POPULARITY
Categories
427 episodes with accounts
129 episodes with accounts
104 episodes with accounts
54 episodes with accounts
77 episodes with accounts
44 episodes with accounts
72 episodes with accounts
54 episodes with accounts
37 episodes with accounts
43 episodes with accounts
39 episodes with accounts
20 episodes with accounts
33 episodes with accounts
25 episodes with accounts
24 episodes with accounts
31 episodes with accounts
38 episodes with accounts
17 episodes with accounts
15 episodes with accounts
30 episodes with accounts
14 episodes with accounts
45 episodes with accounts
14 episodes with accounts
10 episodes with accounts
11 episodes with accounts
9 episodes with accounts
12 episodes with accounts
9 episodes with accounts
8 episodes with accounts
21 episodes with accounts
9 episodes with accounts
9 episodes with accounts
11 episodes with accounts
11 episodes with accounts
8 episodes with accounts
26 episodes with accounts
51 episodes with accounts
22 episodes with accounts
14 episodes with accounts
8 episodes with accounts
12 episodes with accounts
9 episodes with accounts
16 episodes with accounts
8 episodes with accounts
19 episodes with accounts
6 episodes with accounts
7 episodes with accounts
17 episodes with accounts
7 episodes with accounts
8 episodes with accounts
14 episodes with accounts
7 episodes with accounts
6 episodes with accounts
8 episodes with accounts
Most people think they know where their money goes each month… but when they actually run an expense audit, they find hundreds—sometimes thousands—of dollars quietly leaking out of their budget. Today we're walking through how to run a simple expense audit, how to find those leaks, and how to use a "value matrix" to decide what's worth keeping—and what's quietly draining your life and your wallet. Key Tactical Takeaways Conduct an Expense Audit: Review your expenses for February to March to identify spending leaks. Utilize the Value Matrix: Categorize expenses into high/low joy and high/low cost to optimize spending. Regular Check-ins: Establish a routine of auditing and reflecting on your spending habits to refine financial strategies over time. Core Rules & Formulas Rule/Formulas Description Expense Audit Evaluate your spending regularly to identify leaks or unnecessary expenditures. Value Matrix A four-quadrant tool to assess expenses based on joy and cost: - High Joy, Low Cost (Best) - High Joy, High Cost (Consider optimizing) - Low Joy, Low Cost (Keep but examine) - Low Joy, High Cost (Cut or trim) Save 50% Rule Aim for a 50% savings rate to ensure financial security and independence. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description Expense Audit Challenge Community initiative to assess spending from February to March. Value Matrix Tool for analyzing expenses to prioritize spending based on joy and cost. YNAB (You Need A Budget) Budgeting tool that tracks spending efficiently; useful for expense audits. Monarch Money Expense tracking tool integrated with financial accounts for easier audits. Resources & References ChooseFI Community Platform Take Action Start Your Expense Audit: Begin reviewing your expenses now to uncover potential leaks. Engage with the Community: Share your audit findings and strategies on the ChooseFI platform. Utilize the Value Matrix: Apply this framework to reflect on your spending and make informed decisions. Listen to Episode 586 for more details on initiating your expense audit and understanding its importance.
Yo Quiero Dinero: A Personal Finance Podcast For the Modern Latina
What if having the right money system meant that when your family faced a crisis, finances were the last thing on your mind?In this episode, I'm sitting down with Sahirenys Pierce of Poised Finance and Lifestyle — one of the OG Latinas of personal finance on the internet — and she's sharing the story behind her High 5 Banking Method. Spoiler: it was born out of one of the scariest moments of her life, when her son needed open heart surgery and she realized that having organized finances meant she could focus entirely on him instead of scrambling for money. That's the real power of a system that works.We break down the full High 5 Banking Method — the five purpose-driven accounts, how to set them up without starting from scratch, when high-yield savings actually matters, and how to handle the very Latina reality of your family treating your emergency fund like a group savings account. We also get into her four household game changers that eliminate the mental load of running a home without losing your damn mind.Her book, The High 5 Banking Method: A Money System You Can Count On, drops March 3rd, 2026. Grab your copy — and one for someone you love too, because we're not out here building little rich silos. WE GET INTO:00:42 - Meet Sahirenys: Creator of the High 5 Banking Method02:14 - Growing Up Watching Her Parents Lose Everything in 200805:33 - From Pharmacy School to Financial Planning07:03 - Why Less Than 4% of CFPs Are People of Color09:04 - How Her Son's Heart Defect Inspired a Money System11:14 - Saving with Confidence: The Surgery Fund Story13:10 - How the System Held Up When Everything Went Wrong at Once14:42 - Breaking Down the 5 Accounts (2 Checking, 3 Savings)17:46 - Bills Checking vs. Lifestyle Checking: What Goes Where19:21 - Do All Your Accounts Have to Be at the Same Bank?20:25 - High-Yield Savings Accounts: Do You Actually Need Them?21:18 - Ally Bank's Savings Buckets Feature (Not Sponsored, Just Good)27:00 - Managing Family Financial Pressure the Cultural Way30:29 - The SOP: How to Cut, Keep, or Reduce Any Expense34:37 - The Four Game Changers for Running Your Household41:28 - Can Free-Spirited People Actually Use Systems?44:10 - What's Inside the BookKEY TAKEAWAYS:Why one checking and one savings account is keeping you stuckHow to set up five purpose-driven accounts without starting from scratchWhen to use high-yield savings — and when it doesn't actually matterHow to build an SOP so you're never scrambling financially in a crisisThe four household systems that eliminate the mental load of running a homeWhy financial systems aren't just about money — they're about protecting your familyCONNECT WITH SAHIRENYS:Instagram: @poisedfinanceandlifestyleWebsite: poisedlifestyle.comBook: The High 5 Banking Method — available at Barnes & Noble, Target, Walmart, and everywhere books are soldTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
This is a recap of the top 10 posts on Hacker News on March 08, 2026. This podcast was generated by wondercraft.ai (00:30): Ask HN: Please restrict new accounts from postingOriginal post: https://news.ycombinator.com/item?id=47300329&utm_source=wondercraft_ai(01:56): Agent Safehouse – macOS-native sandboxing for local agentsOriginal post: https://news.ycombinator.com/item?id=47301085&utm_source=wondercraft_ai(03:22): FrameBookOriginal post: https://news.ycombinator.com/item?id=47298044&utm_source=wondercraft_ai(04:48): Apple's 512GB Mac Studio vanishes, a quiet acknowledgment of the RAM shortageOriginal post: https://news.ycombinator.com/item?id=47296302&utm_source=wondercraft_ai(06:14): The changing goalposts of AGI and timelinesOriginal post: https://news.ycombinator.com/item?id=47299009&utm_source=wondercraft_ai(07:41): Ask HN: How to be alone?Original post: https://news.ycombinator.com/item?id=47296547&utm_source=wondercraft_ai(09:07): Cloud VM benchmarks 2026Original post: https://news.ycombinator.com/item?id=47293119&utm_source=wondercraft_ai(10:33): I ported Linux to the PS5 and turned it into a Steam MachineOriginal post: https://news.ycombinator.com/item?id=47296849&utm_source=wondercraft_ai(11:59): LibreOffice Writer now supports MarkdownOriginal post: https://news.ycombinator.com/item?id=47298885&utm_source=wondercraft_ai(13:26): Warn about PyPy being unmaintainedOriginal post: https://news.ycombinator.com/item?id=47293415&utm_source=wondercraft_aiThis is a third-party project, independent from HN and YC. Text and audio generated using AI, by wondercraft.ai. Create your own studio quality podcast with text as the only input in seconds at app.wondercraft.ai. Issues or feedback? We'd love to hear from you: team@wondercraft.ai
Send a textSupport the show
In this Five Question Friday (FQF) video, we cover these questions: 1. How to teach your significant other to manage the investments? (The Spouse Financial Survival Kit) 1. Start with a One-Pager a. Accounts b. Key Professionals c. Withdrawal Order d. Financial Overview Doc: https://docs.google.com/document/d/1W... 2. Financial Love Letterhttps://docs.google.com/document/d/1q... 3. Review the documents once a year2. When to Take RMDs? 1. Timing doesn't change amount (the amount is based on balance at end of last year) 2. RMDs must come before Roth conversions a. https://obliviousinvestor.com/rmd-tim... 3. Take QCDs first if you plan to have them count toward RMDs 4. If needed for spending, take as needed (monthly or quarterly) 5. If not, wait until later in the year3. How can I see the stocks owned by a target date retirement fund? Morningstar Investor: https://go.robberger.com/morningstar/4. How do you keep track of HSA expenses?https://docs.google.com/spreadsheets/...5. Why haven't I done a Roth conversion yet?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...
One in ten women are also being harmed. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved, visit LC.org.
Hi besties!!! We've got a Trail Creepy Account Tales Episode for you, which is the final part of our collab with National Park After Dark (for now MUAHAHAHAHA)!! Today, we have everything from a psycho screaming fox to an outdoorsmen serial killer and a crazy ass raccoon standoff to taking your bad ass dogs (we're looking at you Rudy) on hikes!!! We had such an amazing time with Cassie and Danielle and cannot wait to spend more time with them in the future! Make sure you tune into their show wherever you get your podcasts, and we will do this again soon!! All the love in the world for ya, besties!!! xoxoxoxo Head to https://Brodo.com/CACBESTIES for 20% off your first subscription order and use code CACBESTIES for an additional $10 off #ad #sponsor ---------------------- Need to Call Susan (Angel Wings and Healing Things)? Text Ellen at 704-562-3476 to book!! Make sure to tell her we sent you for a Besties only Special discount!! If you have a Creepy Account of your own you would like to submit, you can go to our Reddit (CreepsandCrimes) or email it to us at CREEPSANDCRIMES.CA@GMAIL.COM Creeps and Crimes Merch: https://creepsandcrimesmerch.com/ Join our OG Pick Me Cult (Patreon): https://patreon.com/creepsandcrimes SUBSCRIBE AND SUPPORT WHEREVER YOU GET YOUR PODCASTS: - Apple Podcast: https://podcasts.apple.com/us/podcast/creeps-and-crimes/id1533194848 - Spotify: https://open.spotify.com/show/0v2kntCCfdQOSeMNnGM2b6?si=bf5c137913dd4af7 - Youtube: https://youtube.com/@creepsandcrimespodcast?si=e6Lwuw6qvsEPBHzG Business Inquiries please contact Management: maggie@MRHentertainment.com FOLLOW US ON SOCIALS: Creeps and Crimes Podcast - Insta: https://www.instagram.com/creepsandcrimespodcast/?hl=en - Facebook: https://www.facebook.com/creepsandcrimespodcast/ - TikTok: https://www.tiktok.com/@creepsandcrimes Taylar Jane (True Crime Host) - Insta: @Taylarj - TikTok (True Crime Channel): @TaylarJane98 - TikTok (Personal): @TaylarJane1 Morgan Harris (Paranormal & Conspiracy Host) - Insta: @morgg.m - Tiktok: @morgg.m Want More Info? Check out our Website: www.creepsandcrimespodcast.com Send Us Mail & Fan Art to our PO Box!!! CREEPS AND CRIMES PODCAST PO BOX 11523 KNOXVILLE, TENNESSEE 37939 Have a Creepy Account You'd like to share and be featured on the Podcast? Email it to: CreepsAndCrimes.CA@gmail.com Submit it through the Portal on our Website (Listed above) or Post in on our Reddit Thread with the tag "creepy account" Love our TBB episodes and want to get in on the Action or submit an AIMS? Head over to our Reddit Community: @creepsandcrimes Need to contact us or request sources? Email us at creepsandcrimespodcast@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
On this episode of the AAF Exchange: the housing market, Trump Accounts, and energy costs. Joining us to discuss it all are AAF President Douglas Holtz-Eakin, Director of Financial Services Policy Thomas Kingsley, Director of Competition Policy Fred Ashton, and Director of Energy and Environmental Policy Shuting Pomerleau.
