Podcasts about cfp

College Football top 25 discussion is here for the 2026 season. On Josh Pate’s College Football Show Ep 710 Josh Pate discussed the placement of Indiana and Miami fresh off their national title matchup. What about Oregon, Ohio State, Michigan, and Penn State in the Big Ten? Where are teams like Texas, Alabama, UGA, Texas A&M, Oklahoma, and Florida in the SEC? Speaking of the SEC, tonight we go over the SEC schedule including Florida having a more workable path and LSU facing a tough road. What do we think about the current state of College Football and whether it makes any sense to compare the CFP to college basketball. Josh also gets called out for defending Dabo Swinney after recent allegations of tampering. The Mood Tracker segment continues tonight with a look at Mike Norvell and FSU. All that plus the cautionary lesson all of us could learn from attending a showing of The Housemaid. Be sure to let us know what you think, SUBSCRIBE to the channel, and CLICK THE BELL for notifications as we bring you multiple live shows per week!See omnystudio.com/listener for privacy information.

(2:00) Corey high on hoops(8:00) Old news but thoughts on the tweaks to CFP(13:00) Will you lock in on a QB before camp opens?(23:00) Three positioned FSU should have addressed better(29:00) 2026 a true test of Norvell's "organizational" strength?(32:00) Is player development back at FSU?(41:00) Would you now rather be in the B1G or SEC?(52:00) Baseball hits halfway mark of preseason, we take stockMusic: The Maine - Die To FallFollow CumminsLifestyle on IGUpgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod Download the  Underdog app today and sign up with promo code WARCHANT to score SEVENTY-FIVE DOLLARS in Bonus Entries when you play your first FIVE dollars - that's promo code WARCHANTMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(2:00) Corey high on hoops(8:00) Old news but thoughts on the tweaks to CFP(13:00) Will you lock in on a QB before camp opens?(23:00) Three positioned FSU should have addressed better(29:00) 2026 a true test of Norvell's "organizational" strength?(32:00) Is player development back at FSU?(41:00) Would you now rather be in the B1G or SEC?(52:00) Baseball hits halfway mark of preseason, we take stockMusic: The Maine - Die To FallFollow CumminsLifestyle on IGUpgrade your wallet today! Get 10% Off @Ridge with code WAKEUP at https://www.Ridge.com/WAKEUP #Ridgepod Download the  Underdog app today and sign up with promo code WARCHANT to score SEVENTY-FIVE DOLLARS in Bonus Entries when you play your first FIVE dollars - that's promo code WARCHANTMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Taylor, and Rabih kick things off with a few life updates before diving into key takeaways from the latest Federal Reserve meeting. They break down what those insights could mean for mortgage rates in the years ahead and what dentists should be paying attention to right now. They then talk about the changes in contribution rates for 2026 and important updates to be aware of. Finally, they talk about investment portfolio rebalancing and how to think about timing as you move closer to retirement. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Before you file your taxes, there are critical financial planning moves you need to understand. In this episode of the Wise Money Show, we break down the most important tax law changes for 2025 and 2026, including SALT cap updates, senior deductions, child tax credits, and new retirement rules. This isn't about getting a bigger refund; it's about using proactive tax planning to pay less tax over your lifetime and avoid costly mistakes.  Season 11, Episode 24 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/q52UrJxJDU0  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Jon and Cody talk some headlines, NBA, and CFP situation

