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Do you get overwhelmed with insurance policies? Are you interested in learning about the different types of insurance? On the show, RiskProNet starts the conversation about insurance and risk management. RiskProNet is a network of independent insurance agencies who serve individuals and corporations with extensive industry knowledge. Follow the show to get an in-depth look at insurance and risk assessment. If you want to learn more about RiskProNet, visit their website at riskpronet.com.
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Make Me Smart

Marketplace

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Each weekday, Marketplace’s Kimberly Adams makes today make sense along with her Marketplace colleagues, breaking down happenings in tech, the economy, and culture. Because none of us is as smart as all of us.
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From LAist Studios, the creators of The Big One, the second season of The Big Disaster series will provide you with a wildfire survival guide that includes not just tangible safety tips — but hope for our future. As the world enters a new age of wildfires, science reporter Jacob Margolis hosts Season 2: The Big Burn, a deep dive into personal stories that illuminate the history of how we got here, why we keep screwing things up, and what we can do to survive and maybe even thrive while the w ...
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor, Mahesh, Santi, and Jason are joined by Amir Haleem of Helium to explore the evolving landscape of decentralized networks. They dive into Helium’s impressive revenue growth - from $400K to $2.7M per month - driven by its mobile subscriber base, and discuss the complexities of blend…
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The economic position of the baby boomer generation has long been the envy of younger ones in the United States. But the tides may be turning as the Trump administration seeks deep cuts to social benefits that older Americans rely on. We’ll get into it. And, Kimberly joins the show from the National Press Club in Washington D.C., to make us smarter…
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More than 100 years after the Tulsa Race Massacre, the Oklahoma city’s mayor recently announced a $105 million reparations package to address the Massacre’s lasting impact. Marketplace’s Mitchell Hartman joins us on the show today to explain how we got here, and more from his reporting on economic injustice in Tulsa’s Greenwood neighborhood. Plus, …
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President Trump announced a new trade deal with China after days of negotiations. Here’s the thing: Trump’s tariffs on China will stay the same. So what did the two countries actually agree to? We’ll get into it. And, after Health Secretary Robert F. Kennedy Jr. fired a panel of experts that advises the Centers for Disease Control and Prevention on…
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For decades, going to college has been seen as a reliable path to good jobs and economic success in the United States. But a recent Indeed survey reported that over half of Gen Z respondents beg to differ. As tuition prices continue to rise and the Trump administration takes aim at higher education institutions, is the way we view college changing?…
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President Donald Trump deployed California National Guard troops to Los Angeles on Sunday, following demonstrations over the weekend protesting the Trump administration’s immigration crackdown. The decision was made without California Governor Gavin Newsom’s approval, and the state is now suing the “illegal and immoral” move. We get into all the po…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor speaks with Tom Trowbridge, co-founder of Fluence Labs and host of the DePIN Day & DePINEd Podcast about the evolving world of decentralized compute platforms and the broader DePIN ecosystem. Tom explains how Fluence operates as a “cloudless” service—open, resilient, and more cost-…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor speaks with Yumin, founder of Galxe, a crypto project focused on onboarding users through learning and earning rather than purchasing. They explore Yumin’s early experiences with technology in 2000s China, the evolving landscape for elite students, and the growing emphasis on innov…
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Luis Rivera of Solutions 21 joins host Chip Arenchild to explore the real challenge facing independent insurance agencies: developing the next generation of leaders. From military insights to succession planning analogies, this episode uncovers how brokerages can address generational shifts, preserve institutional knowledge, and build leadership at…
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From our sponsor: Imagine if you could ask someone anything you wanted about their finances. On “What We Spend,” people from across the country and across the financial spectrum are opening their wallets — and their lives — to tell you everything: What they make, what they want, and — for one week — what they spend. “What We Spend” is available whe…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor and Sal spoke with Mateusz Poreda and Niko Cunningham, co-founders of Rumi, a company reimagining media consumption through contextually aware AI agents that enhance viewer engagement. Niko shared how his upbringing in Detroit sparked his passion for technology, while Mateusz discu…
