🎉 Welcome to the 400th episode of Money On Tap. Nine years. Four hundred conversations. To celebrate, the first four callers to 855-226-8551 each get their pick from four pieces of MOT swag. Phone calls only — email won't count.This week, Ben Brayshaw and Dan Michelon close The Railroads of… trilogy with the one that may make all the rest run faster: quantum computing.What you'll learn:<br /><ul><li>What a qubit actually is — and why "both 0 and 1 at once" changes everything</li><li>The three investable layers: cloud platforms · hardware (semis &amp; cryogenics) · software</li><li>The four pure-play names: Rigetti (RGTI), IonQ (IONQ), D-Wave (QBTS), Quantum Computing Inc. (QUBT) — and what their +250% to +5,700% trailing moves really mean</li><li>The four big-tech quantum plays: IBM, Alphabet, Microsoft, Amazon</li><li>The four ETFs to research: QTUM, ARKQ, BOTZ, ROBO</li><li>The barbell approach for taking speculative exposure without betting the farm</li><li>Why the honest timeline says mid-2030s — and the energy problem nobody's talking about</li><li>How space, robotics, and quantum intersect — and why the railroads series mattered</li></ul>Plus Money In The News:<br /><ul><li>Spotify and Peloton team up on a global fitness content hub</li><li>The AI splurge is costing big tech its workforce — Oracle plans to cut 40% of its workforce</li><li>Have software stocks reached the extreme washout yet? (And what the "SaaS-pocalypse" means for the next 12 months)</li></ul>Read the companion blog: <a href="https://www.brayshawfinancial.com/blog" target="_blank" rel="noreferrer noopener">brayshawfinancial.com/blog</a><br />Schedule a free consultation: <a href="https://app.greminders.com/t/9f3ce72e/initialconsulta" target="_blank" rel="noreferrer noopener">app.greminders.com/t/9f3ce72e/initialconsulta</a><br />Full Money On Tap episode library: <a href="https://www.brayshawfinancial.com/money-on-tap" target="_blank" rel="noreferrer noopener">brayshawfinancial.com/money-on-tap</a>Contact Us<br />Phone: 855-226-8551<br />Email: [email protected]<br />Office: 116 South River Road, Bedford, NH 03110<br />Web: brayshawfinancial.com<br /><br /><ul><li>What is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you’re beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.</li></ul>