The Childfree Life By Design team just got back from CES in Las Vegas, and they're sharing everything: the coolest tech, the weirdest products, and what it's really like to run a booth at the world's biggest consumer electronics show.From hip airbags and remote dementia diagnosis tools to robot dogs and AI-powered picture frames that clone voices, this episode covers it all. The team also reflects on community connections, including a special dinner with Childfree community members, and what they learned about the growing interest in Childfree resources from around the world.Key Takeaways:Age tech is having a moment. Hip airbags, remote dementia diagnosis, subtitle glasses for hearing impairment, and exoskeletons for everyday use signal a shift toward technology that supports aging well.The Childfree mission resonates globally. International attendees and even parents expressed genuine interest in Childfree resources, confirming the team is on the right track.Community connection matters. The team dinner with Childfree community members was a highlight, reinforcing the value of gathering with people who just get it.Focus on the people who get it. Rather than convincing skeptics, spend energy on the millions who already understand and want to engage.Resources Mentioned: Tech Crunch Article: https://techcrunch.com/snippet/3081558/childfree-trust-was-one-of-the-sleeper-surprises-at-ces-unveiled/ Episode Hosts:Dr. Jay Zigmont, CFP® - Founder & CEO of Childfree Wealth®, Childfree Trust®, & Childfree Insights. Author of "The Childfree Guide to Life and Money."Bri Conn, CFP® - Customer Experience Manager at Childfree Trust® and co-host. Bri joined the Childfree space after connecting with Dr. Jay while studying to become a CFP® professional.Scott Barnes, CFP®, TPCP®, CLTC - Associate Advisor at Childfree Wealth®. Scott is the go-to expert for long-term care strategies and tax planning questions.Maddy Roche - Chief Growth Officer at Childfree Trust® and responsible for all sales & marketing initiatives.Alli Gage - Chief of Staff at Childfree Insights. Alli is the behind-the-scenes coordinator who ensures all organizations operate in an orderly fashion across the board.About Childfree Life by Design: Childfree Life By Design is dedicated to helping Childfree individuals thrive by providing resources, guidance, and community. We recognize that when you've made a decision roughly 75% of the population doesn't make, conventional wisdom simply doesn't apply to you. Our mission is to help you design a life that works for you, covering everything from finances and relationships to career decisions and building support networks that will actually be there when you need them. Connect with Us: Ready to design your ideal Childfree life? Connect with our financial planning team at childfreewealth.com or learn more about estate planning at childfreetrust.com Join the conversation on social media: Instagram: https://www.instagram.com/childfreeinsightsFacebook: https://www.facebook.com/ChildfreeInsights/LinkedIn: https://www.linkedin.com/company/childfreeinsightsYouTube: https://www.youtube.com/@ChildfreeInsights Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast...

David Tenerelli is a financial advisor at Values Added Financial, and he joins the show today to share his transition from middle school band director to a career in financial planning. You'll hear about his pivotal decision to leave after 10 years for a new opportunity, why—despite his experience—he chose not to start his own firm, and what ultimately shaped his path forward. Listen in as David talks about how he discovered his passion for personal finance early on, yet initially dismissed financial planning as a career because of the sales-driven stereotype often associated with advisors. You'll hear how he eventually embraced the idea of becoming a CFP, landed his first position, developed his technical and client-facing skills, and advanced within his firm. You can find show notes and more information by clicking here: https://bit.ly/4sJpof0

On this week's pod, host and SBJ media reporter Austin Karp breaks down the NFC/AFC conference championship, and whether he thinks Patriots-Seahawks will set a Super Bowl audience record. He also breaks down the CFP title game number, and why the SEC's regular season numbers still dwarf the Big Ten on the whole. Plus, FanDuel President Christian Genetski gives insight on how sports betting is helping TV viewership, how he's monitoring the Main Street Sports RSN mess and why the company's ads feel different. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Connor and Mike reacts to a Brett McMurphy piece stating the reasons the CFP didn't expand to a 16-team format.

Welcome back to Hardcore Penn State Football, the go-to podcast for hardcore analysis, recruiting scoops, and unapologetic takes on the Nittany Lions! In this episode – dropping January 28, 2026 – hosts Shawn Kane and Cory Lestochi unpack a massive week in Happy Valley as the Matt Campbell era ramps up. We're diving into the freshly released 2026 Big Ten schedule, the transfer portal's chaotic close with key wins and losses, Beaver Stadium's transformation into a hockey haven, and the flurry of offers to the 2027 class following a pivotal visit weekend. From on-field projections to offseason buzz, this episode sets the stage for PSU's bounce-back year – don't miss it! The wait is over – the Big Ten drops the 2026 football slate, and Penn State's path looks primed for contention under Campbell! Shawn breaks down the full lineup: Non-con openers vs. Marshall (Sept. 5, home), at Temple (Sept. 12), and vs. Buffalo (Sept. 19, home); Big Ten kicks off with Wisconsin (Sept. 26, home - potential Stripeout), at Northwestern (Oct. 3), USC (Oct. 10, home - Whiteout candidate), at Michigan (Oct. 17), bye (Oct. 24), Purdue (Oct. 31, home), at Washington (Nov. 7), Minnesota (Nov. 14, home), at Rutgers (Nov. 21), and Maryland (Nov. 28, home). Cory analyzes tough road tests (Michigan, Washington) vs. favorable home draws, early win projections (9-3 floor?), and how Campbell's schemes exploit matchups. We debate fan themes, travel logistics, and playoff implications in the expanded CFP era. The winter portal slammed shut on January 16, capping a wild rebuild for PSU with over 40 departures but a massive influx of talent – including 39 transfers and 11 high school signees for over 50 newcomers! Cory spotlights additions like edge rusher Elijah Reeder (late 2026 signee from New Jersey), seven new defensive linemen for trench depth, and RB Cam Wallace's portal withdrawal for a return. Shawn covers losses like DE Chaz Coleman and QB Ethan Grunkemeyer, mixed grades (strong Iowa State pipeline but underwhelming elsewhere), early enrollees, and how this reshapes the roster for spring ball. We discuss NIL impacts, retention successes, and Big Ten comparisons. Happy Valley's iconic venue goes winter wonderland! Beaver Stadium hosts Penn State men's hockey vs. Michigan State on January 31 at 1 PM, with public skating kicking off today (Jan. 28) and women's hockey vs. Robert Morris the day before. Shawn shares the time-lapse of the ice rink setup, ticket info, and fan excitement for this historic outdoor clash. Cory discusses the games, weather prep, and how it boosts PSU's multi-sport vibe – plus, crossover appeal for football fans tailgating in the snow!   Visit rhettcoblentz.com for your graphic design needs! #WeAre #PennStateFootball #nittanylions