What retirees and pre-retirees should understand about moving a 401(k), investing through an IRA, and why Roth accounts continue to stand out for tax-free growth. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: http://PathfinderChat.com Buy the book, Roadmap For A Stress-Free Retirement: https://amzn.to/4gwy7uG Find Out Your Tax Bill: https://whatismytaxbill.com/
Today we're talking about Instagram accounts midlife women will enjoy following! I'm a fan recommendations Mindy's jelly Julie's curtains Marie's show We'd love to hear from you! Find us here: Instagram: Midlife Matters Podcast Website: midlifematterspodcast.com Email: midlifematterspodcast@gmail.com
Here is a question that should keep every sales leader up at night: What do you do when your team has gotten so comfortable managing their existing accounts that they have stopped prospecting for new ones? That is the challenge Jeff Velez brought to a recent episode of Ask Jeb. Jeff works in the real estate services industry, where referrals from agents, brokers, and affiliates drive most of the business. Retention matters. Relationships matter. But because there is always natural attrition, his team has drifted into full farmer mode. If you are shaking your head right now, you are not alone. This is one of the most common and most dangerous patterns I see in sales organizations today. The Farmer Mentality Is Killing Your Pipeline Your book of business is shrinking a little bit every single day. Accounts churn. Contacts leave. Referral partners move on. If your team is not consistently bringing in new logos, you are not standing still. You are moving backward. The reason salespeople drift into pure farming mode is just pure human nature. The bigger a rep’s book gets, the more comfortable they become. They are making money. Things are fine. Why grind through cold calls and new outreach when warm conversations with happy clients feel so much easier? And here is the other thing: calling invisible strangers is hard. The people in your existing accounts are happy to hear from you. The people you are prospecting to are not. That gap in friction is exactly why reps gravitate toward the path of least resistance every single time. The solution is not to yell at your salespeople. This is a leadership problem, not a salesperson problem. If you want your team to prospect, you have to build a system and a culture that makes prospecting non-negotiable. That starts with you. Leaders Are Repeaters If you want your team to prospect, you have to talk about it constantly. Every team meeting. Every one-on-one. Every morning huddle. Leaders are repeaters. You set the tone by what you say, what you measure, what you celebrate, and how you show up. That means when someone brings in a new logo, you ring the bell louder for that than you do for an account renewal. Renewals matter. High margin, great for the business. But if you want prospecting behavior, you have to reward and celebrate prospecting outcomes. Make sure you are not accidentally incentivizing people to farm existing account growth rather than hunt new business. That is a trap I have walked into with more organizations than I can count. You also need to take the guesswork out of who your team should be calling. Sales leaders who expect their reps to build their own prospecting lists and figure out their own targeting are setting their people up to fail. Build the list. Point them in the right direction. Get them in position to win. Then run prospecting blocks together. And I mean together. Do not send your team to the phones and retreat to your office. Lead from the front. Split the Job When You Can One of the hardest things about managing a referral-driven or relationship-heavy business is that you need people who can both hunt and farm. And the honest truth is that most people are not equally gifted at both. Hunters tend to get new business but sometimes burn relationships. Farmers build and maintain accounts beautifully but stop hunting the moment their book is comfortable. If your business can afford it, split the role. Have dedicated hunters focused on new logo creation. Have dedicated farmers or account managers focused on retention and expansion. Most small and mid-size organizations cannot do this fully, which means your leaders have to work twice as hard to build systems that force both behaviors. When you cannot split the job, you have to build structure into the day. Block time every morning specifically for new logo prospecting. It does not have to be a huge window. An hour. Two hours. But it has to be protected, consistent, and non-negotiable. And the leaders have to be visibly engaged in it, not hiding behind their screens while their people make calls. That single behavior sends more of a message than any speech ever will. This Is a Long Game Here is what I told Jeff, and what I will tell you: do not expect this to change overnight. Cultural shifts in sales organizations are slow and painful. You will have reps who resist. You will have leaders who get uncomfortable holding people accountable because they do not want the friction. Push through it anyway. Stake it in the ground. If you stay consistent in your messaging, your structure, and your expectations, you will start to see movement in twelve to eighteen months. New business will start coming in. Your team will start to feel the momentum. And that momentum builds on itself. I am dealing with this in my own organization right now. We got comfortable with our existing customers and pulled back on new outreach. The book feels fine until the day it does not, and by then you have already lost ground you cannot easily recover. A shrinking book is not sustainable. Full stop. Your Action Plan If you are a sales leader: Reset the expectation now. Make it clear that prospecting for new logos is part of the job description, not optional. Put it in writing. Talk about it constantly. Fix your compensation structure. If you are paying higher on renewals than on new business, fix that. You are paying for the behavior you are getting. Run prospecting blocks with your team. Not near your team. With your team. Lead from the front. Give them the list. Stop expecting reps to research, target, and build their own outreach pipeline. That is a leadership function. Celebrate new logos loudly. Ring the bell. Make it a bigger deal than anything else you celebrate. If you are a sales rep: Do not wait for your leader to force you. The reps who prospect consistently, even when their book is comfortable, are the ones who build the most durable careers. Treat your book like a leaky bucket. Something is always draining out. Your job is to fill it back up, every single day. Pick up the phone. Calling strangers is uncomfortable. Do it anyway. That discomfort is exactly what separates average reps from elite ones. The message is simple. A book of business that is not growing is a book of business that is dying. This is who we are. This is what we do. We prospect, every day, without exception. Want to take this to the next level in person? Join Sales Gravy at one of our live events, where we work with sales professionals and leaders to build the skills, mindset, and habits that drive elite performance. See all upcoming events at salesgravy.com/live.
I don't see anyone else talking about this, but it is absolutely crucial for anyone creating content in 2026. We should see ourselves mirrored in your hooks. So many people are missing this when they post, creating content that people simply consume instead of content they actually see themselves in. Taste driven content goes beyond simple product recommendations, it directly taps into our identities of who we are and who we want to be. So next time you start to tap post, I want you to ask yourself, will this grab their attention by taste alone? In this episode we'll be covering:How taste driven content makes your audience feel seen and connected when they are scrolling (solving 99% of your Instagram marketing problems!?)Examples of irresistible hooks, visual cues, and specific callouts that instantly align your brand with the people you truly want to serve. Creating value through connection and making sure people feel seen in your content.Using visual storytelling (B-roll, branding, and aesthetics) to quickly grab attention on Instagram and TikTok.Naming your audience's taste with identity call outs, building instant connection and engagement.Featured content in this episode:Jkb.journal: Your cleaner shouldn't need a warning labelJessandmissamelia: POV She kept you up all nightKaivalondon: Milestone ring stackBerlingerjewelry: Normalize smaller engagement ringsHenryjwade: Do you want to go camping?Lauramvila: When I say I want a big candleVivianshayhome: I'm an artist kitchen remodelRecommended episodes:Episode 19: Convert Viewers to Followers with the “That's Me” ReelEpisode 83: Use the REP Hook Formula and Start Filling in the Missing PiecesEpisode 92: This is the Era of Experiences and BelongingEpisode 96: Boost Retention Rates and Create Memorable Content that Feels HumanEpisode 97: We All Love Familiarity, Here's How to Create that Familiar Feeling in Your Content Episode 100: Use Identity Driven Content to Connect and Engage with Your AudienceSend a message!If you use the send a message option above, be sure to include your email address if you would like a reply! (Please allow 3-5 business days for a response) Join me in the Reels Lab! Love this conversation? Make sure to follow and subscribe so you never miss an episode. Connect with me on Instagram!
If you watched President Trump's recent State of the Union address, you probably heard about the new Trump accounts, also known as 530A accounts. In this episode, I break down how these tax-advantaged investment accounts are designed to work, who qualifies, and—just as importantly, what we still don't know. There's been a lot of excitement, especially around the $1,000 seed money for eligible children. But before you rush to open one, there are several unanswered questions that deserve your attention. What Are Trump Accounts—and Who Qualifies? Trump accounts were introduced under the 2025 "Big Beautiful Bill Act" and are designed to help U.S. children build long-term wealth. Parents, grandparents, and others can contribute up to $5,000 per year per child until age 18. To jumpstart participation, children born between January 1, 2025, and December 31, 2028, are eligible for a $1,000 federal seed contribution. Unlike a Roth IRA, these accounts do not require earned income to contribute. That's a major difference. Most children can't fund retirement accounts because they don't have income. These accounts are meant to give them a head start from birth. To qualify, a child must be a U.S. citizen, have a valid Social Security number, and be under age 18. Parents can apply either by filing IRS Form 4547 with their 2025 tax return or by visiting trumpaccounts.gov. You'll Want to Hear This Episode If You're Interested In… [01:00] How the $5,000 annual contribution limit works [01:45] Why these accounts don't require earned income [02:35] How to open an account through your tax return or online [03:00] The upcoming authentication process in May 2026 [03:40] Whether you can invest in individual stocks like Nvidia or Tesla [04:30] Why Treasury guidance suggests broad index funds instead [05:10] Whether billions in seed money could move the stock market [06:00] Which financial institutions may (or may not) offer these accounts [07:45] Potential gift tax filing requirements for contributions [08:45] How withdrawals at age 18 might be taxed The Investment Confusion and Market Impact One of the biggest points of confusion right now is how the funds will actually be invested. The Trump accounts website shows mockups featuring individual stocks like Nvidia, Caterpillar, Home Depot, and Tesla. That certainly grabs attention. But Treasury guidance suggests investments may be limited to broad U.S. equity index funds or mutual funds, not individual stocks. If that holds true, I actually think that may benefit most investors. Broad-based index funds have historically outperformed many individual stock pickers over time. But it's important to understand what you're signing up for before you contribute. Another question I address is whether these accounts could meaningfully impact the stock market. With over 3 million sign-ups already, the initial $1,000 seed funding could total more than $3 billion. Add in private contributions and potential employer matches, and that number could grow to $7–8 billion invested when markets reopen after July 4. That sounds significant, but compared to total daily trading volume, it's less than 2%. It may provide a small positive impact, but it's unlikely to cause a dramatic market surge. Taxes, Custodians, and the Big Unknown at Age 18 There are still major tax questions. Because contributions are considered gifts and the child doesn't have immediate access to the funds, this could create gift tax reporting complications. Even if contributions fall under the $19,000 annual exclusion (for 2026), a gift tax return may still be required due to the lack of "present interest." Then there's the big question: how will withdrawals be taxed at age 18? There's no upfront deduction for contributions, which means this isn't structured like a traditional IRA. But it's also not clearly a Roth. My expectation is that only the gains will be taxed, but we don't yet know whether that will be ordinary income or capital gains. Until we get final guidance, I strongly believe record-keeping will be critical. Track contributions carefully. If custodians change or records are lost, your child could face unnecessary tax complications later. For now, here's what we do know: if your child, or a grandchild, niece, or nephew, qualifies for the $1,000 seed money, make sure the account gets opened. Even with unanswered questions, that initial funding is meaningful. Resources Mentioned TrumpAccounts.gov RetireWithRyan.com Retirement Readiness on Demand Discount Code: RETIRE99 Connect With Ryan Subscribe to the Retire With Ryan YouTube Channel Download my entire book for FREE
Money Talks is hosted by Ryder Taff, Managing Partner at New Perspectives and Meredith DeLaune, financial analyst at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, we talk about Trump accounts; what they are and how they work. If you enjoy listening to this podcast, please consider contributing to MPB. https://donate.mpbfoundation.org/mspb/podcast Hosted on Acast. See acast.com/privacy for more information.
