Podcasts about Apollon

À Delphes, douze siècles durant, une étrange femme rend des oracles au nom d'Apollon, fondant des cités, guidant des rois et façonnant le monde grec : la Pythie.Plongez au cœur de l'un des plus fascinants mystères de l'Antiquité grecque : l'oracle de Delphes et sa prêtresse, la Pythie. De Lycurgue à Alexandre le Grand, en passant par le roi Crésus, découvrez comment cette voix d'Apollon a influencé le cours de l'Histoire.Dès le VIIIe siècle avant notre ère, la cité de Delphes, nichée au pied du mont Parnasse, devient un véritable carrefour géopolitique. Les plus grandes figures de la Grèce ancienne se pressent pour consulter l'oracle de la Pythie, cette femme plongée en transe qui délivre les messages du dieu Apollon. De leurs réponses ambiguës dépendent souvent les décisions stratégiques des cités grecques, qu'il s'agisse de fonder une colonie ou d'entrer en guerre.Franck Ferrand nous immerge dans l'atmosphère mystique de ce haut lieu de la spiritualité antique. Il nous fait revivre les rituels fascinants qui entouraient la Pythie, cette prêtresse tantôt vénérée, tantôt crainte pour le poids de ses oracles sur le destin des hommes. À travers les témoignages des plus grands auteurs grecs, comme Hérodote ou Plutarque, on découvre les ressorts géologiques et mythologiques qui font de Delphes un endroit hors du commun.Des conquêtes d'Alexandre aux pillages romains, l'oracle de Delphes a traversé les siècles, façonnant l'histoire de la Grèce antique jusqu'à son déclin au IVe siècle de notre ère. Mais au-delà des ruines, la voix de la Pythie semble encore résonner dans cette vallée sacrée.

À Delphes, douze siècles durant, une étrange femme rend des oracles au nom d'Apollon, fondant des cités, guidant des rois et façonnant le monde grec : la Pythie.Plongez au cœur de l'un des plus fascinants mystères de l'Antiquité grecque : l'oracle de Delphes et sa prêtresse, la Pythie. De Lycurgue à Alexandre le Grand, en passant par le roi Crésus, découvrez comment cette voix d'Apollon a influencé le cours de l'Histoire.Dès le VIIIe siècle avant notre ère, la cité de Delphes, nichée au pied du mont Parnasse, devient un véritable carrefour géopolitique. Les plus grandes figures de la Grèce ancienne se pressent pour consulter l'oracle de la Pythie, cette femme plongée en transe qui délivre les messages du dieu Apollon. De leurs réponses ambiguës dépendent souvent les décisions stratégiques des cités grecques, qu'il s'agisse de fonder une colonie ou d'entrer en guerre.Franck Ferrand nous immerge dans l'atmosphère mystique de ce haut lieu de la spiritualité antique. Il nous fait revivre les rituels fascinants qui entouraient la Pythie, cette prêtresse tantôt vénérée, tantôt crainte pour le poids de ses oracles sur le destin des hommes. À travers les témoignages des plus grands auteurs grecs, comme Hérodote ou Plutarque, on découvre les ressorts géologiques et mythologiques qui font de Delphes un endroit hors du commun.Des conquêtes d'Alexandre aux pillages romains, l'oracle de Delphes a traversé les siècles, façonnant l'histoire de la Grèce antique jusqu'à son déclin au IVe siècle de notre ère. Mais au-delà des ruines, la voix de la Pythie semble encore résonner dans cette vallée sacrée.

SpaceX officially went public, raising a record $75 billion and becoming the largest IPO in history—and Jeremiah Bates and Nick Daniels spend the first hour breaking down what that means for investors, how IPOs work, whether buying newly public companies makes sense, and how many investors may gain exposure through index funds and retirement accounts. The conversation then shifts to a major tax planning issue approaching at the end of 2026: Qualified Opportunity Zone (QOZ) investments. The guys explain why deferred gains from these investments are becoming taxable, the planning opportunities available before the deadline, and what investors should be doing now to prepare. The show also covers donor-advised funds, highly appreciated stock strategies, the differences between flat-fee planning and traditional asset management, and practical retirement tax planning topics including required minimum distributions (RMDs), qualified charitable distributions (QCDs), Roth conversions, and Medicare-related planning opportunities.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Estate planning used to be relatively straightforward: create a will, establish a trust if appropriate, and make sure your beneficiaries were named correctly. Today, it's much more complicated. We talk about how modern estate planning has evolved beyond traditional documents and why many families may have planning gaps they don't realize exist. Common reasons estate plans become outdated, the growing importance of digital assets, and the challenges families can face when trying to access online accounts, digital photos, cloud storage, payment apps, and other assets that didn't exist when many estate plans were originally created. We also discuss the difference between legal authority and practical access, why estate planning should be reviewed periodically, and simple steps families can take to reduce confusion and stress for loved ones.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Europa Nostra Türkiye, Kültürel Miras Gönüllülüğü ve Gençlik Programı kapsamında “Kültürel Miras Temalı Film ve Belgesel Gösterimleri” serisi başlattı ve bu serinin ilkinde, Emine Yıldırım'ın yazıp yönettiği Gündüz Apollon Gece Athena filminin İBB Beyoğlu Sineması'nda özel bir gösterimi yapıldı. Gösterimin ardından yönetmen Emine Yıldırım ve Side Antik Kenti'nde uzun yıllar koruma ve restorasyon çalışmaları yapmış olan Prof. Dr. Zeynep Ahunbay'ın katılımıyla sinemanın kültürel mirasla kurduğu ilişki, mekânın hikayedeki rolü ve Side'nin tarihsel katmanları üzerine bir söyleşi gerçekleştirildi.Bu film üzerinden filmin senaristi ve yönetmeni Emine Yıldırım ve filmi kültürel miras bakımından yorumlayan Zeynep Ahunbay ile yaptığımız söyleşileri yayınlıyoruz. 

Europa Nostra Türkiye, Kültürel Miras Gönüllülüğü ve Gençlik Programı kapsamında “Kültürel Miras Temalı Film ve Belgesel Gösterimleri” serisi başlattı ve bu serinin ilkinde, Emine Yıldırım'ın yazıp yönettiği Gündüz Apollon Gece Athena filminin İBB Beyoğlu Sineması'nda özel bir gösterimi yapıldı. Gösterimin ardından yönetmen Emine Yıldırım ve Side Antik Kenti'nde uzun yıllar koruma ve restorasyon çalışmaları yapmış olan Prof. Dr. Zeynep Ahunbay'ın katılımıyla sinemanın kültürel mirasla kurduğu ilişki, mekânın hikayedeki rolü ve Side'nin tarihsel katmanları üzerine bir söyleşi gerçekleştirildi.Bu film üzerinden filmin senaristi ve yönetmeni Emine Yıldırım ve filmi kültürel miras bakımından yorumlayan Zeynep Ahunbay ile yaptığımız söyleşileri yayınlıyoruz. 

What happens to your money, your assets, and even your digital life if you don't have children to step in? Jeremiah Bates and Alex Lundgren spend the first hour tackling one of the fastest-growing estate planning challenges in America: planning for incapacity and inheritance when there are no children or obvious heirs. The discussion covers power of attorney decisions, trustees, elder abuse risks, professional fiduciaries, pet trusts, digital assets, online accounts, passwords, and why failing to plan can leave critical decisions in the hands of the court. The second hour shifts to a major market story: SpaceX's highly anticipated IPO. Jeremiah and Alex break down how IPOs actually work, why many investors misunderstand them, the risks of buying into market hype, and how SpaceX could eventually impact index investors and retirement accounts through future index inclusion. The final hour focuses on practical planning decisions, including pension maximization strategies, large income windfalls from business sales and acquisitions, Medicare and tax planning considerations, and tax gain harvesting opportunities for investors sitting on significant unrealized gains.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Près de huit mois après le « casse du siècle » au Musée du Louvre, cette affaire de cambriolage spectaculaire n'a toujours pas été élucidée. Les enquêteurs travaillent d'arrache-pied pour tenter de retrouver les joyaux de la couronne de France dérobés le 19 octobre 2025 dans la galerie Apollon.Quatre suspects ont été mis en examen dans ce dossier, soupçonnés d'avoir participé à ce vol qui avait mis en lumière les failles de sécurité importantes du plus grand musée du monde. Les commanditaires, eux, n'ont pas encore été identifiés.Reporter police-justice au Parisien, Jean-Michel Décugis signe ce mois-ci « Main basse sur le Louvre : les secrets du casse » (Flammarion), coécrit avec les journalistes Jérémie Pham-Lê et Nicolas Charles-Torrent.Il fait le point sur cette enquête dans Code source.Écoutez Code source sur toutes les plates-formes audio : Apple Podcast (iPhone, iPad), Amazon Music, Podcast Addict ou Castbox, Deezer, Spotify.Crédits. Direction de la rédaction : Pierre Chausse - Rédacteur en chef : Jules Lavie - Reporter : Judith Perret - Production : Clara Garnier-Amouroux et Thibault Lambert - Réalisation et mixage : Théo Albaric - Photo : REUTERS/Abdul Saboor - Musiques : François Clos, Audio Network - Archives : LCI, CBS, TF1. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Can you really know if you're ready to retire? Jeremiah and Alex spend much of this episode unpacking one of the most commonly misunderstood tools in financial planning: retirement projections and Monte Carlo simulations. They explain what an 85% or 90% probability of success actually means, why those numbers can be useful, and where they can create a false sense of certainty if they're viewed in isolation. They explores sequence-of-return risk, retirement spending assumptions, inheritance surprises, and the reality that successful retirement planning requires far more than simply hitting a target number. Later in the show, Jeremiah and Alex tackle another area where people often misunderstand the rules: company stock compensation. They break down how RSUs, stock options, and employee stock purchase plans work, why taxes can catch employees off guard, and the planning opportunities available when company stock becomes a meaningful part of your net worth.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