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Hey Smarties! Make Me Smart is taking a short break while Kimberly and Reema cook up something good for you! In the meantime, we’re bringing you an episode from “Financially Inclined” a podcast from Marketplace that helps families learn more about money. It turns out where you park your money can actually make a difference in the fight agains clima…
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It’s Kai’s last day as a regular co-host of “Make Me Smart” and he’s got a solid rant (and two bleeps). We’ll get into the Trump administration’s push to block international students at Harvard, thretening one of American’s biggest exports: higher education. Plus, we’ll unpack the Supreme Court’s 4-4 split over a separation of church and state case…
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The Senate unexpectedly passed the No Tax on Tips Act, one of President Trump’s many campaign promises. We’ll explain what’s actually in the bill and where it goes from here. Plus, the Trump administration has officially accepted a $400 million luxury jet from Qatar for use as Air Force One. We’ll get into the grift of it all. Plus, one man’s searc…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor speaks with Chris McCabe and Kee Jefferys, co-founders of Session, a decentralized messaging platform that prioritizes user privacy and security. They discuss how Session enables communication without requiring phone numbers, stores no user data, and uses client-side key generation…
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Things aren’t looking so good for the U.S. dollar. Though it’s spent decades as the world’s reigning reserve currency, it’s been weakening lately thanks to tariffs and uncertainty in the U.S. economy. But its declining value, has been in the making for a while, according to Harvard economist and author of the new book, “Our Dollar, Your Problem,” K…
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Walmart had said it would raise prices in response to tariffs. Then, it got a call from the White House. Now, the retailer says it will swallow some of the costs. This has us wondering: where have all the free market diehards gone? Plus, Kimberly reflects on the tornadoes that hit her hometown of St. Louis, Missouri and explains FEMA’s plan to shif…
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On today’s show, Kai makes a special annoucement! But first, Moody’s knocked the United States’ government’s credit rating down a peg below Triple-A. We’ll break down what that actually means and why it may not be as dire as it sounds but still matters a lot for the vibes. Plus, we’ll explain why, even with a majority, the House GOP hasn’t been abl…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage In the inaugural episode of the DePIN Roundtable, Connor Lovely is joined by Santiago R Santos, Mahesh Ramakrishnan, and Jason Badeaux to explore the evolving world of decentralized physical infrastructure networks. They reflect on Bitcoin’s foundational role, early model flaws, and growi…
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In today’s show, Kimber-Kai are answering your questions about all the wild things going on in the U.S. economy. Isn’t the 30% tariff rate on China still crazy high? And, how are local governments preparing for potential federal funding cuts? We’ll discuss how states are weighing their next moves, and how the “Trump Slump” has taken shape in Califo…
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On today’s show, Kimberly continues to make us smart about the GOP’s massive tax bill. This time, we’re digging into a small (but important) detail buried in the bill that could have enormous consequences for the regulation of artificial intelligence: a clause that would block states from enforcing AI laws for ten years. We’ll break down what’s at …
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Today we’re ditching the drama on Earth and talking about K2-18b, an exoplanet 120 light-years away. K2-18b recently made headlines after researchers claimed to observe possible “signs of life” in the planet's atmosphere. So, did we find aliens? Michaela Musilova, an astrobiologist and analog astronaut, said it’s too early to tell. On the show toda…
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House Republicans’ newly released tax plan includes trillions in tax breaks. But those tax cuts will come at a cost. We’ll get into it. And, Apple plans to raise iPhone prices but won’t point fingers at President Trump’s tariffs. We’ll unpack how all the tariff chaos could lead to elevated prices, no matter what they actually cost companies. Plus, …
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As the Trump administration heads into a weekend of trade talks with Chinese officials, the President is floating a new tariff rate on Chinese imports: 80%. While it’s much lower than the current tariff rate of 145%, it’s still far too high for many businesses. We’ll get into it. And, a recent legal win for Epic Games could shake up Apple’s App Sto…
