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Latino voters swung hard to the right in 2024. Now, they're giving Dems another look. This show was edited by Kasia Broussalian, fact checked by Esther Gim, mixed by Shannon Mahoney, video edited by Christopher Snyder, and hosted by Astead Herndon. Photo caption: A Sun Valley resident votes at the polling station located at Our Lady of The Holy Church on election day at the Sun Valley's Latino district, Los Angeles County. Photo by Joe Klamar/AFP via Getty Images. Editor's note: In her interview, Stephanie Valencia said that the zip code with the highest enrollment numbers for the ACA was in Miami. In fact, Miami is in the top five. South Florida overall, however, has led the nation with sign ups. You can also watch this episode on youtube.com/vox. Listen to Today, Explained ad-free by becoming a Vox Member: vox.com/members. New Vox members get $20 off their membership right now. If you enjoy our reporting and want to learn more, sign up for Astead's weekly newsletter, Midterms, Actually. Just go to www.vox.com/midtermsactually to learn more, and get in-depth analysis about this year's election right to your inbox. Learn more about your ad choices. Visit podcastchoices.com/adchoices
What might everyday millionaires, Coast FI, and skilled trades teach us about building wealth and planning for retirement? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the money decisions, tradeoffs, and strategies that may help shape the road to financial independence. · Discover how “everywhere millionaires” are building wealth through hands-on businesses far beyond the Silicon Valley spotlight. · Explore the appeal of Coast FI and why life's financial curveballs may complicate even a carefully designed plan. · Examine how skilled trades such as plumbing and electrical work may fit into the conversation around careers, income, and wealth building. · Assess how risk tolerance, time horizon, and market swings may help shape a retirement investment mix. · Consider how young, high-earning professionals might weigh taxes, student loans, and workplace retirement plansas their incomes grow. · Compare lump-sum and monthly pension options while factoring in inflation, COLAs, longevity, and income needs. · Evaluate securities-backed lines of credit, including their potential benefits and risks, and how they differ from traditional mortgages. · Learn how realizing investment gains may affect reportable income and eligibility for ACA health insurance subsidies. · Understand the tax and eligibility considerations surrounding custodial accounts and Roth IRAs for young adults. · Explore Wes's new book, The Retire Sooner Method, and the research behind his approach to the financial and lifestyle characteristics associated with a happier retirement. Listen and subscribe to the Retire Sooner Podcast for more conversations about retirement planning, investing, financial independence, building wealth, and the financial and lifestyle decisions that may come into play on the road to financial independence. Learn more about your ad choices. Visit megaphone.fm/adchoices
Why are millions of Americans losing SNAP food assistance—even when many remain eligible?In this episode of Add Passion and Stir, host Billy Shore speaks with Jason DeParle, poverty correspondent for The New York Times, and Sharon Parrott, president of the Center on Budget and Policy Priorities, about the sharp decline in SNAP participation, new administrative barriers, and the human consequences for children, families, seniors, and people with disabilities.DeParle shares reporting from Arizona, where SNAP participation has fallen by about half in one year and families describe hours-long waits, unanswered calls, and paperwork requirements that prevent eligible people from receiving food assistance. Parrott explains how changes in federal policy are shifting SNAP costs to states, creating new incentives to reduce enrollment and raising concerns that some states could ultimately end the program altogether.They also discuss the connection between food insecurity and mental health, the risks to Medicaid and ACA marketplace coverage, the impact on immigrant families, and what listeners can do to make policymakers understand the stakes.Listen to this urgent conversation about SNAP, hunger, food assistance, poverty, public policy, and the choices shaping who can afford groceries in America.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Greg Bluestein and Patricia Murphy dig into the competing health care plans from Georgia's two gubernatorial nominees with veteran health care reporter Ariel Hart. They examine Keisha Lance Bottoms' push for full Medicaid expansion, Rick Jackson's proposed “intelligent Medicaid expansion,” and the questions surrounding how either plan could work. Hart also weighs the strain on rural hospitals, the loss of ACA coverage and what the next governor can realistically change. Have a question or comment for the show? Call or text the 24-hour Politically Georgia Podcast Hotline at 770-810-5297. We'll play back your question and answer it during our next Monday Mailbag segment. You can also email your questions at PoliticallyGeorgia@ajc.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
On July 30 Senate Finance Committee Democrats issued an 86-page Request for Information (RFI) titled, “Health Coverage That Works for Everyone.” As Ranking Democratic Member Ron Wyden explained, much like the Finance Committee's 2008 white papers that laid the groundwork for the ACA, this RFI constitutes an essential blueprint for necessary and immediate federal healthcare reform. Surprisingly - or not, beyond a limited number of trade publications and policy shops the RFI has to date been ignored.The authors 167-page paper make essentially two arguments: while the Ds diagnosis is correct in that part of the problem is how commercial insurers (termed “Big Insurance”) make money (and how much), nearly half of the RFI's 71 propose reforms will likely cause payers to move money to unregulated subsidiaries or affiliates instead of saving it or applying the savings to actual care spending; and, by ignoring hospital prices, that substantially are responsible for both health care spending and inflation (once again think: “It's the Prices, Stupid”), the Senate Finance Ds are ignoring over $300 billion in potential annual savings. E.g., they write, “squeeze insurer margin perfectly and the hospital price base is exactly where it was,” and “you cannot audit the pricing power of the party [hospitals] you have just cast as the injured one.”The report deserves the attention of all serious healthcare policy students. The authors' work, published as INET working paper, is at: Alvelda-Ferguson-Wyden-RFI-Critique-Brainworks-INET-final.pdf. INET is at: https://www.ineteconomics.org/.Professor Ferguson's bio is at: https://www.ineteconomics.org/research/experts/tferguson.Dr. Alvelda's bio is at: https://www.ineteconomics.org/research/experts/pAlvelda and at: https://brainworks.ai/about-us/. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.thehealthcarepolicypodcast.com
James and Al eviscerate Trump's midterm convention, share encouraging news about Kansas, analyze the factors most salient to voters, and make some 2026 predictions. Then, they welcome congressional candidate Zach Dembo for KY-06 to discuss corruption, healthcare, and winning over rural voters. They address the need to meet constituents where they are, the potential to win over independents, how raising the Social Security tax cap is a winning way to tackle income inequality and keep our country solvent, and the importance of restoring Medicaid and ACA subsidies.Email your questions to James and Al at politicswarroom@gmail.com or tweet them to @politicon. Make sure to include your city– we love to hear where you're from! More from James and Al:Get text updates from Politics War Room and Politicon.Watch Politics War Room & James Carville Explains on YouTube.James Carville & Al Hunt have launched the Politics War Room SubstackGet updates and some great behind-the-scenes content from the documentary CARVILLE: WINNING IS EVERYTHING, STUPID by following James on X @jamescarville and his new TikTok @realjamescarvilleGet More From This Week's Guest: Zach Dembo: Twitter | Campaign Website | Facebook | InstagramPlease Support Our Sponsors:Quince:Upgrade your fall fashion and get 365-day returns and free shipping on high-quality, stylish, and affordable clothing you'll wear for years to come when you go to quince.com/warroom or download the Quince app. Now available in Canada and the United Kingdom.3 Day Blinds:For their buy 1 get 1 50% off deal, head to 3DayBlinds.com/WARROOM Trust & Will:Get 20% off when you go to trustandwill.com/WARROOMMiracle Made:Upgrade your sleep with Miracle Made! Go to TryMiracle.com/warroom and use the code WARROOM to claim your FREE 3-PIECE TOWEL SET and SAVE over 40% OFF.