Are you still trying to decide when to take Social Security? Well, in this episode, I am deviating from my normal stance to share 4 reasons you might want to take your benefits ASAP rather than delay. And be sure to listen to the end, because I share why using a traditional break even analysis in your decision making process is not a good idea.

What do you want the second line of your obituary to say? For most people, it reads "father of three" or "survived by spouse and children." For Childfree people, that line looks different. This episode tackles the identity crisis that comes when your career defines you and you're facing a major transition without the traditional markers of legacy.Dr. Jay Zigmont, CFP® sits down with Drew Blickensderfer, two-time Daytona 500-winning crew chief and current Competition Director at Front Row Motor Sports, to discuss his transition from crew chief to leadership after nearly 20 years at NASCAR's highest level.  This conversation reveals how Childfree people can create legacy through leadership, not lineage.Key Takeaways:The obituary question reframes identity: What do you want the second line of your obituary to say? Legacy through leadership, not lineage: Childfree people build impact through mentoring, developing talent, and doing the morally right thing for others' careers. Being Childfree enabled career longevity: Crew chiefs rarely last 19 years. No children meant Drew could travel 36-38 weeks per year, miss no little league games, and pursue his dream longer than peers with family obligations.Platinum rule over golden rule: Treating people how you want to be treated fails with different generations and learning styles.Small wins sustain teams through adversity: When winning seems impossible (35 losers every NASCAR race), celebrate incremental progress. Episode Host:Dr. Jay Zigmont, CFP® - Founder & CEO of Childfree Wealth®, Childfree Trust®, & Childfree Insights. Jay embedded with Drew's NASCAR team for a year to research leadership and legacy for Childfree individuals, creating what he calls his "secret project" exploring how people build impact without traditional lineage.Meet the Guest:Drew Blickensderfer - Competition Director at Front Row Motor Sports. Two-time Daytona 500-winning crew chief with 19 years in NASCAR. Drew transitioned from crew chief (NASCAR's "head coach") to competition director, managing multiple teams instead of one. Being Childfree allowed him to travel constantly and stay in his role longer than most, while now entering an encore career with better work-life balance.About Childfree Life by Design: Childfree Life By Design is dedicated to helping Childfree individuals thrive by providing resources, guidance, and community. We recognize that when you've made a decision roughly 75% of the population doesn't make, conventional wisdom simply doesn't apply to you. Our mission is to help you design a life that works for you, covering everything from finances and relationships to career decisions and building support networks that will actually be there when you need them. Connect with Us: Ready to design your ideal Childfree life? Connect with our financial planning team at childfreewealth.com or learn more about estate planning at childfreetrust.com Join the conversation on social media: Instagram: https://www.instagram.com/childfreeinsightsFacebook: https://www.facebook.com/ChildfreeInsights/LinkedIn: https://www.linkedin.com/company/childfreeinsightsYouTube: https://www.youtube.com/@ChildfreeInsights Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast...

Carl and Mike are joined by John Talty as they discuss the latest college sports headlines including the new CFP format in which Notre Dame is guaranteed a spot as long as they finish in the Top 12.

3 O'clock Hour :00 – Carl and Mike get back into some football talk as they react to Bill Polian's son, Brian speaking out in defense of his father, after the former Colts GM fell under scrutiny for his perceived role in Bill Belichick being left off the Hall of Fame ballot. As they discuss, they agree that regardless of whether or not Polian voted for Belichick or not, the former Patriots head coach being left off the ballot comes off as being 'personal'. :20 – Carl and Mike are joined by John Talty as they discuss the latest college sports headlines including the new CFP format in which Notre Dame is guaranteed a spot as long as they finish in the Top 12. :40 – Carl and Mike get into What's on DA-DA's mind as they discuss creating playlist, Cody Rhodes wanting everyone who comes to his funeral to be in full gimmick and if tennis players going pro at such a young age does not allow them to learn how to deal with the frustration of a loss.