A Super Bowl commercial sparks a conversation that could quietly reshape how families think about long‑term wealth. Mike and Ryan explore the new “Trump accounts,” a government‑seeded savings option for children that blends features of IRAs with long‑term compounding potential. The discussion breaks down who can open these accounts, contribution limits, tax treatment, and how parents and grandparents might use them alongside or instead of 529 plans. Mike and Ryan also compare flexibility, legacy planning considerations, and why starting early changes the math in dramatic ways. It’s a timely look at a new tool entering the family financial planning landscape. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:
Cody Garrett provides an in-depth analysis of the changing landscape of health insurance in the U.S., focusing on the Affordable Care Act (ACA) and adjustments to premium tax credits. He emphasizes the critical role that zip codes play in determining healthcare costs and highlights the importance of understanding the 400% federal poverty level cliff, which poses financial risks for many families. Various health insurance options are discussed, including COBRA, retiree coverage, health sharing ministries, and private insurance, equipping listeners with vital insights for making informed healthcare decisions. Listeners will learn actionable strategies for tax planning related to health insurance, including how to maximize benefits and minimize costs while navigating available healthcare options effectively. Key Tactical Takeaways Understand Income Levels: Monitor your income to avoid going over the 400% federal poverty level, which can eliminate premium tax credit eligibility. Evaluate COBRA Costs: Review code DD on your W-2 to understand total health insurance premiums and assess whether continuing with COBRA is financially wise. Explore Health Sharing Ministries: These may have lower premiums but lack the legal protections of traditional insurance; evaluate carefully. Use HSA Contributions: Contribute to Health Savings Accounts to lower taxable income and potentially maintain premium tax credits; you can contribute even without earned income. Utilize Marketplace Resources: Access healthcare.gov to determine premium tax credits based on your specific circumstances, including zip code and household income. Be Cautious with Tax Planning: Adjust advanced premium tax credits based on estimated income cautiously to avoid unexpected tax liabilities. Core Rules & Formulas Rule/Formula Description 400% Poverty Level Threshold Know the household income limits that could affect premium tax credits. COBRA Cost Calculation Employee + Employer Premium (W-2 code DD x 102%) = COBRA Costs. HSA Contribution Can lower modified adjusted gross income; contribute by April 15 without earned income requirements. Premium Tax Credit Calculation Estimated Credit = Based on adjusted gross income, household size, and the second lowest-cost silver plan. Adjust Premium Tax Credits You can change the advanced credit amount month-to-month via healthcare.gov. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description healthcare.gov Website for ACA marketplace and health insurance options. Health Savings Account (HSA) Account for saving for healthcare costs that reduces taxable income. COBRA Coverage Allows continuation of employer health insurance post-employment. Health Sharing Ministries Group healthcare cost-sharing options that offer lower premiums but higher risk. Private Insurance Individual insurance plans that require medical underwriting. Resources & References Tax Planning to and Through Early Retirement Cody's Website What Next? Review your income and health insurance options during open enrollment. Assess your COBRA costs by checking your W-2 for current premium data. Explore HSA contributions to manage your taxable income prudently. Adjust advanced premium tax credits through healthcare.gov based on changes in your financial situation. For further clarity on health insurance strategies, consider consulting a financial planner to avoid potential costly mistakes.
Last time we spoke about General Zhukov's armor offensives at Nomohan. Following heavy Japanese losses in May and June, General Georgy Zhukov arrives in June, reorganizes the Soviet 1st Army Group, and bolsters it with tanks, artillery, and reinforcements. The July offensive sees General Komatsubara's forces cross the Halha River undetected, achieving initial surprise. However, General Yasuoka's tank assault falters due to muddy terrain, inadequate infantry support, and superior Soviet firepower, resulting in heavy losses. Japanese doctrine emphasizing spiritual superiority clashes with material realities, undermining morale as intelligence underestimates Soviet strength. Zhukov learns key lessons in armored warfare, adapting tactics despite high casualties. Reinforcements pour in via massive truck convoys. Japanese night attacks and artillery duels fail, exposing logistical weaknesses. Internal command tensions, including gekokujo defiance, hinder responses. By August, Stalin, buoyed by European diplomacy and Sorge's intel, greenlights a major offensive. Zhukov employs deception for surprise. Warnings of Soviet buildup are ignored, setting the stage for a climactic encirclement on August 20. #191 Zhukov Steel Ring of Fire at Nomohan Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. On the night of August 19–20, under cover of darkness, the bulk of the Soviet 1st Army Group crossed the Halha River into the expanded Soviet enclave on the east bank. Two weeks of nightly Soviet sound effects had paid off: Japanese perimeter troops failed to distinguish the real deployment from the frequently heard simulations. Zhukov's order of battle was as follows: "Northern force, commanded by Colonel Alekseenko—6th Mongolian Cavalry Division, 601st Infantry Regiment (82nd Division), 7th Armored Brigade, 2 battalions of the 11th Tank Brigade, 82nd Artillery Regiment, and 87th Anti-tank Brigade. Central force, where Zhukov was located, commanded by his deputy, Colonel Petrov—36th Motorized Infantry Division, 82nd Infantry Division (less one regiment), 5th Infantry Machine Gun Brigade. Southern force, commanded by Colonel Potapov—8th Mongolian Cavalry Division, 57th Infantry Division, 8th Armored Brigade, 6th Tank Brigade, 11th Tank Brigade (less two battalions), 185th Artillery Regiment, 37th Anti-tank Brigade, one independent tank company. A mobile strategic reserve built around the 212th Airborne Regiment, the 9th Mechanized Brigade, and a battalion of the 6th Tank Brigade was held west of the Halha River." The Soviet offensive was supported by massed artillery, a hallmark of Zhukov's operations in the war against Germany. In addition to nearly 300 antitank and rapid-fire guns, Zhukov deployed over 200 field and heavy artillery pieces on both sides of the Halha. Specific artillery batteries were assigned to provide supporting fire for each attacking infantry and armored unit at the battalion level and higher. In the early hours of August 20, the sky began to lighten over the semiarid plain, with the false promise of a quiet Sunday morning. The air was clear as the sun warmed the ground that had been chilled overnight. General Komatsubara's troops were in no special state of readiness when the first wave of more than 200 Soviet bombers crossed the Halha River at 5:45 a.m. and began pounding their positions. When the bombers withdrew, a thunderous artillery barrage began, continuing for 2 hours and 45 minutes. That was precisely the time needed for the bombers to refuel, rearm, and return for a second run over the Japanese positions. Finally, all the Soviet artillery unleashed an intensive 15-minute barrage at the forwardmost Japanese positions. Komatsubara's men huddled in their trenches under the heaviest bombardment to which they or any other Japanese force had ever been subjected. The devastation, both physical and psychological, was tremendous, especially in the forward positions. The shock and vibration of incoming bombs and artillery rounds also caused their radiotelegraph keys to chatter so uncontrollably that frontline troops could not communicate with the rear, compounding their confusion and helplessness. At 9:00 a.m., Soviet armor and infantry began to move out along the line while their cover fire continued. A dense morning fog near the river helped conceal their approach, bringing them in some sectors to within small-arms range before they were sighted by the enemy. The surprise and disarray on the Japanese side was so complete, and their communications so badly disrupted, that Japanese artillery did not begin firing in support of their frontline troops until about 10:15 a.m. By then, many forward positions were overrun. Japanese resistance stiffened at many points by midday, and fierce combat raged along the front, roughly 40 miles long. In the day's fighting, Colonel M. I. Potapov's southern force achieved the most striking success. The 8th MPR Cavalry Division routed the Manchukuoan cavalry holding Komatsubara's southern flank, and Potapov's armor and mechanized infantry bent the entire southern segment of the Japanese front inward by about 8 miles in a northwesterly direction. Zhukov's central force advanced only 500–1,500 yards in the face of furious resistance, but the frontal assault engaged the center of the Japanese line so heavily that Komatsubara could not reinforce his flanks. Two MPR cavalry regiments and supporting armor and mechanized infantry from Colonel Ilya Alekseenko's northern force easily overran two Manchukuoan cavalry units guarding the northern flank of the Japanese line, about 2 miles north of the Fui Heights. But the heights themselves formed a natural strong point, and Alekseenko's advance was halted at what became the northern anchor of the Japanese line. As the first phase of the Soviet offensive gathered momentum, General Ogisu, the 6th Army's new commander, assessed the situation. Still unaware of Zhukov's strength, he reassured KwAHQ that "the enemy intends to envelop us from our flanks, but his offensive effectiveness is weak… Our positions in other areas are being strengthened. Set your mind at ease." This optimistic report contributed to Kwantung Army's delay in reinforcing the 23rd Division. Some at KwAHQ suspected this might be another limited Soviet push, like Aug 7–8, that would soon end. Others worried it was a diversion prior to a larger offensive and were concerned but not alarmed about Komatsubara's position. On Aug 21–22, Potapov's southern force pierced the Japanese main defense line at several points, breaking the southern sector into segments that the attackers sealed off, encircled, and ground down. Soviet armor, mechanized infantry, and artillery moved swiftly and with deadly efficiency. Survivors described how each pocket of resistance experienced its own hellish period. After the Japanese heavy weapons in a pocket were neutralized, Soviet artillery and tanks gradually tightened the ring, firing at point-blank range over open sights. Flame-throwing tanks incinerated hastily constructed fortifications and underground shelters. Infantry mopped up with grenades, small arms, and bayonets. By the end of Aug 23, Potapov had dismembered the entire Japanese defensive position south of the Holsten River. Only one significant pocket of resistance remained. Meanwhile, Potapov's 8th Armored Brigade looped behind the Japanese, reaching southeast of Nomonhan, some 11 miles east of the river junction, on the boundary claimed by the MPR, and took up a blocking position there athwart the most likely line of retreat for Japanese units south of the Holsten. In those two days, the Japanese center yielded only a few yards, while the northern flank anchored at Fui Heights held firm. Air combat raged over the battlefield. Soviet air units provided tactical support for their armor and infantry, while Kwantung Army's 2nd Air Group strove to thwart that effort and hit the Soviet ground forces. Before Nomonhan, the Japanese air force had not faced a modern opponent. Japanese fliers had roamed largely unchallenged in Manchuria and China from 1931 to 1939. At Nomonhan, the Soviets enjoyed an advantage of roughly 2:1 in aircraft and pilots. This placed an increasingly heavy burden on Japanese air squadrons, which had to fly incessantly, often against heavy odds. Fatigue