Regulators won't allow Seattle cement plant to burn more tires, ACA insurance plans will get more expensive next year, and the Seahawks win a nail biter. It’s our daily roundup of top stories from the KUOW newsroom, with host Paige Browning. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online or on the KUOW App.See omnystudio.com/listener for privacy information.
Illuminate Podcast: Shining Light on the Darkness of Pornography
Power is part of every relationship, but after betrayal, it moves to the center of the healing process. In this episode, we explore how secrecy, manipulation, and deception create a painful power imbalance, why betrayed partners naturally need to reclaim their power, and why that step is both healthy and necessary. We also discuss the delicate transition from restoring power to sharing it again. While recovering partners don't get to decide when that shift happens, lasting healing eventually requires both partners to move toward a relationship built on mutual dignity, safety, and shared partnership. __________________________________ Take the Free Assessment: I created a short self-assessment to help you pinpoint exactly where you are in your healing right now, and what to focus on next. It takes just a few minutes, and you'll walk away with clarity instead of guessing. Find out where you are: https://whereismywork.com/ ______________________________ Download the Free Resource: You, Me, Us - A Way Forward After Betrayal When betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here. ______________________________ Join the Courageous Together™ Program Courageous Together™ isn't just another course, it's a trauma-informed roadmap that holds both of you in the healing process. If you've ever wondered “Where do we even start?” After betrayal, this program gives you the clarity and structure you need. It meets the betrayed partner's need for safety while guiding the recovering partner toward real accountability, creating a path forward that neither of you has to figure out on your own. Healing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection. You'll have access to: A structured healing framework with step-by-step guidance Video lessons and worksheets to build safety, accountability, and connection The option to join live group circles and support calls with me A private, secure community of others walking the same path Learn more and join us inside Courageous Together ______________________________ Stay Connected Website YouTube Instagram Facebook If this episode resonated with you, please share it with someone who might need it. And don't forget to leave a review! We'd love to hear how this podcast is supporting your healing journey. __________________________________ Watch on YouTube Prefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel __________________________________ About Geoff Steurer I am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children. About Jody Steurer Jody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.
Insurance Commissioner Patty Kuderer approved a 22.2% average rate increase for Washington's ACA exchange, affecting about 250,000 enrollees starting Jan. 1. Coordinated Care Corporation members face a jump of more than 25%, while enrollment has already fallen nearly 13% from 2025 — the steepest decline since the marketplace launched. https://www.clarkcountytoday.com/business/affordable-care-act-insurance-costs-to-rise-steeply-again-in-wa/ #AffordableCareAct #HealthInsurance #WashingtonState #ACA #HealthcareCosts #OpenEnrollment #WashingtonHealthBenefitExchange #PremiumIncrease #ClarkCounty #PacificNorthwest
Anytime I'm working with a client looking to retire early, there is usually a combination of excitement and nerves. For one, Medicare likely isn't an option for several years down the road. But more importantly, there is no fixed income coming into the picture. Employment/Self-Employment income is gone, no pension, no Social Security yet. And suddenly, the portfolio they've worked decades building up becomes the primary source of income. I call these The Bridge Years. But these “bridge years” may also offer some of the greatest planning opportunities of your retirement.In this episode, we're going to help you navigate this important period and help you prepare not only financially, but also psychologically. You'll learn:• Which accounts you may want to withdraw from first• How the Rule of 55 and Rule 72(t) can provide early access to retirement accounts• How much cash and short-term fixed income you may want to hold• Why the years before Social Security and RMDs can create valuable tax-planning opportunities• How to coordinate Roth conversions, capital-gain harvesting, and ACA health-insurance subsidies• Why a higher initial withdrawal rate may be completely acceptable• How to navigate the dreaded 'sequence of returns' risk• Why longevity, healthcare, and long-term care require special attention when retiring in your 50s or early 60sEarly retirement is not like a normal retirement, but vigilant planning can help you bridge the gap and gain years of valuable time back. I hope this episode helps. If you find this content useful, do me a favor and leave us a 5* review wherever you are consuming podcasts. It really helps us reach and impact as many people as we can. Thank you!-Kevin Are you interested in working with me 1 on 1? Click this link to fill out our Retirement Readiness QuestionnaireOr, visit my website Connect with me here:YouTubeFollow the podcastJoin My Company NewsletterThis is for general education purposes only and should not be considered as tax, legal or investment advice.
On this episode of The Broker Link, National Health Sales Director Mike Papuc sits down with Kyle Rogers of MedMutual Protect to discuss why diversification is becoming increasingly important for health insurance agents. With changes impacting the ACA marketplace, Medicare commissions, and carrier participation, Mike and Kyle explore how agents can expand their portfolios with supplemental health insurance solutions. Kyle highlights Med Mutual Protect's à la carte product offerings, including specified disease, accident, and fixed indemnity coverage, designed to help provide affordable protection while addressing gaps in traditional health plans. The conversation also covers simplified medical underwriting, nationwide coverage, and options that can help clients manage deductibles and out-of-pocket expenses. With Med Mutual Protect celebrating 70 years in the industry, Kyle emphasizes the company's focus on stability, affordability, and accessible coverage. For agents, the message is clear: diversification can create new opportunities, provide more solutions for clients, and open the door to additional revenue streams. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/ Facebook: https://www.facebook.com/thebrokerageinc/ Instagram: https://www.instagram.com/thebrokerageinc/ YouTube: https://www.youtube.com/@TheBrokerageIncTexas Website: https://thebrokerageinc.com/
As global power dynamics shift, how do we strike the right balance between deterrence, dialogue, and sustainable development in the Arctic? And what do the changes underway mean for Arctic governance, stability, and cooperation?Joining the conversation are:Bergdís Ellertsdóttir, then-Senior Arctic Official of IcelandGuðbjörg Ríkey Th. Hauksdóttir, Program Manager, Centre for Arctic Studies, University of Iceland; PhD Candidate, University of Iceland; Fellow, Harvard Kennedy School's Arctic InitiativeSvein Vigeland Rottem, Senior Researcher, Fridtjof Nansen Institute, NorwayMarc Lanteigne, Associate Professor, UiT The Arctic University of NorwayThe Session is moderated by Pia Hansson, Director of the Institute of International Affairs, University of Iceland.This discussion was recorded live at the Arctic Circle Rome Forum - Polar Dialogue, held March 3rd–4th, 2026.Arctic Circle is the largest network of international dialogue and cooperation on the future of the Arctic. It is an open democratic platform with participation from governments, organizations, corporations, universities, think tanks, environmental associations, Indigenous communities, concerned citizens, and others interested in the development of the Arctic and its consequences for the future of the globe. It is a nonprofit and nonpartisan organization. Learn more about Arctic Circle at www.ArcticCircle.org or contact us at secretariat@arcticcircle.orgTWITTER:@_Arctic_CircleFACEBOOK:The Arctic CircleINSTAGRAM:arctic_circle_org
The United States doesn’t have a comprehensive healthcare “system.” It has a patchwork of coverage options that come with heavy price tags and complicated processes. Consistent GOP attacks have made the entire framework untenable, and the results speak for themselves. Healthcare coverage is deteriorating rapidly under Trump and there’s no going back at this point. This might be the opening we need to finally have a real conversation about Medicare for All. But there’s going to be a lot of pain between now and then. Resources KFF: ACA Marketplace Enrollment Is Down By 3 Million After Big Jump in Premium Payments The New York Times: Uninsured Patients Rise Sharply, Hospitals Report, Citing Obamacare Cuts Peterson-KFF Health System Tracker: How much and why ACA Marketplace premiums are going up in 2027 Peterson-KFF Health System Tracker: How much and why premiums are going up for small businesses in 2027 American Medical Association: Changes to Medicaid, the ACA and other key provisions of the One Big Beautiful Bill Act Common Dreams: Nearly 2.5 Million Children Have Lost Medicaid and CHIP—So Far—During Trump’s Second Term STAT: The Trump administration is burying science and health care in paperwork Book Love Abdul El-Sayed + Micah Johnson: Medicare for All: A Citizen’s Guide Steven Brill: America’s Bitter Pill: Money, Politics, Backroom Deals, and the Fight to Fix Our Broken Healthcare System Paul Starr: The Social Transformation of American Medicine: The Rise of a Sovereign Profession and the Making of a Vast Industry UNFTR Resources Video: Healthcare Is Broken—And It’s Not Getting Better. Essay: Merchants of Death. Series: Healthcare. Episode: Medicare for All. Episode: Pharmacy Benefit Managers. 5 Non-Negotiables. -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibilitySupport the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.