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Following Trump’s so-called “Liberation Day” tariffs, the United States has now struck a trade deal (sorta) with the United Kingdom. We’ll get into it. Plus, childcare costs a lot – and in some places, more than rent. Then, we’ll smile at the unexpected joy of “swole culture.” And what if, instead of sports metaphors, we used makeup lingo at work? …
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On today’s episode: Marketplace’s Reema Khrais joins Kimberly to discuss two stories from opposite ends of the housing spectrum – cuts to rental assistance programs and the soaring cost of starter homes. Then, Kimberly explains yet another reason why the rest of the world is giving the U.S. major side-eye. And we’ll smile about a slimy substance th…
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So far, President Trump’s “drill, baby, drill,” agenda has proven to be a sharp turn from Biden-era climate initiatives, including the landmark spending bill the Inflation Reduction Act (IRA). And thanks to President Trump’s attempts to claw back control over IRA funds, as well as his recent budget proposal which drastically cuts climate spending, …
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor welcomes back Alireza Ghods, co-founder of Natix, to discuss a major milestone for the company. Alireza announces a game-changing partnership with Grab, Southeast Asia’s leading super app—a strategic alliance that positions Grab as a key data customer for Natix’s VX360 product whil…
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The Trump administration is hoping tariffs will spur companies to bring manufacturing back to the United States. But a new survey from the Federal Reserve Bank of Dallas found that most companies are planning to deal with tariffs another way. (Spoiler alert: we totally saw this coming!) We’ll also discuss how the Department of Homeland Security is …
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On today’s episode, Kimberly joins "Economics on Tap" from the Toronto airport. We’ll unpack President Trump’s elimination of a tariff loophole known as the de minimus exemption that went into effect today, meaning low-cost shipments will no longer enter the United States tariff-free. Without it, Americans could start to feel some serious tariff pa…
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This week, President Trump acknowledged his tariffs were resulting in costlier items in the U.S., but maintained his position that China was taking the majority of the heat. If people can’t afford to buy as much, might that be a recipe for recession? We’ll discuss, and answer a listener’s question on what exactly is a recession. Plus, how uncertain…
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The Commerce Department reported the U.S. economy contracted by 0.3% in the first quarter of this year. We’ll break down the GDP math formula and dig into what the latest report says about where the US economy may be headed. And, should businesses be transparent about the impact of tariffs on prices? A nixed plan from Amazon serves as a cautionary …
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After declaring victory in yesterday’s Canadian election, Prime Minister Mark Carney said the “old relationship” with the United States is over. Over the past few months, President Donald Trump’s on-and-off tariffs and repeated annexation threats have caused Canadians to reconsider the United States as its leading trading partner and ally. But Patr…
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On the show today, Kimberly joins us from an Ontario polling station on Canada’s election day. We’ll get into how President Trump’s trade war has shaped the federal election and may boost voter turnout. Plus, what Canadians are saying about boycotting American products and canceling their U.S. vacations. Here’s everything we talked about today: "Ca…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor and Sal spoke with Michael Cho about the future of robotics and AI, highlighting his projects FrodoBots and the new BitRobot network. Michael explained the challenges of testing embodied AI in the real world and introduced the idea of cross-embodiment—training models using data fro…
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Americans expect inflation to rise to 6.5% this year according to the University of Michigan’s latest consumer sentiment survey. That’s the highest outlook since 1981. We’ll explain why those high inflation expectations could be keeping Federal Reserve Chair Powell up at night. And, the deal filmmaker Ryan Coogler made with Warner Bros. to make his…
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Today, we’re answering questions from our listeners about everything going on in this economy (we know, it’s a lot). Like, whatever happened to that bipartisan bill that would pass authority over tariffs back to Congress? We’ll get into the status of the legislation and how states are jumping into the fight. Plus, we’ll discuss the legality of the …