took its toll and losses mounted. Soviet and Japanese accounts give wildly different tallies of air victories and losses, but an official Japanese assessment after the battle stated, "Nomonhan brought out the bitter truths of the phenomenal rate at which war potential is sapped in the face of superior opposition." As with tank combat, the Soviet air superiority was qualitative as well as quantitative. In June–early July, the Soviet I-16 fighters did not fare well against the Japanese Type 97 fighter. However, in the lull before the August offensive, the Soviets introduced an improved I-16 with armor-plated fuselage and windshield, making it virtually impervious to the Type 97's light 7.7-mm guns. The Japanese countered by arming some planes with heavier 12.7-mm guns, which were somewhat more effective against the new I-16s. But the Soviet pilots discovered that the Type-97's unprotected fuel tank was an easy mark, and Japanese planes began to burn with horrendous regularity. On Aug 23, as Ribbentrop arrived in Moscow to seal the pact that would doom Poland and unleash war in Europe, the situation at Nomonhan was deemed serious enough by Kwantung Army to transfer the 7th Division to Hailar for support. Tsuji volunteered to fly to Nomonhan for a firsthand assessment. This move came too late, as Aug 23–24 proved the crucial phase of the battle. On Tue night, Aug 22, at Japanese 6th Army HQ, General Ogisu ordered a counterattack to push back the Soviet forces enveloping and crushing the Japanese southern flank. Komatsubara planned the counterattack in minute detail and entrusted its execution to his 71st and 72nd Regiments, led by General Kobayashi Koichi, and the 26th and 28th Regiments of the 7th Division, commanded by General Morita Norimasa. On paper this force looked like two infantry brigades. Only the 28th Regiment, however, was near full strength, though its troops were tired after marching about 25 miles to the front the day before. This regiment's peerless commander was Colonel Morita Toru (unrelated to General Morita). The chief kendo fencing master of the Imperial Army, Morita claimed to be invulnerable to bullets. The other three regiments were seriously understrength, partly due to combat attrition and partly because several of their battalions were deployed elsewhere on the front. The forces Kobayashi and Morita commanded that day totaled less than one regiment each. It was not until the night of Aug 23 that deployment and attack orders filtered down to the Japanese regiment, battalion, and company commanders. Due to insufficient truck transport and the trackless terrain, units were delayed reaching their assigned positions in the early morning of Aug 24, and some did not arrive at all. Two battalions of the 71st Regiment did not reach Kobayashi in time; his attack force that morning consisted of two battalions of the 72nd Regiment. Colonel Sumi's depleted 26th Regiment did not arrive in time, and General Morita's assault force consisted of two battalions of the 28th Regiment and a battalion-equivalent independent garrison unit newly arrived at the front. Because of these delays, the Japanese could not reconnoiter enemy positions adequately before the attack. What had been planned as a dawn assault would begin between 9:30 and 10:00 a.m. in broad daylight. The light plane carrying Tsuji on the final leg of his flight from Hsinking-Hailar-Nomonhan was attacked by Soviet fighters and forced to land behind the 72nd Regiment's staging area. Tsuji managed to reach General Kobayashi's command post by truck and on foot, placing him closer to the fighting than he anticipated. Just before the counterattack began, a dense fog drifted across part of the battlefield, obscuring visibility and limiting artillery effectiveness. Using the fog to mask their movement, lead elements of the 72nd Regiment moved toward a distant stand of scrub pines. As they approached, the trees began to move away—the stand was a well-camouflaged Soviet tank force. The tanks then maneuvered to the south, jeopardizing further Japanese advance. As the fog cleared, the Japanese found themselves facing a much larger enemy force. A vastly heavier Soviet barrage answered their renewed artillery fire. Kobayashi and Morita discovered too late that their counterattack had walked into the teeth of far stronger Soviet forces. One account calls it "The Charge of Two Light Brigades." Kobayashi's 72nd Regiment encountered the Soviet T-34, with its thick sloped armor and 76-mm gun—the most powerful tank in 1939. In addition, the improved Soviet BT-5/7 tanks, powered by diesel, were less prone to ignition. On gasoline-powered vehicles, the Soviets added wire netting over the ventilation grill and exhaust manifold, reducing the effectiveness of hand-thrown gasoline bombs. Japanese infantry regiments suffered near 50% casualties that day. Nearly every battalion and company commander was lost. Kobayashi was gravely wounded by a tank shell fragment and nearly trampled by fleeing troops. He survived the battle and the Pacific War but died in a Soviet POW camp in 1950. Morita's 28th Regiment fared little better. It was pinned down about 500 yards from the Soviet front lines by intense artillery. Unable to advance and not permitted to retreat, Morita's men dug into the loose sand and withstood the bombardment, but were cut to pieces. Shortly after sunset, the remnants were ordered to withdraw, but both regiments were shattered. Tsuji, a survivor, rejoined Komatsubara at his command post. Upon receiving combat reports from the 72nd and 28th Regiments, General Komatsubara "evinced deep anxiety." 6th Army chief of staff Major General Fujimoto Tetsukuma, at Komatsubara's command post, "appeared bewildered," and announced he was returning to headquarters, asking if Tsuji would accompany him. The major declined and later recalled that he and Komatsubara could barely conceal their astonishment at Fujimoto's abrupt departure at such a time. Meanwhile, at the northern end of the line, Colonel Alekseenko's force had been hammering at Fui Heights for 3 days without success. The position was held by about 800 defenders under Lieutenant Colonel Ioki Eiichiro, consisting of two infantry companies; one company each of cavalry, armored reconnaissance, and combat engineers; and three artillery batteries (37-mm and 75-mm guns). The defenders clung tenaciously to the strongpoint created by the heights and their bunkers, inflicting heavy losses on Alekseenko's force. The unexpectedly strong defense disrupted the timing of the entire Soviet offensive. By Aug 23, Zhukov was exasperated and losing patience with the pace in the north. Some of Zhukov's comrades recall a personable chief who played the accordion and urged singing during happier times. Under stress, his harshness and temper surfaced. Zhukov summoned Alekseenko to the telephone. When the northern commander expressed doubt about storming the heights immediately, Zhukov berated him, relieved him on the spot, and entrusted the attack to Alekseenko's chief of staff. After a few hours, Zhukov called again and, finding that the new commander was slow, fired him as well and sent a staff member to take charge. Accounts record that his tirades sometimes included the phrase "useless bag of shit," though others note harsher language was used toward generals who did not meet expectations. That night, reinforced by the 212th Airborne Regiment, heavier artillery, and a detachment of flame-throwing tanks, the northern force renewed its assault on Fui Heights. The battered Japanese defenders were thoroughly overmatched. Soviet artillery fired at two rounds per second. When the last Japanese artillery was knocked out, they no longer could defend against flame-throwing tanks. From several miles away, Colonel Sumi could see the heights shrouded in black smoke and red flames "spitting like the tongues of snakes." After Aug 22, supply trucks could no longer reach Fui Heights. The next afternoon, Colonel Ioki's radio—the last link to the 23rd Division—was destroyed. His surviving men fought on with small arms and grenades, repelling Soviet infantry with bayonet charges that night. By the morning of Aug 24, Ioki had about 200 able-bodied men left of his original 800. Soviet tanks and infantry had penetrated defenses at several points, forcing him to constrict his perimeter. Red flags flew on the eastern edge of the heights. Ioki gathered his remaining officers to discuss last measures. With little ammunition and almost no food or water, their situation seemed hopeless. But Ioki insisted on holding Fui Heights to the last man, arguing that the defense should not be abandoned and that orders to break out should come only with reinforcements and supplies. Some subordinates urged retreat. Faced with two dire options, Ioki drew his pistol and attempted suicide, but a fellow officer restrained him. Rather than see his men blown to bits, Ioki decided to abandon Fui Heights and retreat east. Those unable to walk received hand grenades with the injunction to blow themselves up rather than be captured. On the night of Aug 24–25, after moonrise, the remaining resistance at the heights was quelled, and Soviet attention shifted south. Ioki's battered remnant slipped out and, the next morning, encountered a Manchukuoan cavalry patrol that summoned trucks to take them to Chaingchunmiao, forty miles away. Russians occupying Fui Heights on Aug 25 counted the corpses of over 600 Japanese officers and men. After securing Fui Heights, the Soviet northern force began to roll up the Japanese northern flank in a wide arc toward Nomonhan. A day after the fall of Fui Heights, elements of the northern force's 11th Tank Brigade linked up with the southern force's 8th Armored Brigade near Nomonhan. A steel ring had been forged around the Japanese 6th Army. As the Japanese northern and southern flanks dissolved under Zhukov's relentless assaults, Komatsubara's command ceased to exist as an integrated force. By Aug 25 the Japanese lines were completely cut, with resistance remaining only in three encircled pockets. The remnants of two battalions of General Morita's "brigade" attempted a renewed offensive on Aug 25, advancing about 150 yards before being hammered by Soviet artillery and tanks, suffering heavier casualties than the day before. The only hope for the surrounded Japanese troops lay in a relief force breaking through the Soviet encirclement from the outside. However, Kwantung Army was spread thin in Manchuria and, due to a truck shortage, could not transport the 7th Division from Hailar to the combat zone in time. By Aug 26 the encirclement had thickened, with three main pockets tightly invested, making a large-scale breakout nearly impossible. Potapov unleashed a two-pronged assault with his 6th Tank Brigade and 80th Infantry Regiment. Japanese artillery from the 28th Regiment temporarily checked the left wing of the armored attack, but the Soviet right wing overran elements of Sumi's 26th Regiment, forcing the Japanese to retreat into a tighter enclave. Morita, the fencing-master commander who claimed to be immune to bullets, was killed by machine-gun fire while standing atop a trench encouraging his men. The Japanese 120-mm howitzers overheated under the August sun; their breech mechanisms swelled and refused to eject spent casings. Gunners had to leap from behind shelter to ram wooden rods down the barrels, drastically reducing rate of fire and life expectancy. Komatsubara's artillery units suffered a bitter fate. Most were deployed well behind the front lines with their guns facing west toward the Halha. As the offensive developed, attackers often struck the batteries from the east, behind them. Even when crews could turn some guns to face east, they had not preregistered fields of fire there and were not very effective. Supporting infantry had already been drawn off for counterattacks and perimeter defense. One by one, Japanese batteries were smashed by Soviet artillery and tanks. Crews were expected to defend their guns to the last man; the guns themselves were treated as the unit's soul, to be destroyed if captured. In extremis, crews were to destroy sensitive parts like optics. Few survived. Among those who did was a PFC from an annihilated howitzer unit, ordered to drive one of the few surviving vehicles, a Dodge sedan loaded with seriously wounded men, eastward to safety