Welcome back to the Dollar Wise Podcast. In this episode, Brett Herron, CFP® is joined by Valentina Lucchetti-Gallo, HFM's Marketing & Events Coordinator, for a candid Q&A on one of the most frequently asked-about financial tools: the 401(k). Brett addresses common questions about contributions, taxes, investment options, retirement timelines, and employer matches. Whether you're just starting your career or eyeing retirement, this episode offers practical answers to help you better understand and manage your 401(k) plan.Tune into this episode to also learn:● How Roth vs. Traditional 401(k) contributions impact your taxes● The importance of risk tolerance and how it guides investment selection● What actually happens to your 401(k) when you retire● How employer matches and vesting schedules workWhat we discussed● [00:01:27] What a 401(k) is and why it's a foundational retirement savings tool● [00:02:17] How much you should contribute and how your goals affect that number● [00:03:22] Can you access your 401(k) money before retirement—and should you?● [00:05:25] Roth vs. Pre-tax contributions and their long-term tax implications● [00:08:47] Choosing investments based on risk tolerance and age● [00:12:14] What happens if the market crashes when you're ready to retire● [00:14:24] How to know if you have enough money to retire● [00:17:14] What physically happens to your 401(k) when you retire● [00:19:26] Rolling over an old 401(k) into a new plan or IRA● [00:20:43] Understanding employer matches and vesting schedules3 Things To RememberYour 401(k) is just one piece of your financial plan—contribution decisions should be based on your individual goals.Pre-tax and Roth 401(k) contributions offer different tax advantages depending on when you pay taxes—know which is best for you.Understand your employer's vesting schedule to ensure you don't leave potential retirement savings on the table.Useful LinksConnect with Brett Herron: bherron@hfmadvisors.com | LinkedInConnect with Valentina Lucchetti-Gallo: vlucchetti@hfmadvisors.com | LinkedInLike what you've heard…Learn more about HFM HERE Schedule time to speak with us HEREHFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether...

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Many parents and grandparents want to help family financially, but gift tax rules are often misunderstood. In this episode, Tyler Emrick, CFA®, CFP®, breaks down the 2026 gift tax rules in plain English, including how much you can give without triggering tax, when gifting appreciated stock makes sense, and how to properly structure family loans using IRS guidelines. We also explain when a gift tax return is required—and why filing one doesn't necessarily mean you'll owe tax. If you're considering gifting money to children or grandchildren, this episode will help you do it the right way. Here's some of what we discuss in this episode:

JJ & Alex with Jeremiah Jensen and Alex Kirry on January 28, 2026. Group of 6 making the CFP just got more complicated Way Too Early Heisman Favorites 2026 Would You Rather? Mike Folta, Utah Mammoth Radio Play by Play NFL Blitz: Bill Belichick will not be a first-ballot Hall of Famer The Top 10: Highest Paid CFB Coaches Will Hardy, Utah Jazz Head Coach Chandler Holt, digital writer for KSL Sports and co-host of the Jazz Notes Utah Jazz vs Golden State Warriors

HOW TO PAY THE IRS NOW THAT PAPER CHECKS ARE ENDING FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA Tessa Hall Media and Communications Specialist, BWFA About This Episode The IRS is moving away from paper checks and shifting to electronic payments. In this episode, the BWFA team explains what IRS payment modernization means, how refunds and tax payments will be handled going forward, and what steps taxpayers should take now to avoid delays or penalties. For more information, visit BWFA's Tax Planning Services page. Read Full Description The IRS is changing how it handles payments and refunds. As part of a broader modernization effort, paper checks are being phased out in favor of electronic options. While many taxpayers have already made this shift, others may still rely on mailing checks. In this episode of Healthy, Wealthy & Wise, the BWFA team discusses what this change means and why it matters. They explain how payment methods are evolving, what could happen if old approaches no longer apply, and why timing and preparation are becoming more important. At the same time, the episode addresses common concerns around security and access. Some people hesitate to use electronic payments, yet mailed checks often create their own risks. Understanding the tradeoffs can help taxpayers decide how to move forward with more confidence. The conversation also highlights practical considerations for managing payments and refunds under the new system. Rather than reacting after a problem arises, listeners are encouraged to think ahead and make updates before deadlines create pressure. Ultimately, this episode reinforces a simple point. As the IRS modernizes its processes, staying informed and adapting early can help prevent unnecessary delays, penalties, and frustration. The goal is not to complicate tax planning, but to make sure systems work as expected when it matters most.

Most DIY investors don't have an investing problem—they have a behavior problem, and this episode proves it with hard numbers: over the last 10 years, the average investor trailed the S&P 500 by about 3.3% per year, and even over 20 years they lagged by roughly 1.1% per year. We break down the 10 most common mistakes—from panic-selling and market timing to performance chasing, poor diversification, and treating investing like entertainment. Then we lay out an “advisor-like” improvement plan you can implement immediately: a one-page investing rulebook, automation, and a simple rebalancing system designed to keep emotions from hijacking results. We wrap with practical guidance for listeners who decide they want professional help, including what to look for in a fiduciary CFP® at a Registered Investment Advisor.