MEETUP RSVP LINK (FREE): https://partiful.com/e/AhVPncx2eKeEgFGsSGMo?c=_qmLc_Tz TURF NERDS SOCIAL MEDIA LINKS: https://linktr.ee/turfnerdspod Evan's Walker's: https://amzn.to/4wTxZ0O Use code TURFNERDS for 5% off orders $600 and up at Magna-Matic! Use code NERDS to save 10% on Spencer Products! Hey Turf Nerds! Evan and Greg dig into whether AI and autonomous mowers will ever really replace lawn care pros, and why trimming, edging, and blowing might be un-automatable for at least another 15 years. They break down STIHL's AutoCut trimmer head, weigh battery vs. gas equipment for handhelds, and Greg goes full rant on the real cost of ACA health insurance for self-employed operators (spoiler: it's brutal). Plus, a heartfelt segment featuring Evan's wife Hannah reflecting on six years of marriage, motherhood, and what it's really like being a "lawn care wife" through the highs and lows of mowing season. Tap Here for Turf Nerds Merch! Look! We Have A Website! Don't forget to check out Green Frog Web Design and tell them the Turf Nerds sent you. Or Greg will scalp your lawn! Use promo code TURFNERDS for 50% off Equip Expo 2026 registration! Shoot us an email! Evan@TurfNerdsPod.com Instagram Facebook TikTok Subscribe on YouTube: https://www.youtube.com/@TurfNerdsPodcast?sub_confirmation=1 #LawnCare #LawnMaintenance #Mowing #MowingGrass #LawnCareBusiness #Toro #ToroMultiforce #CubCadet #BibleStudy #Bible #Christian #Business #Entrepreneurship #Comedy #2024 #Marketing #Advertising #TipsAndTricks #Tips #Success #Yakta #YaktaMowers #YaktaOutdoor #Spring #SpringRush #FYP #Mower #NewMower #UsedMower #RouteDensity #EquipExpo #EquipExpo2024 #Echo #Stihl #RedMax #Shindaiwa #StringTrimmer #WeedWhip #GreenFrogWebDesign #WebDesign #EzraMcCarthy #Aerator #Aeration #ZAerate #Bobcat #BobcatMowers #Husqvarna #HusqvarnaGroup #HYGREENTOOL #GOMOW #ThunderLightingSupply #ChristmasLights #Christmas #Trump #DonaldTrump #PresidentTrump #ElectionDay #EZDumper #DumpInsert #StempkyNursery #Mulch #MulchInstallation #TurfNerds #Newsmax #NewsmaxTV #CarlHigbie #CharlieKirk
In 2012, California voters approved Proposition 30 — officially titled "Temporary Taxes to Fund Education." The new tax brackets were written to expire in 2018. Voters extended them in 2016. This November, Proposition 3 asks whether to remove the expiration entirely.Phil and Camille go through what those fourteen years actually produced. Funding did rise: per-student spending increased 14% after inflation, and California climbed from the high 20s to 16th nationally. But two years after Prop 30 passed, the Legislature enacted AB 1469, a CalSTRS rescue plan that pushed school districts' pension contributions sharply upward. By 2025-26 the total contribution rate reached 37.7% of covered payroll — close to 38 cents on every dollar of teacher pay. The Public Policy Institute of California found that rising pension costs absorbed roughly a quarter of the entire pre-pandemic education spending increase.Then there's the revenue that never materialized. A study published in the American Economic Journal: Economic Policy, built on confidential California Franchise Tax Board records, found that 45% of the expected windfall from the 2012 tax eroded within a year and 61% within two. The surprising part is why: migration explained less than 10% of it. High earners largely stayed in California and reported less income. A separate Stanford team using the same dataset found migration effects near zero, which means the two studies broadly agree on the tax-flight question and disagree about something else entirely.The episode also covers Proposition 43, the measure whose author is publicly urging a no vote. Assemblymember Buffy Wicks wrote ACA 22, watched it pass 68-2 and 35-1, and has said she doesn't support the policy — it was the compromise that cleared two broader anti-tax measures off the ballot before the June deadline. Understanding it requires going back to a 2017 California Supreme Court ruling about a marijuana dispensary in Upland, and forward to Los Angeles Measure ULA, the mansion tax that has raised about a third of its projection while UCLA and RAND researchers found it reduced housing production by at least 1,910 units per year.Closing out: the second phase of Orange County's forensic audit into pandemic-era contracts, including the county health director who reprimanded a subordinate for raising conflict-of-interest concerns about Andrew Do, on the reasoning that Do was a lawyer and would know if there was a conflict.Primary sources throughout — LAO analyses, the peer-reviewed studies, the court opinion, and the audit itself.Written breakdowns with the documents attached: caunderground.substack.comPhil's book on California's political economy: www.thegildedstate.comInstagram and TikTok: @californiaundergroundX: @ca_underground
In this episode, Ezekiel Emanuel, MD, PhD, Architect, ACA, and Miriam Paramore, Health Tech CEO of RxUtility, discuss strategies to make prescription drugs more affordable, including generic drug access, price transparency, PBM reform and direct-to-consumer pricing. They also explore how healthcare can reduce administrative complexity while improving access, adherence and outcomes.