For decades, most people focus on one side of retirement planning: Saving money, building investments, and growing retirement accounts. But eventually the question changes: "How do I actually live off this?" Nic talks about one of the biggest and most overlooked transitions in retirement: replacing a paycheck with income created from your own portfolio. From dividend-paying investments and automated distributions to cash reserves, taxes, Roth flexibility, and income coordination, Nic explains what retirement income actually looks like in the real world and why it's often much more complex than simply "living off dividends." He also dives into the emotional side of retirement income planning, including why so many people struggle with touching principal, spending from their own assets, and maintaining confidence once the steady paycheck disappears.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Aujourd'hui, je vous raconte l'histoire de la nymphe Daphné et du dieu Apollon.Au cœur d'une forêt enchanteresse de la Grèce antique, se trouve une nymphe à la beauté incomparable nommée Daphné. Fille du fleuve Pénée, elle jure de rester fidèle à sa liberté et rejette toute forme d'amour. Elle ne désire aucun amant pour rester aussi libre que les rivières qui dansent à travers les bois sacrés… Bonne écoute !

Financial problems don't always come from bad decisions—they often come from not understanding the rules. Jeremiah Bates and Nic Daniels break down the costly financial mistakes people make when acting without a clear strategy. The conversation starts with the growing threat of AI scams, wire fraud, romance scams, and why even younger, financially savvy individuals are getting caught off guard. From there, the show moves into retirement planning mistakes—how improper 401(k) rollovers can trigger unnecessary taxes and penalties, why understanding account rules matters, and when consolidating scattered retirement accounts makes sense. The hosts also tackle highly appreciated stock positions, Roth conversion strategy after age 65, Medicare premium impacts, Social Security coordination, and tax-efficient ways to unwind concentrated positions. The broader theme throughout the episode is simple: many of the most expensive financial mistakes are completely avoidable with proper planning…   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

"I'd retire tomorrow… if it weren't for health insurance." It's one of the most common concerns we hear from people approaching retirement, especially those hoping to leave work before Medicare begins at age 65. In this podcast, Nic Daniels breaks down the real planning considerations behind retiring before Medicare eligibility. From COBRA and Affordable Care Act marketplace plans to spouse coverage, bridge employment, and self-funding healthcare costs, Nic walks through the high-level options people should be aware of. But this conversation goes beyond just healthcare, because depending on how retirement income is structured, healthcare costs may be impacted by ACA subsidies, tax strategy, and withdrawal planning decisions. Nic also shares a real planning example involving a household looking to retire early and how outside assets—not retirement accounts—helped create flexibility in bridging the gap to Medicare.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Jeremiah Bates and Alex Lundgren spent Mother's Day weekend tackling one of the biggest financial issues many families avoid until it's too late: long-term care and the cost of aging. The show opens with Brooke Baker and Jessica Young, Co-Founders of Legacy Navigation, breaking down how Medicaid actually works, what it really covers, and the biggest misconceptions families have around qualifying for benefits. The conversation covers in-home care, assisted living, memory care costs, spousal asset protection strategies, the five-year lookback rule, and why certain estate planning decisions can accidentally create Medicaid problems later on. Going into the second hour, Jeremiah and Alex pivot into another major planning blind spot: letting taxes dictate investment decisions. They discuss concentrated stock positions, large unrealized gains, rental property sales, 1031 exchanges, Medicare IRMAA surcharges, and why many investors hold onto assets longer than they should simply because they fear the tax consequences. Throughout the show, the bigger theme remains the same: most financial problems become significantly harder when planning is delayed. Whether it's long-term care, estate coordination, taxes, or investment decisions, this show focuses on why proactive planning matters before life forces the issue.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren Guests:Brooke Baker, RN & Jessica Young, MSW Co-Founders of Legacy Navigation https://legacynavigate.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