College Football has seen tampering go crazy with the recent shots Dabo Swinney and Clemson took at Pete Golding and Ole Miss. On Josh Pate’s College Football Show Ep 708 Josh Pate offers up his feelings about what can be done to curtail the issue. What do we think about surprise CFP contenders this season? Could Alex Golesh and Auburn or Matt Campbell and Penn State make a run? Does ESPN owning the entire College Football Playoff help or hurt the sport overall? Josh also takes a look at UGA under Kirby Smart and discusses whether the program is regressing. All that plus the mailbag is open and we take a look at a major winter storm taking aim at the eastern half of the United States. Be sure to let us know what you think, SUBSCRIBE to the channel, and CLICK THE BELL for notifications as we bring you multiple live shows per week!See omnystudio.com/listener for privacy information.

During this week's "Seven from 77," Jon provides an update on Michigan's offseason conditioning program, reacts to the return of the 12-team CFP model for 2026, breaks down the Super Bowl matchup between Seattle and New England, and shares his thoughts on the Wolverines' 2026 schedule. Then, around the 30-minute mark, new Special Teams Coordinator Kerry Coombs discusses the unique start to his time with the program, his 42-year coaching journey, and his work leading up to spring ball.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

College football doesn't really end anymore.The clock hits :00. The trophy gets handed out. And almost immediately, the sport gets loud again. Portal moves, litigation, coaching changes, CFP debates and more. Oh, and by the way, we've also got a Super Bowl coming up with Seattle vs. New England. (Hello Elite 11 finalists Sam Darnold and Drake Maye)With everything seemingly happening all at once in football, there's a race to be first instead of thoughtful.It's the same in the content world. Instant reaction shows. Social posts fired off before the dust settles. Takes delivered as fast as possible.That's not how we do it at Y-Option.Y-Option: College Football with Yogi Roth is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.After the Hoosiers hoisted their hardware, we took a pause. And today, we took a detailed look back at the season that was in 2025.Today's episode of Y-Option, fueled by our founding sponsor 76® — keeping you on the GO GO GO so you never miss a beat, is with Jim Thornby. For nearly two hours, we just talked. No timer. No rush. Multiple cups of coffee. Dozens of teams. Real perspective.One hundred and five minutes later, the result was less of a “podcast” and more of a conversation. And as we talked, one thing became clear:* The biggest change in college football isn't happening at the top. It's happening in the middle.The 12-team Playoff didn't just give more teams access, it changed the psychology of the sport. Suddenly, programs sitting fourth, fifth or sixth in their conference are making million-dollar decisions with almost no margin for error.Quarterbacks cost more. Mistakes cost more. One Saturday can swing an entire donor base's belief.We talk about why that reality is both exciting and dangerous and why the sport still hasn't figured out how to handle what comes after the final whistle.We went league by league—not to rank them, but to understand them.The Big Ten's rise isn't accidental, it's legit and not going anywhere but up. The SEC isn't broken, but it's no longer bulletproof. The ACC looked chaotic… until Miami made a run that forced everyone to re-think the narrative. And the Big 12? Still searching for the moment that changes how the country sees it.Context matters. And it's usually the first thing lost online.We also spent time on the Pac-12, a place that impacted both of us deeply, as it steps into a new reality.Looking back was a reminder that Oregon State and Washington State found ways to survive, even when the odds were stacked against them. And now, under the leadership of Commissioner Teresa Gould, they're building something with substance: proven head coaches, programs with real momentum, and a league that still has a path to the CFP.That's why we made this episode. To celebrate the game and coach the viewer.We know it's “too long” according to the experts and the algorithms. But Y-Option wasn't created to win an algorithm. It was built to serve the thoughtful college football fan, coach, and player.So before we sprint forward into the Super Bowl, Signing Day, and Spring Ball, let's take one last look back at where we've been as a sport.As always, thank you for being here. This doesn't happen without your support.Much love, and stay steady,YogiY-Option: College Football with Yogi Roth is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.y-option.com/subscribe

On this episode of the Dentist Money Show, Ryan, Matt, and Cody reflect on 2025's biggest themes in dentistry and analyze the results from a recent survey sent out to Dentist Advisors' clients. They unpack the results of the quantitative benchmark data and what it reveals about dentists' income, spending, savings, debt, net worth, and retirement readiness across different age brackets and career stages. They explore how specialization impacts earnings, how student loans and practice debt shape cash flow, and what dentists' savings and investment balances look like in practice. Tune in to hear how dentists are really doing financially and what these numbers mean for building long-term wealth and retirement confidence. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Donno & Leroy talk about the University of Miami getting their new QB Darian Mensah from Duke and also WR Cooper Barkate. Will these acquisitions help the U get back to the CFP ?

