We are celebrating our 100th episode of THE FINANCIAL COMMUTE this week! 

Thank you for listening and supporting Chris and our guests these past two years. We are excited to continue empowering our listeners with financial confidence and knowledge through this podcast. 

To make this episode extra special, host Chris Galeski had a conversation with Grant Williams, author of Things That Make You Go Hmmm…, host of The Grant Williams Podcast and co-founder of Real Vision.
  
Here are some key takeaways from their discussion:

- It is important to decide if you are a speculator or an investor. 
- Investors must be patient and adopt a long-term perspective in their investment strategies, focusing on the intrinsic value of what they are buying, and aiming to hold assets for extended periods of time, often through fluctuations.
- A speculator’s primary goal is to capitalize on market trends. This can be riskier since they are trying to time the market, which is often impossible. 
- Grant highlights gold as a reliable store of value during turbulent times.
- With increasing geopolitical risks, high debt levels, inflation, and upcoming policy decisions, this is a time of instability where investors need to not only worry about growing their wealth but keeping it. 
- Grant encourages investors to stay updated with the news and consider how governments and central banks may react to certain events or solve issues, and how their policies could impact one’s investments. It is important to be adaptable in your financial strategy as circumstances change.
- Grant also shares his thoughts on the upcoming U.S. election and potential tax policies of each candidate.