What happens when your 401(k) suddenly surges and your lifestyle starts rising with it? This week, Brian and Jeremiah uses a real example of Micron stock climbing over 600% in about a year to show how quickly investor behavior can change. They break down how rising account balances lead to increased spending, more confidence, and a shift away from the original concern many had just a year ago: how to generate reliable income in retirement. The conversation centers on a key idea: Growth doesn't solve income. Without a plan, big gains can actually increase risk by creating dependency on account values rather than sustainable cash flow. A caller dealing with Boeing stock highlights another real-world issue: confusion around ownership, dividends, and managing investments held outside traditional custodians. Plus, when to reassess, how to convert gains into income, and why protecting what you've built matters just as much as growing it. The guys also introduces the concept of "insuring" investments and recognizing the cycle between fear, growth, and overconfidence.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Official show merch www.bucketsoff.com YouTube Live Stream every Friday at 11 est www.youtube.com/@4thLineVoice Todays Topics  my guest is Divyne Apollon we talk about his first year in pro hockey and his upcoming fight at Ice Wars  May 14th Edmonton Alberta at the River Cree Casino  Joe Lozito's book link https://www.amazon.com/New-York-Subway-Hero-Spree-Killer/dp/1499215800 Episode 501   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hoa muguet theo phiên âm Hán-Việt là hoa linh lan, gọi nôm na là hoa huệ chuông. Mỗi nhánh cây thường trỗ nhiều nụ hoa trắng hình quả chuông, có mùi hương thơm ngát. Hoa muguet thường xuất hiện vào Ngày Quốc tế Lao động. Nhưng ngoài việc cùng diễn ra vào ngày 1 tháng Năm, truyền thống tặng hoa muguet và ngày Lễ Lao động thật ra ít có liên quan với nhau. Theo Hiệp hội các nhà làm vườn ở Pháp (Société Nationale des Horticulteurs de France), truyền thống tặng hoa muguet vào mùa xuân bắt nguồn từ thời xa xưa, còn ngày lễ Lao Động chỉ có từ khoảng một thế kỷ nay. Trong huyền thoại Hy Lạp, thần dương quang Apollon đã tạo ra một thảm hoa muguet trên mặt đất để cho những đứa con gái của vị thần là 9 nàng thơ không dẫm lên sỏi đá, khi đi chân trần. Trong văn hóa cổ đại Hy Lạp, có truyền thống hái hoa thơm kết thành vòng xâu chuỗi, vào mùa xuân để tôn vinh Flora, vị thần của muôn loài hoa. Còn tại Pháp, truyền thống tặng hoa muguet tháng 5 có từ thời Phục Hưng, dưới thời vua Charles IX. Giai thoại kể rằng vào năm 1560, vua Charles IX cùng với thái hậu Catherine de Medicis, đã ghé thăm vùng Dauphiné. Hiệp sĩ Louis de Girard de Maisonforte đã hái nhiều nhánh muguet trong khu vườn của lâu đài Saint Paul-Trois Châteaux để tặng cho nhà vua, lúc ấy mới được 10 tuổi. Vua Charles IX rất thích mùi hoa muguet, nên khi trở về kinh thành, nhà vua mới ban lệnh tặng nhánh hoa muguet cho tất cả các phu nhân, quý bà trong triều đình. Hình thức tặng muguet không rườm rà về mặt nghi lễ, nhanh chóng trở thành một tục lệ phổ biến trong dân gian : tặng hoa muguet để chúc cho nhau trăm điều may mắn, vạn sự tốt lành. Thời kỳ Cách Mạng Pháp, mọi biểu tượng hay truyền thống gắn liền với hoàng gia, vương triều đều bị dẹp bỏ. Kịch tác gia Philippe-François Nazaire với bút danh « Fabre d'Églantine » đề nghị dùng hoa tầm xuân (églantine) một loài hoa hồng dại có trái đỏ, để thay thế cho hoa huệ chuông (muguet), mà ông cho là một biểu tượng của thời vua chúa. Việc tặng hoa tầm xuân diễn ra vào ngày 26 tháng Tư theo lịch Cộng hòa, thay vì ngày 1 tháng Năm như trước kia. Mãi đến đầu thế kỷ XX, truyền thống tặng hoa muguet mới được phục hồi vào ngày 1 tháng Năm. Các nghệ sĩ dùng một nhánh muguet thay thế cho hoa trà mi để cài trên ve áo khoác. Trong thời hậu chiến, các hiệu thời trang Pháp, đặc biệt là Chistian Dior, thường tặng hoa muguet cho toàn bộ đoàn thợ may, cũng như cho tất cả các khách hàng của công ty. Có lẽ cũng vì truyền thống tặng muguet này rơi vào cùng một ngày với Lễ Lao Động, chính thức trở thành một ngày nghỉ có trả lương tại Pháp từ năm 1946, tức cách đây 80 năm, cho nên nhiều người vẫn thường gắn liền biểu tượng của hoa muguet với ngày Lễ Lao Động tại Pháp. Trong nhiều thập niên qua, nhà nước Pháp cho phép các cá nhân cũng như các đoàn thể, hiệp hội được tự do bán hoa muguet trên đường phố, ở chốn công cộng. Tuy nhiên, người dân có thể bán các loại muguet được trồng ở ngoài vườn hoặc đi hái trong rừng, chứ không phải là hoa muguet mua từ các tiệm hoa hay từ các nhà trồng trọt, chủ yếu cũng vì mua hàng rồi bán lại là một hình thức kinh doanh cần phải khai báo.  Theo kênh truyền hình France 24, nhân ngày 1 tháng Năm, các nhà trồng hoa ở Pháp sản xuất khoảng 60 triệu nhánh muguet. Ngoài ngày lễ này, các nhà sản xuất trồng thêm muguet chủ yếu để chiết xuất hương liệu, cũng như để làm thảo dược. Vào những ngày đầu xuân đẹp trời, nhiều gia đình ở Pháp thường rủ nhau vào rừng đi hái tỏi gấu (ail des ours), hoa thủy tiên (jonquille) hay hoa huệ chuông (muguet). Về phần mình, cô Angelina cho biết cô thường mua hoa muguet làm quà tặng cho gia đình : « Theo truyền thống, người ta thường tặng cho nhau những nhánh hoa muguet (hoa huệ chuông) vào ngày 1 tháng 5. Đây cũng là một ngày lễ khá quan trọng ở Pháp, trong gia đình tôi, do mọi người đều được nghỉ lễ, nên đây cũng là dịp để cho gia đình quây quần bên nhau. Mỗi lần có djp gặp nhau, tôi vẫn thường mua hoa muguet để tặng cho mẹ tôi ». Hoa muguet dễ trồng, nhưng xét đơn thuần về mặt kinh doanh, hoa lại không dễ bán. Ông Yves Etancelin, chủ cửa hàng bán hoa ở thành phố Beauvais, vùng Picardie cho biết vì sao : « Hoa muguet khó giữ được lâu nên các chủ tiệm hoa phải biết cách xử lý nhanh. Do thời hạn kinh doanh rất ngắn, cho nên các nhà trồng hoa giao hoa đến các cửa hàng càng muộn càng tốt. Thường thì các tiệm hoa có thể trữ hoa muguet trong khoảng một tuần, nhưng đó là các nhánh hoa có giữ nguyên gốc, trồng ở trong chậu. Như vậy mới dễ quản lý hơn nhiều. Nếu là cành hoa tươi, chỉ có nhánh nhưng không còn gốc, thì đó là một sản phẩm rất dễ bị hư hỏng, nhánh muguet chỉ có thể giữ trong nước tối đa là hai ngày. Theo tôi nghĩ, 95% những người bán hoa sẽ đồng ý rằng đây là ngày lễ nhọc công, vất vả đối với người bán hoa vì muguet khó giữ được lâu, nếu không bán được trong ngày thì phải đành vứt đi, chưa kể đến chuyện chất lượng sản phẩm còn phụ thuộc khá nhiều vào khí hậu thời tiết ». Về phần mình, cô Mélanie Mourisset là một nhà trồng hoa ở vùng Nouvelle Aquitaine. Công ty gia đình cô mỗi năm sản xuất khoảng 500.000 nhánh hoa muguet chủ yếu để kinh doanh nhân ngày lễ 1 tháng 5. Cô cho biết những rủi ro của ngành trồng muguet : « Bất kỳ nhà sản xuất nào trong ngành trồng rau quả hay hoa tươi đều phụ thuộc vào điều kiện khí hậu, nhưng những nhà trồng hoa muguet lại càng dễ bị thời tiết ảnh hưởng mạnh hơn nữa. Riêng với vụ thu hoạch nhân ngày 1 tháng 5, tốt nhất là tính toán cách trồng muguet sao cho các nhánh ra hoa vào đúng dịp lễ, vì nếu nở rộ quá sớm hoặc quá muộn, nhà trồng hoa có nguy cơ bị thất thu, hái rất nhiều hoa mà vẫn không bán được. Chúng tôi cố gắng hái hoa ở độ « tối ưu » , nghĩa là trên cùng một nhánh không có nhiều hoa đã nở rộ mà cũng không có quá nhiều nụ xanh non, để đảm bảo là chùm hoa sẽ nở đúng vào dịp lễ. Sau khi hái xong, hoa muguet được vận chuyển đến phòng có điều hòa nhiệt độ . Điều quan trọng đầu tiên là hoa được cho vào xô nước có pha chất bảo quản, rồi cất vào trong phòng có đủ độ mát lạnh. Chỉ vài hôm trước ngày 1 tháng 5, hoa muguet mới được lấy ra khỏi phòng, rồi được sắp xếp bằng tay, ngắn hay dài, lớn hay nhỏ. Chỉ có những nhánh hoa tốt nhất mới được cho vào hộp cách nhiệt để vận chuyển đến các tiệm hoa. Những năm bội thu chính là thời kỳ hoa muguet nở ngay vào đúng mùa lễ, không quá sớm mà cũng chẳng quá muộn ». Theo ông Farell Legendre, trưởng ban điều hành nghiệp đoàn các chủ tiệm hoa ở Pháp, với thời gian biểu tượng hoa muguet đã đi vào đời sống thường ngày, trở thành một phần của văn hóa Pháp từ lúc nào không hay : « Trong một thời gian dài, biểu tượng của ngày 1 tháng 5 là hoa tầm xuân. Dưới thời Cách Mạng Pháp, hoa églantine được dùng để thay thế cho hoa muguet. Mãi đến đầu thế kỷ XX, truyền thống tặng hoa muguet mới được khôi phục tại Pháp. Theo truyền thống, khi tặng hoa muguet, ta nên tặng một chùm nhỏ với ba nhánh hoa cột lại, thay vì chỉ tặng một nhánh duy nhất. Và trên mỗi nhánh muguet, lý tưởng nhất là nên có 13 bông hoa trắng hình quả chuông : số 13 ở đây lại được cho là số hên, có thể đem lại nhiều may mắn cho người nhận. Vì vậy, nhiều người tiêu dùng ở Pháp vẫn thường tặng cho nhau một chùm ba nhánh. Nếu muốn giữ lâu hơn một chút, nên tặng hoa muguet trồng ở trong chậu. Nhưng dù có tin thuật số học hay không, tặng hoa muguet là một cách để chúc cho nhau được nhiều hạnh phúc và may mắn ».