Martha Redpath, a CNM turned burnout and boundaries coach, joins Augustine to talk about what happens when the people who hold space for everyone else run out of space for themselves. Martha traces her path from home birth CNM in Vermont to founder of Provider Space Coaching — a pivot that came out of her own reckoning with alcohol, burnout, and eventually grief after losing her husband.The conversation moves through the state of community-based midwifery today (closures, legal exposure, the pressure CPMs face that CNMs often don't), the martyrdom culture baked into midwifery training, and what it actually looks like to teach boundaries as a clinical skill rather than a personality trait. Martha and Augustine also get into nervous system regulation, the difference between CNM and CPM entry points into boundary-setting, and why the ability to disappoint people — kindly and clearly — might be the most underrated skill in this profession.Key TopicsMartha's path: nursing → home birth CNM in Vermont → 10 years in a small hospital birthing center → burnout, alcohol, and the pivot to coachingThe current landscape for community-based midwives: closures, lawsuits, board investigations, and the Texas trend of using public social media posts as testimony against midwivesHistorical spikes in home birth rates (Ricki Lake's documentary, the ACA, COVID) and where rates stand nowCNM vs. CPM pathways into professional boundary-setting — and why CPMs often enter the field less boundariedThe martyrdom/"lone cowboy" culture in community-based midwifery, and generational shifts around itMartha's coaching framework: strengths-based reflection across eight life domains, nervous system regulation, "tiny habits," and discomfort resilienceGrief as a parallel thread to birth work, following the loss of Martha's husbandThe value of one truly safe confidant ("marble jar friends") for midwives carrying constant on-call stressResources Mentioned:Martha's coaching practice: providerspacecoaching.com — sliding scale fees, one-off debrief calls, and a six-week burnout package built around The Big Life JournalStudent Midwife's Keepsake Journal — the HIPAA-appropriate documentation journal mentioned in the mid-episode ad, with space for 100 birth records and built-in compliance guidance
C talks about her recovery, working with the ACA checklist for the workplace and boundaries.
"Everything government touches is complicated." - Danielle Kunkle Roberts Our hosts, Stephanie McCullough and Kevin Gaines, bring on Danielle Kunkle Roberts of Boomer Benefits, and author of 10 Costly Medicare Mistakes You Can't Afford to Make. As the title of her book suggests, Medicare isn't free. Believing otherwise is mistake number one! Premiums, deductibles, and coverage gaps are real costs that blindside retirees, especially anyone who leaves the workforce before 65 and needs an ACA bridge plan to survive the gap. The trickiest wrinkle is the size-of-employer rule. If you work for a company with 20-plus employees past 65, your group plan stays primary while Medicare waits in the wings. Work for a smaller one, and Medicare becomes primary whether you enrolled or not, leaving a surprise medical bill for anyone who assumed their coverage worked the way a friend's did. Never assume your neighbor's, cousin's, or friend's Medicare situation applies to yours, because age, employer size, and state all rewrite the rules. Danielle also talks about "Ugly IRMAA". As the income-based surcharge calculated off your tax return from two years back, the Medicare IRMAA can ambush anyone who thought retirement meant no more "earnings." Then there's the annual Advantage plan and Part D notices of change, proof that even after enrollment, nothing about Medicare is truly "set it and forget it." Danielle's fix isn't memorizing every rule, but finding a broker paid by commission rather than out-of-pocket, who revisits your plan every single year. Key Topics: Medicare Isn't Free: Premiums and Coverage Gaps (05:30) Late Enrollment Penalties That Last Forever (11:39) Meet "Ugly IRMAA": Income-Based Premium Surcharges (18:31) Keep Your Creditable Coverage Paperwork (25:26) Medigap vs. Advantage: The One-Way Door (31:28) How Brokers Actually Get Paid (33:11) Why Advantage and Part D Are Never "Set It and Forget It" (40:34) Key Takeaways (45:38) Resources: Boomer Benefits: https://boomerbenefits.com Medicare Q&A with Boomer Benefits Free FB Group: https://www.facebook.com/groups/BoomerBenefits/ 10 Costly Medicare Mistakes You Can't Afford to Make (book): https://a.co/d/09YBATz5 "Danielle Kunkle Roberts, and Boomer Benefits are not affiliated with or endorsed by Private Advisor Group, American Financial Management Group, or Sofia Financial." This episode or article may contain affiliate links. If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at www.takebackretirement.com. Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn. Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.
U.S. forces strike a pair of rocket launchers near the Strait of Hormuz, colleges brace for the loss of international students, and the GOP called on to rescind Medicaid and ACA cuts.
At least 1 person dead and a dozen missing after catastrophic flash flooding in the Grand Canyon, U.S. colleges and universities brace for the loss of international students, Virginia candidates, advocates call on the GOP to rescind Medicaid, ACA cuts.
Episode 269: This week we go back to our roots, with a director that has peppered our podcast with greatness before. That director is none other than friend of the show Rob Zombie, and the film is 31 from 2016. Does it skull fuck or suck?, find out. Join us next week in the wake of San Neill's passing we will cover, Possession from 1981.Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.
Episode 268: This week we delve into our childhoods, and those of our young protagonists in 1987's Flowers in the Attic. Can beauty grow while locked away? Come back next week for something a little more genred, with Rob Zombie's 31 from 2016, YEAH!Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.
Episode 267: Join us this week as we usher in autumn with good friend Nichole of Light & Shadow: A Horror Podcast. Here to take a whimsical, childhood journey with us, as we review the classic animated series Over the Garden Wall from 2014, and that's a rock fact!Make sure to join us next week where we will be covering the 1987 film, Flowers in the Attic.Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.
Health Affairs Publishing's Jeff Byers welcomes Dan Arnold of Brown University to discuss the rapid growth of Medicaid spending on autism treatment and the expanding role of private equity-backed providers in the applied behavior analysis (ABA) therapy market. He explores the drivers behind rising costs, emerging concerns about care quality and fraud, and the challenge of balancing oversight with continued access to services for families.Related Links:The Business Of Autism Treatment: Private Equity Implications For State Medicaid Programs (Health Affairs Forefront)Sign up for Health Affairs' free newsletter to catch up on our new articles, podcasts, and events.
The Friday Five for August 28, 2026: Still time to register for Ritter Insurance Marketing Summits Medicare & ACA certification update for August 28, 2026 There's more to gastrointestinal distress recovery than BRAT Ritter & Integrity Solutions for Industry Disruption in 2027 IntegrityCONNECT Now Quotes Medicare Supplement Ways to Connect:
Creating a truly inclusive camp environment takes more than good intentions—it takes knowledge, practical skills, and opportunities to put those skills into practice. In this episode of CampWire, we talk with Erin Ross, executive director of Camp SkyWild, about the organization's Inclusion Specialist program, a professional development experience designed to equip camp professionals with tools and strategies to better support neurodivergent campers. We explore the difference between inclusion and belonging, why understanding neurodiversity matters across the camp industry, and how Camp SkyWild combines transformative training with real-world practice. Erin also shares how participants take what they learn back to their own camps, extending the impact through staff training and more inclusive summer experiences. Plus, learn more about Camp SkyWild's upcoming immersive training experience and how camp professionals can get involved. Show notes: Camp SkyWild Become a trained Inclusion Specialist ACA's Character at Camp Grant program The views and opinions expressed on CampWire by contributors are their own and do not necessarily reflect the views of the American Camp Association or ACA employees.
