Financial Revelations

Welcome back to another episode of Financial Revelations – Sin of Retirement™ with David Szafranski! This week, David shares exciting updates from Nativos USA, where the missions boat Liberty is serving deep in the Amazon jungle alongside a nonprofit organization bringing more than 100 doctors and dentists to provide life-changing medical care to indigenous communities. If you'd like to learn more or support this incredible mission, visit nativosusa.org. David also provides an update on his book, The Sin of Retirement™. A small group study guide and companion workbook are currently in development, making it easier than ever for churches and groups to study the book together. Stay tuned for more details, and visit sinofretirement.com for the book, merchandise, and updates. In this week's financial discussion, David breaks down Federal Reserve Chairman Kevin Warsh's second Fed meeting, where interest rates remained unchanged. He discusses why he believes this signals a less interventionist Federal Reserve that allows markets to function more naturally. David also shares his thoughts on inflation, energy prices, and why he believes Chairman Warsh's long-term leadership will benefit the economy, even as former Chairman Jerome Powell remains on the Fed Board. The episode also covers recent testimony from Dr. Anthony Fauci, including his repeated invocation of the Fifth Amendment and David's perspective on the broader implications. Finally, David discusses ongoing tensions involving Iran and why he believes geopolitical developments remain one of the biggest obstacles to a sustained market rally. Have a financial question or want David and his team to review your portfolio? Email Kory@epsf.com. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – Sin of Retirement™ with David Szafranski!

Welcome to Financial Revelations – Sin of Retirement™ with David Szafranski! If you or your church are interested in serving on a future mission trip to the Amazon, visit www.nativosusa.org to learn more about opportunities to help provide clean water, build churches, and share the Gospel with remote communities. David is also available to speak to churches, businesses, and organizations on topics including leadership, money management, and the relationship between faith and finances. To schedule a speaking engagement, contact Kory@epsf.com. David's book, The Sin of Retirement™, is available at www.sinofretirement.com, where you can also find official merchandise. The book is also available on Amazon and as an audiobook on Audible. In This Week's Financial Update David discusses the ongoing conflict involving Iran and why investors should remain patient rather than overly optimistic about a quick resolution. He shares his perspective on how geopolitical uncertainty continues to influence oil prices and explains why elevated energy costs have coincided with depressed stock prices. David also comments on recent actions by the Houthi rebels and what those events could mean for global markets. Listener Questions This week, David answers several questions submitted by listeners, including: What happened to the radio show you were on? What are your thoughts on the Trump Account for kids? Is artificial intelligence going to replace—or even threaten—us? What do you think about SpaceX as a company and investment? Have a financial question or would you like David and the team to review your portfolio? Email Kory@epsf.com. Follow David on X (formerly Twitter): @skibucks1 To learn more about the Amazon well drilling project or support the mission, visit: https://nativosusa.org You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – Sin of Retirement™ with David Szafranski!

Welcome to Financial Revelations – Sin of Retirement™ with David Szafranski Discover David Szafranski's book, The Sin of Retirement™, and browse official merchandise at www.sinofretirement.com. The book is available in paperback through Amazon and as an audiobook on Audible. The Sin of Retirement™ challenges the traditional view of retirement and encourages readers to live a life of purpose, stewardship, and lasting impact. If you would like David to speak at your church or organization about retirement, money management, or biblical stewardship, please contact Kory@epsf.com for more information. Our next Nativos mission trip to the Amazon is scheduled for April 2, 2027, and the trip is already full! If you would like to support the mission, please visit www.nativosusa.org. If you or your church would like more information about organizing a future mission trip, email MelissaM@epsf.com. In This Week's Financial Update David discusses the latest developments in the Middle East, noting that while military activity involving Iran continues, the oil markets have remained relatively stable. Instead of reacting to geopolitical headlines, the markets have been focused primarily on corporate earnings. David also shares his thoughts on SpaceX following its IPO. Although the stock is currently trading below its IPO price, he remains optimistic about the company's long-term outlook and continues to view it as an attractive opportunity for growth-oriented investors. As always, speak with your financial advisor to determine whether an investment is appropriate for your individual situation. Viewer Questions This Week David answers several questions submitted by listeners, including: Leasing versus buying a vehicle Electric vehicles (EV) versus internal combustion engine (ICE) vehicles Roth IRA versus Traditional IRA The Trump Account for children—and why David believes it's an absolute yes Trump Account versus a 529 college savings plan If you would like David and the team to review your portfolio or answer your financial questions, please contact Kory@epsf.com. Thank you for listening to Financial Revelations – Sin of Retirement™ with David Szafranski!    

