When today's guest was on this program back in September, he predicted the market would start to become more volatile. He didn't necessarily think that would mean lower stock prices into the end of 2024. And he was proven correct. But he did express worry that as we entered 2025, continued higher volatility could start to become a problem for investors. Does he still think that? To find out, we welcome back to the program Cem Karsan, Founder, CIO, and Managing Principal of Kai Volatility Advisors, widely known as @jam_croissant on X/Twitter. Follow Cem at https://www.kaivolatility.com/ and http://kaiwealh.com/and https://kai-nexus.com/ WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com