Illuminate Podcast: Shining Light on the Darkness of Pornography
After betrayal, couples are often told they just need to communicate better. But what if communication isn't actually the problem? In this episode, we challenge one of the most common pieces of relationship advice and explore why communication techniques often fail in the early stages of betrayal recovery. We discuss why a betrayed partner's distress is already communicating something important, why recovering partners must learn to respond to the pain beneath the words, and why genuine safety, not better communication skills, is what creates lasting connection. The truth is, good communication isn't where healing starts. It's what naturally grows when honesty, accountability, and emotional safety are restored. __________________________________ Take the Free Assessment: I created a short self-assessment to help you pinpoint exactly where you are in your healing right now, and what to focus on next. It takes just a few minutes, and you'll walk away with clarity instead of guessing. Find out where you are: https://whereismywork.com/ ______________________________ Download the Free Resource: You, Me, Us - A Way Forward After Betrayal When betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here. ______________________________ Join the Courageous Together™ Program Courageous Together™ isn't just another course, it's a trauma-informed roadmap that holds both of you in the healing process. If you've ever wondered “Where do we even start?” After betrayal, this program gives you the clarity and structure you need. It meets the betrayed partner's need for safety while guiding the recovering partner toward real accountability, creating a path forward that neither of you has to figure out on your own. Healing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection. You'll have access to: A structured healing framework with step-by-step guidance Video lessons and worksheets to build safety, accountability, and connection The option to join live group circles and support calls with me A private, secure community of others walking the same path Learn more and join us inside Courageous Together ______________________________ Stay Connected Website YouTube Instagram Facebook If this episode resonated with you, please share it with someone who might need it. And don't forget to leave a review! We'd love to hear how this podcast is supporting your healing journey. __________________________________ Watch on YouTube Prefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel __________________________________ About Geoff Steurer I am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children. About Jody Steurer Jody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.
Cori Uccello, FSA, MAAA, FCA, MPP joins host Ankit Nanda, FSA, MAAA, FCA for a tour of the U.S. health insurance coverage landscape, including Medicare, Medicaid, and the ACA marketplaces. Drawing on a career as the senior health fellow at the American Academy of Actuaries, MedPAC commissioner, and Congressional Budget Office panel of health advisers member, she discusses how actuarial analysis enters policy debates, where it carries weight, and what actuaries should understand about the programs shaping the market they price in.
What is Svalbard telling us about our changing planet, and what makes it such a unique place for Arctic research?Joining the conversation are:Harald Steen, Research Director, Norwegian Polar Institute (NPI)Heikki Lihavainen, Director, Svalbard Integrated Arctic Earth Observing System (SIOS)Marion Maturilli, Scientist, Alfred Wegener Institute for Polar and Marine Research (AWI), Germany; Scientific Coordinator, AWIPEV Research BaseBartłomiej Luks, Assistant Professor, Institute of Geophysics, Polish Academy of SciencesOlga Gavrichkova, Senior Researcher, Research Institute on Terrestrial Ecosystems, National Research Council of Italy (CNR-IRET); Co-chair, Ny-Ålesund Terrestrial FlagshipThe Session is moderated by Mauro Mazzola, Scientist, Institute of Polar Sciences, National Research Council of Italy (CNR-ISP), and Station Manager, Dirigibile Italia CNR.This discussion was recorded live at the Arctic Circle Rome Forum — Polar Dialogue, held March 3rd–4th, 2026.Arctic Circle is the largest network of international dialogue and cooperation on the future of the Arctic. It is an open democratic platform with participation from governments, organizations, corporations, universities, think tanks, environmental associations, Indigenous communities, concerned citizens, and others interested in the development of the Arctic and its consequences for the future of the globe. It is a nonprofit and nonpartisan organization. Learn more about Arctic Circle at www.ArcticCircle.org or contact us at secretariat@arcticcircle.orgTWITTER:@_Arctic_CircleFACEBOOK:The Arctic CircleINSTAGRAM:arctic_circle_org
August 20, 2026Republicans are trying to hide the cuts they have made to health care in the US, Republicans are working to undo the progress made with the Affordable Care Act, The work requirement they have imposed on the ACA is really a paperwork requirement, Up to 15 million people are at risk of losing Medicaid coverage, In 1883 sociologist Wiliiam Graham Sumner published an influential book that concluded that citizens owe nothing to each other, Those succeeding in the industrializing economy agreed, The Trump administration appears to embrace the belief that the nation depends upon the survival of the fittest, Robert F Kennedy's beliefs about vaccines seem to align with that idea, The US is experiencing a wave of foodborne illnesses, The administration cut back mandatory tracking of eight pathogens that had been covered by FoodNet before the administration cut six of them, The leadership positions at the CDC and FDA are vacant and need to be filled, Keeping government out of society undermined public health and safety in the past, Middle class Americans demanded regulation of the food and drug industry, ushering in reforms. Watch today's recording here: https://www.youtube.com/live/g9TUa1Rwd6U?si=T8_KKcHQZElhpnZ-Get full, free access to Letters from an American here: https://heathercoxrichardson.substack.com/subscribeYou can also find me:Bluesky: https://bsky.app/profile/hcrichardson.bsky.socialInstagram: https://www.instagram.com/heathercoxrichardson/?hl=enFacebook: https://www.facebook.com/heathercoxrichardson/YouTube: https://www.youtube.com/@heathercoxrichardson Get full access to Letters from an American at heathercoxrichardson.substack.com/subscribe
Health Affairs Publishing's Jeff Byers welcomes Erica Socker of Georgetown University to the pod to discuss her recent Forefront article that explores how the Medicare Advantage quality bonus program is working in the wake of a Clover Health-CMS lawsuit over star ratings. They discuss the court's ruling, CMS's policy response, and why the case could become a catalyst for broader reforms to a program that now distributes billions of dollars annually. Related Links:Medicare Advantage Quality Bonus Program: Court Decisions Spotlight Flaws (Health Affairs Forefront)Sign up for Health Affairs' free newsletter to catch up on our new articles, podcasts, and events.
