The Blunt Dollar

In this episode of The Blunt Dollar, I sit down with Elias Korosis, Global Investment Partner at Federated Hermes Private Equity and Chair of Invest Europe. From starting his career as a scriptwriter for educational cartoons to becoming one of the leading voices in European private capital, Elias brings a rare combination of storytelling clarity and institutional insight.We dive into the realities behind Europe’s investment narrative, challenge some of the biggest myths in private equity, and unpack the structural issues that matter far more than headlines. This is a conversation about perception versus reality, discipline versus arrogance, and what it truly takes to succeed in private markets today.💡 The Hollywood gap and why global investors often misunderstand Europe’s true economic dynamism📊 The truth about IRR, DPI, and how return metrics can distort the real picture for LPs⚖️ Where fee structures and incentives can break alignment between GPs and LPs🧠 The hidden risks of GP arrogance and how overconfidence quietly destroys long-term performance🚀 Why the next generation of investors must combine technology mastery with strong human judgmentIf you like private equity deep dives, institutional investing insights, and honest conversations about what really drives returns, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Andrew Hollingworth, founder of Holland Advisors and manager of the VT Holland Advisors Equity Fund, a boutique investment firm built around long-term ownership of exceptional businesses. Andrew is a Buffett disciple with a contrarian streak who left the traditional institutional world to build a fund that ignores benchmarks, avoids groupthink, and focuses relentlessly on misunderstood companies run by aligned owner-managers.We explore Andrew’s investing philosophy, how he thinks about sustainable competitive advantages, and why he believes most investors are far too diversified to outperform. From studying the history of great businesses to identifying rare “supernatural compounders,” Andrew shares the mental models and frameworks that guide his decision-making.✅ Why most investors are too diversified and how concentration drives performance✅ The operate, generate, allocate framework for analyzing businesses✅ How to spot real competitive advantages and long-term compounders✅ Why owner managers and capital allocators matter more than flashy growth✅ Lessons from Buffett, Munger, and Nick Sleep that shaped Andrew’s thinkingIf you like value investing, business analysis, and deep conversations about long-term compounding, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Anastasia Buyalskaya, behavioral scientist and professor at HEC Paris, whose work sits right at the intersection of neuroscience, psychology, and financial decision making.With a background that spans finance, academia, and advisory work, Anastasia brings a rare perspective on how our brains actually behave under pressure and why even the smartest investors are still vulnerable to bias, stress, and habits they don’t even realize they have.We dive deep into how behavior shapes financial outcomes and why understanding psychology may be just as important as understanding spreadsheets.🧠 Why stress literally changes how your brain processes risk and decisions📊 The truth about habits, including why the “21 day rule” is a myth🎯 How context cues like news alerts, apps, and screens silently shape investor behavior🎮 The rise of gamification in investing and how it may be pushing people toward more risk💡 Why reference points, anchors, and identity signals influence how we interpret markets and moneyIf you like behavioral finance, decision making psychology, and understanding the hidden forces behind market behavior, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Greg King, Senior Director and Head of Wealth Management at FactSet, to unpack how technology, AI, and data are fundamentally reshaping the wealth management industry.With nearly three decades at FactSet, Greg has witnessed the evolution from spreadsheets to smart systems firsthand. We dive into what digital transformation really looks like inside large financial institutions, how AI agents are changing advisor workflows, and why trust remains the ultimate currency in finance even in a digital-first world.🧠 How AI agents are transforming advisor workflows and saving hours of client prep time📊 Why data quality and integration are the real foundation of successful digital transformation🤝 The evolving role of advisors from portfolio managers to full-service financial concierges🚀 What wealth platforms must get right to stay competitive in 2026 and beyond🌍 Why staying curious is the most powerful career advantage in finance todayIf you like AI in finance, wealth management innovation, and real-world insights from industry leaders, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Javier Corominas, Chief Investment Strategist at Oxford Economics and former Head of Research at Record Currency Management. Javier brings a rare blend of real money portfolio experience and deep macro strategy, offering sharp insights into how markets truly function beneath the headlines.We explore what it means to move from managing risk directly to shaping global macro views, how narratives turn into trades, and why the bond market may be entering a structural new regime. Along the way, Javier shares practical lessons from currency management mistakes, explains fiscal dominance in plain English, and breaks down what keeps the US dollar firmly at the center of the global financial system.Key topics covered in this episode📉 Painful lessons from currency portfolio management and why position sizing matters more than being right🧠 How macro strategists turn market narratives into actionable investment frameworks📊 Why bonds may be entering a new structural regime and what investors should watch closely🌍 Fiscal dominance explained in simple terms and how rising debt reshapes markets💡 Career advice for young investors including how passion and risk discipline create long term edgeIf you like macro investing, bond market insights and real world portfolio lessons, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with William De Gale, founder and CIO of Blue Box Asset Management and former long time technology investor at BlackRock, where he ran its offshore global technology fund for two decades.William brings a refreshingly contrarian perspective to tech investing. In a world obsessed with flashy disruptors and headline grabbing growth stories, he focuses on something far less glamorous but far more powerful over time. Profitability. Specifically, full gap profitability with all the nasty stuff left in.We go deep into what truly creates value in technology, why most investors are chasing the wrong companies, and how to think about tech not as a vertical sector, but as the economic horizontal that is quietly absorbing profit growth from the rest of the market.Here is what we cover:💰 Why gap earnings, not adjusted numbers or revenue growth, are the real drivers of long term stock performance🧠 How his background in accounting and as an intelligence officer in the British Army shaped his investment framework🍾 The inverted champagne pyramid mental model and why the real money sits at the bottom of the tech stack🚫 Why most exciting disruptors will never be worth anything and how investors get blinded by hype📉 The hidden risks in tech benchmarks and why benchmark relative thinking can be dangerousIf you like fundamental analysis, long-term thinking, and cutting through market noise, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Jonathan