during the night. Near a Holsten River bridge he encountered Soviet sentries. The driver hesitated, then honked his horn, and the guards saluted as the sedan sped past. With water supplies exhausted and unable to reach the Halha or Holsten Rivers, the commander of the easternmost enclave ordered his men to drain radiator water from their vehicles. Drinking the foul liquid, at the cost of immobilizing their remaining transport, signaled that the defenders believed their situation was hopeless. On Aug 27 the rest of the Japanese 7th Division, two fresh infantry regiments, an artillery regiment, and support units totaling barely 5,000 men—reached the northeastern segment of the ring around Komatsubara. One day of hard fighting revealed they lacked the strength to break the encirclement. General Ogisu ordered the 7th Division to pull back and redeploy near his own 6th Army headquarters, about 4 miles east of Nomonhan and the border claimed by the enemy. There would be no outside relief for Komatsubara's forces. Throughout Aug 27–28, Soviet aircraft, artillery, armor, and infantry pounded the three Japanese pockets, compressing them into ever-smaller pockets and grinding them down. The surrounded Japanese fought fiercely and inflicted heavy casualties, but the outcome was inevitable. After the remaining Japanese artillery batteries were silenced, Soviet tanks ruled the battlefield. One by one, major pockets were overrun. Some smaller groups managed to slip through Soviet lines and reach safety east of the border claimed by the MPR, where they were left unmolested by the Red Army. Elements of Potapov's 57th and 82nd Divisions eliminated the last remnants of resistance south of the Holsten by the evening of Aug 27. North of the Holsten, during the night of Aug 28–29, a group of about 400 Japanese tried to slip east through the Soviet lines along the riverbank. They were spotted by the 293rd Regiment (57th Division), which struck them. The fleeing Japanese refused to surrender and were wiped out attempting to recross the Holsten. Japanese soldiers' refusal to surrender is well documented. Surrender was considered dishonorable; the Army Field Manual was silent on surrender. For officers, death was not merely preferable to surrender; it was expected, and in some cases required. The penal code (1908, not revised until 1942) stated that surrender was dereliction of duty; if a commander did his best to resist, imprisonment could follow; if not, death. Stemming from Bushido, regimental colors were treated as sacred. On the afternoon of Aug 28, with much of his 64th Regiment destroyed, Colonel Yamagata saw no alternative but to burn the regimental colors and then commit suicide. Part of the flagpole had been shattered; the chrysanthemum crest damaged. Yamagata, Colonel Ise (artillery regimental commander), an infantry captain, a medical lieutenant, and a foot soldier—the last survivors of the headquarters unit—faced east, shouted "banzai" for the emperor, drenched the pennant in gasoline, and lit it. Yamagata, Ise, and the captain then shot themselves. The flag and crest were not entirely consumed, and the unburned remnants were buried beneath Yamagata's unmarked body. The medical officer and the soldier escaped and reported these rites to 6th Army HQ, where the deaths of the two colonels were mourned, but there was concern over whether the regimental colors had been entirely destroyed. On Aug 29, Lieutenant Colonel Higashi Muneharu, who had taken command of the 71st Regiment, faced the same dilemma. The regimental standard was broken into four pieces and, with the flag and chrysanthemum crest, drenched with fuel and set on fire. The fire kept going out, and the tassels were especially hard to burn. It took 45 minutes to finish the job, all under enemy fire. Afterward, Higashi urged all able to join him in a suicide charge, and the severely wounded to "kill themselves bravely when the enemy approached." Soviet machine-gun fire and grenades felled Higashi and his followers within moments. When it became clear on Aug 29 that all hope was lost, Komatsubara resolved to share the fate of his 23rd Division. He prepared to commit suicide, entrusted his will to his aide, removed his epaulets, and burned his code books. General Ogisu ordered Komatsubara to save himself and lead as many of his men as possible out of the encirclement. Shortly before midnight on Aug 30, the bulk of the Soviet armor briefly pulled back to refuel and resupply. Some of the Soviet infantry also pulled back. Komatsubara and about 400 survivors of his command used the opportunity to slip through the Soviet lines, guiding wounded by starlight to safety at Chiangchunmiao on the morning of Aug 31. Tsuji was among the survivors. In transit, Komatsubara was so distraught he needed to be restrained from taking his own life. A fellow officer took his pistol, and two sturdy corporals helped to support him, preventing him from drawing his sword. On August 31, Zhukov declared the disputed territory between the Halha River and the boundary line through Nomonhan cleared of enemy troops. The Sixth Army had been annihilated, with between 18,000 and 23,000 men killed or wounded from May to September (not counting Manchukuoan losses). The casualty rate in Komatsubara's 23rd Division reached 76%, and Sumi's 26th Regiment (7th Division) suffered 91% casualties. Kwantung Army lost many of its tanks and heavy guns and nearly 150 aircraft. It was the worst military defeat in modern Japanese history up to that time. Soviet claims later put total Japanese casualties at over 50,000, though this figure is widely regarded as inflated. For years, Soviet-MPR authorities claimed 9,284 casualties, surely an underestimate. A detailed unit-by-unit accounting published in Moscow in 2002 put Soviet losses at 25,655 (9,703 killed, 15,952 wounded), plus 556 MPR casualties. While Soviet casualties may have exceeded Japanese losses, this reflects the fierceness of Japanese defense and questions Zhukov's expenditutre of blood. There was no denying, however, that the Red Army demonstrated substantial strength and that Kwantung Army suffered a serious defeat. Knowledgeable Japanese and Soviet sources agree that given the annihilation of Komatsubara's forces and the dominance of Soviet air power, if Zhukov had pressed beyond Nomonhan toward Hailar, local Japanese forces would have fallen into chaos, Hailar would have fallen, and western Manchuria would have been gravely threatened. But while that might have been militarily possible, Moscow did not intend it. Zhukov's First Army Group halted at the boundary line claimed by the MPR. A Japanese military historian notes that "Kwantung Army completely lost its head." KwAHQ was enraged by the battlefield developments. Beyond the mauling of the Sixth Army at Nomonhan, there was anxiety over regimental colors. It was feared that Colonel Yamagata might not have had time to destroy the imperial crest of the 64th Regiment's colors, which could have fallen into Soviet hands. Thousands of dead and wounded littered the field. To preserve "face" and regain leverage, a swift, decisive counterstroke was deemed necessary. At Hsinking, they decided on an all-out war against the USSR. They planned to throw the 7th, 2nd, 4th, and 8th Divisions into the Sixth Army, along with all heavy artillery in Manchukuo, to crush the enemy. Acknowledging shortages in armor, artillery, and air power, they drafted a plan for a series of successive night offenses beginning on September 10. This was viewed as ill-advised for several reasons: September 10 was an unrealistic target given Kwantung Army's limited logistical capacity; it was unclear what the Red Army would be doing by day, given its superiority in tanks, artillery, and air power; autumn would bring extreme cold that could immobilize forces; and Germany's alliance with the Soviet Union isolated Japan diplomatically. These factors were known at KwAHQ, yet the plan proceeded. Kwantung Army notified AGS to "utilize the winter months well," aiming to mobilize the entire Japanese Army for a decisive spring confrontation. However, the Nomonhan defeat coincided with the Hitler-Stalin pact's diplomatic fallout. The push for close military cooperation with Germany against the Soviet Union was discredited in a single week. Defeated and abandoned by Hitler, pro-German, anti-Soviet policy advocates in Tokyo were furious. Premier Hiranuma Kiichiro's government resigned on August 28. In response, more cautious voices in Tokyo asserted control. General Nakajima, deputy chief of AGS, went to Hsinking with Imperial Order 343, directing Kwantung Army to hold near the disputed frontier with "minimal strength" to enable a quick end to hostilities and a diplomatic settlement. But at KwAHQ, the staff pressed their case, and Nakajima eventually approved a general offensive to begin on September 10. The mood at KwAHQ was ebullient. Upon returning to Tokyo, Nakajima was sternly rebuked and ordered to stand down. General Ueda appealed to higher authority, requesting permission to clear the battlefield and recover the bodies of fallen soldiers. He was denied and later relieved of command on September 6. A reshuffle followed at KwAHQ, with several senior officers reassigned. The Japanese Foreign Ministry directed Ambassador Togo Shigenori to negotiate a settlement in Moscow. The Molotov-Togo agreement was reached on September 15–16, establishing a temporary frontier and a commission to redemarcate the boundary. The local cease-fire arrangements were formalized on September 18–19, and both sides agreed to exchange prisoners and corpses. In the aftermath, Kwantung Army leadership and the Red Army leadership maintained tight control over communications about the conflict. News of the defeat spread through Manchuria and Japan, but the scale of the battle was not fully suppressed. The Kwantung Army's reputation suffered further from subsequent punishments of officers deemed to have mishandled the Nomonhan engagement. Several officers were compelled to retire or commit suicide under pressure, and Ioki's fate became a particular symbol of the army's dishonor and the heavy costs of the campaign. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. In August 1939, Soviet General Georgy Zhukov launched a decisive offensive against Japanese forces at Nomonhan. Under cover of darkness, Soviet troops crossed the Halha River, unleashing massive air and artillery barrages on August 20. Fierce fighting ensued, with failed Japanese counterattacks, the fall of Fui Heights, and annihilation of encircled pockets by Soviet tanks and infantry.
Jeff and Andy share their takeaways from their conversation with John McClain and how good of a move this was for Andrew Berry and the Browns.
There's a new savings account for kids getting a lot of attention right now, and you've probably already heard the name. But are Trump Accounts actually better than the savings options that already exist? This week, Mac and Jason break down exactly what Trump Accounts are, how they work, and where they may fall short compared to existing tools. Don't forget to subscribe for more practical advice from the SK team!
A lot of stuff happened in this episode... We start naming our favorite breakup songs and KD misses Ben Simmons... and that's not even the wildest stuff...Seat Geek:USE CODE: NOREGULARS to get $20 off your first purchase over $50!https://seatgeek.com/Prize Picks:CODE NOREGULARS to receive a 100% deposit match up to $100 on PrizePicks at signup. https://prizepicks.onelink.me/ivHR/NOREGULARSBECOME A PATREON DRAFT PICK! : patreon.com/NoRegularsFollow Our Main Socials!Darris WatkinsInstagram: https://www.instagram.com/__dlw.21/Korey PettieInstagram: https://www.instagram.com/koreypettie/
Martin Lewis gives his advice on what to do if you are overwhelmed by debt. He answers a question from someone facing debt problems which are having a very serious impact on their mental health. We hear a beautiful tale of moving from homeless to homeowner – and Martin explains what to do next after you have bought a house. Martin answers a question from a listener who to know if they should use Buy Now Pay Later, a 0% Purchase Card or just save up.Plus, find out what to do if you have a current accounts you don't use.Plus Martin shares his remarkable hole-in-one golfing record.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.