In this solo episode of the Stuff About Money podcast, Erik Garcia CFP®, BFA™, ChFC®, reflects on King Cake season in New Orleans, an annual reminder that some things are wonderful precisely because they don't last forever. Between questionable calorie intake and the collective sugar coma that sweeps the city, Erik is grateful that King cake is a season, not a lifestyle. That rhythm sparks a bigger conversation about money and how so much of our financial stress comes from forgetting that money, too, has seasons. Erik breaks down the three financial seasons he most often discusses with clients: laying the foundation, building on that foundation, and eventually spending down and distributing assets. Each season comes with different demands, priorities, and emotional pressures, and many “bad” financial decisions are only bad because they're made in the wrong season of life. He also explores how these seasons show up for business owners, from startup to growth to exit. If money feels tight, confusing, or heavier than expected, this episode offers clarity, perspective, and a reminder that you're probably not doing it wrong. You may just be in a different season. If it resonates, follow the show and share it with someone who could use that reminder. Episode Highlights: Erik discusses three financial phases: laying a foundation, building on it, and spending down your accumulated assets. (04:15) Erik shares his biggest financial mistake: trying to accumulate in five years everything that took his parents decades to build. (05:35) What makes a financial decision bad isn't always the decision itself, but making it in the wrong season of life. (07:45) The foundation-laying season is characterized by tight margins, high demands, and competing financial priorities like homeownership, transportation, and student loan repayment. (09:25) Erik explains that restraint doesn't mean selling yourself short, but preparing yourself for the future, and making hard decisions early makes transitions easier. (12:50) Regardless of income level, clients face a common challenge: people tend to spend or tie up their money in proportion to what they earn. (16:10) Not spending every dollar isn't a sign of missing out on life; it's good stewardship and wise money management. (18:30) Erik mentions that most small businesses fail not because they're bad ideas, but because they run out of cash. (22:00) Financial seasons have beginnings and endings, making it valuable to pause and reflect on where you currently are in your money journey. (24:50) Erik discusses the value of working with a financial planner who understands your values and the season of life you're in. (26:10) The reality that seasons are temporary makes having trusted guidance in your financial life incredibly valuable. (27:15) Key Quotes: “Restraint doesn't mean that you're selling yourself short. You're preparing yourself for the future.” - Erik Garcia CFP®, BFA™, ChFC® “Making good decisions that are in alignment with your values, that are in alignment with the season that you're in. It's important.” - Erik Garcia CFP®, BFA™, ChFC® “I love the fact that more and more people aren't just quitting or retiring completely, that they recognize they have something still to give. There's meaning, and there's purpose in working.” - Erik Garcia CFP®, BFA™, ChFC® Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

More on Group of 6 CFP spot, Spartan Ventures concerns, new Oklahoma AD Roger Denny on collective bargaining and more.We would love to know what you think of the show and you can let us know on social media @D1ticker.If you are not subscribed to D1.ticker, you can and should subscribe at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.d1ticker.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

In this episode, hosts Spencer and Michael discuss the impact of severe weather on school schedules, share highlights from Texas Tech basketball, and delve into updates on college football, including the evolving CFP format and Dabo Swinney's proposals regarding the transfer portal. They also cover the Lady Raiders' recent performance and wrap up with insights from the NFL playoffs leading to the Super Bowl.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hour 1 of JJ & Alex with Jeremiah Jensen and Alex Kirry. Group of 6 making the CFP just got more complicated Way Too Early Heisman Favorites 2026 Would You Rather?