Welcome to Financial Revelations–Sin of Retirement™ with David Szafranski

Happy 4th of July  Welcome to Financial Revelations with David Szafranski! As we celebrate Independence Day weekend, David has two simple reminders: be safe with fireworks and take a moment to appreciate how blessed we are to live in the United States. It's a great time to reflect on the freedoms and opportunities we enjoy while spending time with family and friends. In this episode, David discusses the latest economic news. The recent jobs report came in a little weaker than expected, easing concerns about any potential interest rate hikes. He also shares encouraging news that fuel prices are continuing to trend downward. From all of us at Financial Revelations, we hope you have a safe, enjoyable, and memorable Fourth of July weekend! A special thank you goes out to Howard and Judy for their generous support of Nativos and the Amazon boat fuel ministry. Your partnership is making a real difference in reaching communities throughout the Amazon. If you would like David and the team to review your portfolio, email Kory@epsf.com for more information. We're also continuing to support mission work throughout the Amazon. To learn more or make a contribution, please visit www.nativosusa.org. David is the author of The Sin of Retirement, which explores how traditional retirement thinking may be preventing people from achieving true financial freedom and purpose. The book is available in paperback, ebook, and audiobook formats.

Welcome to Financial Revelations with David Szafranski! It's been an exciting 10 days in the markets. SpaceX finally went public, generating significant excitement among investors. After an initial surge in price, the stock leveled off, reminding investors of an important principle David often emphasizes: think long term. Successful investing is built on patience, discipline, and maintaining a long-term perspective. In other news, we remember the life and legacy of Alan Greenspan, who passed away at the age of 100. Greenspan served as Chairman of the Federal Reserve from 1987 to 2006 and played a significant role in shaping monetary policy during a period of tremendous economic growth and change. David reflects on Greenspan's reputation as a solid economist who generally favored limited intervention and avoided political entanglements. If you would like David and the team to review your portfolio, email Kory@epsf.com for more information. We're also continuing to support mission work throughout the Amazon. To learn more about Nativos or contribute to their efforts, please visit www.nativosusa.org. We are currently seeking partners interested in helping provide ongoing monthly fuel donations to support mission activities and outreach in remote areas of the Amazon. David is the author of The Sin of Retirement, which explores how traditional retirement thinking may be preventing people from achieving true financial freedom and purpose. The book is available in paperback, ebook, and audiobook formats.

Welcome to Financial Revelations with David Szafranski! If you would like David and the team to review your portfolio, email Kory@epsf.com for more information. We're also continuing to support mission work throughout the Amazon. To learn more or contribute, please visit www.nativosusa.org. David is the author of The Sin of Retirement, which explores how traditional retirement thinking may be preventing people from achieving true financial freedom and purpose. The book is available in paperback, ebook, and audiobook formats.

Welcome to Financial Revelations with David Szafranski! Before we dive into today's discussion, we want to extend a sincere thank you to everyone who contributed to the Nativos boat fund. Thanks to the incredible generosity of our supporters, we reached our fundraising goal in just two days! Your support will help further important mission work throughout the Amazon region. If you would still like to contribute to Nativos or the organizations they support, please visit www.nativosusa.org. In this episode, David shares his thoughts on the incoming Federal Reserve Chair and what that leadership transition could mean for the economy and financial markets. While many investors are watching closely for policy changes, David explains why he believes the first Federal Reserve meeting under the new chair is unlikely to result in an interest rate adjustment. David also discusses an important principle for success in business and life: surrounding yourself with the right people. He identifies three key groups everyone should have in their corner: People you can learn from People you can learn with People you can teach Each group serves a unique purpose in helping individuals grow professionally, expand their knowledge, and develop leadership skills. The conversation then turns toward broader economic and societal issues. David explores what he sees as potential challenges to capitalism, including topics such as climate change initiatives and DEI (Diversity, Equity, and Inclusion) programs. This episode serves as an introduction to a larger discussion, with future episodes planned to examine additional viewpoints, concerns, and economic trends in greater detail. David is also the author of The Sin of Retirement, a thought-provoking book that challenges conventional retirement wisdom and encourages readers to pursue greater financial freedom, purpose, and fulfillment throughout their lives. The book is available in paperback, ebook, and audiobook formats. Learn More Visit www.sinofretirement.com to learn more about the book, explore resources, and purchase official merchandise. Purchase The Sin of Retirement on Amazon: https://www.amazon.com/dp/B0FPBQ1TQ2 Have a financial question for David? Email: Kory@epsf.com Follow David on Twitter: @skibucks1 Support the Amazon Well Drilling Project To learn more about the Amazon well drilling initiative and other mission projects, visit: https://nativosusa.org