237b has firsthand accounts from Fort Donelson. https://cwweeklypod.wixsite.com/my-site*Mobile capability through the app Spaces by Wix. Patreon: https://www.patreon.com/CWweeklypod
If retirement taxes feel confusing, you're not alone. Pre-tax accounts, Roth accounts, required minimum distributions (RMDs), Social Security taxes—there are a lot of rules, and they don't always work the way people expect.In this episode, we explain retirement taxes in plain language so you can understand how your accounts are taxed, why confusion is so common, and how planning ahead can create more clarity and control.Retirement taxes don't have to feel overwhelming. Understanding how the rules work is the first step toward making more confident retirement decisions.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4jJyPqKDownload your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly Nelson, Host of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/--This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Did you know there’s nearly $2.1 trillion in forgotten 401(k) and retirement accounts scattered across the United States? On this episode of The Financial Hour of The Tom Dupree Show, hosts Tom Dupree, Mike Johnson, and James Dupree tackle what they call America’s abandoned 401(k) crisis — and lay out a clear path for recovering lost retirement savings before it’s too late. With the average American staying at an employer for just 3.9 years, it’s no surprise that old 401(k) accounts get left behind. But those forgotten dollars represent real retirement income that could be working harder for you right now. Whether you’re in your thirties with scattered accounts or approaching retirement with assets spread across multiple former employers, the team at Dupree Financial Group explains why consolidating your retirement accounts into a personalized investment management strategy could be one of the most important financial decisions you make. Why Abandoned 401(k) Accounts Are Costing You More Than You Think The problem goes deeper than simply losing track of an old account. As Mike Johnson explained during the episode, there are two distinct sides to this crisis. The first is accounts that people genuinely forget about — they leave a job, move to a new city, and a 401(k) with a few thousand dollars slips through the cracks. The second, and far more common scenario, is when people know they have old accounts scattered around but never get around to consolidating them. “You have all these various pieces scattered around. You haven’t forgotten about them — they’ve just been sitting there. And there’s really no clear plan, no management, anything like that.” — Mike Johnson The costs of inaction add up quickly. Old employer plans charge administration fees and internal fund expenses that steadily eat away at your balance. Without active management, your investments may have been moved to money market funds or stable value options without your knowledge — meaning you’ve potentially lost years of compounding growth. Tom Dupree put it simply: “Money that’s together is better managed.” The Hidden Costs of Scattered Retirement Accounts Beyond the obvious risk of forgetting an account entirely, keeping retirement savings spread across multiple former employers creates a series of compounding problems. Fees erode your balance. Plan administration costs and internal fund fees are deducted from accounts whether you’re contributing or not. Over time, a dormant account can lose significant value to expenses alone. Opportunity cost is real. An old 401(k) sitting in a bond fund or money market account for 20 years has missed potentially decades of growth. As Mike Johnson noted: “How much did you leave on the table by just leaving it on autopilot?” Logistics become a nightmare at retirement. Multiple accounts mean multiple logins, multiple statements, and multiple required minimum distributions to calculate and manage once you reach age 73. No cohesive investment strategy. Without consolidation, there’s no way to ensure your overall allocation reflects where you are in life — whether that’s aggressive growth in your thirties or income-focused positioning as you approach retirement. Plan changes happen without you. Third-party administrators regularly swap out fund options within employer plans. If you’re not watching, your money may end up in an investment that no longer fits your goals. How to Find Your Lost 401(k) Accounts If you think you may have retirement money sitting somewhere you’ve forgotten about, there are several ways to track it down. Mike Johnson walked listeners through the key resources available. Contact your former employer. This is the most direct route. Many companies can tell you whether you still have a balance in their retirement plan and connect you with the plan administrator. Use the federal government’s search tool. In 2024, the Department of Labor launched lostfound.dol.gov, a searchable database specifically for private, non-governmental employer plans. You can search by Social Security number to locate plans connected to your work history. Check state unclaimed property databases. Some abandoned retirement assets may have been turned over to your state’s unclaimed property division, which maintains searchable records. The statistic is striking: 54% of savers don’t know where their old 401k is, and 61% don’t know their login credentials. If that sounds familiar, you’re far from alone — and the solution is more straightforward than most people realize. Your Four Options for an Old 401(k) (And Which One Actually Makes Sense) Once you’ve located an old retirement account, you have four choices. Mike Johnson broke them down clearly during the episode. Option 1: Leave it where it is. This is the easiest path — and almost always the worst one. The account sits unmanaged, accumulating fees with no investment strategy behind it. As Mike put it, this makes sense “0.00001% of the time.” Option 2: Roll it into your new employer’s 401(k). Better than leaving it behind, but still limiting. Most employer plans offer only 20 to 30 investment options, with many being target-date or broad index funds that may not fit your specific situation. Option 3: Cash it out. If you’re under 59½, you’ll face penalties and taxes. Even above that age, cashing out means losing the tax-advantaged compounding that makes retirement accounts so powerful. This should generally be a last resort. Option 4: Roll it into a professionally managed IRA. This is the approach the Dupree Financial Group team recommends for most people. An IRA gives you access to individual securities, ETFs, mutual funds, and a fully customized investment philosophy tailored to your goals and timeline. There are no tax consequences for a direct rollover, and you gain the ability to build a cohesive plan across all your retirement assets. The Power of Roth Conversions for Younger Savers One of the episode’s most actionable takeaways was Mike Johnson’s advice for younger workers with small, stranded 401(k) accounts. “If you’re in your twenties or thirties and you have some small legacy 401(k) stranded accounts, you can move that to an IRA and it would probably make sense to convert that to a Roth while you’re in a lower tax bracket.” — Mike Johnson The math is compelling. Pay a small tax bill now on a relatively modest balance, and that money compounds tax-free for the next 30 or more years. The team also discussed how Roth conversions were particularly powerful during the 2008–2009 financial crisis, when account values were depressed — converting low balances meant paying taxes on less and then watching all the recovery growth accumulate tax-free. For those closer to retirement, gradual Roth conversions can still make sense. The strategy involves filling up your current tax bracket with conversions each year, reducing future required minimum distributions and creating tax-free income in retirement. Tools like Morningstar’s retirement planning resources can help you model how different conversion amounts affect your long-term tax picture. In-Service Rollovers: A Strategy for Workers Over 59½ If you’re still working but have reached age 59½, you may have an option many people don’t know about: the in-service rollover. Most employer plans allow participants who are 59½ or older to move existing assets out of the 401(k) and into an IRA — while continuing to make contributions and collect any employer match in the plan. This means you can begin building an income-focused portfolio years before you actually retire. “At 59 and a half, you roll it to an IRA and then you’re preparing for retirement… you get that income stream rolling so that machine is now working.” — Mike Johnson The Dupree Financial Group team structures these rollovers around their dividend-focused investment approach, building portfolios of quality companies that generate consistent income. By the time you retire, the transition is seamless — your portfolio is already generating dividends, your relationship with your advisor is established, and linking your IRA to your checking account for retirement income is as simple as flipping a switch. Why Compounding Favors Those Who Start Now James Dupree brought a generational perspective to the conversation, noting that while younger workers may understand the concept of compounding better than previous generations, many still haven’t taken action on it. Tom Dupree shared a perspective from his 47 years in the investment business: “Everybody who’s got a large account — it started with a small one. That’s how it works.” The team emphasized that the size of your starting balance matters far less than getting that money working for you under professional management. A few thousand dollars left in an old 401(k), properly invested and compounded over 20 or 30 years, could grow into a meaningful piece of your retirement income. James illustrated the point with a personal example — calculating how much his girlfriend could accumulate by investing the daily savings from making espresso at home instead of buying Starbucks. The numbers were eye-opening, and the principle applies directly to abandoned retirement accounts sitting idle. Key Takeaways From This Episode Nearly $2.1 trillion in retirement savings is sitting in forgotten or unmanaged accounts across the U.S. Dormant 401(k) accounts lose value through hidden fees, opportunity costs, and unmonitored investment changes. The federal government’s lostfound.dol.gov database can help you locate old employer plans. Rolling old 401(k) accounts into a professionally managed IRA provides more investment options, lower fees, and a cohesive retirement strategy. Roth conversions on small, stranded accounts can be especially powerful for younger workers in lower tax brackets. In-service rollovers at age 59½ let you begin building retirement income while still working and collecting your employer match. Consolidating scattered retirement assets into one managed portfolio allows for coordinated tax planning, income generation, and a smoother transition into retirement. Frequently Asked Questions How do I find out if I have an old 401(k) from a previous job? Start by contacting former employers directly. You can also search the Department of Labor’s database at lostfound.dol.gov, which was launched in 2024 specifically for locating private employer retirement plans. State unclaimed property databases are another resource worth checking. Is there a tax penalty for rolling over a 401k to an IRA? No. A direct rollover from a pre-tax 401(k) to a traditional IRA has no tax consequences. Similarly, Roth 401(k) assets can roll to a Roth IRA without triggering taxes. The key is ensuring the rollover is done directly — trustee to trustee — rather than taking a distribution and redepositing. The IRS rollover chart outlines exactly which account types can transfer into which. What is an in-service rollover? An in-service rollover allows employees who are 59½ or older to transfer assets from their current employer’s 401(k) into an IRA while still working and contributing to the plan. This lets you begin building a managed retirement portfolio before you actually retire. Why shouldn’t I just leave my old 401(k) where it is? Dormant accounts accumulate plan administration fees and internal fund costs without any active management. Investment options may change without your knowledge, and the money isn’t aligned with your current financial goals or retirement timeline. What’s the difference between a 401(k) and an IRA for investment options? A 401(k) typically offers 20 to 30 investment choices selected by your employer’s plan administrator, usually mutual funds and target-date funds. An IRA gives you access to individual stocks, bonds, ETFs, mutual funds, and other securities — allowing for a fully customized investment strategy. Should I convert my old 401(k) to a Roth IRA? It depends on your current tax bracket versus your expected bracket in retirement. If you’re in a lower bracket now — especially if you’re younger — converting to a Roth allows all future growth to compound tax-free. The team at Dupree Financial Group can help you evaluate whether a conversion fits your specific situation. Schedule Your Complimentary Portfolio Review Have you worked for multiple employers over the years? You may have retirement money sitting in old 401(k) accounts that could be working harder for you. The team at Dupree Financial Group can help you locate scattered retirement assets, evaluate your options, and build a consolidated, income-focused portfolio designed for where you are in life right now. No obligation. No products to sell. Just an honest look at your situation. Call (859) 233-0400 or visit dupreefinancial.com/book to schedule your complimentary consultation. Listen to more episodes of The Financial Hour → Dupree Financial Group is a registered investment advisor. All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. This content is for informational purposes only and should not be considered personalized investment advice. Please consult with a qualified financial professional before making any investment decisions. The post The 2 Trillion Dollar Problem: How to Find and Recover Your Abandoned 401k Accounts appeared first on Dupree Financial.
From accepting 1,000 cedis salary to building a 4.5 million cedi business in six months, and why working for money you earn is better than free handouts because there's nothing free in this world, the brutal truth about why everyone has an opportunity to make money but it takes wisdom to turn 10 cedis into 15 cedis while most people just spend what they get, the three-account system that separates failing businesses from growing ones: reinvestment account, buffer account, and personal account, because if you make 50,000 a month and spend 40,000 on yourself you're not helping the company grow, the December that brought 400,000 cedis in sales proving the festive season is real money, the decision to pay himself only 1,500 cedis a month while reinvesting everything else because serving yourself to a standard where you can't resist taking money from capital is how businesses die, the young guy from TikTok who came with 2,640 cedis and walked away with 12 packs after the profit margin was split in half so he could sell and build his own, and why the ultimate truth is this: 1,000 cedis can buy five packs of product, sell them retail at 80 cedis profit per pack instead of 20 cedis wholesale, and turn that small capital into real money if you're willing to do the work, help people climb up, and understand that money is funny—you can get it today and tomorrow it's gone unless you invest it into something lucrative. In this raw episode of Konnected Minds, host Derrick Abaitey sits down with a young entrepreneur who dismantles the dangerous "wait for free money from family" mentality that keeps young people broke, revealing the exact moment when accepting 1,000 cedis salary from his boss gave him something to show at the end of the month instead of begging aunties for 300 cedis here and 500 cedis there, when working and earning something is better than someone giving you money for free because even delivering something to the station and getting transportation is payment for what you did, when the realization hit that "I'm a man, I actually need to do something for myself" instead of always asking people for handouts that vanish within the blink of an eye because you're just spending them. This isn't motivational business talk from Instagram influencers, it's a systematic breakdown of why everyone has an opportunity to money but limited people can turn 10 cedis into 15 cedis profit because most people see money as something to spend not invest, why tracking your business from June to December and selling goods worth 4.5 million cedis proves that paying attention to stocks and spending is how you know if you're actually making money, why the three-account system from chat GPT separates businesses that fail from businesses. Host: Derrick Abaitey
Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits
Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits
[Cold open (Cody is back from Hawaii) ends at 05:37.]Most agencies you talk to, as well as the entire internet, will tell you that clients should own their own ad accounts, and you should work inside them.But what if we told you this is the wrong way to do it? What if we told you that you are opening yourself up to potentially huge insurance and legal issues doing it this way?Listen to this episode and find out the correct way to protect yourself and your relationships with your clients.-----RESOURCES:Want the tools and resources we recommend for agencies? Check them out here:https://www.agencygrowthpod.com/tools-----NEWSLETTERWant the show in your inbox? Sign up for the newsletter!https://www.agencygrowthpod.com/newsletter-----COMMUNITYLooking to join a community of agency owners? Join our Discord!https://discord.gg/uvHRRRFVRD-----CONTACTGot something to say? Send us a message:https://www.agencygrowthpod.com/contact
In this episode of Plant. Harvest. Prosper., Josiah Martin breaks down the newly announced “Trump Accounts,” set to launch July 4, 2026. While the name has sparked plenty of conversation, the more important discussion is this: How do these accounts actually work — and where do they fit in a family's financial plan?
