In this episode of Only Finance, Minh Vo sits down with John Osborn PhD, CFP® , CFS, ChFC, BCS, AIF for an annual market update and outlook for the year ahead. After a relatively mild year where markets came in slightly below expectations, Minh and John break down what investors should be watching next. They explore whether the U.S. economy may follow a similar earnings pattern this year and discuss the key forces shaping the market. Topics in this episode include: Whether the market is headed for a melt-up or melt-down If interest rates will remain stable and why historically low rates were likely an anomaly Why rates returning to 3% may not be realistic in the near term How stock buybacks are reducing the number of publicly traded shares Why mergers and acquisitions could increase this year How AI tools are helping everyday investors analyze complex financial decisions The potential impact of new tariffs on markets and the broader economy Whether this year could resemble last year — and if it could still end as a positive year for investors Join Minh and John as they share insights, perspective, and what they’re watching as the new year unfolds. Tune in to the latest episode of Only Finance to hear the full conversation.