The Friday Five for August 21, 2026: Register to Attend Ritter Summits Apple Devices Rumored for Fall 2026 Spotify Announces PlayList Notes Journaling for Personal Development MyChart Medicare Kit Scam Get Connected:
On "Forbes Newsroom," Congressman Brad Schneider (D-IL) discussed the Trump administration proposing that ACA enrollees who can't afford their medical bills take out a loan from their health insurer, the impact of the DSA on the Democratic party, and the continued Iran war. Learn more about your ad choices. Visit megaphone.fm/adchoices
Self-employed people who get their health insurance through the Marketplace need to know about the ACA subsidy changes in 2026.Example: Make too much money and you'll have to pay back all the premiums you received for the entire year. For me, that means *$24,000!!!Sean Mullaney, an Advice-Only Financial Planner, joins us to discuss various ways to control taxable income and ensure you don't go over the cliff and lose all your Premium Tax Credits.Disclaimer: The discussion is intended for general educational purposes only and is not tax, legal, or investment advice for any individual. Steve and the Podcast Editor Academy do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Key moments:(00:00) Download the free Handout: https://www.PodcastEditorAcademy.com/cliffhandout(03:41) What are ACA Subsidies and the Premium Tax Credit?(10:23) Tip #1: Delay Income(14:22) Tip #2: Accelerate Expenses(18:37) Tip #3: Contribute to HSA(24:53) Tip #4: Contribute to Solo 401(k)(28:25) Tip #5: Similarly, a SEP IRA(30:14) Tip #6: Deductible Traditional IRAs(31:41) Tip #7: Deductible SPOUSAL IRA(34:52) Get tax-free money out of your HSA(37:36) Pay yourself back from Roth IRA contributions(40:48) AVOID doing Roth Conversions(41:52) Charitable Contributions don't help(43:03) Planning for next year's health insurance(45:34) The final tip has a Difficulty Level 10 - but would work (listen for more)Resources mentioned in the show:Follow along with the free handout: https://www.PodcastEditorAcademy.com/cliffhandoutFind more at Sean's website: https://fitaxguy.comBuy the book "Tax Planning To and Through Early Retirement": https://www.measuretwicemoney.com/bookWatch the full, original, unedited webinar at https://www.PodcastEditorAcademy.com/subsidycliff*Disclosure: Steve Stewart estimates the Premium Tax Credit is worth approximately $24,000 to his family. Neither Steve nor Sean make any estimate as to how much the Premium Tax Credit or any other tax planning strategy might be worth to you or any other listener or viewer.Mentioned in this episode:New, Events, and Tips in the Podcast Editor Industry NewsletterPodcast Editing NEWS, Podcast Editing EVENTS, and Podcast Editing TIPS... You can get all this information FREE by subscribing to the Podcast Editor Industry newsletter. Podcast Editor Industry NewsletterThe Podcast Editor AcademyGet access to Steve Stewart's 35+ years of small business experience and decade of learning inside the Podcast Editor Academy - PLUS: -Weekly Challenges via email -Windshield University with our Private Podcast -Office HoursPodcast Editor AcademyThis podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy
Most people think about taxes once a year, when it's time to file their return. But tax preparation and tax planning are two very different things. Tax preparation looks backward. Tax planning looks forward. And when you're approaching retirement, that distinction can have a major impact on how much of your money you actually get to keep.In this episode, Kevin shares a story from earlier in his career that changed the way he thought about taxes and financial advice. Then he breaks down some of the biggest tax-planning opportunities retirees and those approaching retirement should be thinking about throughout the year, not just during tax season.We'll discuss capital gain and tax-loss harvesting, Social Security taxation, ACA premium tax credits, Medicare IRMAA surcharges, charitable giving strategies, qualified charitable distributions, Roth conversions, inherited IRAs, and more.More importantly, we'll look at how all of these decisions interact.Because good retirement tax planning isn't simply about paying the least amount of tax this year. It's about making intentional decisions today that could help you better manage your lifetime tax bill.If you're approaching retirement with significant savings and wondering whether you're being proactive enough about taxes, this episode will give you a framework for what to be thinking about before year-end.Are you interested in working with me 1 on 1? Click this link to fill out our Retirement Readiness QuestionnaireOr,visit my website ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multiple seven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.-KevinConnect with me here:YouTubeFollow the podcastJoin My Company NewsletterThis is for general education purposes only and should not be considered as tax, legal or investment advice.
Direct Primary Care no longer disqualifies patients from HSA eligibility. As of January 1, 2026, DPC membership fees are a qualified HSA expense at or below $150 per month for one person and $300 for a family. Above $150 you are not in violation. You are in the same gray zone DPC lived in for a decade, and the tax position belongs to the patient and their accountant, not to you.Dr. Phil Eskew (DO, JD, MBA) of DPC Frontier joins Dr. Maryal Concepcion to break down what changed and what it means for your practice, then walks through the Medicare opt-out calendar most physicians discover too late.KEY NUMBERS AND DATES $150/month per person, $300 family. Effective January 1, 2026. Opt-outs take effect only on January 1, April 1, July 1, October 1. Affidavit must be filed at least 30 days before the effective date. File by roughly December 1, 2026 to be opted out January 1, 2027. 90-day reversal window, but you must refund every membership dollar collected.QUESTIONS ANSWEREDCan patients use an HSA to pay for direct primary care? Yes, as of January 2026. Both old IRS objections were fixed: whether the fee is a medical expense, and whether membership disqualifies HSA contributions.Should I put "HSA eligible" on my website? No. Write "We accept HSA cards." Promising eligibility in your marketing or agreement takes on a tax position on your patient's behalf.How do I get under $150 without losing revenue? Enrollment fees are not compensation for care. Blood draws, injections, EKGs, and dispensed medications can price separately.What does the rule exclude? Prescription drugs other than vaccines, and lab services not typically done in an ambulatory primary care setting.If I opt out, can I still order labs and referrals? Yes. Opting out is not disenrollment. You stay credentialed and Medicare pays for labs, imaging, referrals, DME, and prescriptions you order.Where can I still work while opted out? VA, Indian Health Service, corrections, and hospice administrative work. Precepting usually requires participation. TRICARE requires Medicare participation. Medicaid uses ORP/OPR status, prohibited in Kentucky and Colorado.Does opt-out apply to Medicare Advantage? Yes. Opt-out applies to all Medicare programs nationwide. You cannot opt out selectively.MENTIONED DPC Frontier · McCarran-Ferguson Act (1945) · ACA primary care carve-out · bronze and catastrophic plans as HSA-compatible · capacity vs. competency · durable power of attorney · prior authorization escalation strategyHAVE A QUESTION? WE ANSWER THEM ON AIR. Leave a voicemail at mydpcstory.com/contact with your name, state, and question.NEXT EPISODE: ILLINOIS, timed to the Illinois DPC Summit, October 2 and 3, NIU Naperville. Subscribe to the My DPC Story newsletter at mydpcstory.com to know when it drops.Educational only. Not legal or tax advice. Dr. Eskew is not your attorney.Stand With Dr. Nyasha Spears and the Future of Patient-Centered Healthcare. Get the MEDICARE & MEDICARE ADVANTAGE OPEN ENROLLMENT SURVIVAL GUIDE at mydpcstory.com/shop! Get your copy of the Physician Owner's Planner today at mydpcstory.com/library Start using the done-for-you patient emails, scripts etc. in our 2027 Edition of the MEDICARE & MEDICARE ADVANTAGE OPEN ENROLLMENT SURVIVAL GUIDE at mydpcstory.com/shop!Support the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOADBecome A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube
In this episode of Health Affairs This Week, David Betts, founder and board chair at StoryFlight Labs, shares how his ALS diagnosis inspired him to launch StoryFlight Labs and develop Talk To Me Goose, an AI-powered tool that helps people with speech-limiting conditions retain their voice and communicate with loved ones. He discusses how AI can empower patients, the need for faster healthcare innovation, and policy changes that could improve access to ALS treatments and support.Sign up for Health Affairs' free newsletter to catch up on our new articles, podcasts, and events.