Welcome to Financial Revelations with David Szafranski If you would like David to review your portfolio or if you have general financial questions, we invite you to contact our office. We also want to share an important update regarding our mission work in the Brazilian Amazon. The boat we use to travel the Amazon River and reach indigenous communities is currently in need of repair. This boat is essential to the work being done, helping us deliver resources and continue ministry efforts in remote areas. If you would like to support this mission and help us get the boat repaired, please consider donating here: https://www.paypal.com/donate?campaign_id=7J7MJL6C7PKA4 Encouraging Signs in the Market There is a lot of green on the market screen today, and investors are responding positively to rumors of a proposed peace agreement with Iran. We are hopeful this news proves true. The latest inflation report came in at 3.8%, which remains higher than where it needs to be. Inflation at this level continues to put pressure on consumers, businesses, and overall economic growth. David explains that a peace agreement and the reopening of the Strait of Hormuz could have major economic benefits, including: Lower oil prices Reduced inflationary pressure Increased economic growth Higher wage potential for workers Energy remains one of the most important drivers of inflation and economic momentum, so developments in this region will continue to matter greatly. While uncertainty remains, positive movement toward peace could create meaningful opportunity for both the economy and the markets. Stay focused. Stay disciplined. Stay growth oriented. Contact Us Email financial questions: Kory@epsf.com Follow on X: @skibucks1 For more information on the Amazon well project, visit: https://nativosusa.org https://www.gofundme.com Search: David Szafranski

Welcome to Financial Revelations with David Szafranski! If you are interested in a financial review, please contact us:

Welcome to Financial Revelations with David Szafranski! Check out David's book The Sin of Retirement — available at www.sinofretirement.com and on Amazon (audiobook also available). Today, David talks about managing debt: Don't buy a car you don't need Don't take on unnecessary expenses Limit credit card debt — pay it off monthly or have a plan Create and stick to a budget — know your numbers David also connects what's happening in the markets with politics and inflation. His perspective: inflation isn't driven by consumers or producers alone, but by government overspending and restricted supply—like what we're seeing with Iran. The longer the crisis continues, the longer gas and oil prices may stay elevated. If tensions ease or Iran stabilizes, David believes: Markets could continue to rise Oil and gas prices could come down Stay focused. Stay disciplined. Stay growth oriented Email financial questions: Kory@epsf.com or melissam@epsf.com Follow on X: @skibucks1 Learn more about the Amazon well project: https://nativosusa.org https://www.gofundme.com Search: David Szafranski  

Welcome to Financial Revelations with David Szafranski! We're currently helping to build a church in the Amazon. If you'd like to support the mission or learn more:

Welcome to Financial Revelations with David Szafranski. We're gearing up for our next Amazon mission trip in April 2027. If you're interested in going or supporting the trip, visit:

