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In this episode of Money and You, Michelle Perkins sits down with international bestselling author and investing educator Robert Rolih to break down investing in a way that actually makes sense.
Robert shares the painful financial loss that changed the course of his life after trusting advisors and investment products that quietly drained his wealth through hidden fees and risky strategies. That experience launched a deep journey into financial literacy, investing, and long-term wealth building that has now helped thousands of investors across more than 70 countries.
Together, Michelle and Robert discuss:
- The hidden danger of investment fees
- Why ETFs are often a smarter choice than high-fee mutual funds
- How emotions and “herd mentality” impact investing decisions
- The psychology behind buying when others are fearful
- How AI tools like ChatGPT can help investors ask smarter questions
- Bitcoin, gold, diversification, and long-term investing strategy
- Why simplicity often outperforms complexity in investing
Robert also shares one of the most powerful lessons from his book:
“Love risk when making money. Hate risk when investing money.”
If investing has ever felt overwhelming, intimidating, or overly complicated, this conversation will help simplify the fundamentals and empower you to think more clearly about building wealth over time.
In This Episode We Covered:
- Financial literacy
- Investment fees explained
- ETFs vs. mutual funds
- Long-term investing
- Bitcoin investing
- Investing psychology
- Fear & greed in the market
- AI and personal finance
- Diversification strategies
- Wealth building fundamentals
Memorable Quotes
“Our brains are not built to understand the long-term effect of small fees that compound every year.” — Robert Rolih
“People are drawn to the next shiny object in investing.” — Robert Rolih
“Love risk when making money. Hate risk when investing money.” — Robert Rolih
Resources & Links
Learn more about Robert Rolih and access his free investing masterclass:
- Robert Rolih Official Website
- The Million Dollar Decision on Amazon
Timestamps
- 07:00 — Robert shares how he lost most of his money trusting advisors
- 09:00 — The Brian Tracy conversation that changed everything
- 12:30 — The hidden danger of investment fees
- 14:50 — ETFs vs. mutual funds explained simply
- 18:45 — Using AI tools to understand your investments
- 26:30 — Herd mentality and emotional investing decisions
- 29:00 — Robert’s Bitcoin investing strategy
- 33:45 — Why ETFs are enough for most investors
- 35:45 — Gold, Bitcoin, bonds, and portfolio balance
- 39:15 — Why fear in the market can create opportunity
- 41:50 — Robert’s most important investing philosophy
For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…
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