Hoa muguet theo phiên âm Hán-Việt là hoa linh lan, gọi nôm na là hoa huệ chuông. Mỗi nhánh cây thường trỗ nhiều nụ hoa trắng hình quả chuông, có mùi hương thơm ngát. Hoa muguet thường xuất hiện vào Ngày Quốc tế Lao động. Nhưng ngoài việc cùng diễn ra vào ngày 1 tháng Năm, truyền thống tặng hoa muguet và ngày Lễ Lao động thật ra ít có liên quan với nhau. Theo Hiệp hội các nhà làm vườn ở Pháp (Société Nationale des Horticulteurs de France), truyền thống tặng hoa muguet vào mùa xuân bắt nguồn từ thời xa xưa, còn ngày lễ Lao Động chỉ có từ khoảng một thế kỷ nay. Trong huyền thoại Hy Lạp, thần dương quang Apollon đã tạo ra một thảm hoa muguet trên mặt đất để cho những đứa con gái của vị thần là 9 nàng thơ không dẫm lên sỏi đá, khi đi chân trần. Trong văn hóa cổ đại Hy Lạp, có truyền thống hái hoa thơm kết thành vòng xâu chuỗi, vào mùa xuân để tôn vinh Flora, vị thần của muôn loài hoa. Còn tại Pháp, truyền thống tặng hoa muguet tháng 5 có từ thời Phục Hưng, dưới thời vua Charles IX. Giai thoại kể rằng vào năm 1560, vua Charles IX cùng với thái hậu Catherine de Medicis, đã ghé thăm vùng Dauphiné. Hiệp sĩ Louis de Girard de Maisonforte đã hái nhiều nhánh muguet trong khu vườn của lâu đài Saint Paul-Trois Châteaux để tặng cho nhà vua, lúc ấy mới được 10 tuổi. Vua Charles IX rất thích mùi hoa muguet, nên khi trở về kinh thành, nhà vua mới ban lệnh tặng nhánh hoa muguet cho tất cả các phu nhân, quý bà trong triều đình. Hình thức tặng muguet không rườm rà về mặt nghi lễ, nhanh chóng trở thành một tục lệ phổ biến trong dân gian : tặng hoa muguet để chúc cho nhau trăm điều may mắn, vạn sự tốt lành. Thời kỳ Cách Mạng Pháp, mọi biểu tượng hay truyền thống gắn liền với hoàng gia, vương triều đều bị dẹp bỏ. Kịch tác gia Philippe-François Nazaire với bút danh « Fabre d'Églantine » đề nghị dùng hoa tầm xuân (églantine) một loài hoa hồng dại có trái đỏ, để thay thế cho hoa huệ chuông (muguet), mà ông cho là một biểu tượng của thời vua chúa. Việc tặng hoa tầm xuân diễn ra vào ngày 26 tháng Tư theo lịch Cộng hòa, thay vì ngày 1 tháng Năm như trước kia. Mãi đến đầu thế kỷ XX, truyền thống tặng hoa muguet mới được phục hồi vào ngày 1 tháng Năm. Các nghệ sĩ dùng một nhánh muguet thay thế cho hoa trà mi để cài trên ve áo khoác. Trong thời hậu chiến, các hiệu thời trang Pháp, đặc biệt là Chistian Dior, thường tặng hoa muguet cho toàn bộ đoàn thợ may, cũng như cho tất cả các khách hàng của công ty. Có lẽ cũng vì truyền thống tặng muguet này rơi vào cùng một ngày với Lễ Lao Động, chính thức trở thành một ngày nghỉ có trả lương tại Pháp từ năm 1946, tức cách đây 80 năm, cho nên nhiều người vẫn thường gắn liền biểu tượng của hoa muguet với ngày Lễ Lao Động tại Pháp. Trong nhiều thập niên qua, nhà nước Pháp cho phép các cá nhân cũng như các đoàn thể, hiệp hội được tự do bán hoa muguet trên đường phố, ở chốn công cộng. Tuy nhiên, người dân có thể bán các loại muguet được trồng ở ngoài vườn hoặc đi hái trong rừng, chứ không phải là hoa muguet mua từ các tiệm hoa hay từ các nhà trồng trọt, chủ yếu cũng vì mua hàng rồi bán lại là một hình thức kinh doanh cần phải khai báo.  Theo kênh truyền hình France 24, nhân ngày 1 tháng Năm, các nhà trồng hoa ở Pháp sản xuất khoảng 60 triệu nhánh muguet. Ngoài ngày lễ này, các nhà sản xuất trồng thêm muguet chủ yếu để chiết xuất hương liệu, cũng như để làm thảo dược. Vào những ngày đầu xuân đẹp trời, nhiều gia đình ở Pháp thường rủ nhau vào rừng đi hái tỏi gấu (ail des ours), hoa thủy tiên (jonquille) hay hoa huệ chuông (muguet). Về phần mình, cô Angelina cho biết cô thường mua hoa muguet làm quà tặng cho gia đình : « Theo truyền thống, người ta thường tặng cho nhau những nhánh hoa muguet (hoa huệ chuông) vào ngày 1 tháng 5. Đây cũng là một ngày lễ khá quan trọng ở Pháp, trong gia đình tôi, do mọi người đều được nghỉ lễ, nên đây cũng là dịp để cho gia đình quây quần bên nhau. Mỗi lần có djp gặp nhau, tôi vẫn thường mua hoa muguet để tặng cho mẹ tôi ». Hoa muguet dễ trồng, nhưng xét đơn thuần về mặt kinh doanh, hoa lại không dễ bán. Ông Yves Etancelin, chủ cửa hàng bán hoa ở thành phố Beauvais, vùng Picardie cho biết vì sao : « Hoa muguet khó giữ được lâu nên các chủ tiệm hoa phải biết cách xử lý nhanh. Do thời hạn kinh doanh rất ngắn, cho nên các nhà trồng hoa giao hoa đến các cửa hàng càng muộn càng tốt. Thường thì các tiệm hoa có thể trữ hoa muguet trong khoảng một tuần, nhưng đó là các nhánh hoa có giữ nguyên gốc, trồng ở trong chậu. Như vậy mới dễ quản lý hơn nhiều. Nếu là cành hoa tươi, chỉ có nhánh nhưng không còn gốc, thì đó là một sản phẩm rất dễ bị hư hỏng, nhánh muguet chỉ có thể giữ trong nước tối đa là hai ngày. Theo tôi nghĩ, 95% những người bán hoa sẽ đồng ý rằng đây là ngày lễ nhọc công, vất vả đối với người bán hoa vì muguet khó giữ được lâu, nếu không bán được trong ngày thì phải đành vứt đi, chưa kể đến chuyện chất lượng sản phẩm còn phụ thuộc khá nhiều vào khí hậu thời tiết ». Về phần mình, cô Mélanie Mourisset là một nhà trồng hoa ở vùng Nouvelle Aquitaine. Công ty gia đình cô mỗi năm sản xuất khoảng 500.000 nhánh hoa muguet chủ yếu để kinh doanh nhân ngày lễ 1 tháng 5. Cô cho biết những rủi ro của ngành trồng muguet : « Bất kỳ nhà sản xuất nào trong ngành trồng rau quả hay hoa tươi đều phụ thuộc vào điều kiện khí hậu, nhưng những nhà trồng hoa muguet lại càng dễ bị thời tiết ảnh hưởng mạnh hơn nữa. Riêng với vụ thu hoạch nhân ngày 1 tháng 5, tốt nhất là tính toán cách trồng muguet sao cho các nhánh ra hoa vào đúng dịp lễ, vì nếu nở rộ quá sớm hoặc quá muộn, nhà trồng hoa có nguy cơ bị thất thu, hái rất nhiều hoa mà vẫn không bán được. Chúng tôi cố gắng hái hoa ở độ « tối ưu » , nghĩa là trên cùng một nhánh không có nhiều hoa đã nở rộ mà cũng không có quá nhiều nụ xanh non, để đảm bảo là chùm hoa sẽ nở đúng vào dịp lễ. Sau khi hái xong, hoa muguet được vận chuyển đến phòng có điều hòa nhiệt độ . Điều quan trọng đầu tiên là hoa được cho vào xô nước có pha chất bảo quản, rồi cất vào trong phòng có đủ độ mát lạnh. Chỉ vài hôm trước ngày 1 tháng 5, hoa muguet mới được lấy ra khỏi phòng, rồi được sắp xếp bằng tay, ngắn hay dài, lớn hay nhỏ. Chỉ có những nhánh hoa tốt nhất mới được cho vào hộp cách nhiệt để vận chuyển đến các tiệm hoa. Những năm bội thu chính là thời kỳ hoa muguet nở ngay vào đúng mùa lễ, không quá sớm mà cũng chẳng quá muộn ». Theo ông Farell Legendre, trưởng ban điều hành nghiệp đoàn các chủ tiệm hoa ở Pháp, với thời gian biểu tượng hoa muguet đã đi vào đời sống thường ngày, trở thành một phần của văn hóa Pháp từ lúc nào không hay : « Trong một thời gian dài, biểu tượng của ngày 1 tháng 5 là hoa tầm xuân. Dưới thời Cách Mạng Pháp, hoa églantine được dùng để thay thế cho hoa muguet. Mãi đến đầu thế kỷ XX, truyền thống tặng hoa muguet mới được khôi phục tại Pháp. Theo truyền thống, khi tặng hoa muguet, ta nên tặng một chùm nhỏ với ba nhánh hoa cột lại, thay vì chỉ tặng một nhánh duy nhất. Và trên mỗi nhánh muguet, lý tưởng nhất là nên có 13 bông hoa trắng hình quả chuông : số 13 ở đây lại được cho là số hên, có thể đem lại nhiều may mắn cho người nhận. Vì vậy, nhiều người tiêu dùng ở Pháp vẫn thường tặng cho nhau một chùm ba nhánh. Nếu muốn giữ lâu hơn một chút, nên tặng hoa muguet trồng ở trong chậu. Nhưng dù có tin thuật số học hay không, tặng hoa muguet là một cách để chúc cho nhau được nhiều hạnh phúc và may mắn ».