If you receive 100% of your income from your salary, the manner in which you are taxed is relatively straightforward, but a growing number of Americans today receive income from multiple sources, each of which may be taxes a little differently. Donna and Nathan discuss how your tax liability is calculated on different types of income, including: social security, pensions, dividends and interest, capital gains, retirement accounts, life insurance proceeds, annuities, and real estate sales. Also, on MoneyTalk, when to consider a Roth conversion, and how IRRMA impacts Medicare premiums. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 1/26/2026; Original Air Date: 4/9/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if it's enough for their high-expense life. "Tony and Carmela" are in a similar boat with millions saved at 61 and 59, but they're worried their asset allocation won't get them through their retirement. No matter the numbers, the fears sound exactly the same: will you run out of money in retirement? Turns out overcoming that fear is not about hitting a magic number. We'll find out what it's all about today on Your Money, Your Wealth podcast number 566 with Joe Anderson, CFP®, and Big Al Clopine, CPA. The fellas also spitball Roth conversions, long/short direct indexing capital gains tax strategies for "Juicy Squeeze", working after retirement for Wendi, and how one confusing word can completely change a retirement timing decision for "Jacques and Johana." Free Financial Resources in This Episode: https://bit.ly/ymyw-566 (full show notes & episode transcript) Withdrawal Strategy Guide - free download Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) WATCH 6 Signs You Truly Have "Enough" For Retirement on YMYW TV REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - 43 With $850K. Am I Too Late to Build Enough Roth Money? (Mr & Mrs Smith, Dallas, TX) 11:29 - Nearly $7M Saved at 58 and 64. Do We Have Enough for a High-Spend Retirement? (Lucy & Desi, Jersey Shore, NJ) 23:38 - 61 and 59 With $4.5M Saved. Can I Retire Now With a 50/50 Portfolio? (Tony & Carmela, San Ramon, CA) 32:09 - Mid-50s with $685K Saved. Can One Spouse Retire While the Other Works? (Jacques & Johana, Florida) 38:53 - Are Long-Short Direct Indexing Tax Strategies Worth the Fees? (Juicy Squeeze) 47:04 - Should I Work as an Employee or Contractor After 70 on Social Security? (Wendi) 52:04 - Outro: Next Week on the YMYW Podcast

