Jake Claver Live Q&A on Bitcoin, Ethereum, XRP & Wealth Strategies | Crypto Podcast Digital Assets Deep Dive

Jake works through how an options contract written against escrowed XRP would actually settle, and what it takes to move XRP out of a taxable estate. Also covers CFTC oversight of crypto derivatives and holding XRP from outside the US. In this episode Options contracts written against XRP released from escrow Gifting into an irrevocable trust, and what leaves your taxable estate Where CFTC oversight of crypto derivatives is heading Structuring and holding XRP from outside the United States ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Why banks that have to issue stablecoins at scale end up needing an on-chain settlement asset, and what that does to demand. Also covers bond yields, where Tether sits under regulated issuance, and the case for XDC, XLM and HBAR. In this episode Why bank-to-bank stablecoin settlement needs an on-chain bridge What bond yields signal about the timeline Where Tether stands if regulated issuance scales Holding XRP ETFs inside a Roth IRA or a 401k ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Which XRP Ledger amendments have to pass before the network can support institutional lending natively, and how that lines up with a reverse carry trade unwind. Also covers holding ETFs inside an IRA. In this episode XLS-65 single-asset vaults and XLS-66 institutional lending What a liquidity crisis would mean for on-chain settlement Holding XRP ETFs in an IRA versus holding the asset itself Gifting XRP into cold storage for family ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Whether the Senate calendar allows the CLARITY Act through this session, and what energy export policy has to do with it. Also covers Wyoming entities and Anchorage custody. In this episode The Senate calendar, and the odds on the CLARITY Act Energy exports as leverage, and the effect on bond yields Structuring an existing operating business alongside XRP Wyoming entities and institutional custody ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Where AMM depth on the XRP Ledger sits today, what would deepen it, and how the IMF could enter the picture if Japan needs help. Jake also takes the bear case head on. In this episode AMM depth on the XRPL, and what would increase it How the IMF could become involved with Japan The domino theory, laid out step by step Why XRP was left out of a major index ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

A short session on the mechanics of listing a cold wallet on the capital contributions page of an LLC, and what to do when an exchange offers no business accounts. Also covers Japan and the CLARITY Act. In this episode Listing a cold wallet as an LLC capital contribution Buying on a personal account when there is no business option Japan's turning point, as Jake reads it Where the CLARITY Act stood that week ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Why Jake reads an AI-driven selloff as a net benefit for XRP through capital rotation, and whether a reverse carry trade unwind would arrive in layers or all at once. Also covers T+0 settlement. In this episode Capital rotation if the AI trade unwinds Whether the unwind comes in layers or all at once T+0 settlement, and which network takes the volume Estate planning questions from the audience ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Jake's estimate of how little XRP actually changes hands on the open market each day, and why that matters once institutions arrive. Also covers Anchorage custody and the next Fed and BOJ meetings. In this episode How much XRP is genuinely liquid day to day What to watch at the next Fed and BOJ meetings Anchorage custody, and whether Ripple serves retail The S-1 filing question ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Why the DTCC moving to extended settlement hours did not produce the catalyst people expected, and what would. Also covers swapping XLM into XRP, and where Stellar's path differs. In this episode Why DTCC extended hours did not act as a catalyst Swapping XLM into XRP, and the tax question attached to it Where Stellar's partnerships differ The CLARITY Act timeline as it looked that week ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

What has to be true, in liquidity terms, before a single asset could settle the back end of both SWIFT and the DTCC. Also covers the OCC guidance still outstanding on stablecoins, and Japan. In this episode The liquidity needed to settle SWIFT and DTCC volume The OCC stablecoin guidance still outstanding Where Stellar fits alongside XRP Japan, and what a coordinated announcement would look like ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

The argument that large institutions would fund Bitcoin and Ethereum positions through XRP and move them across the XRP Ledger, and what that would do to demand. Also covers gold and SWIFT. In this episode Wrapping and routing Bitcoin and Ethereum over the XRPL Where liquidity would move first Gold's role alongside digital assets Japan and the CLARITY Act, as they stood ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

What a BIS tier one designation would mean in practice, and which crypto firms now hold OCC bank charters. Also covers cross-margining through Ripple Prime, the DTCC, and quantum risk. In this episode What a BIS tier one designation would change The OCC bank charters issued to crypto firms Cross-margining and FX settlement through Ripple Prime Quantum risk, and how far off it actually is ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

How to follow Ripple's monthly escrow unlock on-chain and see where the released XRP actually goes, plus what the expected BIS designations for the major assets would mean. In this episode Following an escrow unlock on XRPScan, wallet by wallet The BIS designations expected for Bitcoin, Ethereum, Solana and XRP Where to find the BIS source material Stablecoin supply, and what it signals ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Whether tokenized stocks land on Stellar or the XRP Ledger, and what each network is actually built for. Also covers the rate path, and what an aggressive move from the Fed or the BOJ would change. In this episode Whether tokenized stocks settle on XLM or on XRP What an aggressive rate move would change Basis points, and how to read the BOJ Charitable trusts as a planning tool ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

The DTCC moving to T+0 and SWIFT moving to real-time settlement, both piloting on the same date, and what that timeline implies. Also covers quantum risk to hardware wallets and cold storage practice. In this episode DTCC T+0 and SWIFT real-time settlement pilots on the same day How far off quantum is from being a real threat to a hardware wallet Whether banks issue a cash-backed crypto product Cold storage habits, and where people get them wrong ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

A viewer asks whether to take the penalty and roll a 401k into crypto, and Jake works through why that maths rarely favors you. Also covers Bitcoin's setup, gold, and where XLM sits. In this episode Taking the penalty on a 401k to buy crypto, and why the maths is unkind Bitcoin's setup, and who is buying it here Gold alongside digital assets Where XLM and XDC sit in the stack ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

The honest comparison between holding your own cold wallet and using institutional custody, including what each protects you from. Also covers escrow option redemptions, gifting, and seed phrase practice. In this episode Cold wallet versus institutional custody, and what each actually protects Redeeming pre-negotiated options as XRP leaves escrow Seed phrase handling, and the mistakes that cost people Gifting into an irrevocable trust ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

Whether the JPMorgan and Mastercard pilots show that XRP can be sidestepped, and Jake's answer on what those pilots actually settle. Also covers a 2014 IMF paper on exchange rate pegs, and Flare. In this episode Whether the JPM and Mastercard pilots sidestep XRP The 2014 IMF paper on an exchange rate peg Flare, and what it adds to the XRP ecosystem How often a settlement asset can be reused in a day ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

What would actually have to be in place for one asset to settle the back end of the stock market, in liquidity and custody terms. Also covers the BIS, tokenization, and Tether's position. In this episode What back-end settlement of the stock market would require The BIS designations, and what they would change Tether's position if regulated issuance arrives Foreign currency handling through a custody account ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

R3 moving to Canton, what that means for where tokenized assets actually settle, and why the settlement layer matters more than the issuance layer. Also covers cold wallet security and XDC. In this episode R3, Canton, and where tokenized assets settle Why the settlement layer matters more than the issuance layer How a cold wallet gets compromised, step by step Where XDC fits alongside the XRPL ———————————————————— 🔔 Join the private community: https://www.beyondbroke.com Use code BEYONDBROKE1MO for a discounted trial. 🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation 📜 Crypto living trust & estate planning → https://dag.com/private-client/enhanced-estate-plan 👥 Beyond Broke private community → https://www.beyondbroke.com 🔒 D'CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj 🔗 All my socials & newsletter → https://jakeclaver.com/links ⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.