In this episode of Money & Meaning: Perspectives, host Jeff Bernier explores the tension between recognizing serious economic headwinds—such as massive government debt, rising interest rates, and a shifting global financial system—and maintaining a posture of rational optimism. Drawing on insights from Howard Marks, Brian Westbury, Matt Ridley, Mion Tuby, Gail Pooley, and Nick Murray, Jeff examines how to address sobering realities while staying committed to progress, resilience, and long-term investing. It’s a call to balance—informing your perspective without letting fear dictate your financial or life decisions.   Topics covered: ● The reality and risks of rising U.S. government debt and higher interest costs ● Howard Marks’ concerns about ignoring economic fundamentals ● Brian Westbury’s warning on government crowding out private innovation ● Foreign demand for U.S. debt and potential consequences of decline ● The psychological trap of pessimism in investing and life decisions ● Matt Ridley’s framework for rational optimism ● Data from Superabundance on human progress and resource abundance ● Nick Murray’s reminder to “own the future” through consistent participation ● The role of resilience in both economies and investment portfolios ● Diversification as a tool for emotional and financial stability ● Practical ways to stay informed without becoming paralyzed by fear   Useful Links:   Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/