Nurick, Co-Founder and CIO of DivGro, a fund built on a bold and simple mission: 30X capital over 30 years. But this is not about chasing hype or predicting the next big thing. It is about mastering behavior, understanding compounding, and learning to listen to the quiet language of dividends.Jonathan grew up in a family deeply rooted in markets, where business ownership was taught through real-world lessons rather than textbooks. Today, he blends philosophy, psychology, and disciplined dividend growth investing to build what he calls an emotional system for investors, designed to help them actually stay the course.We cover everything from the Gordon Growth Model to air conditioning distributors, and why boring might just be beautiful when it comes to long-term wealth creation.Here is what we get into:📈 The 30X in 30 years framework and why 12 percent sustained returns are more realistic than they sound🧠 The temperamental differential and why behavior, not stock picking, is what usually breaks compounding💬 Dividends as a language between companies and owners, and how rising dividends create emotional stability🏭 Why boring businesses like air conditioning parts, uniforms, and fire safety can outperform flashy front page stocks⏳ How designing the right feedback system can help investors survive drawdowns and stay invested for decadesIf you like long-term thinking, dividend growth investing, and the psychology behind building real wealth, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, Ignacio sits down with portfolio strategist Vikram Josyula to explore a different way of thinking about macro investing. Instead of trying to predict the business cycle, Vikram focuses on detecting regime shifts early and adapting portfolios before risks compound.Drawing from his experience across engineering, risk management, and quantitative research, he explains why many macro frameworks fail and how machine learning can improve decision-making without replacing human judgment. 💡 Why predicting the business cycle often fails, and why adaptive frameworks work better in markets that evolve gradually but break suddenly📊 How machine learning and rolling macro indicators can help identify regime shifts earlier than traditional economic models🧠 The behavioral traps investors fall into when interpreting factor data and how narratives often distort what the numbers are actually saying⚠️ The hidden risks behind “defensive” strategies, low volatility trades, and crowded factors that can unravel when everyone rushes for the exit🤖 The real role of AI in investing today and why it should be viewed as jet fuel for analysts rather than a replacement for human judgmentIf you like macro investing, systematic strategies, and deep conversations about how markets actually work, this one's for you.And if you haven’t already, make sure to subscribe to The Blunt Dollar for more raw and honest finance conversations.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

What if your bank didn’t just serve you but actually knew you? In this episode, I sit down with Driss Temsamani, Head of Digital at Citi, who’s not just leading a transformation. He’s reimagining what a financial institution can be.Driss has an incredible story. He immigrated to the US from Morocco at 17 with just $ 200 in his pocket and went on to help shape the infrastructure of global banking. Today, he’s pioneering the concept of the agentic bank, a vision for how AI and intelligent systems will reshape finance from the inside out.Here’s what we cover in the episode:💡 How a learning disability and an old Atari computer unlocked a lifelong passion for technology🌍 The leap of faith that took him from Casablanca to Fort Lauderdale and changed his life🏦 What the agentic bank is and how it’s redefining banking as we know it🤖 Real-world examples of AI agents in treasury and client servicing, and what’s coming next🔮 Why blockchain and AI must come together to build the next generation financial infrastructureIf you're into big ideas, digital banking, and raw stories of resilience and reinvention, this one is for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

If you still think ETFs are boring, this episode will change your mind. Sefian Kasem, Global Head of ETF and Indexing Investment Specialists at HSBC Asset Management, joins the show to unpack how ETFs have evolved into the real engine room of portfolio construction.With over 100 billion in AUM and a PhD in mathematical finance, Sefian bridges the gap between macro strategy and product design. From the rise of faith-based ETFs to the blurring lines between active and passive, this is a masterclass in modern investing.Here’s what we cover:📉 What it’s like to launch your career during the Global Financial Crisis and the lessons it teaches🧱 Why ETFs are no longer just wrappers but building blocks for institutional and retail portfolios🧠 How the active versus passive debate is missing the point entirely🕌 The rise of Sharia compliant and ESG blended ETFs and what that says about value based investing🌎 Why Europe’s ETF market is catching up to the US through innovation not imitationIf you're into asset allocation, ETF design, or future proofing your strategy, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Lucy Walker, fintech founder, former fund researcher, and boardroom powerhouse, for a deep dive into the future of fund research and distribution. Lucy shares the story behind building AM Insights, a sleek mobile-first platform born out of frustration with clunky legacy systems. We talk entrepreneurship, sales effectiveness, and the community she built almost by accident, that’s now 400 plus women strong.🔹 From managing £1B to founding AM Insights: why Lucy left institutional comfort for startup chaos🔹 The painful inefficiencies of traditional fund research tools and what AM Insights is doing differently🔹 What makes a great fund salesperson today (hint: it’s not a long deck or a bottle of red)🔹 How personalization and AI are transforming how fund selectors work🔹 Building “Women in Distribution”: How a single LinkedIn post sparked a thriving community of women in financeIf you’re into fintech innovation, fund selection, and honest career pivots in asset management, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Phil Rosen, a former Business Insider reporter turned media entrepreneur, whose journey from literary fiction to launching one of the fastest-growing finance newsletters in the game is anything but typical.Phil is the cofounder of Opening Bell Daily, a high-impact financial newsletter read by investors around the world and syndicated by Inc. Magazine and Bloomberg Terminals. He also hosts Full Signal, a show that breaks down market trends and interviews top thinkers in finance and tech.We discuss the tectonic shift in financial media, how AI is reshaping content creation, and what it takes to build a sustainable voice in a noisy digital world.✅ From Business Insider to building an independent media empire 📈✅ Why volume still wins and how to scale without burning out 🔥✅ Legacy media’s trust problem and the rise of individual brands 🧱✅ How AI is changing the game and how Phil uses it daily 🤖✅ Storytelling, stoicism, and simplifying finance for real people 📚If you like media disruption, creator-led finance, and sharp takes on the future of content, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down for the third time with Lucy Baldwin, Global Head of Research at Citi, to unpack what it really takes to lead one of the largest and most influential research platforms in the world. With a career spanning Goldman Sachs, Bank of America, and Credit Suisse, Lucy offers a candid, thoughtful look at how research, leadership, and markets are evolving in an era defined by AI, information overload, and constant disruption. Together, we explore how great research is built, how to think independently in a consensus driven industry, and why curiosity, structure, and storytelling matter more than ever.💡 What the day-to-day life of a Global Head of Research actually looks like at a truly global institution🤖 How AI is reshaping equity research, analyst productivity, and competitive advantage across industries📊 The balance between speed and depth in research in a world that demands instant insights🎯 What separates great analysts from good ones, and how to build real differentiation with clients🚀 Career advice for young professionals navigating finance in a rapidly changing job marketIf you like conversations about markets, research, leadership, and the future of finance, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