Taking money out of your accounts sounds simple… but it's usually not as simple as it seems. In this episode, Nic walks through why withdrawals are more than just getting cash. They're actually one of the biggest tax decisions you'll make, especially in retirement. From understanding the difference between pre-tax, Roth, and brokerage accounts to seeing how each one impacts your taxes over time, this conversation focuses on how small decisions today can create bigger consequences down the road. He also shares real examples, including helping a child with a down payment and a situation where a "0% interest" car purchase ended up costing a couple thousands in additional Medicare premiums—all because of how the money was taken out. The goal here isn't to avoid taxes completely. It's to think more intentionally about when you deal with them, and how those decisions fit into your overall plan. Because it's not just about getting money out—it's about getting it out the right way.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

A simple tax question turns into a bigger realization: even if you don't owe income tax, you can still owe thousands in self-employment tax. Brian and Alex break down why a new graduate's tax bill didn't disappear after the standard deduction—and how Social Security and Medicare taxes quietly hit 1099 income at ~15%, catching a lot of people off guard. They shift into the real math behind Social Security—how a system that started at 1% contributions grew to over 15%, why it's under pressure, and what would actually have to change to keep it functioning. They challenge common fears around "running out of money" while explaining why the system is more likely to be altered than disappear. The duo also tackles concentrated stock risk, using a long-term Micron example to illustrate the tension between holding winners and having a plan to exit. A standout segment features a recent widow navigating retirement with limited assets, raising key questions around survivor benefits, Social Security timing, and turning $250K into sustainable income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Saint Michel est une figure iconographique très importante dans le christianisme, notamment en France. Il est aujourd'hui fêté le 29 septembre. Il est aussi l'un des saints patrons de la France, l'un des personnages les plus connus du christianisme, que l'on retrouve dans d'autres civilisations. Pour comprendre sa symbolique riche, nous devons aller au-delà de la simple interprétation religieuse du combat des forces de Dieu face au démon.Article de la revue Acropolis de septembre 2018, par Michaël Descloux, philosophe. Lecture par Noëlle Vannini.Abonnez-vous gratuitement à notre newsletter philosophique :www.revue-acropolis.comSaviez-vous que Nouvelle Acropole est réalisée à 100% par des bénévoles ? Nous dépendons donc beaucoup de nos étudiants et amis pour la divulgation !   N'oubliez pas de vous abonner à la chaîne et si possible de la partager sur vos réseaux sociaux.   Ce sera d'une grande aide !

  Most people don't have a money problem—they have a follow-through problem. Brian Wiley and Jeremiah Bates use real-life case studies, including a massive estate mess left behind by Brian's own father, to show why DIY financial planning often leads to incomplete or broken outcomes—especially when trusts aren't properly funded or plans aren't kept up to date. The conversation goes into estate planning mechanics, breaking down how wills vs. trusts actually work, why co-trustee structures can create logistical nightmares, and how poor coordination leads to delays, legal headaches, and family tension (even when intentions were good). The guys also covers actionable planning topics, including when to pay off student debt versus investing, how to think through competing financial priorities, and a detailed listener question on using IRA funds to fund an HSA—highlighting rollover rules, contribution limits, and tax implications.  Plus, a key question for business owners: when it makes sense to move from a SIMPLE IRA to a 401(k), including higher contribution limits, added flexibility, and the real cost of compliance.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Guaranteed income is often seen as the goal in retirement, but it comes with trade-offs that many investors don't fully understand. This podcast breaks down what you're actually giving up when you exchange a lump sum for a fixed income stream. While guaranteed income can provide predictability and peace of mind, it often comes at the cost of flexibility, control, liquidity, and long-term planning opportunities. Nic walks through how these decisions impact your ability to adapt to life changes, manage taxes, respond to market opportunities, and leave assets to heirs. He also explains why focusing only on the income amount can lead to oversimplified decisions with long-term consequences. It isn't about whether guaranteed income is good or bad—it's about understanding the trade-offs and making sure the decision fits into a broader financial plan.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

A volatile stretch tied to the Iran conflict quickly reversed last week, giving us a real-time example of how fast markets can swing and why reacting to short-term headlines can backfire. Jeremiah and Alex tackle listener questions, starting with whether apps like Acorns are a legitimate way to build wealth and leave money behind for family. That conversation turns into a deeper look at estate planning basics, including when simple tools like transfer-on-death designations work—and when they fall short. A standout segment features a real listener story about naming multiple co-trustees, which led to months of delays, bank complications, and family tension. The hosts break down why this happens and how to avoid it. Finally, the episode dives into retirement income planning, specifically whether lifetime income annuities belong in the "income bucket," and the trade-offs between guaranteed income and losing flexibility.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

If you have one, choosing between a pension lump sum and monthly income may seem simple, but it's one of the most important financial decisions you'll make in retirement. Nic breaks down the key differences between taking a guaranteed monthly pension and opting for a lump sum payout. While many people approach this decision based on whether they "need income," Nic explains why that thinking often falls short. From investment responsibility and market risk to tax flexibility and long-term income planning, both options come with trade-offs that extend far beyond the initial decision. He also highlights factors many people overlook, including how income behaves over time, the impact on a surviving spouse, and how taxes can play a significant role depending on which path you choose. And the right answer depends on how this choice fits into your overall financial strategy.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