Welcome to Financial Revelations with David Szafranski There's a lot to talk about this week—and for the first time in a while, the tone is optimistic. David believes we may be seeing the end of the current conflict. If that's the case, the focus now shifts to what comes next—understanding where Iran allocates its resources and how future risks could be managed, including potential targeting of missile infrastructure if tensions rise again. Despite all the unrest, the market has shown surprising strength. In fact, the S&P 500 reached a record high this week—a sign that investors may already be pricing in stability ahead. Market Outlook If this truly marks the end of the conflict, David sees significant upside: Markets could rise 15–20% by year-end Oil prices could fall below $70 per barrel The combination of easing geopolitical tension and strong market momentum could create a powerful environment for growth. The Federal Reserve & Policy Outlook Attention is also turning to the Federal Reserve. David has been critical of Chair Jerome Powell, noting that the Fed has two primary responsibilities: Price stability Full employment In David's view, the Fed has struggled to maintain price stability in recent years. With one meeting potentially remaining before leadership changes, the direction of monetary policy will be something to watch closely. Amazon Mission Trip – April 2027 Looking ahead, we're planning our next mission trip to the Amazon:

Welcome to Financial Revelations with David Szafranski Good morning and welcome back to Financial Revelations with David Szafranski—where we break down markets, global events, and practical financial strategies. If you would like to meet with David, talk through your financial situation, or have your portfolio reviewed, contact our office and we'll send you a Fact Finder to get started. If you'd like to support our next mission well drill, please visit:

Welcome to Financial Revelations with David Szafranski We're back from the Amazon—and what an incredible trip it was. From the work on the ground to the relationships built, it was a powerful experience all around. And we're not stopping there. We're already planning next year's mission trip, focused on building a well to bring clean water to local communities.

Welcome to Financial Revelations with David Szafranski Welcome back to Financial Revelations with David Szafranski, where we talk markets, global events, and financial strategies that help you build long-term wealth. David is the author of The Sin of Retirement, which explores how traditional retirement thinking may be holding people back from building true financial freedom. The book is available in paperback, ebook, and audiobook.

Welcome to Financial Revelations with David Szafranski!

Welcome back to Financial Revelations with David Szafranski—where we break down markets, policy, and long-term wealth strategy with clarity and conviction. This week, we're tackling some of the most important questions in finance right now. Why Is the Market Getting Beat Up? Investors are asking: What changed structurally in the market? According to David — nothing. There has been no major structural shift. Tax policy remains positive. Corporate fundamentals haven't suddenly collapsed. What we're seeing is more about sentiment than substance. Some investors may simply be tiring of the AI trade after a strong run. But David's perspective is clear: In times of uncertainty — buy the chaos. Volatility creates opportunity. When markets swing, disciplined investors stay growth-oriented instead of reacting emotionally. What's Happening With Tariffs? Last Friday, the Supreme Court of the United States ruled that President Donald Trump overstepped in his recent tariff action. President Trump has stated he will follow the law, and the administration is now looking at other legal mechanisms to implement tariffs if necessary. Policy headlines can move markets quickly, but David reminds listeners: political noise often creates short-term volatility — not long-term destruction. Economists Worth Listening To If you want to understand markets and economic philosophy more deeply, David recommends studying: Milton Friedman Thomas Sowell Both economists emphasize free markets, limited government intervention, and the power of capitalism to lift people out of poverty. Partner With the Mission If you would like to become a partner and support our mission trips, visit:

Welcome to Financial Revelations with David Szafranski. If you'd like us to review and evaluate your portfolio, contact our office today. You don't have to be a client for us to have a conversation—we're happy to take a look and offer insight. Our Amazon mission trips in March and May are full, but you can still be part of the mission. Visit www.nativosusa.org to learn how to get involved. On these trips, we'll be building a church and bringing both a dentist and a doctor to serve the community. Last week was a rough one for the markets, with headlines suggesting the AI trade is cooling off. David disagrees. He believes the AI and chip trade is just getting started. Demand for chips remains strong, and supply continues to lag behind. In his view, this is long-term growth—not a short-term fade. When markets get hit, you buy the chaos. Don't get shaken out by volatility. Stay growth-oriented. Want a surprise? Email Kory@epsf.com with the subject line: "I want the surprise" for your chance to receive a shirt. In the next podcast, David will break down Stepped-Up Basis—what it is, how to get it, where it applies, and how to implement a strategy that helps you pass more wealth on to the next generation.