John Haslett is not your typical finance COO. As cofounder of Graphite Asset Advisory, John brings a rare blend of risk discipline, storytelling flair, and market intuition that sets him apart in the world of discretionary fund management. Named a Top 10 LinkedIn Voice in South African finance, John has built a firm that has never lost a single client or team member in over a decade. In this episode, we dive deep into how he did it and what it means to truly play the long game in both markets and life.🔍 From auditing structured finance in the 2008 crisis to building a human centered investment firm🧠 How behavioral risk, not just portfolio theory, drives Graphite’s asset allocation📈 Why both value and growth managers are outperforming and what it signals for active investing🤖 The creative power of AI in finance and John's process behind the Green and Bear It letter🏉 What rugby, deadlifting, and raising a daughter taught him about long term thinkingIf you are into resilience, market psychology, and the future of asset management, this one is for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Karl Rogers has traded everything from oil calendar spreads to electricity across the US grid and now he's building one of Ireland’s most forward thinking family office investment platforms at Elkstone.In this episode of The Blunt Dollar, we dive deep into how Karl’s prop trading roots shaped his unique investment approach, why he believes most forecasts are useless, and how to build portfolios that are both behaviorally resilient and future proof.🎯 Built Elkstone’s investment platform from scratch with a focus on edge, not orthodoxy⚡️ Former pro trader in oil, cocoa and US power markets and why electricity trading rewired his thinking📉 Why Karl says macro doesn’t matter and most forecasts are just expensive guesses🧠 Behavioral “armor” for investors and how to prevent panic selling and cognitive pitfalls🧰 Why the 60 40 portfolio might be outdated and how to build for the next market cycleIf you like unfiltered takes on hedge funds, behavioral finance insights, and how to actually build a robust investment platform, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with Andrew Spence, founder and CEO of Aspen, one of the UK’s fastest-growing model portfolio service (MPS) providers.From his early career in marine engineering to a life-altering health scare that reshaped his outlook, Andrew shares the pivotal moments that led him to build Aspen with a clean slate and a mission to add real value to wealth management.We dive into how Aspen challenges the "me too" nature of the MPS industry, why most risk profiling is broken, and how goal-based investing can reshape the advisor-client conversation.Key topics covered:🔧 How engineering principles and a brush with mortality inspired Aspen’s no-nonsense, tech-forward approach to portfolio management🧠 Why the current risk profiling system fails both advisors and clients, and what a better framework could look like🌦️ Inside Aspen’s flagship Four Seasons portfolio and the thinking behind modular strategies like core versus satellite investing💰 A candid breakdown of the false binary between low-cost index funds and high-fee managers, and what real value should mean in MPS🤖 The impact of AI on wealth management and why the advisor’s human role is still irreplaceable for nowIf you’re interested in goal-based investing, fixing broken financial frameworks, and building things that truly matter, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

After four decades in European finance, David Hawa has seen it all, from the birth of the euro to managing €3 billion bond portfolios and leading distribution at firms like Nordea, Fortis, and Robeco. In this episode, David unpacks the evolution of fixed income markets, the critical role of client communication, and how staying calm in a crisis defines great investors.We explore his career arc, from cold-calling at Morgan Stanley to managing sovereign debt portfolios and shaping sustainable investing strategies long before they were fashionable.Here’s what we cover:📉 How managing €3B in government bonds teaches discipline, clarity, and staying power🌍 Why European firms differ so much in culture, and what he learned from each🌱 What “transition investing” means, and why ESG is entering a new, more rigorous chapter💼 How to build client trust and explain complex strategies with precision🧠 The overlooked beauty (and misunderstood complexity) of fixed income investingIf you like career deep dives, European market insights, and brutally honest takes on ESG and risk, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this week’s episode of The Blunt Dollar, I’m joined by Spencer Jakab, renowned investment columnist at The Wall Street Journal, author of "Heads I Win, Tails I Win" and "The Revolution That Wasn’t", and the voice behind the widely read "Markets AM" newsletter. Before journalism, Spencer was a top-ranked equity analyst and head of EM research at Credit Suisse. He’s been on both sides of the machine, and now writes to explain why smart investors still make dumb mistakes.This conversation is a candid dive into the craft of financial storytelling, the psychology of market manias, and what it means to be a journalist in an age of information overload.We get into:📈 Spencer’s unusual path from emerging markets research to *WSJ* columnist📚 The GameStop saga, what it revealed about retail behavior, and why conspiracies still persist🧠 Why intelligence alone won’t make you a good investor (and what might)🗞️ How financial journalism is adapting to AI, social media noise, and collapsing attention spans🧵 The newsletter flywheel: how Spencer writes daily for half a million readers without losing his voiceIf you’re into behavioral finance, media skepticism, and finance without the fluff, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