Send a textThis video addresses a common question: can Amazon sellers operate multiple Amazon seller account simultaneously? Noah Wickham from My Amazon Guy explains that the answer is nuanced, detailing Amazon's policy on multiple amazon account types. Learn about the conditions for seller registration amazon and how to navigate selling on amazon with more than one account.If you are unsure whether your second seller account setup could trigger a suspension, get direct strategy guidance before Amazon makes that decision for you: https://bit.ly/4jMZtxu--------------------------------------------------------------------------Want free resources? Dowload our Free Amazon guides here:Growth Email Marketing Strategies: https://hubs.ly/Q04457QF0Amazon Proft Margin Defense 2026: https://hubs.ly/Q042trRH0Amazon SEO Toolkit 2026: https://bit.ly/4oC2ClTAmazon Seller Strategy Report 2026: https://bit.ly/3YN1RME2026 Ecommerce Website & SEO Readiness Checklist: https://hubs.ly/Q040Jg0M0Amazon Crisis Kit: https://bit.ly/4maWHn0TIMESTAMPS00:00 – Can You Have Multiple Amazon Seller Accounts?00:38 – When Amazon Allows Separate Seller Accounts01:55 – Why Separate Accounts Help When Selling a Brand02:11 – Business Information Required for Multiple Accounts03:02 – Legal Entity Rules and EIN Requirements04:12 – What You Cannot Do with Two Seller Accounts05:17 – Selling the Same Product on Two Accounts Risk05:39 – When It Makes Business Sense to Open Another Account________________________________Follow us:LinkedIn: https://www.linkedin.com/company/28605816/Instagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Twitter: https://twitter.com/myamazonguySubscribe to the My Amazon Guy podcast:My Amazon Guy podcast: https://podcast.myamazonguy.comApple Podcast: https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVwSupport the show
Clean Biz Network Podcast | How To Start a 7-Figure Commercial Cleaning Company
Get your copy of my ebook at www.AjSimmonsOnline.comFollow me: @AjSimmonsSnapchat: AjRichAlready16Facebook.com/AjSimmonsOnlineSearch: #AjSimmonsThank you for watching, subscribing, liking, sharing, and commenting!!!!NEW VIDEOS MONDAY - FRIDAY 7am and 12pm EASTERN TIME
Technology analyst Dalya Hahn provides an overview of the semiconductor industry and where she sees AI and supply driven stock opportunities.
In this power-packed episode, Casey Hiers and Jarrod Bridgeman are diving into the "tax-heavy" side of dental practice ownership to ensure you aren't leaving money on the table. From the critical importance of a dental-specific CPA to avoiding those pesky IRS penalties, the guys break down how to stay ahead of the game.We're also looking at "last-minute" wins you can still claim for 2025, including deductible retirement and HSA contributions. Plus, don't miss the scoop on the brand-new Trump accounts for children born between 2025 and 2028—complete with government contributions—and why an IRS Identity Protection PIN is your best defense against tax fraud.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory
✈️ Retire Pilots the Right Way!
In this episode of Smart Acids, George Knox, VP of Corporate Accounts, joins Andy and Chris to talk about how centralizing chemical distribution under one partner simplifies the full lifecycle—from bulk and blends to packaged goods and ChemCare. They unpack: How a single global account model supports multi‑site chemical demand Where customers unlock real TCO savings through freight optimization, consolidation, and digital ordering Why integrated services like waste, blending, and repack are becoming must‑haves How Univar Solutions documents value with scorecards, QBRs, and sustainability metrics If chemical complexity is your daily reality, this episode might be your new favorite playbook. Smart Acids™ is the source for product insights and current market moves related to chemical and specialty ingredient distribution—breaking it all down one boron at a time. Join hosts Andy Erickson and Chris Ernst for straightforward and honest chat that speaks to the why behind pricing and supply, delivered in a smart, fun and entertaining way. Smart Acids is the winner of a B2 Silver Award, a top national recognition among leading global brands and marketers in B2B.About the hosts: Andy Erickson, senior director of product marketing for essential chemicals, and Chris Ernst, senior director of product marketing for solvents, converse with guests from chemistry and specialty ingredient backgrounds who are keyed in to manufacturing and markets across industries.Univar Solutions is a leading global specialty chemical and ingredient distributor representing a premier portfolio from the world's leading producers, and helping to keep communities healthy, fed, clean and safe. With the industry's largest private transportation fleet and technical sales force, unparalleled logistics know-how, deep market and regulatory knowledge, formulation and recipe development, and leading digital tools, we offer tailored solutions and value-added services to a wide range of markets, industries and applications.
In an era of evolving financial strategies, the newly introduced Trump Accounts can help you save more for your children. A special guest joins this episode to explain these accounts, including how they can bridge gaps in retirement savings and be used in tandem with other savings vehicles for your kids. LINKS TrumpAccounts.gov cainwatters.com Submit a Question Facebook | YouTube | Instagram
Andy Hill returns after eight years to share his journey towards financial independence with his wife, Nicole. Initially faced with relationship and financial struggles, the couple established monthly budget parties that fostered open communication and a shared vision for their finances. By embracing the concept of Coast FI, they balanced their work-life commitments and focused on creating a sustainable, happy family life, ultimately paying off their mortgage and adopting a part-time work lifestyle. Key Tactical Takeaways Establish Monthly Budget Parties: Create a designated time each month to discuss finances with your partner, making it enjoyable and structured. Adopt Coast FI Principles: Achieve enough savings to allow investments to grow without additional contributions, which can lead to a flexible work-life balance. Focus on Compounding: Emphasize the significant benefits of long-term investing; even a 1% difference in return can lead to considerable wealth over time. Adjust Savings Rates: If financial goals are met, consider lowering savings rates to enjoy life more fully while allowing investments to grow. Core Rules & Formulas Core Rule Formula/Guideline Establish a Budget Party Choose a regular schedule (e.g., once a month) and make it enjoyable (e.g., pizza, wine) to facilitate open discussions about finances. Coast FI Definition Save enough so your investments can compound without needing further contributions. Work only enough to cover living expenses. Compounding Interest Impact Understand that even slight increases in investment returns can significantly affect wealth over time. A simple 1% increase over decades can lead to substantial differences. Savings Adjustment Strategy Once you reach a financial milestone (e.g., Coast FI), assess and potentially lower your savings rate for more immediate enjoyment without jeopardizing long-term goals. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description Monthly Budget Parties A structured approach to discussing finances in a fun, collaborative manner. Coast FI Strategy A financial independence approach where investments grow passively, allowing flexibility in work options. Compounding Calculators Use online tools to visualize how minor changes in investment returns can significantly impact future wealth. Resources & References Book: Own Your Time by Andy Hill Implement Monthly Budget Parties: Start by scheduling your first budget party this month and prepare to discuss financial goals. Explore Coast FI: Assess your savings and consider if adjusting your financial strategy to Coast FI could enhance your quality of life. Track Your Spending: Use personal finance tools or apps to better understand and manage your monthly expenses.
To get your gands on Accounts from the Lonely Broadcast Station Volumes 1 & 2 by Kel Byron you can support the Kickstarter here: https://www.kickstarter.com/projects/kelbyron/a-lonely-broadcast-book-two-the-audiobook
Psychedelics are having a cultural moment. Research is promising. Stories of healing are everywhere. But here's the truth: these experiences aren't magic cures. And they aren't right for every nervous system at every time. In this episode, Elisabeth Kristof and Jennifer Wallace slow the conversation down. Instead of asking, "Do psychedelics heal trauma?" They explore a more grounded question: What becomes possible when psychedelic or peak somatic experiences are approached through the lens of nervous system safety, preparation, and integration? If you've been curious about psychedelics, already had experiences, or feel unsure whether they're right for you, this episode offers nuance, research, and deep nervous system perspective. Because post-traumatic growth isn't about becoming someone new. It's about becoming more available to the life that's already waiting for you. Topic Covered Why psychedelics may reorganize meaning, not just reduce symptoms How trauma fragments narrative and how safety allows integration The science of psychological flexibility and why it predicts long-term outcomes What "somatic journeying" is and why it can feel disorienting The importance of preparation, titration, and facilitator trust Why intensity does not equal healing Psychedelics vs antidepressants in research on connectedness Default Mode Network (DMN), identity rigidity, and belief updating Why creativity often emerges when survival softens The risks of over-reliance and "chasing the medicine" Why discernment and self-trust matter more than hype Chapters 00:00 – Psychedelics Aren't Magic Cures 03:00 – Meaning-Making & Narrative Reorganization 08:58 – Psychological Flexibility & Emotional Capacity 17:00 – Preparation, Somatic Journeying & Integration 23:29 – Connectedness & Relational Repair 34:33 – Identity, Neuro Tags & the Default Mode Network 41:03 – Creativity as a Byproduct of Safety 48:14 – Discernment, Industry Hype & Self-Trust Calls to Action: Neurosomatic Intelligence is now enrolling : https://neurosomaticintelligence.com/nsi-certification Sacred Synapse: an educational YouTube channel founded by Jennifer Wallace that explores nervous system regulation, applied neuroscience, consciousness, and psychedelic preparation and integration through Neurosomatic Intelligence. Wayfinder Journal: Track nervous system patterns and support preparation and integration through Neurosomatic Intelligence. FREE 1 Year Supply of Vitamin D + 5 Travel Packs from Athletic Greens when you use my exclusive offer: https://www.drinkag1.com/rewired Learn to work with Boundaries at the level of the body and nervous system at https://www.boundaryrewire.com Get a two-week free trial of neurosomatic training at https://rewiretrial.com Sources: Amada, N., et al. "The Transformative Potential of Psychedelic Experiences: A Qualitative Analysis of Meaning-Making and Narrative Reorganization." Journal of Consciousness Studies, vol. 27, no. 7–8, 2020, pp. 122–150. Carhart-Harris, Robin L., et al. "Neural Correlates of the Psychedelic State as Determined by fMRI Studies with Psilocybin." Proceedings of the National Academy of Sciences, vol. 109, no. 6, 2012, pp. 2138–2143. Carhart-Harris, Robin L., et al. "The Entropic Brain: A Theory of Conscious States Informed by Neuroimaging Research with Psychedelic Drugs." Frontiers in Human Neuroscience, vol. 8, 2014, article 20. Carhart-Harris, Robin L., et al. "Psilocybin with Psychological Support for Treatment-Resistant Depression: Six-Month Follow-Up." Psychopharmacology, vol. 235, no. 2, 2018, pp. 399–408. Davis, Alan K., Roland R. Griffiths, and Frederick S. Barrett. "Psychological Flexibility Mediates the Relations between Acute Psychedelic Effects and Subjective Decreases in Depression and Anxiety." Journal of Contextual Behavioral Science, vol. 15, 2020, pp. 39–45. Davis, Alan K., et al. "Effects of Psilocybin-Assisted Therapy on Major Depressive Disorder: A Randomized Clinical Trial." JAMA Psychiatry, vol. 78, no. 5, 2021, pp. 481–489. Erritzoe, David, et al. "Effects of Psilocybin Therapy versus Escitalopram on Depression and Emotional Connectedness in Major Depressive Disorder." The New England Journal of Medicine, vol. 384, 2021, pp. 1402–1411. Griffiths, Roland R., et al. "Psilocybin Produces Substantial and Sustained Decreases in Depression and Anxiety in Patients with Life-Threatening Cancer: A Randomized Double-Blind Trial." Journal of Psychopharmacology, vol. 30, no. 12, 2016, pp. 1181–1197. MacLean, Katherine A., Matthew W. Johnson, and Roland R. Griffiths. "Mystical Experiences Occasioned by the Hallucinogen Psilocybin Lead to Increases in the Personality Domain of Openness." Journal of Psychopharmacology, vol. 25, no. 11, 2011, pp. 1453–1461. Watts, Rosalind, et al. "Patients' Accounts of Increased 'Connectedness' and 'Acceptance' after Psilocybin for Treatment-Resistant Depression." Journal of Humanistic Psychology, vol. 57, no. 5, 2017, pp. 520–564. Weiss, B., et al. "Associations between Naturalistic Psychedelic Use, Psychological Insight, and Changes in Social Connectedness and Personality." Frontiers in Psychology, vol. 12, 2021, article 667987. Disclaimer: Trauma Rewired podcast is intended to educate and inform but does not constitute medical, psychological or other professional advice or services. Always consult a qualified medical professional about your specific circumstances before making any decisions based on what you hear. We share our experiences, explore trauma, physical reactions, mental health and disease. If you become distressed by our content, please stop listening and seek professional support when needed. Do not continue to listen if the conversations are having a negative impact on your health and well-being. If you or someone you know is struggling with their mental health, or in mental health crisis and you are in the United States you can 988 Suicide and Crisis Lifeline. If someone's life is in danger, immediately call 911. We do our best to stay current in research, but older episodes are always available. We don't warrant or guarantee that this podcast contains complete, accurate or up-to-date information. It's very important to talk to a medical professional about your individual needs, as we aren't responsible for any actions you take based on the information you hear in this podcast. We invite guests onto the podcast. Please note that we don't verify the accuracy of their statements. Our organization does not endorse third-party content and the views of our guests do not necessarily represent the views of our organization. We talk about general neuro-science and nervous system health, but you are unique. These are conversations for a wide audience. They are general recommendations and you are always advised to seek personal care for your unique outputs, trauma and needs. We are not doctors or licensed medical professionals. We are certified neuro-somatic practitioners and nervous system health/embodiment coaches. We are not your doctor or medical professional and do not know you and your unique nervous system. This podcast is not a replacement for working with a professional. The BrainBased.com site and RewireTrial.com is a membership site for general nervous system health, somatic processing and stress processing. It is not a substitute for medical care or the appropriate solution for anyone in a mental health crisis. Any examples mentioned in this podcast are for illustration purposes only. If they are based on real events, names have been changed to protect the identities of those involved. We've done our best to ensure our podcast respects the intellectual property rights of others, however if you have an issue with our content, please let us know by emailing us at traumarewired@gmail.com. All rights in our content are reserved.