Welcome to Financial Revelations with David Szafranski. In this episode, David discusses the upcoming mission trip to Brazil and how listeners can support the work by donating at nativosusa.org. David also breaks down the current market environment, explaining why inflation is moving in the right direction—and why it's much easier to drop from 9% to 4% than it is to push inflation lower without slipping into deflation, something currently affecting China and seen in Japan for decades. He shares his outlook on interest rates, noting that while there may not be a rate change this month, the incoming Fed chair is expected to begin cutting rates. The conversation wraps with insights on Minnesota politics and how political news impacts markets, reinforcing David's long-held principle: buy on bad news.

  Welcome to Financial Revelations with David Szafranski. In this episode, David breaks down the major global forces currently impacting the markets, including Venezuela, Greenland, and tariffs. The conversation highlights the growing right-wing shift in South America, with David emphasizing that capitalism remains the only system proven to lift people out of poverty. Greenland remains a mystery, with signs that more may be happening behind the scenes. Meanwhile, upcoming Supreme Court decisions on tariffs could have near-term market implications. David shares what he knows for sure: when energy is cheap, economies expand. With markets taking a slight hit, he believes this may be a buying opportunity. While the March mission trip is now full, listeners can still support the work—or learn about future mission opportunities—by visiting nativosusa.org. Listeners can email financial questions to Kory@epsf.com, follow David on X at @skibucks1, support the Amazon well-drilling project at nativosusa.org or GoFundMe, and find David's book, The Sin of Retirement, on Amazon or SinOfRetirement.com.

Welcome to Financial Revelations with David Szafranski Welcome back to Financial Revelations with David Szafranski—the show where we talk about money, markets, faith, and real-world financial wisdom you can actually use. If you haven't already, be sure to check out David's book, The Sin of Retirement, available now on Amazon.com and at SinOfRetirement.com. You can get it in paperback, ebook, or audiobook, so however you like to learn, there's an option for you. Amazon Mission Trip – March We're also excited to share that we're heading out on an Amazon mission trip this March. This trip is focused on making a real impact, including clean water initiatives like Amazon well drilling. If you'd like to support the mission, please visit:

Financial Revelations with David Szafranski – Latest Episode Welcome to another episode of Financial Revelations with David Szafranski! We've got giveaways, mission updates, market commentary, and David's outlook for the year ahead.

Financial Revelations with David Szafranski – Christmas Edition Welcome to the Christmas edition of Financial Revelations with David Szafranski! We're wrapping up the year with mission updates, a market recap, giveaways, and David's outlook for the months ahead.

Welcome to another episode of Financial Revelations with David Szafranski! We've got two giveaways this week, market and economic thoughts, and ways you can stay connected.

Financial Revelations with David Szafranski – Latest Update Welcome to Financial Revelations with David Szafranski! We've got exciting news, a special giveaway, and of course—some market insights and financial wisdom you can use right now.

Rate Cuts, Risk Assets, and Real Purpose

I'm Back! Welcome to Financial Revelations! A huge thank-you to everyone who came out to the signing for The Sin of Retirement! If you couldn't make it, don't worry—you can still order your copy. The book is now available in hardcover, ebook, and Audible. Visit www.sinofretirement.com for details. Market Update Wednesday marked a big shift in Federal Reserve policy—the start of rate cuts. Chair Powell announced a 25 basis point reduction, and I expect cuts to continue until his term ends in May. My take? The Fed was late. They should have begun cutting back in April. Unfortunately, politics have crept into monetary policy, and Powell doesn't want to leave office remembered as the next Arthur Burns. Looking ahead, I believe we'll see 30-year mortgage rates drop to 5% or below by April/May 2026. That will spark refinancing activity and push markets upward. Listener Questions This week, a listener asked: When should I contribute to a Roth versus a tax-deferred account? What's the best strategy for retiring early? Great questions! Keep them coming. Stay Connected

Welcome to Financial Revelations with David Szafranski! You're Invited! After decades of guiding clients toward a life of purpose and impact, Dave Szafranski—Founder & President of Edgewater Investment Group—has distilled his life's work into a bold new book: The Sin of Retirement. This is not just another financial guide. It's a wake-up call to rethink what “retirement” means and how to live your later years with passion, contribution, and purpose.

  Today David and his wife celebrate 33 years of marriage—how she's managed it, we may never know!