What do a monastery in India, a £50 billion multi-asset franchise, and a fixed income desk have in common?In this episode, we sit down with Mitesh Sheth, former CEO of Redington and CIO at Newton Investment Management, for a deeply human conversation about purpose, reinvention, and what it truly means to lead.An actuary by training and a strategist by conviction, Mitesh has built his career not only around financial alpha—but organizational alpha.From sleeping on a straw mat in a monastery to transforming investment firms from the inside out, Mitesh challenges the traditional narratives of finance with radical humility, emotional intelligence, and spiritual insight.We discuss:🌍 Growing up as a “double exile” between Bolton and India and how it shaped his leadership style🧘‍♂️ Why he chose to live like a monk right after university—and what it taught him about purpose and identity🏢 His concept of “organizational alpha” and how culture can become a firm’s greatest edge🧠 How AI and spirituality can co-exist in a more human-centered model of finance📖 Why storytelling, not spreadsheets, drives real inclusion and innovationIf you like conversations about purposeful leadership, rethinking the future of finance, and finding meaning in the messiness of life, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Dr. Henning Stein  a strategist, academic, and Chief Innovation Officer at One Business World  to unpack the future of investing through the lens of long term thinking, technology, and behavioral insight.Henning brings a rare mix of experience: from insurance and asset management to launching Europe's early blockchain ETFs and shaping strategic intelligence platforms powered by AI. We dive deep into what it really means to build resilient portfolios, how AI is misunderstood in finance, and why patience still beats prediction.Here’s what we cover:📊 Strategic asset allocation vs market calls  why most investors get it wrong🧠 AI in finance  the myth of machine driven alpha and the rise of “quantamental”🔒 From childhood detective to CIO  how curiosity shaped Henning’s unconventional career🥇 Gold, equities, and psychology  what this debate says about investor behavior🕰️ Long term thinking in short term times  what leaders (and portfolios) need to survive volatilityIf you like conversations that blend data, discipline, and deep curiosity, this one’s for you.And if you haven’t already, make sure to subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every week right here on YouTube.You can also follow me on LinkedIn for more behind the scenes content and upcoming guest updates: [https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/](https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/)Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Always consult a qualified financial professional before making financial decisions.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

After 25 years inside the engine room of global commodity markets, Martijn Bron walked away from his post as Global Head of Cocoa and Chocolate Trading at Cargill to carve his own path and speak more candidly than ever before.In this episode, Martijn joins Ignacio to unpack a career built at the intersection of sharp trading instincts, global supply chains, and raw honesty.From the pressure-cooker of Geneva's trading floors to navigating African supply shocks, Martijn shares the scars, lessons, and mental frameworks that shaped his edge in a volatile world. Whether you're trading cocoa, crude, or ideas, this is a masterclass in real-world risk-taking.What we cover in this episode:🔍 The true meaning of a “trading edge” and why most retail investors don’t have one📈 Why a solid trading process beats perfect forecasts every time💣 Cocoa markets, irrational actors, and the graveyard of failed firms🧠 Managing trading teams under pressure: micromanagement, trust, and team psychology🎯 Advice for young traders: be proactive, seek mentors, and never have a “comfortable day”If you're into commodities, risk management, or trading psychology, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with Oswaldo Zapata, a string theorist turned quantum finance expert, to unpack one of the most hyped (and misunderstood) forces heading toward Wall Street: quantum computing.Oswaldo holds a PhD in theoretical physics and has conducted research at institutions like the Albert Einstein Institute and the London School of Economics. But today, he’s helping financial professionals demystify the real-world impact of quantum technologies. This is not about hype. This is about what’s actually coming, and how to prepare.We cover:🔬 The truth behind quantum computing and why it’s not just science fiction💰 How quantum will impact portfolio optimization, risk management, and encryption🛡️ Why financial institutions need to care now about quantum threats to cybersecurity📉 Why Oswaldo calls BS on most of the quantum hype in finance🧠 What quantum mechanics can teach us about uncertainty, decision-making, and truthIf you're into finance, tech, and the occasional existential rabbit hole, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

What does it take to go from fixing cars in Brooklyn to managing billions on Wall Street? In this powerful episode, Chris Thompson shares his extraordinary journey from Automotive High School to JP Morgan, and now to leading impact investments and executive coaching with purpose.Chris opens up about growing up in Crown Heights, the painful loss of his mother, and the quiet identity struggles many finance pros face at the top. This is a raw and deeply honest conversation about resilience, purpose, and what it really means to live in alignment.💡 From food stamps to finance: Chris' incredible path from trade school to Wall Street🧠 Coaching vs. capital: why Chris sees impact investing and executive coaching as two sides of the same coin🏀 Athlete mindset in finance: how high performers can reclaim agency using tools from pro sports🔥 Burnout at the top: the quiet crisis facing senior finance professionals and how to break out of career purgatory📈 Movement, visualization, planning: Chris’ MVP framework for staying intentional, resilient, and fulfilledIf you care about career reinvention, financial purpose, and the power of mentorship, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, Ignacio sits down with Philippe Gijsels, Chief Strategy Officer at BNP Paribas Fortis and co-author of "The New World Economy in Five Trends". With decades of market experience and a mind shaped by literature, history, psychology, and economics, Philippe brings a truly unique perspective to investing. This conversation is a deep dive into the ideas behind his work, from market cycles to storytelling, strategy to philosophy.📚 How stories shape markets and the power of narrative in investing🧠 Why reflexivity, psychology, and human behavior matter more than models🔥 The five megatrends driving today's world: inflation, innovation, demographics, climate, and geopolitics🏖️ From the beach bar to Bloomberg: Philippe’s “three windows” framework for viewing the world🐊 Lessons from pigeons, poker games, and alligators: analogies that bring strategy to lifeIf you’re into market history, macro strategy, or simply love hearing from thinkers who blend rigor with storytelling, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Craig Coben, former Global Head of Equity Capital Markets and Vice Chairman at Bank of America Merrill Lynch, joins The Blunt Dollar to share insights from a 25-year career at the very top of investment banking.From raising billions in IPOs and rights issues to writing sharp columns for the Financial Times, Craig’s journey is packed with hard-earned lessons on leadership, competition, and reinvention.This episode is a must-watch for anyone curious about how to invest, personal finance, or what actually goes on behind major stock market deals. Whether you're an aspiring banker, someone just getting into investing for beginners, or a fan of Warren Buffett investment strategy, you'll take away plenty from Craig’s no-nonsense wisdom.In this conversation, we cover:📈 What ECM bankers really do and how Craig climbed to number one in European dealmaking💡 Why most pitches fail and what great origination looks like in a high-stakes world🤖 How trust, relationships, and emotional intelligence still beat AI in investment banking📉 The rise of private capital, and why public markets are struggling to keep up✍️ Craig’s post-banking pivot to writing, and why angel investing isn’t as easy as it looksIf you’ve ever wondered what really goes on behind the scenes of a multibillion-dollar IPO, how bankers win and lose deals, or why relationships still matter more than Excel shortcuts, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