This week on Marketing O'Clock: Google updates budget pacing for campaigns using ad scheduling, starting March 1st. Also, ChatGPT ads officially make their debut, appearing immediately after high-intent prompts for signed-in U.S. users.Visit us at - https://marketingoclock.com/
One of the most powerful gifts you can give a child is a head start on building wealth. Plus, it gives you the opportunity to teach the next generation all about the ups and downs of investing – in real time. However, choosing the right account for a kid can be surprisingly complex. Robert Brokamp discusses the pros and cons of five of the most common options, including the new Trump accounts.Also in this episode:-International stocks are off to a stellar start in 2026, outperforming U.S. stocks by the biggest margin since 1995-The data center buildout to support the AI arms race is driving up electricity prices, and may have the same impact on home prices-A recent report identified three criteria that tend to make a stock market downturn more likely-Include your pet in your estate plan to ensure she or he goes to the caring home of your choice (and not a shelter), and set aside money for expensesHost: Robert BrokampEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode.Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Raja is back! Raja joins Logan, who is back from NBA All-Star weekend in Los Angeles for a game of “What Does Raja Think?” Logan asks Raja for his thoughts on the NBA's most recent headlines like KD's alleged burner account, Adam Silver's remedy to tanking, Jayson Tatum's injury recovery plan, and more! Then they share their Real One of the Week to wrap up the episode! (0:00:00) Intro (1:38) James Harden and the Cavs (10:03) Cade Cunningham and the Pistons (21:08) Burner accounts (36:17) Adam Silver's tanking remedy (45:20) Jayson Tatum's recovery plan (54:22) Real One of the Week Hit the mailbag: Realonesmailbag@gmail.com Hosts: Logan Murdock and Raja Bell Video/Audio Producer: Victoria Valencia Production Supervision: Ben Cruz and Conor Nevins The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Former NFL offensive lineman Ephraim Salaam is in for Rob, and he and Kelvin tell us if Kevin Durant’s alleged burner accounts will derail the rest of the Houston Rockets’ season, and tell us why the idea of a 1v1 or 2v2 tournament on NBA All-Star Saturday night just isn’t feasible. Plus, Jacksonville Jaguars defensive end Arik Armstead swings by to discuss the Jags’ turnaround season, how Ephraim helped inspire his football career, his collaboration with the NFL for the Tackle Reading event, and much more!See omnystudio.com/listener for privacy information.
This is a Grave Talks CLASSIC EPISODE! PART TWOBuilt in 1722 by Robert Field, White Hill Mansion has stood for more than three centuries in Fieldsboro. During the American Revolution, Mary Peel Field welcomed both Colonial and Hessian troops, a strategic decision that spared the mansion from destruction while conflict raged around it.In the years that followed, the estate sheltered more than soldiers. Its long history includes rumored ties to smugglers and gangsters, along with generations of residents whose lives left their imprint on the structure. Today, it is regarded as one of New Jersey's most haunted locations.Visitors and investigators report shadow figures moving through hallways, sudden cold spots, disembodied voices, and an atmosphere that feels persistently occupied. Accounts shared by Dawn Reichard connect documented history with ongoing activity, suggesting the mansion never truly emptied.At White Hill Mansion, the past doesn't sit quietly — it lingers.#TheGraveTalks #WhiteHillMansion #HauntedMansion #Paranormal #Ghosts #HauntedNewJersey #HistoricHauntings #RevolutionaryWarGhosts #TrueParanormal #HauntedHistory Love real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.
This is a Grave Talks CLASSIC EPISODE!Built in 1722 by Robert Field, White Hill Mansion has stood for more than three centuries in Fieldsboro. During the American Revolution, Mary Peel Field welcomed both Colonial and Hessian troops, a strategic decision that spared the mansion from destruction while conflict raged around it.In the years that followed, the estate sheltered more than soldiers. Its long history includes rumored ties to smugglers and gangsters, along with generations of residents whose lives left their imprint on the structure. Today, it is regarded as one of New Jersey's most haunted locations.Visitors and investigators report shadow figures moving through hallways, sudden cold spots, disembodied voices, and an atmosphere that feels persistently occupied. Accounts shared by Dawn Reichard connect documented history with ongoing activity, suggesting the mansion never truly emptied.At White Hill Mansion, the past doesn't sit quietly — it lingers.#TheGraveTalks #WhiteHillMansion #HauntedMansion #Paranormal #Ghosts #HauntedNewJersey #HistoricHauntings #RevolutionaryWarGhosts #TrueParanormal #HauntedHistory Love real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:
Episode Summary Auditing your expenses can dramatically improve financial awareness, helping you identify money leaks and understand your true living costs. In this episode, the hosts present a structured four-step framework aimed at facilitating regular expense audits, which ideally should be conducted annually. The discussion includes practical strategies for tracking subscriptions, variable expenses, and distinguishing between required and discretionary spending. By adopting a calculated approach to expenses, you can effectively mitigate lifestyle creep while ensuring every dollar serves a purpose. Key Tactical Takeaways Conduct an Annual Expense Audit: Establish a routine to review expenses at least once a year to stay on top of spending habits and identify areas for improvement. Categorize Every Expense: Break down expenditures into necessary (fixed costs) and discretionary (variable costs) categories for clearer insights. Use a Value Matrix: Assess expenses based on their joy and necessity to inform which should be retained, reduced, or eliminated. Track Subscriptions and Variable Costs: Pay attention to recurring payments, particularly those related to entertainment and services like streaming or software. Calculate the Long-Term Impact of Small Savings: Remember that cutting small monthly expenses can significantly affect your financial independence number over time. Core Rules & Formulas Rule Explanation Annual Expense Audit Review all expenses once a year to prevent overspending and identify leaks. Categorization of Expenses Differentiate between Required (fixed) and Discretionary (variable) expenses. Value Matrix Implementation Organize spending into High Joy/ Low Joy and Essential/ Eliminate quadrants. Prioritize Necessary Expenses Always account for essential bills, including utilities, groceries, and housing costs. Evaluate Impact of Expenses Each $100 cut from monthly expenses reduces your FI number by $30,000 and if invested can generate $60,000 over time (20-year horizon). Tools, Accounts, or Strategies Mentioned Tool/Strategy Link/Description Expense Audit Spreadsheet Download here Value Matrix Framework Framework for analyzing the necessity and joy of expenses. Resources & References ChooseFI Episode 009: Travel Rewards Framework Expense Audit Spreadsheet: Download What To Do Next Join the Expense Audit Challenge: Participate in the community challenge to gain insights and support while auditing your finances. Download Your Bank and Credit Card Statements: Begin your audit by gathering statements from the last few months. Categorize Your Expenses: Use the expense audit spreadsheet to identify necessary vs. discretionary spending. Reflect on Your Findings: After auditing, identify any hidden expenses or subscriptions that can be cut, and share insights with the community at choosefi.com/login. Conducting an Effective Expense Audit: A Step-by-Step Guide Understanding the Expense Audit Definition: An expense audit is a systematic review of your expenditures to identify unnecessary spending and money leaks. Goal: The aim is to clarify how much your life actually costs. Importance of Regular Expense Audits Frequency: Conduct an expense audit at least once a year to keep track of spending habits. Long-term Tracking: Monitor for lifestyle creep, which can happen gradually and affect your financial health over time. Action Steps to Begin Your Expense Audit Gather Financial Data: Download your recent bank and credit card statements (last 3 to 4 months). Check statements for variances and patterns in spending. Categorize Your Expenses: Separate them into categories such as housing, transportation, food, entertainment, and miscellaneous. Include all necessary and discretionary expenditures. Identifying Money Leaks Subscription Services: Track all recurring subscriptions and evaluate their necessity. Variable vs. Fixed Expenses: Distinguish between fixed permissible expenses (mortgage, insurance) and variable spendings (dining out, entertainment) to identify areas for improvement. Implementing a Value Matrix Categorization: Create a value matrix to differentiate between: High Joy (essential to happiness) Low Joy (non-essential) Essential (required for daily living) Eliminate (unnecessary expenses) Analyze Each Category: Assess each item in terms of value and joy to decide if it should remain in your budget.
© 2020-2026 Ivy Podcast Discovery LLC