Big news—The Sin of Retirement is now live! You can now purchase the softcover or ebook through our website: www.sinofretirement.com. This book has been a long time in the making, and it's rooted in a simple truth: there is a greater purpose than leisure in retirement. Retirement shouldn't be about slowing down to do nothing. In Genesis 2, we're reminded that work is a gift from God—and that truth doesn't end when your career does. Whether it's mentoring, serving, or using your time for eternal purpose, The Sin of Retirement is a call to action. On Mission Our next mission trip to Brazil is set for March 2026. If you're interested in joining, please let us know. You don't have to travel with us, but we encourage you to find a way to live with greater purpose—right where you are. Fed Meeting Recap Last week's Fed meeting held no surprises—Chairman Powell kept rates unchanged. That said, I still believe we'll see three rate cuts before the end of the year. To Powell's credit, the data he had was questionable. The Bureau of Labor Statistics revised previous jobless claims and economic data, which changed the outlook considerably. The updated numbers show a weakening economy, declining inflation, and falling energy costs. And as I always say—everything starts with energy prices. The Fed, as usual, is late to the game.

Big News, Rate Rants, and Powell's Final Stretch Financial Revelations with David Szafranski Great news! My new book The Sin of Retirement is officially live! You can grab your copy today at sinofretirement.com or Lulu.com. It's a deep dive into retiring with mission, calling, and purpose—not just coasting to the finish line. Now onto the hot topic of the week... Did I Miss on Rates? A sharp listener called me out recently: “You said interest rates would be down by now!” You're right—I did. And they're not. So what happened? Two words: Chairman Powell. He's playing it safe, likely trying to protect the Fed from accusations of election interference. Is it a smart move? Maybe. Is it a political stunt? Maybe that too. But the truth is, inflation data is cooling, and I still believe we'll see rates move down—likely to around 4.75%. Should Powell Be Fired? He only has a few months left on his term. So should he be replaced now? It's a fair question. At this stage, the damage is likely already done (or baked in), and replacing him could inject more chaos than confidence into the markets. But it's worth having the conversation. Got a financial question for the show? Email me at Kory@epsf.com Follow along on Twitter(X): @skibucks1 One More Thing – Help Dig a Well in the Amazon We're supporting a clean water mission in the Amazon. Two ways to learn more and support: NativosUSA.org GoFundMe – Search “David Szafranski” Clean water changes lives. Let's make it happen.

We're glad you're here! Got questions? I'd love to hear from you—reach out anytime at kory@epsf.com.

Today on Financial Revelations – June 12, 2025 First off, style check: my shirt today is from Collar & Co. I'm not affiliated with them—I just really like their stuff. If you're into comfortable, dressy polo-style shirts, check them out: collarsandco.com. Heading Back to the Amazon

Welcome back to Financial Revelations, where we break down what's happening in the world of money, markets, and meaningful impact. I'm always eager to hear from you—your financial questions help shape the show. If you've got something on your mind, don't hesitate to email us directly at Kory@epsf.com. I'd love to feature your questions on the podcast.

This Week on Financial Revelations: Big news this week on Financial Revelations! David Szafranski shares an exciting announcement—his upcoming book, The Sin of Retirement, will be available at the end of July. It's a must-read for anyone thinking about retirement, financial independence, or how to approach the later years of life with purpose and strategy. Stay tuned for release updates! Inflation News: Headed in the Right Direction This morning's inflation report brought a welcome surprise: 2.1%, down from 2.8%. That's a solid move in the right direction and suggests that the economy is stabilizing. While the ideal target is often sub-2%, a little inflation isn't necessarily a bad thing. In fact, David explains why moderate inflation is healthy for a growing economy—tune in to this week's episode to understand why. Rate Cuts on the Horizon? With inflation cooling, David predicts we'll see at least three interest rate cuts this year. That could bring relief for borrowers and give the markets an added boost—great news if you're investing for the long haul. Market Chaos… Again Woke up to more headlines involving China allegedly violating trade agreements. The global stage is rarely calm, but chaos often creates opportunity. As David reminds us: Buy into the chaos. Long-term investors who stay the course often come out ahead. Got Financial Questions? Reach out to Kory@epsf.com with your financial questions—we might cover them on the next episode. Follow David on Twitter (X): @skibucks1 Stay informed. Stay intentional. Stay invested. Support the Amazon Well Project David is actively supporting a well drilling initiative in the Amazon. Learn more and get involved here: Nativos USA GoFundMe – Search: David Szafranski