What do a rock guitarist, a math-loving economist, and a fixed income strategist have in common? They’re all Dean Smith.In this episode of The Blunt Dollar, Ignacio sits down with Dean, Chief Strategist at FolioBeyond, to unpack his unconventional journey from the stage to Wall Street, his sharp takes on market inefficiencies, and the behavioral blind spots that even the most seasoned investors fall into.Whether you're investing for beginners or diving deep into structured products, this episode is packed with insights on how to invest smarter, avoid common pitfalls, and think beyond the headlines.In this episode:🎸 From Baltimore rock bands to Wall Street: how Dean’s creative past shapes his personal finance mindset📉 The trade that predicted the 2008 crisis:  and why it matters for stock market risk management today🧠 Recency bias, overconfidence, and why investing isn't just numbers:  it's psychology🏛️ What’s wrong with rating agencies, and why pricing data beats forecasts when investing during uncertainty🤖 The future of how to invest for beginners:  why AI, math, and curiosity are now essential toolsIf you're into markets, stocks, how to save money, or just trying to figure out how to invest in stocks without getting lost in jargon, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with Rob Arnott, founder and chairman of Research Affiliates and one of the most contrarian thinkers in investing today. With over $160 billion managed using his models, Rob has challenged decades of financial orthodoxy, from the efficient market hypothesis to the myth of stimulus-driven growth. If you’ve ever wondered what it takes to build a truly independent investing philosophy or what the stock market teaches us about time, risk, and reward, this conversation is a masterclass.We cover:📉 Why fundamental indexing may outperform traditional approaches — and how it challenges everything we thought we knew about how to invest in stocks🔍 What makes the active side of passive investing quietly dangerous, and why blindly following the S&P 500 could backfire💡 Rob's journey from aspiring astrophysicist to quant pioneer, and how curiosity, not conformity, drove his success🧠 Lessons from going against the grain on government stimulus, market efficiency, and long-term value investing📈 How time horizon, patience, and humility can give individual investors an edge, especially when investing for beginners or learning how to save money and build wealthIf you like personal finance, investing strategy, and breaking down complex finance ideas, this one's for you. Whether you're exploring stocks to buy or learning how to budget and invest, this episode is packed with insights.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Quant meets code meets capital in this sharp conversation with Cyril Bosch, a seasoned investment strategist with a rare blend of quant experience, AI expertise, and institutional rigor.Formerly CIO at Sidekick and with a deep background across JP Morgan, USS, and Polar Capital, Cyril unpacks how AI is fundamentally changing the investment game, and why it’s about much more than just automation.We dive deep into Cyril’s vision of an AI-first investment process, his own tools for automating ripple intelligence, and how he’s helping fintech startups build real-world AI applications. And yes, we also get into drones, Japan, and why behavioral finance still matters.Here’s what we cover:🤖 Why AI in investing isn’t just a tool — it’s a new mindset🛠 How Cyril built a portfolio-aware AI alert system that beats Bloomberg🇯🇵 Unique challenges (and megatrends) in Japanese equities📉 How behavioral biases quietly cost investors 300bps per year🧠 Advice for younger professionals: learn, code, and stay curiousIf you’re into applied AI, portfolio strategy, and how tech is reshaping capital markets, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Cole Wilcox, Founder, CEO, and CIO of Longboard Asset Management, joins The Blunt Dollar to unpack the core ideas behind his 25-year investing journey rooted in disciplined risk management, long-term thinking, and trend following.If you're exploring how to invest, curious about what it means to have a sound investment strategy, or simply want to understand personal finance through a deeper lens, this episode delivers timeless insights you can actually use.We discuss the highs and lows of the stock market, how to protect your portfolio from catastrophic loss, and what investing for beginners should really look like in a world full of noise. In this conversation, we cover:📉 Why “avoiding the double zero” is the cornerstone of Cole’s approach to investing📚 How early market cycles and losses shaped his take on how to invest in stocks and build lasting wealth📊 What most get wrong about trend following and how it beats buy low sell high thinking🧠 Why budgeting, patience, and emotional discipline matter more than stock picking🔮 The rise of liquid alternatives, freenvesting, and what the future of retire stock market strategies may look likeIf you're into stocks to buy, how to save money, and building a strategy that actually compounds, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Few people have shaped the way we think about long-term investing and finance like Laurence Siegel. From his early collaboration with Roger Ibbotson on the landmark "Stocks, Bonds, Bills, and Inflation" study to leading investment research at the Ford Foundation and the CFA Institute Research Foundation, Larry has spent decades connecting financial history, data, and practical insight into how markets truly work.In this wide-ranging conversation, we explore what centuries of economic and stock market history can teach us about the future, how seemingly obscure ideas like tontines and medieval water mills reveal deep investing truths, and why indexing, once a fringe idea, changed everything from the NYSE to global financial education.🎯 Here's what we cover:🏛️ Discovering 14th-century share trading in a Toulouse watermill, an early example of stock market investing📉 The real lessons foundations and endowments learn about risk and profit📘 What most investors miss about the early days of index funds and quantitative analysis🧠 How to build a true long-term mindset in a short-term world dominated by CNBC headlines and stock market news🧭 Why economic history is still the best forecasting tool we have, from forex markets to interbank lending dynamicsIf you’re into deep market wisdom, financial education, and no-nonsense investment thinking, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with Marcie Frost, CEO of CalPERS, the largest public pension fund in the U.S., managing over $500 billion in assets for more than 2 million public sector workers.From a childhood marked by poverty to the pinnacle of public finance, Marcie’s journey is a masterclass in grit, purpose, and principled leadership. She opens up about the personal experiences that shaped her view of retirement security and the operational pressures of leading a fund under constant political and media scrutiny.We cover a wide range of topics, including the future of public pensions, the impact of AI, and how to lead with clarity under pressure.