With tax deadlines approaching, we talk about the real-world complexity of Roth conversions—starting with a detailed caller scenario that highlights how confusing the rules can actually be. Brian and Jeremiah walk through how taxes are paid on conversions, when estimated payments are required, and unpack lesser-known strategies like the "withhold and replace" approach and the 60-day rollover rule. The show also covers a second caller navigating a pension lump sum, breaking down rollover options, how to access funds without unnecessary penalties, and strategies like 72(t) distributions. Along the way, the hosts explain why even simple financial decisions can become complicated when taxes are involved, and why many advisors fall short when it comes to coordinating tax strategy with investment planning. Financial planning isn't just about what you do—it's about how and when you do it, especially when taxes are involved.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Many investors believe they have a financial plan. When in reality, they simply have an investment account... Nic Daniels and Alex Lundgren break down the critical difference between investment management and true financial planning. While investment management focuses on selecting funds and tracking performance, real planning goes much deeper—covering tax strategy, retirement income, risk management, estate coordination, and life transitions. They discuss common scenarios where portfolios have grown successfully over time, but clients lack a clear plan for how to turn those assets into sustainable income. From tax-efficient withdrawal strategies and Roth conversions to planning for market volatility and major life events, this episode highlights what should actually be part of the conversation. They also outline key red flags that may indicate you're not receiving real financial planning—and what proactive, comprehensive planning should feel like. Because growing your money is only part of the equation!   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Robert “Robik” Samborsky, founder of Apollon Nutrition and owner of the legendary Apollon Gym in Edison, New Jersey, has been one of the most authentic voices in the hardcore supplement space for over a decade. Most fans know the products. Fewer know the man behind them. Episode #211 of the PricePlow Podcast fixes that. Robik traces his full origin story from Soviet-era western Ukraine through Israel, South Africa, and New York, covering Lee Strasberg Theatre acting school, a decade of competitive Muay Thai including a title fight at Bangla Stadium in Thailand, and a gym purchase made with maxed-out credit cards. From there, the conversation moves through Apollon Nutrition’s founding while working with NutraBio’s Mark Glazier to utilize their manufacturing, then gets into the brand’s formulation philosophy (clinical-plus dosing, full label transparency, no kitchen sinks), and a full walkthrough of the current product lineup. Robik also drops the first public spoiler for Hooligan V8 and outlines everything Apollon has planned for 2026. Subscribe to the PricePlow Podcast on your favorite platform and sign up for Apollon Nutrition alerts on PricePlow before diving in. https://blog.priceplow.com/podcast/robert-samborsky-apollon-nutrition-211 Video: Robik Samborsky on Apollon Nutrition, Hooligan V8, and the 2026 Product Roadmap https://www.youtube.com/watch?v=OkRqoD6iqi8 Detailed Show Notes: Robik Samborsky on Apollon Nutrition’s Origin, Philosophy, and 2026 Plans (0:00) – Introductions (2:30) – Growing Up in Soviet Ukraine (5:00) – A Humanitarian Trip to Ukraine in 2022 (7:30) – America, Lee Strasberg, and a Fitness Pivot (10:00) – NPC Judging and the Road to Muay Thai (12:30) – Fighting in Thailand: Bangla Stadium (13:30) – How Robik Became Owner of Apollon Gym (18:00) – Marina: Competitor, PharmD, and Co-Architect of Apollon’s Health Line (22:15) – Apollon Nutrition is Born (29:30) – 50/50 Formula-X and the Genesis of Hooligan (32:15) – The 600mg Controversy and a 700mg Spite Version (34:15) – The Science of High-Dose Caffeine and the 20/40 Serving Model (42:00) – What “Hardcore Premium” Actually Means (50:00) – The F*** Mediocre Story: 4,200mg NO3-T and Ron Kramer (53:15) – Formulation: Clinical-Plus Dosing and Who Robik Trusts (54:30) – Margins, D2C Growth, and International Markets (1:01:00) – Content Creators and Marketing Evolution (1:04:00) – The NutraBio Manufacturing Origin: 50 Units at $18 Each (1:07:15) – The Six-Egg Rule: Dosing Philosophy in Practice (1:13:30) – Hooligan’s Two-Year Refresh Cycle and the Theobromine Revelation (1:17:00) – Hooligan vs. Assassin: Two Different Experiences (1:22:30) – Robik’s Personal Daily Stack (1:25:00) – Sharp Coffee and Slept-On Products (1:29:15) – GlucoVantage and the Case for Standalone Simplicity (1:31:45) – Casanova: From Limited Edition to Permanent Lineup (1:34:15) – 2026 Product Roadmap Where to Follow and Learn More Connect with Robik Samborsky and Apollon Nutrition … Read more on the PricePlow Blog

With markets entering correction territory, Brian and Jeremiah break down what recent volatility actually means and how investors should respond without making emotional mistakes. They explain how rising oil prices, inflation expectations, and interest rate uncertainty are driving market swings, and why having a strategy in place matters more than reacting to headlines. The conversation then shifts into actionable tax and investment planning. The guys walk through strategies like tax-loss harvesting, managing concentrated stock positions, and why reducing taxes can be just as impactful as chasing higher returns. They also highlight commonly missed opportunities, including properly funding HSAs and coordinating tax decisions with your overall investment strategy. A key segment focuses on what investors should expect from a financial advisor. After a caller shares frustration with being pushed off to a CPA, the hosts explain why true fiduciary advice should include tax-aware planning, guidance on Roth conversions, Social Security timing, and a fully coordinated strategy—not just investment management.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Fluent Fiction - Norwegian: Journey to Delfi: Finding Inner Wisdom on Ancient Paths Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-03-30-22-34-01-no Story Transcript:No: Det var vår, og verden var kledd i et teppe av villblomster.En: It was spring, and the world was dressed in a blanket of wildflowers.No: Solen kastet et gyllent lys over det frodige landskapet i antikkens Hellas.En: The sun cast a golden light over the lush landscape of ancient Greece.No: På en sti mot Orakelet i Delfi gikk tre reisende, styrt av ulike mål, men forent av reisen.En: On a path toward the Oracle at Delfi, three travelers walked, driven by different goals, but united by the journey.No: Sigrid gikk foran.En: Sigrid walked in front.No: Hun var bestemt og praktisk.En: She was determined and practical.No: Hun hadde en personlig avgjørelse å ta, og visdommen til Orakelet skulle gi henne svarene hun trengte.En: She had a personal decision to make, and the wisdom of the Oracle would give her the answers she needed.No: Bak Sigrid fulgte Lars.En: Behind Sigrid followed Lars.No: Han var full av eventyrlyst, drømmende om inspirasjon og nye oppdagelser.En: He was full of adventure, dreaming of inspiration and new discoveries.No: Elin gikk sist.En: Elin walked last.No: Hun var dypttenkende, tappet inn i livets store spørsmål, håpet å finne mening med det hele.En: She was deep in thought, tapped into life's big questions, hoping to find meaning in it all.No: Stien var kronglete og landskapet krevende.En: The path was winding and the landscape challenging.No: De passerte oliventrær og trampe stier som vindet seg gjennom de grønne åsene.En: They passed olive trees and trampled paths that wound through the green hills.No: Målet var Delfi, stedet hvor Apollon talte gjennom sin Orakel.En: The destination was Delfi, the place where Apollon spoke through his Oracle.No: "Se", utbrøt Lars og pekte mot en klar blå himmel.En: "Look," exclaimed Lars, pointing toward a clear blue sky.No: En flokk fugler fløy i en perfekt formasjon.En: A flock of birds flew in a perfect formation.No: "Det er som en tegning," lo han.En: "It's like a drawing," he laughed.No: Sigrid smilte.En: Sigrid smiled.No: Hun var takknemlig for hans lettsinn, men tankene hennes var langt borte.En: She was grateful for his lightheartedness, but her thoughts were far away.No: Hun grublet over sitt dilemma og hva Orakelet ville fortelle henne.En: She pondered her dilemma and what the Oracle would tell her.No: Da de endelig nådde Delfi, var de utslitte, men håpefulle.En: When they finally reached Delfi, they were exhausted, but hopeful.No: Ruinene lå spredt utover landskapet, suset av eldgamle historier hang i luften.En: The ruins lay scattered across the landscape, the whisper of ancient stories hung in the air.No: Sigrid gikk frem mot Orakelets tempel.En: Sigrid moved forward toward the Oracle's temple.No: Inne ventet prestinnen, kledd i hvitt, omgitt av duften fra røkelse.En: Inside awaited the priestess, dressed in white, surrounded by the scent of incense.No: "Hvilket spørsmål bringer deg hit?En: "What question brings you here?"No: " spurte prestinnen med en stemme som virket å komme fra selve klippene rundt dem.En: asked the priestess with a voice that seemed to come from the very rocks around them.No: Sigrid lukket øynene et øyeblikk, trekker pusten dypt.En: Sigrid closed her eyes for a moment, taking a deep breath.No: "Jeg søker veiledning i en viktig beslutning om min fremtid.En: "I seek guidance in an important decision about my future."No: "Prestinnen svarte kryptisk, "Følg strømmen av innsikt, men husk at svaret ligger inne i deg.En: The priestess answered cryptically, "Follow the flow of insight, but remember that the answer lies within you."No: "Sigrid kjente en blanding av lettelse og forvirring.En: Sigrid felt a mix of relief and confusion.No: Kunne dette vage svaret virkelig hjelpe henne?En: Could this vague answer really help her?No: På veien hjem var gruppen stille, dypt i egne tanker.En: On the way home, the group was silent, deep in their own thoughts.No: Lars pratet litt om det fantastiske eventyret, men Sigrid lyttet knapt.En: Lars talked a bit about the fantastic adventure, but Sigrid scarcely listened.No: Elin så ut i horisonten, et stille smil om munnen.En: Elin looked out to the horizon, a quiet smile on her face.No: Da de nærmet seg hjemmet, kom Sigrid til en forståelse.En: As they approached home, Sigrid came to a realization.No: Reisen hadde gitt henne mer enn alle svarene Orakelet kunne gi.En: The journey had given her more than all the answers the Oracle could provide.No: Den hadde lært henne noe viktig: å stole på seg selv.En: It had taught her something important: to trust herself.No: Og slik vendte de tre vennene tilbake, hver med sine gaver fra Delfi.En: And so the three friends returned, each with their gifts from Delfi.No: Sigrid var endret.En: Sigrid was changed.No: Hun var nå tryggere, klar til å ta sine egne valg.En: She was now more confident, ready to make her own choices.No: Hun skjønte at visdommen, den sanne visdommen, alltid hadde vært hennes å finne.En: She realized that the wisdom, the true wisdom, had always been hers to find. Vocabulary Words:ancient: antikkensOracle: Orakeletdetermined: bestemtpersonal: personliginspiration: inspirasjondiscovery: oppdagelserwinding: krongletechallenging: krevendedestination: målexclaim: utbrøtgrateful: takknemligdilemma: dilemmaruins: ruinerscattered: spredtwhisper: susetpriestess: prestinnenincense: røkelseguidance: veiledningcryptically: kryptiskinsight: innsiktrelief: lettelsevague: vagahorizon: horisontenrealization: forståelseconfident: tryggeretrust: stolewisdom: visdommenlightheartedness: lettsinnfamiliar: kjentancient: eldgamle