The Friday Five for August 14, 2026: Certification Updates 8/14/2026 New CMS Identity Proofing & Agent Authorization Rules Mark Zuckerberg's AI Manifesto CMS to Remove Xeljanz from Selected Drug List KFF Study on Medicare Spending Trends Get Connected:
Illuminate Podcast: Shining Light on the Darkness of Pornography
After betrayal, one question seems to take center stage: Why? Why did this happen? Why didn't you stop? Why didn't you tell me? In this episode, we explore why this question is so difficult to answer, and why even honest attempts at answering those questions often leave both partners feeling frustrated. We discuss what betrayed partners are really searching for when they ask "why," why recovering partners rarely have a satisfying answer early in recovery, and how truth, curiosity, and a willingness to understand can create far more healing than quick explanations ever could. Ultimately, this conversation is about shifting the focus from finding the perfect answer to building a process that restores reality, deepens understanding, and creates genuine safety over time. __________________________________ Take the Free Assessment: I created a short self-assessment to help you pinpoint exactly where you are in your healing right now, and what to focus on next. It takes just a few minutes, and you'll walk away with clarity instead of guessing. Find out where you are: https://whereismywork.com/ ______________________________ Download the Free Resource: You, Me, Us - A Way Forward After Betrayal When betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here. ______________________________ Join the Courageous Together™ Program Courageous Together™ isn't just another course, it's a trauma-informed roadmap that holds both of you in the healing process. If you've ever wondered “Where do we even start?” After betrayal, this program gives you the clarity and structure you need. It meets the betrayed partner's need for safety while guiding the recovering partner toward real accountability, creating a path forward that neither of you has to figure out on your own. Healing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection. You'll have access to: A structured healing framework with step-by-step guidance Video lessons and worksheets to build safety, accountability, and connection The option to join live group circles and support calls with me A private, secure community of others walking the same path Learn more and join us inside Courageous Together ______________________________ Stay Connected Website YouTube Instagram Facebook If this episode resonated with you, please share it with someone who might need it. And don't forget to leave a review! We'd love to hear how this podcast is supporting your healing journey. __________________________________ Watch on YouTube Prefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel __________________________________ About Geoff Steurer I am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children. About Jody Steurer Jody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.
When you're moving into retirement, you're most likely to be starting to ask yourself which investment accounts you should start drawing from first. There's really no universal answer—retirement withdrawal strategies are deeply personal and situation-dependent. But understanding the implications of each account type and the factors that influence withdrawal order can have a massive impact on your tax burden and the longevity of your assets. You will want to hear this episode if you are interested in... [00:00] Retirement withdrawal strategy options [06:37] Roth IRA and taxable accounts [07:47] Tax implications for investment gains [14:12] Roth IRA conversion strategy [16:17] Real-life retirement income strategies [19:36] Importance of a withdrawal strategy Understanding the Account Types and Their Tax Impact The foundation of your strategic withdrawal plan begins with understanding how each investment account is taxed: 1. Pre-tax Retirement Accounts These include traditional IRAs and 401(k)s, SEP IRAs, and similar plans. Contributions offer a tax deduction, and growth is tax-deferred, but withdrawals are taxed as ordinary income. These accounts are eventually subject to required minimum distributions (RMDs), currently beginning at age 73 or 75, depending on your birth year. Withdrawals here not only increase your reported income but can also impact Medicare premiums and Social Security taxation. 2. Roth Accounts Roth IRAs and Roth 401(k)s are funded with after-tax contributions. Qualified withdrawals are tax-free and—if the original contributor owns the account, not subject to RMDs in your lifetime. This makes Roth accounts especially valuable for flexible, later-stage withdrawals. 3. Taxable Brokerage Accounts These are standard investment accounts not designated for retirement. Withdrawals of principal do not create taxable events; only realized capital gains, dividends, and interest are reported for taxes. One major benefit: capital gains rates can be lower than ordinary income rates and may even reach 0% for some filers. Withdrawals can be easy to manage for opportunistic or requirement-driven needs. Questions to Consider with Personalized Withdrawal Planning Several personal factors play into the best withdrawal order: Are you retiring before 65 and in need of Affordable Care Act (ACA) health insurance? Do you want to minimize future RMDs or leave assets to heirs? When will you begin Social Security or receive pension income? What is your preferred tax bracket and desired lifestyle flexibility? These questions should be revisited regularly, as changes in tax law, health, or legacy wishes can affect your strategy. Real-World Withdrawal Scenarios Coordinating Withdrawals for ACA Subsidies Jonathan retires at 57, pre-Medicare, and must carefully manage his modified adjusted gross income (MAGI) to retain ACA health insurance subsidies. My suggested plan is to combine modest 401(k) withdrawals, reportable dividends, and money market interest to stay below the MAGI threshold. Additional cash needs are met from accounts, like the money market, which don't affect taxable income. This keeps his subsidy and aligns with income limits, demonstrating the need for multi-account coordination. Reducing Future RMDs and Leaving a Legacy Walter and Amy, 62, want to avoid burdening their heirs with high-tax inheritance on pre-tax accounts. Instead of focusing solely on paying the least tax today, they prioritize Roth conversions while Social Security is delayed, taking advantage of lower brackets now to transfer wealth into tax-free vehicles. Over several years, they could convert hundreds of thousands into Roth IRAs, significantly reducing future RMDs while maximizing wealth transfer. Minimizing Tax on Social Security Christian, 68, blends Social Security with distributions from non-taxable sources like his money market to avoid triggering federal taxes on his Social Security. Careful planning allows him to either keep Social Security tax-free or, with limited IRA withdrawals, incur only minimal tax. The Importance of Ongoing Review and Professional Advice Your withdrawal strategy is not a "set-and-forget" plan. Tax laws, account balances, and individual goals will change over time. I suggest annual reviews and, ideally, working with a specialized financial advisor to continually adjust the plan for optimal tax efficiency and income sustainability. A thoughtful approach, tailored to your personal circumstances and updated regularly, will help you balance tax efficiency, income needs, and legacy goals. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
Katy Talento ran healthcare at the White House Domestic Policy Council and helped push through the price transparency executive order. Now she runs health plans for a living, including for the convent where she once lived as a nun.She spends this episode on why a post-network world keeps hitting the same wall: the three-way contracts between carrier, TPA, and provider that make the network Plan A by force. She explains why she thinks those provisions violate the Sherman Act, what DOJ has started doing about it, and why the workarounds employers use today amount to an underground railroad rather than a functioning market.We also cover the 2026 CAA and the DOL rule that together make PBMs fiduciaries and may do the same to TPAs, her four-part "school choice for healthcare" plan to scale cash pay nationally, and the AI upcoding wave she thinks is breaking stop-loss actuarial models right now.If you've ever wondered why the obvious fix isn't available to you, this is the episode. Tune in."Nobody in the entire town understands employer-sponsored care. All the oxygen is on 20 million people on the ACA. But 180 million people over here, we're not doing any policy for." - Katy TalentoThank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro(00:01:05) From Epidemiologist to Capitol Hill(00:05:37) The Nun Years and Her First Client(00:10:50) Inside the Price Transparency Executive Order(00:16:58) Why Washington Ignores 180 Million People(00:20:33) What Transparency Data Can Actually Do Now(00:25:55) The Plantation Contracts(00:29:01) DOJ, the Sherman Act, and Anti-Competitive Provisions(00:33:04) The CAA and the DOL Rule That Reset Fiduciary Duty(00:39:16) Why the Big Three PBM Model Is Now Illegal(00:46:53) RBP's Access Problem: The Nuns at NYU Langone(00:54:54) The Holy Grail: One Cash Price(00:57:46) School Choice for Healthcare(01:13:43) AI Upcoding and Why Stop-Loss Models Broke(01:21:15) Closing Thoughts: Tell Your StoryKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/
Episode 266: This week we return to the bone yard, when we review 28 Years Later: The Bone Templefrom 2026. Howzat?!Make sure to follow up with us next week as we get ready for Autumn, with the 2014 animated Mini Series Over the Garden Wall.Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.