🔹 From food banks to a finance titan: Marcie's remarkable rise without a college degree🔹 What it takes to lead CalPERS: Balancing fiduciary duty, politics, and performance🔹 Inside the $100B climate strategy: Myth-busting ESG misconceptions and redefining impact🔹 The Pathways initiative: Empowering women to step into leadership with confidence🔹 AI at CalPERS: How the fund is embracing tech without compromising its human touchIf you like stories of bold leadership, sustainable investing, and what it really takes to manage generational capital at scale, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Orlando Gemes, Founding Partner and CIO of Fourier Asset Management, a credit hedge fund focused on uncovering repeatable alpha through a highly data-driven approach to convertible arbitrage. Orlando’s background spans from fixed income at Deutsche Bank to leading structured credit at Hermes and running his own shop at Fairwater Capital. Now, he’s building something truly unique with Farrier.We talk about what makes convertibles so compelling, how he’s assembling a PhD-led quant team from scratch, and what it really takes to launch an emerging hedge fund without the usual pedigree or seed backers.🔍 Why convertibles are one of the best risk-adjusted investing opportunities out there🧠 How Orlando leverages STEM talent, data analysis, and quantitative trading models to find an edge📉 The brutal realities of liquidity risk in credit markets🏗️ What it’s like to build a hedge fund from scratch, with no shortcuts or safety nets📚 Orlando’s advice to young professionals: read everything, get mentors, stay curious about finance and financial educationIf you’re into investing, money management, or just want an honest look at what it takes to go from idea to fund launch, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Today’s guest is James Eagle, data visualization pioneer, LinkedIn top voice, and former investment writer with a two-decade run at firms like HSBC, Fidelity, and Vontobel. James left the institutional world to become a full-time content creator and data storyteller, making finance clearer and more human through the power of visuals.In this episode, we unpack his incredible journey from pitchbooks to pixels, why most financial communication still misses the mark, and how we might be able to save ourselves from the chaos of information overload — one chart at a time.Here’s what we cover:📊 From asset management to animated charts: James’ leap from Fidelity and Vontobel to founding PlotSet🧠 Why most financial storytelling is forgettable, and how to make it emotionally resonant🔥 The role of vulnerability in content creation (yes, even in finance)🧭 Why data visualization is more than decoration, it’s a map for a confusing world🤖 How AI is both the problem and the solution to data pollutionIf you like content creation, emotional intelligence in finance, and making complex ideas beautifully simple, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Stephen White, co-founder of Markets Recon and former marketing lead at BlackRock and eVestment, to unpack nearly two decades of insights from the intersection of finance, strategy, and storytelling.From launching billion-dollar investment strategies to now building a tech platform that reimagines how allocators absorb research, Stephen brings a fresh, human take on everything from active management to fintech innovation. This conversation goes deep into what it really means to work in finance with integrity, purpose, and an eye toward broader impact.We talk about:💡 The hidden role of storytelling in finance — and why English Lit majors might be the next big thing🚀 What it's really like inside BlackRock: strategy, politics, layoffs, and long-term vision📊 Why active management isn’t just about alpha, it’s about self-actualisation🌍 The tension between democratizing investing and solving rich people's problems🎙️ How marketing in finance is shifting from press releases to podcast mics and personal brandsIf you're into fintech, asset management strategy, and the human side of markets, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Bill Kelly, a true veteran of the asset management world with over 40 years of experience and former CEO of the CAIA Association. From co-founding Boston Partners to steering CAIA into a global standard for alternatives education, Bill has seen (and shaped) the evolution of the investment industry from the inside out.We dive into the lessons he’s learned leading both scrappy startups and established institutions, why investor education matters more than ever, and the opportunities and risks in today’s democratising private markets.Here’s what we cover:💼 Bill’s career journey — from CPA at PwC to CEO of CAIA and beyond📈 The evolution of alternative investments and the democratisation of private markets⚠️ Why financial literacy and fiduciary duty are essential safeguards for investors🧠 Bridging the gap between data scientists and investment professionals through the FTP Institute🤖 AI, quantum computing, and the next wave of disruption in financeIf you’re interested in asset management, alternative investments, and the future of investor education, this one’s for you.And if you haven’t already, make sure to subscribe to The Blunt Dollar for more raw and honest finance conversations.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Rhodri Preece, Senior Head of Research at CFA Institute, to explore how digital forces, new generations, and AI are reshaping the investment landscape. Rhodri has spent nearly two decades at CFA Institute leading global research initiatives, covering everything from ESG and transparency to the rise of social media influencers in finance.We discuss:📱 The powerful impact of “finfluencers” and how Gen Z is learning (and sometimes mislearning) about investing online🎯 Why personalization, data, and digital engagement are becoming non-negotiable for financial firms🤖 How AI is changing the advisory profession, and why creativity, empathy, and critical thinking still give humans an edge🌎 What the CFA Institute is doing to keep standards relevant in a world of rapid tech shifts💥 Why trust today looks very different than it did a generation ago — and how firms can adaptIf you’re interested in the future of financial advice, Gen Z investors, and the blend of human and machine intelligence in markets, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Claudia Sahm, a renowned economist, recession expert, and creator of the famous Sahm Rule, one of the most closely watched early indicators of U.S. recessions. Claudia spent over a decade at the Federal Reserve, later advised the White House, and now serves as Chief Economist at New Century Advisors. We explore her fascinating career path, the story behind the Sahm Rule, and why good economic policy must blend rigorous data with empathy and an eye for dignity.Here’s what we cover:📈 Claudia’s transition from the Fed and the White House to building her own voice and ultimately joining the investment world.💡 The surprising backstory of how the Sahm Rule came to life, and why it triggered in 2024 but Claudia herself didn’t call a recession.🛠️ Why automatic stabilisers like stimulus checks should be on “autopilot” to avoid messy congressional fights during downturns.🧭 The underrated power of storytelling and empathy in economic analysis, and how it helps build trust and credibility.