Most couples assume taxes will decrease when one spouse passes away, but in many cases, the opposite happens. In this podcast, Nic focuses on the often-overlooked "Widow's Tax Penalty" and why it can create a significant tax burden for surviving spouses. When filing status shifts from married filing jointly to single, tax brackets shrink—often resulting in higher taxes on similar or even reduced income. Nic explains how income sources like IRAs, Required Minimum Distributions (RMDs), and certain pensions may remain unchanged, while Social Security benefits are reduced. This combination can create what's known as "tax compression," where the surviving spouse faces higher tax rates and potentially increased Medicare premiums due to IRMAA thresholds. More importantly, this is why planning must occur while both spouses are still alive. From Roth conversions to asset location strategies, proactive planning can help reduce future tax burdens and protect long-term income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

As markets flirt with correction territory and geopolitical tension continues to drive uncertainty around oil, inflation, and interest rates, Brian and Jeremiah focus on what investors should actually do when volatility rises. Rather than reacting to headlines, they explain why market pullbacks create opportunities—from tax-loss harvesting to strategic gifting—and how disciplined planning can turn short-term declines into long-term advantages. The show then shifts into practical, real-world financial planning conversations. The hosts walk through how to handle inheritances, including what happens to debt, how probate works, and why some assets may need to be liquidated despite emotional attachment. They also highlight lesser-known strategies like gifting appreciated stock, charitable giving for tax efficiency, and using HSAs more effectively. In Hour 2, the conversation returns to fundamentals, breaking down retirement accounts like traditional IRAs and Roth IRAs in simple terms. How they're taxed, when contributions make sense, and how to use them to reduce taxes today while planning for future income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

With oil prices pushing above $100 amid escalating Middle East tensions, Brian Wiley and Jeremiah Bates open the show by breaking down what geopolitical shocks can mean for markets, inflation, and investor sentiment. They discuss more about how headlines surrounding energy prices and global conflict can amplify volatility, but also explain why long-term investors should focus more on portfolio structure and diversification rather than reacting emotionally to short-term news cycles. The conversation then shifts into deeper retirement planning strategy. Using real-world experiences, the guys walk through Roth conversion planning, including how investors with large IRA balances should think about converting money over several years to manage future taxes and required minimum distributions. They explore the trade-offs between converting aggressively versus managing tax brackets, how those decisions interact with Social Security timing, and why planning for unknown life expectancy makes retirement strategy more complex than simple math. Brian and Jeremiah also touch on broader financial planning topics including market volatility, inflation expectations, estate planning considerations, and the importance of having a coordinated strategy across taxes, investments, and retirement income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Long-term care is one of the biggest financial risks retirees face... yet it's rarely discussed until a crisis happens. In this podcast hosted by Nic Daniels, he explains what long-term care actually is, why it can be so expensive, and the common misconceptions surrounding who pays for it. Many retirees assume Medicare will cover these costs, but in reality most long-term care expenses must be paid out of pocket unless someone qualifies for Medicaid after depleting much of their assets. Nic walks through the different ways families approach this challenge, including self-funding care, traditional long-term care insurance, and newer hybrid strategies that combine life insurance with long-term care benefits. Plus, why timing matters when exploring insurance options and why many people wait until it's too late. Most importantly, this episode highlights the family and emotional considerations behind long-term care planning—because without a plan, the burden often falls on spouses or adult children.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

A surge in oil prices following escalating tensions between the U.S., Israel, and Iran sent energy markets sharply higher, raising new questions about inflation, interest rates, and how investors should respond. Jeremiah Bates and Alex Lundgren break down what a 35% spike in oil could mean for gas prices, consumer spending, and Federal Reserve policy, while explaining why reacting emotionally to geopolitical headlines can lead investors into costly mistakes. They discuss how markets historically digest global conflicts, why short-term volatility doesn't necessarily change long-term strategy, and how proper portfolio structure and liquidity planning can help investors avoid panic decisions during uncertain periods. The show also dives into timely tax-season issues investors should watch closely. Jeremiah and Alex explain why 1099 forms aren't always correct, common errors involving Roth conversions and IRA distributions, and why Form 8606 is critical for documenting nondeductible IRA contributions. They also discuss refund delays tied to new tax law implementation, how HSA contributions can still reduce taxable income before the filing deadline, and what self-employed investors need to know about solo 401(k) reporting requirements.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Everyone thinks they're diversified... Until the market proves otherwise. In this podcast episode, Nic Daniels breaks down what diversification really means and why so many investors get it wrong. After years of strong market performance, it's easy to feel confident owning growth-heavy portfolios, tech ETFs, or even multiple S&P 500 funds. But are you truly diversified, or just concentrated in disguise? Nic walks through real-world examples of "fake diversification," including overlapping mega-cap exposure, tech-heavy ETF combinations, U.S.-only portfolios, and the hidden risks inside high-yield income investments. He explains why bull markets mask concentration risk and how volatility quickly exposes it. Most importantly, he outlines practical, tax-aware ways to gradually rebalance and build a portfolio designed not just to grow wealth — but to protect it. Diversification isn't about today's gains, it's about making sure one market shift doesn't rewrite your retirement.   Take Our BetterBuckets™ Assessment https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

As U.S. and Israeli strikes on Iran dominate headlines, Brian Wiley and Jeremiah Bates break down what a Middle East escalation could mean for oil prices, inflation, and the stock market. They analyze the risk surrounding the Strait of Hormuz, discuss how markets have historically responded to geopolitical shocks, and explain why panic-driven decisions often do more damage than the events themselves. Most importantly, they outline how proper liquidity planning and structured allocation can protect investors from being forced into bad moves during volatile periods. The episode also features CPA Stephanie Helms, who unpacks the real details behind the new federal tax changes. From the fine print on "no tax on tips" and overtime pay to the new senior deduction for Social Security recipients and the complex auto loan interest deduction tied to VIN rules, the conversation exposes what actually qualifies and what doesn't. They also discuss state tax conformity issues, refund delays, and why some taxpayers may need to amend returns.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Jeremiah and Nic start with a volatile week in the markets following the Supreme Court's decision to strike down President Trump's tariff authority and the market's surprisingly calm reaction. They explain why uncertainty, not bad news itself, drives volatility and how diversified portfolios, including small caps, value stocks, and international exposure, help investors stay resilient when headlines shift. The conversation then turns to one of the most overlooked areas of financial planning: estate planning and account titling. They walk through the differences between wills and trusts, why wills do not avoid probate, and how simple steps like beneficiary audits, TOD and POD designations, and proper account ownership can prevent costly delays and family conflict. They also discuss whether trusts should be named as beneficiaries on IRAs, how inheritance rules differ for individuals versus trusts, and when simplicity is often the best strategy. Rounding out the show, the duo covers tax-season pitfalls, including corrected 1099s, K-1 delays, Roth conversions, backdoor Roth mistakes, and why rushing to file taxes can create unnecessary problems.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

This Saturday, Brian and Jeremiah dig into a timely and controversial topic: self-representation in real estate. Using a real client example, they explore why some buyers and sellers are bypassing traditional agents, how commission structures affect negotiations, and when professional representation truly adds value, especially in complex or high-stakes transactions. The conversation expands into the broader real estate industry, MLS practices, and whether technology and AI are beginning to disrupt long-standing models. The show also tackles a critical investing issue: overconcentration risk. Through real-world stories, from individual stock success to catastrophic losses, the hosts explain how having too much money tied to a single company, property, or asset can quietly put long-term financial security at risk, even when things appear to be working. Rounding out the episode, Brian and Jeremiah revisit the BetterBuckets™ strategy and explain how separating money into protection, income, and growth buckets helps investors stay disciplined during market volatility. They discuss income-producing options, dividend stocks versus bond funds, yield traps to avoid, and why focusing on purpose rather than headlines leads to better long-term outcomes.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Brian and Jeremiah talk about a volatile week in the markets with a deep dive into cryptocurrency, investor psychology, and why emotional reactions often lead to costly mistakes. The show breaks down Bitcoin's sharp pullback, putting it into historical context by explaining why 50%+ drawdowns have been a recurring part of its long-term behavior and why understanding your objective matters more than chasing momentum. The conversation expands beyond crypto to examine broader market volatility, headline-driven fear, and the danger of reacting to short-term noise instead of sticking to a well-structured plan. Using real-world examples, the hosts explain how missing just a handful of the market's best days can dramatically reduce long-term returns and why disciplined investors are often rewarded after periods of panic. The second hour shifts into practical planning topics, including how people actually buy and hold Bitcoin, ETFs versus direct ownership, and a candid discussion on annuities—when they may help, when they often don't, and how fear-based selling can lead to high fees and poor outcomes.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

