Most investors have filled out a risk tolerance questionnaire—but does it really measure how you’ll behave when markets crash? Richard Rosso & Jonathan McCarty break down why traditional risk tolerance tools fail to predict investor behavior, how emotions override risk profiles, and why time horizons, liquidity needs, and cash flow matter far more than a few survey questions.

0:19 - Halloween Prelude - Baby's First Halloween
2:31 - Risk Tolerance Tests - The Ugly Truth
6:00 - How Rich & Jonathan Scored
7:12 - The Spousal Tolerance Quiz
11:08 - Looking at Risk Tolerances in Couples
17:48 - What's Your Judgement Orientation?
21:52 - Responding to Market Moves - Mapped Portfolios
24:26 - What Happens When Powell is Out at the Fed
28:53 - Risk Tolerance Quizzes Do Not Reflect Reality When Markets Turn
30:30 - When Rich was 13 - Owning McDonald's
35:28 - EBT, Food Stamps, & Fast Food Comparisons
36:55 - Taking the Risk Quiz at 20 vs 50
39:08 - Investing Over-Confidence vs Balance
40:50 - The Millionaire Next Door I & II
43:34 - AI Impacty on Market History

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Senior Investment Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
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Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=ZUIhiCubDgw&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1
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The latest installment of our new feature, Before the Bell, "Bullish Momentum Builds," is here:
https://www.youtube.com/watch?v=quAIX8PhNZw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
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Our Previous Show, "The Most Dangerous Era in History," is here:
https://www.youtube.com/watch?v=qxX1Xw_bQP4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
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