🤝 Claudia’s best advice for young economists looking to be bold, ethical, and truly impactful in their careers.If you like deep dives on macroeconomics, how policy shapes real lives, and candid stories from inside the Fed, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, Ignacio sits down with Morgaine Conway-Grim, founder and CEO of Hawks and Doves, a finance education company making investing fundamentals accessible to everyone. Morgaine’s path to finance began not on Wall Street, but at a reception desk, before she went on to work at some of the largest financial institutions in the world. In 2024, she launched Hawks and Doves to cut through jargon and empower both institutions and individuals with capital markets fluency.We cover Morgaine’s career leap from corporate finance to entrepreneurship, her philosophy on financial literacy, and the role of storytelling in making markets relatable. She also shares candid insights from a decade inside the financial machine and her work with the Young Investor Society.Highlights from the episode:💼 From reception desk to heights of institutional finance - Morgaine’s unconventional finance career path📚 Why financial education needs both intellectual rigour and accessibility🎯 How to explain complex markets without oversimplifying them🌍 The problem of “assumed knowledge” in financial institutions and how to fix it🤝 Using capital markets fluency as a relationship-building superpowerIf you’re into finance education, career pivots, and real talk on markets without the jargon, this one’s for you.And if you haven’t already, make sure to subscribe to The Blunt Dollar for more raw and honest finance conversations.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Eric Jaffe, CEO of BCA Research, the world’s largest independent provider of macro investment research. We unpack Eric’s unconventional path from the Pentagon to GLG and now the helm of BCA, where he’s steering a 76-year-old firm into its next phase of growth, all while keeping that contrarian spark alive.We also dive deep into how macro shocks, geopolitics, and AI are reshaping the future of investment research, and why conviction matters more than ever.Here’s what we cover:🎯 Why BCA thrives on being anti-consensus, and how it helps investors sharpen their conviction🌍 Eric’s journey from the U.S. Department of Defence foreign affairs to building GLG into a global powerhouse, and now leading BCA📈 Why macro volatility is here to stay in a multipolar world, and what that means for your portfolio🤖 How BCA is carefully embracing AI while protecting its secret sauce, and even running internal “red teams” to test if AI could disrupt them🧭 The leadership playbook: fostering fierce internal debate without losing direction, plus Eric’s advice for young professionals on staying humble, curious, and growth-focusedIf you’re into global macro, independent research, and how AI is rewriting the future of decision-making, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Steven Grey, founder and managing principal of Grey Value Management, where he oversees the Grey Value Opportunity Fund.Steven’s career spans hedge funds, family offices, and global micro investing, and includes a stint launching Albright Capital with former Secretary of State Madeleine Albright. But beyond the accolades, Steven is a fiercely independent thinker who dives deeper into company research than most of Wall Street combined.We dig into what separates real investing from the illusion of it, why discipline and character still matter more than AI, and how storytelling and judgment shape markets far more than numbers alone.Here’s what we cover:📚 Why curiosity, not credentials, is the true edge in investing💼 How Steven’s 200-400 hours per company research process works🔍 The underrated role of judgment, ethics, and liberal arts in finance🧠 What he learned from Madeleine Albright, Jim Rogers, and a lifetime of doing the work📉 Why investors should always ask, “What am I missing?”,and how that question built his track recordIf you're into deep research, contrarian investing, and philosophy-driven capital allocation, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with David Stevenson, one of the UK’s most candid financial commentators. David writes the Adventurous Investor column for the Financial Times, runs a popular Substack, and is also the founder of ETF Stream. From his days as a BBC producer to sitting on multiple investment trust boards, David has a fascinating multi-decade career that straddles journalism, fintech, and asset management.We cover a ton of ground, including:📚 How David’s time at the BBC shaped his blunt, evidence-based approach to communicating finance💰 The problem with alpha, why many asset managers are “lazy,” and how the industry is becoming increasingly ossified📈 The rise of thematic ETFs and why European defence stocks have quietly outperformed everything in 2025🪙 Emotional assets, from wine to old coins and Chinese stamps, and why he’s cautious despite collecting them himself🤖 A sceptical take on AI in investing and why personal relationships still matter more than everIf you’re into ETFs, the future of asset management, and raw takes on financial media, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Manish Singh, Chief Investment Officer at Crossbridge Capital and a veteran global macroeconomist with nearly two decades of experience steering multi-asset portfolios. From his engineering roots in Mumbai to building an investment philosophy rooted in patience, trust, and historical perspective, Manish shares how he balances data-driven rigor with deep human insight.We explore:✅ The surprising ways an engineering background shapes investment thinking 🛠️✅ Why history, from the European revolutions of the 1800s to COVID panic, remains a critical guide for modern markets ✅ How Manish defines real risk (hint: it’s not volatility) and why position sizing is everything ✅ The psychological traps of herd behaviour, overconfidence, and chasing outcomes✅ Why falling in love with the process, not the outcome, is the ultimate edge in investingIf you’re into thoughtful discussions on long-term investing, behavioural finance, and how philosophy and history intersect with capital markets, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with one of the most prolific voices in the financial planning space: Jason Pereira. A financial planner, fintech strategist, professor, podcaster, and tireless advocate for professional standards, Jason joins Ignacio to talk through the present and future of financial advice.With over 750 pieces of content under his belt and multiple roles shaping the Canadian and global advisor landscape, Jason doesn’t hold back in this wide-ranging conversation on technology, regulation, and what it really means to serve clients in a world reshaped by AI.In this episode, we talk about:💼 Jason’s multifaceted career: financial planner, tech consultant, policy advocate🧠 The evolution of advice from stock picking to life planning🤖 Why AI will elevate, not replace, human advisors📉 What breaks in advisory firms and how to rebuild better🔥 The real problems with financial industry incentives and educationIf you’re into advisor tech, financial planning evolution, and unfiltered industry truths, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Vincent Kaufmann, CEO of the Ethos Foundation, a leading voice in sustainable finance and corporate governance in Switzerland. With over two decades at Ethos, Vincent shares an insider perspective on why active ownership matters, the real tools investors have to drive ESG change, and the fine line between meaningful impact and greenwashing. This is a masterclass on ESG from someone who's lived it from the inside.