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The Overton Window is a concept that helps explain how the range of policies considered politically acceptable shifts over time. But have you heard of the “Ryssdal Window"? We’ll explain how it relates to what’s happening in the markets right now as president Trump hints at a possible change of heart on China tariffs. Plus, the FDA suspended a milk…
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Hey Smarties! Today we’re sharing an episode from our friends over at “How We Survive,” Marketplace’s climate solutions podcast. This season, host Amy Scott and the team dig into the rise of environmental, social and governance-based investing, or ESG, and the right wing backlash that followed. In this episode, the story of ESG’s start revolves aro…
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Yes — Obamacare is before the Supreme Court, again. This time, the case centers on the legality of an advisory task force. Experts worry it could spell the end of an ACA mandate requiring insurers to cover certain preventative care services at no cost. But first: Secretary of Defense Pete Hegseth is caught up in another Signal group chat scandal. P…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor sits down with Anna Kazlauskas, co-founder of Vana, to explore the intersection of AI and user-owned data. They discuss the resurgence of the crypto scene in San Francisco, fueled by advancements in AI, and the impact of DeepSeek on model training efficiency and data privacy. Anna …
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Stop us if you’ve heard this before: We’re in an unprecedented economic moment. But this time really is different. America’s place in the global economy is shifting. And what happens next is going to matter for businesses, consumers and you. Today, Kai Ryssdal’s popping into your feed with special coverage and reporting from Marketplace to help you…
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Undocumented workers aren’t the only immigrants being targeted by the Donald Trump administration. Green card holders are facing deportation threats as well. We’ll discuss the far-reaching implications of Trump’s immigration crackdown, from the labor market to higher education in the United States. Plus, what Kilmar Abrego Garcia’s deportation case…
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In over a hundred years, no president has ever fired the chair of the Federal Reserve … yet! President Donald Trump says he could show Jerome Powell the door, even though Powell says he’s not going anywhere. We’ll explain why it might all come down to the Supreme Court. Plus: the economic conditions that led to the American Revolution. And, a smile…
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Since President Donald Trump took office, his administration has ignored court rulings on a range of issues from press access to deportations. Now, a federal judge might hold him in criminal contempt of court. We’ll unpack the Zeno’s paradox of constitutional crises. Plus, where luxury goods actually come from and why you may want to think twice be…
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Happy Tax Day, folks. While you’re hitting “Submit” on your returns, lawmakers in Washington are negotiating over what next year’s Tax Day could look like. Congress is aiming to pack President Donald Trump’s promised tax cuts into one behemoth reconciliation bill. But Caitlin Reilly, tax and economics reporter at CQ Roll Call, said there’s a long w…
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Nearly a decade after Brexit, the British economy is still feeling the fallout. Now, President Donald Trump seems to be pulling from a similar playbook — with tariffs that could reshape the U.S. economy in eerily familiar ways. (Shocker, we know!) But first: Trump threatens to send Americans to prisons in El Salvador. The constitutional crisis alar…
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Follow Proof of Coverage Media: https://x.com/Proof_Coverage Connor chats with Rob Solomon, co-founder of DIMO, about the project’s steady evolution through the crypto market’s ups and downs. Rob explains how DIMO enables cars to access and share their data securely—unlocking use cases like EV owners monetizing charging data via carbon offsets. The…
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Amid this week’s tariff turmoil, U.S. stocks tumbled, U.S. Treasurys sold off, and the U.S. dollar weakened. Kai explains what this triple sell-off could mean for the future of the American economy. And, is the era of cheap stuff in America over? Donald Trump administration officials are arguing it’s a good thing. We’ll get into it. Plus, we’ll wei…
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Today, it’s all YOU! We’re diving into the mailbag to play your voicemails, read your comments, and answer your questions after a wild week of tariff insanity. We’ll hear from YOU on how you’ve been riding the economic uncertainty. Plus, is Trump’s tariff pause, really a pause? And a listener shares what it’s been like teaching elementary students …
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