This Time Is Different

This Time Is Different


Latest Episodes

Your Online Grocer "Randomly" Raises Prices
December 16, 2025

Instacart is testing different prices for the same basket of goods, sold from the same grocery store and at the same time. Algorithmic pricing is in your grocery cart. Ricky Mulvey and Malcolm Ethridge discuss: - Disney allowing its characters on OpenAI

Work From Home Is Dying. Investors Haven’t Noticed.
December 09, 2025

More than half of Fortune 100 companies have asked desk-using employees to come back to the office five days a week. But office REITs are not roaring back.Malcolm Ethridge and Ricky Mulvey discuss:- Cryptos downturn, and if it represents a bu

Retail is Nervous. Wall Street Isn’t. Why?
December 02, 2025

Retail investors are selling off risky assets, like Bitcoin, but the big institutional money is sitting tight.Ricky Mulvey and Malcolm Ethridge discuss:- The surprising number of high-income earners using Buy Now Pay Later.- Abercrombie & Fitch as a

How to Beat Financial Nihilism w/ Hanna Horvath
November 28, 2025

AI is propping up the economy. Homes arent affordable. You dont feel like youre making enough at your job. So what do you do?Hanna Horvath, CFP, writes the Substack Your Brain on Money and joined Malcolm and Ricky for a conversation about: - Ho

“The Market Needs a Good Spanking”
November 25, 2025

Some investors are rooting for a bear market. Are you?Malcolm Ethridge and Ricky Mulvey discuss:- Why a blowout Nvidia quarter does not impress investors anymore.- The big market delusion and artificial intelligence.- Why younger generations are

Warren Buffett Lives “The Baby Boomer Dream”
November 18, 2025

Hes retiring at age 95 as a multi-billionaire. Hes leaving his kids 1% of his fortune. And everyone is hanging on to hear his insight. Warren Buffett is truly living the Baby Boomer Dream.Malcolm Ethridge and Ricky Mulvey discuss:- Michael Burry shu

The Real Economics of Sports Betting
November 13, 2025

What happens when we put a financial planner and a mixed martial arts betting analyst in conversation?Cody Saftic is a mixed martial arts betting analyst, the co-host of Bookie Beatdown, and an MMA matchmaker. Cody joined Malcolm and Ricky to discuss:- Re

How to Invest with a Casino in Your Pocket
November 11, 2025

Why is Sam Altman getting heated about a simple valuation question?In the first half of the show, Malcolm Ethridge and Ricky Mulvey discuss- OpenAI CEO Sam Altmans surprising response to a question about his companys $1.4 trillion commitments.- A Big Sh

This Time Is Different Trailer
November 08, 2025

Long-form conversations that challenge the consensus thinking around markets, the economy, and your money.Hosted by Malcolm Ethridge and Ricky Mulvey

A Wave of Big Tech Layoffs
November 04, 2025

The economy is in a weird place. Nvidia added more than $600 billion in market cap in five trading days. Amazon cut 14,000 workers. AI is the reason for both.Malcolm Ethridge and Ricky Mulvey discuss:- Why Nvidia’s market cap continues to skyrocket.- Open