🎯 How shareholder engagement can push even giants like Nestlé and Holcim to adopt real sustainability targets📉 The hidden risks of passive investing and the concentration of voting power among the "Big Three"🌱 Why divestment alone isn't enough, and how fixed income markets can offer more pressure than equity🧠 Greenwashing decoded: Vincent's view on what real sustainable investing looks like (and how to spot a fake)🇨🇭 Swiss DNA in finance: How Switzerland’s consensus-driven model shapes Ethos’ dialogue-based approachIf you're into ESG, shareholder activism, or just want to understand how investors can shape corporate behaviour without sacrificing returns, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Elsa Razborsek joins The Blunt Dollar for a deep, nuanced conversation on nonlinear careers, women in finance, and the behavioural biases that shape both our portfolios and personal lives. From Goldman Sachs analyst to health coach and back to finance, Elsa’s journey is anything but typical, and it’s exactly that winding path that fuels her insights today.In this episode, we talk about:🔄 Career pivots and the power of nonlinear paths👩‍💼 Navigating visibility, ambition, and bias as a woman in finance🧠 Coaching insights on stress, burnout, and sustainable high performance📉 Behavioural finance: how sunk cost fallacy and blind spot bias derail decisions🧠 Why journaling, self-awareness, and dopamine matter more than spreadsheetsIf you're into investing, mindset, and the messy truth behind high-achieving careers, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, we sit down with Julia Carreon, a digital transformation powerhouse with leadership experience at Wells Fargo and Citi, to dissect the crossroads of finance, technology, and generational change. Julia brings her signature candor and deep industry knowledge to a conversation that spans everything from AI and gamification to social media misinformation and the trust crisis in banking.We explore what it truly takes to modernize wealth management for Gen Z and millennials, and why the clock is ticking for traditional players.🎯 Why big banks are struggling to keep up with Gen Z's expectations, and what’s at stake🤖 How AI and gamification could reshape financial education and advisory experiences📱 The role of influencers, TikTok, and social media in driving (and distorting) financial literacy💥 Personal stories of fintech failure and how they shaped Julia's views on trust and regulation🧠 The power of behavioral science and hyper-personalization to redefine client engagementIf you’re into AI in finance, the future of banking, and what it’ll take to win over the next generation of investors, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

Sustainable investing has gone from niche to necessary. But where is it headed next? In this episode, Ignacio sits down with Marina Severinovsky, Head of Sustainability for North America at Schroders, to unpack the shifting ESG landscape. Marina draws from two decades of experience in finance and sustainability to explain how investors can navigate today’s volatile mix of climate risk, political backlash, and growing demand for impact.Topics we cover:🌍 Why sustainable investing isn’t just about values—it’s about identifying long-term risk and opportunity💼 How institutional investors are redefining ESG integration across asset classes💣 The rise (and fallout) of ESG backlash—and why Marina sees it as a “necessary reset”📊 The trouble with ESG ratings and how Schroders builds proprietary sustainability models👩‍💼 Women in sustainable finance, and Marina’s unfiltered advice for building a career in ESGIf you’re into impact investing, long-term market trends, and no-BS insights into how sustainability really works in finance, this one’s for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode we dive deep into the engine room of sustainability, with a guest who has one of the most unique seats in the house.I sit down with Brian Matt, Head of Sustainability Advisory at the New York Stock Exchange, to unpack what’s really going on behind all the ESG headlines. With two decades of experience in investor relations and sustainability, Brian offers a rare dual lens into both investor expectations and corporate realities when it comes to sustainability strategy, regulation, and storytelling.In this candid and insightful conversation, we cover:🌱 How ESG has evolved from checkbox compliance to value creation📊 What asset managers actually look for in ESG disclosures🧑‍⚖️ Why fiduciary duty and political pressure are reshaping stewardship teams🏛️ How new regulations like CSRD and California climate rules are impacting listed companies📈 And why smaller public companies aren’t necessarily doomed in today’s ESG landscapeIf you like sustainability strategy, investor behavior, and behind-the-scenes capital markets insight, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, I sit down with Manuel Grenacher, a serial entrepreneur and founder of Unique, a company revolutionizing financial services with agentic AI. Manuel shares his journey from building startups in Switzerland to leading one of the most exciting AI-driven companies in finance today. We dive deep into how AI is reshaping the industry, where the biggest disruption opportunities lie, and why empathy remains irreplaceable by machines.Key topics we cover:🔹 What is agentic AI and how it goes beyond ChatGPT🔹 How Unique is helping financial institutions scale AI adoption🔹 The future of relationship managers in an AI-driven world🔹 Trust, hallucination scores, and responsible AI use in finance🔹 Why mid-sized banks could outperform the giants with AI🔹 The real-world use cases driving the fastest ROI today (KYC, investment insights, and due diligence)🔹 Manuel’s personal journey: from corporate comfort at SAP back to the startup grind🔹 How to stay relevant and thrive in a world where AI becomes a superpowerIf you like conversations about AI innovation, entrepreneurship, and the future of finance, this one's for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.

In this episode of The Blunt Dollar, Ignacio sits down with Marlena Lee, Global Head of Investment Solutions at Dimensional Fund Advisors. Marlena leads a 70-person team that bridges deep academic research with practical client education, helping investors navigate the complexities of markets, factor investing, and long-term portfolio construction.With a PhD from the University of Chicago Booth School of Business and experience working alongside Nobel laureate Eugene Fama, Marlena shares her unique insights into translating rigorous research into real-world investment strategies. We dive into her career journey, her biggest lessons from Fama, and how she’s helping advisors and investors make smarter decisions today.In this episode, we discuss:🔹 Lessons from working with Eugene Fama and simplifying complex ideas🔹 How Dimensional turns academic research into real-world investing strategies🔹 The critical role of storytelling and empathy in finance communication🔹 Redefining risk and the true meaning of diversification🔹 Why preparation beats prediction when dealing with market uncertaintyIf you're interested in market behavior, smart investing, or the art of financial storytelling, this episode is for you.Oh, and if you haven't already... subscribe to The Blunt Dollar for more raw and honest finance conversations.New episodes drop every other week! Available on Spotify, Apple Podcasts, and wherever you get your podcasts.And last, but not least, don't forget to follow me on LinkedIn: https://www.linkedin.com/in/ignacio-ramirez-moreno-cfa/Enjoy the episode!Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Listeners should consult a qualified financial professional before making any financial decisions.