about risk tolerance vs. risk capacity.

- Why AI chatbots are quietly rewriting the dating game, and what a Bloomberg story on "chat phishing" says about how people communicate now.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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

ServiceNow's Pitch: A Kill Switch for Rogue Bots Jul 28, 2026

Show notes

ServiceNow is down 50% over the past twelve months. Investors are doubting the company's place in a world with AI agents. But, maybe the software giant is figuring it out…

Ricky Mulvey and Malcolm Ethridge discuss:

- OpenAI’s latest scandal. Its bot broke out of a sandboxed test environment and hacked its way into another company’s servers using stolen credentials.

- Ricky passing the CFP® exam.

- ServiceNow’s pitch for an AI “kill switch,” and why Wall Street isn’t buying it (yet).

- Tesla’s robotaxi miles dropped 36% quarter over quarter, and nearly all of its net income came from SpaceX stock gains.

- Why Gen Z women are financially “momming” their boyfriends, and what it says about the dating economy.

- The financial lessons hiding inside Christopher Nolan’s The Odyssey.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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

Canaries in the AI Coal Mine Jul 21, 2026

Show notes

Uber, Tesla, xAI, Meta, and now IBM have all quietly signaled the same thing: AI is too expensive. Ricky Mulvey and Malcolm Ethridge discuss:

Whether "gotcha questions" in media interviews (from Tucker Carlson to JD Vance on Rogan) actually work
Why Malcolm bought Netflix into weakness after a disappointing earnings report, and picked up Cerebras (CBRS) as a bet against Nvidia's pricing power.
The "canaries in the coal mine" for AI spending: Tesla and Uber capping employee AI token usage, Meta and xAI signaling they overbuilt data center capacity, and IBM's ugly pre-released earnings blaming AI infrastructure costs
Why Ricky bought VICI Properties, the landlord behind Caesars and MGM on the Las Vegas Strip, as a hideout trade disconnected from AI
The other half of the K-shaped economy: falling grocery unit sales at PepsiCo versus surging same-store sales at Costco
A listener question on gifting money tax-free to kids for a home down payment.

Want to contact us? thistimepod@gmail.com

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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

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