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This episode blends financial psychology with practical planning. Brian Alex open by discussing a core principle of advice: why seeking guidance only helps if you're willing to follow it, and how emotional decisions often lead to expensive outcomes. They answer listener questions about investing in silver, explaining how precious metals can fit into a diversified strategy when used appropriately, while cautioning against overconcentration and fear-based investing. The conversation also tackles political and economic anxiety, reinforcing that reacting to headlines or administrations rarely leads to better long-term results than sticking to a disciplined investment plan. The show delivers actionable retirement planning insight through a detailed discussion on Roth conversions. Brian and Alex break down whether to pay conversion taxes from outside savings or withhold from the IRA itself, the trade-offs involved, and how these decisions interact with future tax brackets, Required Minimum Distributions (RMDs), and Medicare IRMAA thresholds. Additional listener questions cover college tax credits, 529 plan reporting, and foundational saving strategies.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Alexandra Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

One stock can change your life — and then quietly become your biggest retirement risk. Nic Daniels breaks down the dangerous side of a "winning" portfolio: stock overconcentration. Using Micron's explosive run as a real-world example (currently over $390/share as of the recording date), he explains how employees, long-time investors, and families who inherit stock can wake up to life-changing wealth… only to realize one company now controls their entire financial future. You'll learn how concentration risk happens (often by accident), why investors get emotionally stuck holding oversized winners, and why the fear of taxes and "missing out" can lead to retirement-threatening decisions. Most importantly, Nic outlines practical, repeatable strategies for trimming a concentrated stock position over time — without panic selling or trying to perfectly time the market.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Brian and Jeremiah tackle a fast-moving financial landscape—where market volatility, tariff headlines, and economic uncertainty can push investors into emotional decision-making. The show explores a proposed 10% cap on credit card interest rates, debating whether it's consumer protection or government overreach, and how limiting risk can also limit opportunity. They connect today's headlines to long-term strategy, using the BetterBuckets® strategy to explain how separating money into stability, income, and growth "buckets" helps investors stay disciplined when markets fluctuate. Through practical examples, they show why reacting to short-term fear can derail long-term financial success. The show also features in-depth retirement planning guidance, including Roth conversion strategy, required minimum distribution (RMD) planning, Medicare IRMAA impacts, and the decision of when to claim Social Security. Listeners learn how tax efficiency, cash-flow planning, and understanding the ripple effects of financial decisions can create flexibility and reduce surprises in retirement.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Brian and Jeremiah dive one of the biggest questions investors should be asking: how do you know if your financial advisor is truly working in your best interest—or quietly profiting from hidden fees? This show starts by breaking down fiduciary vs commission-based advice, why transparency matters, and what listeners should ask to uncover all-in advisory costs—including mutual fund expense ratios, 12b-1 fees, and confusing share class structures like A, B, and C shares. Plus, practical call-in planning: a homeowner selling property after decades in California learns how the $500,000 home-sale capital gains exclusion works for married couples, how improvements affect cost basis, and why moving states or turning a home into a rental can change tax outcomes. Finally, the hosts cover gig-economy tax basics—how DoorDash/1099 income gets taxed, the role of Schedule C, and why tracking deductions and mileage is essential.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The first full trading week of 2026 kicks off with major headlines—and even bigger financial questions. In this episode of Real Money Pros, Jeremiah Bates and Brian Wiley react to the surprise Venezuela takeover and what it could mean for energy prices, investor sentiment, and potential opportunities in oil producers, refiners, and oil service companies. They tie current events back to long-term discipline using the BetterBuckets® system, explaining how investors can stay strategic instead of emotional when news cycles accelerate. Listeners also get clarity on a major Social Security rumor—whether Social Security will be "tax-free." The hosts explain how Social Security taxation actually works, what "combined income" means, and why filing strategies can dramatically impact married couples. Hour two shifts into actionable tax planning with CPA Stephanie Holmes and enrolled agent Patrick Brinzo, covering Big Beautiful Bill changes, senior deduction impacts, estimated tax payments and safe harbor rules, and the truth behind "no tax on tips" and "no tax on overtime."   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

As 2025 winds down with markets near all-time highs, we focus on how investors can stay disciplined, tax-efficient, and emotionally grounded heading into 2026. Jeremiah Bates and Nic Daniels unpack why market volatility—driven by headlines, politics, and forecasts—shouldn't dictate financial decisions, and how time-based "bucket" strategies help protect lifestyle spending regardless of market swings. The guys go into common mistakes made by high-income earners, including excessive cash holdings, poor tax withholding, misreported backdoor Roth contributions, and costly surprises from mutual funds held in taxable accounts. Also, explaining how capital gains are taxed, how they affect Modified Adjusted Gross Income, and why understanding this distinction matters for Medicare premiums and tax planning. Listeners also got a detailed breakdown of Health Savings Accounts (HSAs) versus state Medical Savings Accounts (MSAs), including what expenses are eligible, when premiums can (and can't) be paid, and how HSAs can double as long-term tax-advantaged investment tools.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Today, we focus on building smarter financial strategies for business owners, retirees, and long-term investors navigating a changing market environment. Jeremiah Bates and Alex Lundgren break down retirement plan options for the self-employed, including SEP IRAs, Individual 401(k)s, and SIMPLE plans—highlighting contribution limits, employee requirements, vesting rules, and costly mistakes business owners often overlook. The conversation expands into the BetterBuckets® System, explaining how aligning cash, income, and growth assets can reduce emotional decision-making and create clarity during market volatility. The hosts discuss why understanding why you own certain investments matters just as much as what you own—especially when markets fluctuate. They also examine recent market movement, interest-rate cuts, rotation between growth and value stocks, and what volatility really means for long-term planning. Rather than reacting to headlines, the episode emphasizes disciplined strategy, time horizon alignment, and using market pullbacks as planning opportunities—not panic moments.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

We're in December so you know what that means... Actionable planning as the year closes — from Required Minimum Distributions to Roth conversions, backdoor Roth execution, QCD mistakes, and avoiding IRS withholding penalties. Jeremiah and Nic unpack overlooked tax traps, including misreported charitable transfers, improper Roth documentation, Form 8606 errors, and how retirees get hit with avoidable interest and penalties. Also something new to look forward to: Trump Accounts. The guys break down how these federally seeded children's investment accounts work, eligibility timelines, contribution rules, investment limitations, tax treatment, distribution penalties, automatic setup, and whether politics should influence planning. They compare these to 529 plans, UTMAs, custodial IRAs, trusts, and simple brokerage accounts while showing when each shines — and when giving an 18-year-old control can be dangerous. Plus, we get practical strategies for gifting, legacy planning, educating children about money, and using investment accounts as tools for skill-building rather than entitlement. Everything from tax efficiency, Social Security concerns, behavioral finance, and new policy mechanics.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

This last weekend, Jeremiah and Nic walk through everything investors should be thinking about heading into year-end. They open with the uptick in market volatility and why short-term swings (especially after years of strong returns) should be expected rather than feared. From S&P 500 movement to speculation-driven selloffs and margin trading, the guys explain what's actually happening under the hood. They then shift into the biggest year-end priorities: maxing out 401(k) contributions, coordinating Roth strategies, and using HSAs the right way—including the little-known double catch-up rule for couples over 55. The advisors outline practical moves for self-employed listeners too, especially when SEP IRAs unintentionally reduce their Qualified Business Income (QBI) deduction. Listener calls round out the show with questions on spending down windfalls, tax-efficient Roth funding, managing debt, and how to plan confidently when you feel "behind." In hour two, the conversation turns to 1031 exchanges and Delaware Statutory Trusts—how they work, who they're right for, and the real trade-offs behind tax deferral. They finish with retirement psychology, planning clarity, and why understanding your strategy matters more than timing the market.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————