In this episode, Alan Condon, Editor-in-Chief at Becker's Healthcare, examines how ACA coverage changes are affecting hospital finances, why elective surgery volumes are softening, and what these trends could mean for nonprofit health systems facing tighter margins.
In this episode, Laura Dyrda, Vice President, Editor-in-Chief, Becker's Healthcare, discusses the latest CMS inpatient payment rule, rising ACA marketplace premiums, and the evolving Medicare Advantage landscape, along with what these changes mean for hospitals, health systems, and patient access to care.
For years, regional health plans benefited from powerful tailwinds: Medicare Advantage growth, Medicaid expansion, and a prospering ACA marketplace. But many of those growth engines have stalled, just as new pressures emerged: rising utilization, runaway spend, pricing uncertainty and more scrutiny from patients and policy makers. The result is a dramatically different financial reality for health plans. In 2024, only eight of 33 Blues plans reported positive operating margins. In this episode, host Rae Woods sits down with Jared Landis, Vice President of Advisory Board's Health Plan Research practice, to unpack how regional plans got here and the three-year turnaround strategy regional and Blues plans are now pursuing. Together, they explore the market forces that upended the payer playbook, the operational and pricing changes plans are making to stabilize performance, and how AI-enabled transformation could reshape the future of the insurance business. Stay tuned to the end of the episode for an update on the Rural Health Transformation Program, including a key deadline this fall. We're here to help: Episode | Ep. 257: Paul Markovich on new builds, breakups, and bold healthcare bets Episode | 305: “The work isn't easy, but it's clear”: How healthcare leaders are responding to the market Episode | 302: CMS announced the 2027 MA final rate. What do payers and providers need to know? Playlist | Radio Advisory Provider Strategy and Financial Outlook playlist Expert Insight | Can health plans turn their MA business around this year? Research | Health plan strategy Report | Rural health transformation funds: Where they're really going Ready-to-Use Slides | Health Plan Market Explorer Webinar | Understanding health plan decision-makers Sponsor link: Precision in motion: How digital tools support diabetes care providers A transcript of this episode as well as more information and resources can be found on RadioAdvisory.advisory.com.
In today's episode of Truth Wanted, ObjectivelyDan, Richard Gilliver, and Kelley Laughlin examine miracles, dreams, and the psychology behind seemingly supernatural experiences.Jacob in ID calls to express his gratitude for the show, explaining how it serves as his secular community after seven years of listening. Living in a rural area without much access to other atheists, he finds connection through the ACA shows. The hosts thank him for his support and encourage him to keep engaging with the community.Katie in VA shares her experiences with precognitive and visitation dreams, keeping a detailed dream journal of coincidental events. She describes dreams about deceased people and specific details that later seemed to come true. The hosts discuss Littlewood's Law, which explains how seemingly miraculous coincidences are statistically inevitable given enough opportunities. They explore the Texas Sharpshooter Fallacy, where people draw targets around bullet holes after the fact, and how memory can be unreliable. What psychological mechanisms might explain these experiences without invoking the supernatural? The conversation touches on how the Catholic Church evaluates miracles, mass hallucinations like Fatima, and the misinformation effect in eyewitness testimony. How do we distinguish between genuine precognition and pattern-seeking brains finding connections that aren't really there?Thank you for joining us this week! We will see you next time!Become a supporter of this podcast: https://www.spreaker.com/podcast/truth-wanted--3195473/support.
Dr. Oz's proposed 2027 CMS rules dropped, and I've been waiting all week to get into them. The push toward value-based care and Accountable Care Organizations continues, but the headline for anyone in private practice is the multiple procedure cut: if you bill an E&M code and a procedure on the same day, Medicare now pays 100% for the more expensive service and only 50% for the other, regardless of modifiers, regardless of whether they're for two totally separate problems. That is a direct assault on independent practices, and every commercial insurer will follow Medicare's lead. There's one small win. Mandating real-time electronic prior authorization across Medicare Advantage, Medicaid, and ACA marketplace plans One head-scratcher...Medicaid work requirements of 80 hours per month starting January 2027, which I suspect will land squarely on physicians' documentation burden. Also, everyone say it with me: physician compensation is 10% of U.S. healthcare expenditure. After the break, medical malpractice for ophthalmologists. A colleague just came out of a settlement, and it got me looking at the top drivers of ophthalmology lawsuits: cataract surgery complications, missed or delayed retinal detachments, glaucoma management failures, and post-op infections. The uncomfortable truth: the only way to avoid surgical complications is to not operate, and sometimes even perfect communication and documentation don't stop a lawsuit. But they help. Takeaways: The proposed 2027 CMS rules would pay only 50% for a second same-day service when an E&M visit is billed alongside a procedure, regardless of modifier, effectively a major reimbursement cut that will hit independent private practices hardest and be adopted by commercial insurers Physician compensation accounts for just 10% of total U.S. healthcare expenditure, yet Medicare physician reimbursement is cut nearly every year while hospital and insurer reimbursement continues to rise The 2027 rules push physicians further toward Accountable Care Organizations and value-based care, favoring large health systems and insurers over independent physician-owned practices, with one bright spot: mandatory real-time electronic prior authorization across Medicare Advantage, Medicaid, and ACA plans The top ophthalmology malpractice risks are cataract surgery complications (posterior capsule tears, retained lens fragments, unfulfilled patient expectations), missed or delayed retinal detachment diagnosis, glaucoma management failures (insufficient IOP monitoring), and post-op infections Per OMIC, the three biggest drivers of ophthalmology claims are documentation deficiencies, communication gaps, and technical performance, about 60% of claims involve surgical execution errors, and diligent documentation, brutally honest informed consent, and strong physician-patient rapport are the biggest mitigators To Get Tickets to Wife & Death: You can visit Glaucomflecken.com/live We want to hear YOUR stories (and medical puns)! Shoot us an email and say hi! knockknockhi@human-content.com Can't get enough of us? Shucks. You can support the show on Patreon for early episode access, exclusive bonus shows, livestream hangouts, and much more! – http://www.patreon.com/glaucomflecken Also, be sure to check out the newsletter: https://glaucomflecken.com/glauc-to-me/ If you are interested in buying a book from one of our guests, check them all out here: https://www.amazon.com/shop/dr.glaucomflecken If you want more information on models I use: Anatomy Warehouse provides for the best, crafting custom anatomical products, medical simulation kits and presentation models that create a lasting educational impact. For more information go to Anatomy Warehouse DOT com. Link: https://anatomywarehouse.com/?aff=14 Plus for 15% off use code: Glaucomflecken15 -- A friendly reminder from the G's and Tarsus: If you want to learn more about Demodex Blepharitis, making an appointment with your eye doctor for an eyelid exam can help you know for sure. Visit http://www.EyelidCheck.com for more information. Produced by Human Content Learn more about your ad choices. Visit megaphone.fm/adchoices
#736: A bride wants to spend $60,000 on her wedding — money that could grow to $800,000 in 40 years if she invested it instead. This week, three very different listener questions all boil down to the same fight: what the math says versus what actually makes you happy.