America thinks it’s diversified… but the truth is shockingly risky.
If you’re investing in VOO, QQQ, or any “broad market” ETF, this episode is a must-listen.

In this episode, Dr. Abhishek Gadre uncovers America’s REAL portfolio by breaking down the top 10 most popular ETFs in the country. What he finds is alarming: extreme mega-cap tech concentration, almost no bonds, minimal international exposure, and a nationwide portfolio that looks more like a 25-year-old gambler’s than a 55-year-old professional’s.
You’ll learn why cap-weighted indexing funnels billions into the same few companies, how this creates bubble-like risk, and what a healthier, more resilient portfolio should look like.

• Why “diversified” ETFs are secretly concentrated

• How 6 tech giants dominate America’s investments

• The real breakdown of VOO, IVV, SPY, QQQ & VUG

• Why only 3.6% of America’s portfolio is in bonds

• How home-country bias hurts long-term returns

• The danger of investing like a tech-heavy 25-year-old

• What a balanced, evidence-based portfolio looks like

• Simple adjustments to reduce risk without sacrificing growth

Perfect for physicians, professionals, and long-term investors who want to understand their real exposure, avoid hidden risks, and build a smarter portfolio — built for resilience, not hype.

#MoneyMattersMD #Investing2025 #ETFInvesting #PortfolioRisk #IndexFunds #MegaCapTech #Diversification #DoctorFinance #FinancialEducation #WealthBuilding #InvestingPodcast

Are we heading into another “lost decade” for U.S. stocks?

Vanguard just released its latest 10-year market forecast — and the numbers are startling. With S&P 500 returns projected at only 2.8%–4.8% and large-cap growth even lower, long-term investors may face a dramatically different decade than the one we just lived through.

In this episode, Dr. Abhishek Gadre breaks down Vanguard’s Capital Markets Model (VCMM), explains why U.S. growth stocks look overvalued, and reveals the areas of the market that show real opportunity — including value stocks, small caps, international equities, and even bonds. You’ll hear why diversification matters more than ever—and the exact shifts he’s making in his own portfolio.

You Will Learn:
✅ Why Vanguard is projecting a weak decade for U.S. large-cap growth
✅ The mathematics behind “reversion to the mean” and valuation resets
✅ Why U.S. value and small caps are undervalued heading into 2026–2035
✅ Why international stocks may outperform U.S. equities for the first time in 15+ years
✅ Why bonds now offer higher expected returns with lower volatility
✅ How Morningstar and major banks compare to Vanguard’s outlook
✅ How to build a more resilient, globally diversified portfolio
✅ The portfolio changes Dr. Gadre personally made for the next decade

If the last decade rewarded concentrated bets, the next decade may reward disciplined diversification. Learn how to position your portfolio for long-term stability, better risk management, and smarter expected returns.

#vanguardforecast #lostdecade #investing2025 #doctorfinance #moneymattersmd #valueinvesting #internationalstocks #assetallocation #portfoliostrategy #financialeducation #longterminvesting

Are you tired of traditional budgeting—or feel like tracking every $4 coffee isn’t actually helping you build wealth?

In this episode, Dr. Abhishek Gadre introduces Macro Budgeting — the big-picture, annual cash-flow strategy physicians and high-income professionals use to understand exactly where their money goes and how to continuously improve their financial life year after year.

Instead of obsessing over daily expenses, macro budgeting teaches you how to measure your Total Income Package, Total Tax Package, Total Savings Package, and Total Spending Package so you can quickly calculate your Net Savings Rate — the #1 indicator of long-term wealth.

You Will Learn:✅ What macro budgeting is — and why high earners need it✅ The difference between micro budgeting vs. macro budgeting
✅ How to calculate your Total Income, Tax, Savings & Spending Packages
✅ How to find the correct lines on Form 1040 for your financial analysis
✅ How to determine your personal Net Savings Rate (and why it matters)
✅ How to categorize your savings into Pretax, Roth, and Taxable buckets
✅ A real example of a family improving their yearly cash-flow strategy
✅ How to review and update your macro budget in just 5 minutes per year

Stop guessing where your money goes. Start mastering your yearly cash flow like a pro — and build wealth with confidence.

#macrobudgeting #personalfinance #doctorfinance #cashflowplanning #highincomeearners #moneyMattersMD #physicianfinance #financialplanning #networthgrowth #savingsrate #budgetingtips