Exciting news! My new book, Sin of Retirement, is set to be released at the end of July 2025. This isn't just another book on retirement—it's a God-centered roadmap for how to finish strong, live with purpose, and honor God in the next chapter of your life. You can learn more at www.sinofretirement.com. This message has been burning on my heart for a while, and I can't wait to share it with you. Retirement is not the end—it's a beginning. Let's make it count. Moody Radio Update As Moody Radio moves to a national format, tomorrow marks my last regular Thursday morning appearance. It's been a joy and a blessing to be part of your Thursday mornings. But don't worry—we're not done yet. You can still reach me by: Phone   (800)344-2534 Email: Kory@epsf.com Twitter/X: @skibucks1 Podcast (stay tuned for more episodes!) I love hearing your questions, so please keep them coming. Your trust means the world to me. The Economy: What's Going On? Let's talk about what's happening in the economy: Interest rates are rising—and that's not good news. The bond market is back in play. We need a tax bill that lowers rates, stimulates growth, and encourages lending and entrepreneurship. Here's the real question: If the Department of Government Expenditures (DOGE) has cut the money supply, why is debt still increasing? Where is the fiscal responsibility we've been promised? It's time for action, not just words. Get the fiscal house in order, and the economy will grow. Recommended Economic Voices If you're looking to expand your understanding, check out the work of: Thomas Sowell Arthur Laffer Larry Kudlow These are great minds who have shaped economic policy and theory in powerful ways. Support a Cause: Amazon Well Drill Let's not forget to care for those in need. I'm proud to support the Amazon well drill project through Nativos USA. To learn more or donate:

  Big News: The Sin of Retirement is Almost Here! We're almost there—my first book, The Sin of Retirement, goes live next week! The website and introduction will be up by the end of the week, and I couldn't be more excited to share this with you. It's been a long journey, but the message is timely, the research is deep, and the feedback so far has been incredible. A Rare Admission (and a Correction) In an unprecedented move… I have to admit I was wrong. I had projected mid-June for the resolution of the ongoing tariff negotiations—but the timeline has moved up. With a US-China deal now in the works, we may see these talks wrapped up much sooner than expected. The Market Outlook: Still Bullish Despite that hiccup, the outlook remains very strong. Here's what we're seeing: New lower budget: That's breathing room for both businesses and individuals. Tax bill updates: More favorable conditions could be ahead. Inflation? Finally showing signs of a slow and steady retreat. Put it all together, and we still see strong markets through the end of the year. Plenty of room for growth—and opportunity. Listener Spotlight: Who Should Buy Long-Term Care Insurance? One of our top listener questions this week: Who really needs long-term care insurance? David dives into the history of long-term care coverage and how it's evolved over the years. He breaks down: What long-term care actually covers Who benefits most from it Key factors to consider when deciding whether it's right for you If you've ever wondered whether LTC is worth it—or just another insurance upsell—this week's discussion is for you.

Let's call it what it is: the market is in recovery mode. You probably wouldn't guess that from the doomscrolling headlines or the hand-wringing on cable news, but underneath all that noise, momentum is quietly building. Why? A few key reasons: 1. Trade Deals Are Actually Happening We're past the saber-rattling and into real negotiations. Whether it's Asia, Europe, or domestic rebalancing, the gears are turning. For markets, that's less uncertainty and more runway. 2. Powell Can Breathe Again For once, Fed Chair Jerome Powell isn't the main character. The political heat has cooled off, inflation's not spiking, and he's got room to let the data guide the ship. That's good for everyone. 3. A June Rate Cut Is Looking Real It's not a done deal, but markets are pricing it in—and that anticipation alone is easing pressure. When money gets cheaper, growth stocks (and risk-on thinking) come back into fashion. 4. The White House Has Hit Cruising Altitude The early sprint of policy pushes, appointments, and executive orders is behind us. The initial chaos has settled into routine. Predictable doesn't make headlines—but it does steady markets. 5. The Media Has Lost Its Grip This might sound blunt, but it's true: fewer people are trading on headlines. Investors are tuning out the panic and looking under the hood. That skepticism has actually made the market less reactive and more disciplined. So What Now? This isn't the time to sit on your hands. If you've been waiting for a signal to get more aggressive, this might be it. ✅ Be growth oriented. Fundamentals are improving, and with rate cuts on deck, growth names have room to run. ✅ Buy the chaos. Dislocation creates opportunity. While others are chasing safety, look where the value is hiding. ✅ Stick to domestic. U.S. companies are in a strong position—better visibility, more liquidity, and less geopolitical baggage. The storm is passing. Now it's about positioning for what comes next. Listener Question: “We're newly married—should we combine finances?” Short answer? Yes. Here's why: combining finances isn't just about efficiency—it's about accountability, compromise, and submission. Not submission in a negative way, but in the mutual “we're in this together” kind of way. It's how trust is built. It's how you learn to plan as one, not two. And it will absolutely change how you both see money—and each other. As always you can listen to David on WCRF Cleveland 103.3 every Thursday from 8AM - 9AM or on the Moody Radio App. Email any financial questions to Kory@epsf.com Twitter(X) @skibucks1 For more information on the Amazon well drill, please visit: https://nativosusa.org https://www.gofundme.com        Search: David Szafranski    

We are planning another Amazon trip for March 2026. If you are interested please let us know. Let's talk about the market! We are still buying in the chaos. China is trying to push Trump to the brink, but they are at the disadvantage. China would go into a depression if they stopped supplying goods to the US. Looks like Trump is in the drivers seat.  What can we buy that is insulated from tariffs?  David talks about Uber, Netflix, Palantir, IBM, Tesla  *This is not a recommendation to buy or sell, please speak with your financial advisor and do your research* Listener question of the week: Precious metals; how much should I own and where should I store it? As always you can listen to David on WCRF Cleveland 103.3 every Thursday from 8AM - 9AM or on the Moody Radio App. Email any financial questions to Kory@epsf.com Twitter(X) @skibucks1 For more information on the Amazon well drill, please visit: https://nativosusa.org https://www.gofundme.com        Search: David Szafranski

We've been telling you to buy into the chaos and it looks like it is about to pay off! President Trump gave a 90 day reprieve on reciprocal tariffs and that is huge! It was a way to bring big countries to the table and negotiate. Expect some big things this quarter: tariffs coming off, negotiation coming on, more 0% tariff deals, the Fed will play ball, and a tax package that lowers corporate tax rates. As always you can listen to David on WCRF Cleveland 103.3 every Thursday from 8AM - 9AM or on the Moody Radio App. Email any financial questions to Kory@epsf.com Twitter(X) @skibucks1 For more information on the Amazon well drill, please visit: https://nativosusa.org https://www.gofundme.com        Search: David Szafranski

This week on Financial Revelations: David talks about the chaos and what it means in the market and answers a listener question. What David means by "The Chaos" Wild market swings Tariff talks Attacks on the Houthi terrorists DOGE fallout Immigration crackdown Fed not playing ball Davids predicts that tariff talks will be mainly over June and the Fed will cut rates. He feels there will be strong second half and the markets will respond positively. Listener question: How do I decide to take an investment out of my portfolio? As always you can listen to David on WCRF Cleveland 103.3 every Thursday from 8AM - 9AM or on the Moody Radio App. Email any financial questions to Kory@epsf.com Twitter(X) @skibucks1 For more information on the Amazon well drill, please visit: https://nativosusa.org https://www.gofundme.com        Search: David Szafranski

Just back from a missions trip to the Brazilian Rainforest, David shares about one of the best Amazon experiences he has ever had. The Fed had a meeting recently and rates are holding steady. There were no talks about a rate cut regime but David feels like there will cuts in June, around the time he thinks tariff talks will be over. As always you can listen to David on WCRF Cleveland 103.3 every Thursday from 8AM - 9AM or on the Moody Radio App. Email any financial questions to Kory@epsf.com Twitter(X) @skibucks1 For more information on the Amazon well drill, please visit: https://nativosusa.org https://www.gofundme.com        Search: David Szafranski