Gregg Lunceford, Managing Director at Mesirow Wealth Management and a retirement transition researcher, joins Lesley Logan to explore why retirement is about more than financial planning. He introduces the concept of the “third age”—a longer, undefined stage of life where identity, purpose, and structure matter just as much as money. Together, they discuss why work identity is so hard to release and how shaping your retirement identity early can make your next chapter feel intentional instead of uncertain. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Why modern retirees now face a long “third age” requiring purpose beyond leisure.How work identity provides recognition, social connection, and daily structure.The difference between living as your “ought self” versus your “ideal self.”Why failing to plan identity often leads retirees to burn through money.Why creating a shared retirement vision helps guide future decisions together.Episode References/Links:Mesirow Wealth Management - https://www.mesirow.comGregg Lunceford on LinkedIn - https://beitpod.com/greggluncefordExit From Work by Gregg Lunceford - https://a.co/d/c84euxXThe Psychology of Money by Morgan Housel - https://a.co/d/feJq9lhGuest Bio:Gregg Lunceford has 32 years of experience in financial services. He is a Managing Director, Wealth Advisor in Mesirow Wealth Management and Vice Chair of the Mesirow DEI Council. He creates comprehensive financial planning strategies for individuals, families, organizations, athletes and business owners. He is the Investment Committee Chair for the American Heart Association, on the Board of Directors for the Juvenile Protective Association, an Advisory Board Member for the Nathan Manilow Sculpture Park at Governors State University and is an Advisory Board Member for the Quinlan School of Business at Loyola University. Gregg is also a frequent speaker on WGN radio's “Your Money Matters.” Gregg earned a B.A. from Loyola University, an MBA from Washington University, and a PhD from Case Western Reserve University where he conducted research on retirement. He is a CERTIFIED FINANCIAL PLANNER® professional and holds a Certificate in Financial Planning Studies from Northwestern University. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Gregg Lunceford 0:00  What we all need to start to focus on right now is just like we had that career guidance counselor helping us and coaching us and to that next thing, we need to start taking time to figure out that action plan for that next thing. And once you start to figure out, I need to form a retirement identity and understand my ideal self. You start to self motivate and become excited about it.Lesley Logan 0:27  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:10  Okay, Be It babe. This conversation is really cool. It's really, really cool. It might you I'm going to introduce it in just a second, I'm going to introduce the guest, and it might be somebody like when you think about this, you yes, you do. Yes, you do. And I actually am really excited once I hit in on this, because Brad and I have already talked about this topic with each other, but I we've actually not dove into what retirement looks like, right? Like? What does it look like? Who are we, you know. And I think especially if you're an elder like me, you're like, I'm still trying to figure that out for my work stuff, but, but there's, there's an even bigger reason for us to think about it now, and Gregg Lunceford is going to explain that to us, and it's going to give you so much inspiration and a joy and excitement and possibility. And I can't think of a better be it till you see it, thing that be working on than what Greg is going to offer us up today. So here he is. Lesley Logan 2:04  All right, Be It babe, I'm really excited, because when I met this guest, I was like, hold on, this is very different. This is a whole different attitude to have about. Fine, we're going to talk money. And I know some of you want to, like, put your head in the sand and ostrich out, but we're gonna talk retirement. We're gonna talk about some really cool things, also just thought processes to have. We have an amazing guest, the first person ever make me think of this in a different way. Gregg Lunceford from Mesirow, is here to rock our world today. So Greg, tell everyone who you are and what you do.Gregg Lunceford 2:34  Hello, Lesley, thank you so much for the opportunity to be on your show. My name is Gregg Lunceford. I am a career professional in financial services. I work for a firm called Mesirow Financial in Chicago. We have locations across the country and some overseas. I am a wealth advisor. In addition to that, I am also an academic researcher, and my field of study is retirement transition. And so what I work with clients on is getting them, not only do you understand the financial part of retirement, but also the social, emotional components of making the transition and how it is unique to them, because the 21st Century retiree retirement transition is much different and way more dynamic than most people think, having watched others do it in the 20th century.Lesley Logan 3:21  This is so cool, because you're not, like, our, you know, our grandfather or father is like, like, financial planner, you are actually thinking, like, deep about the person. And that I find, I don't think I've known anyone who does that. Like, usually it's like, here are the numbers, here's your sheet. Let's put this in. How much money do you want to have and like, that's it, but you you've brought more personality to it and also more emotions to it. How did you get started in that? Gregg Lunceford 3:47  So I'll give you a little bit of a backstory. So as I mentioned, I've been in financial services for 33 years, and when the real estate bust occurred in 2008 I was working for another organization, and we were having people come in and very successful people, and they were set for life. They were being offered an exit package from their from their employer. They were leaving a lot of C suite roles, or maybe a little role below the C suite. And we were having meetings with them to prepare for retirement, and we would go through all the financial numbers and something still wasn't right. And what I was noticing was they were hesitant to make the retirement decision, even though the company was saying, look, we, giving you this excellent opportunity to exit early create cost savings for us. It'll create great financial opportunity for you, especially because we were in this period of time like unemployment was going above 11%, and so here's the opportunity to take this nest egg and be good, which was counter to what we were taught in our industry when I came in the industry that, you know exiting out was an economic choice, that once you hit a certain number, then you would go look for activit ies of leisure, because work can be depressing and daunting and stressful and all those kinds of things. And even when I was watching, you know, commercial ads from people in the industry and competitors, you know, you'll see something that goes, and I won't call the company, but they had a very successful campaign that said what's your retirement number? Yes. And this number will follow you down the street. Is this? You know, you walk from the door, do you remember that? And you look at your balance, it's like, if today's the day you just tell your boss, I can't stand you, and it's over with, right? And so this was very counter to what I was experiencing. And so I started to talk to some of the senior level people in my organization. I said, there's something going on here and and they said, well, it's probably because they're talking to us, and they're also shopping with other people to see who they which which company they want to work with. So go offer them a great discount, because it's probably all things equal, and it's just they're being sensitive about numbers, once again, making this an economic choice, so we would do that. And what I recognize is the sales cycle got even longer. And so I would go back to them. But I said, have you been looking at the trends for our sales cycle? And you would think that these would be quick, easy, easy sales, you know, because people supposed to be running out of the door, and they took longer. And so I said, there's something we don't understand about someone who is at this stage, and the feedback I got was, if it's something social emotional, there's nothing we can do about it. You know, if someone's afraid about running out of money, you can create an annuity product to take care of them for life. Somebody's worried about interest rates going up, you can create a product that deals with interest rate sensitivity, but nothing can deal with how a person feels. And I didn't accept that as an answer. I thought that was wrong, because the way I view it is, clients hire us, and they trust us, and we can do a better job the more we understand the client beyond just their finances, right? And I felt like there was a big problem here. So I basically said, you know, I want to go back to school and study this. And I negotiated for time to be in class, and I got it. And so I went to Case Western Reserve University. I got into a PhD program there, and I did four years of PhD study and lots of studies trying to figure out what are the social, emotional factors, as well as the financial factors that a person considers when making the retirement decision. And there were just tons of things that I learned in that process that I used to help my clients. Were happy to talk to you about that journey.Lesley Logan 7:37  Yeah, I'm excited to get in with that, because it's really funny as you talk about this, I like, my my family, right? My mom is two years from retirement, and she's got two homes, you know, in California that it, honestly, I was trying to get her to sell few years back because it would have been a great idea. And like, get a condo, be set for life. And we're like, showing her the numbers. We're like, look at this. This is a you, you can set yourself up to just be chill, and she is like, not listening, and I think it's because of the emotional attachment to these properties versus, like, the numbers. And so I can I get that right? Like, I get my my in laws could have retired years ago. I don't think that they know what to do if they don't have work things. And I don't even know that they love their work. I think they like what the what the work represents that they do during their day. So I do want to dive into this, because in being it till you see it like I'm hoping that every listener here gets to live to the age that they desire, like and we all are, as you mentioned, like that, the time that we're in people are living a much longer time, like retired at 65 and dying at 90. It's a long time to not have a J-O-B, right? So it would be really cool to chat with you, because like being it till we see it means including what we want to be. How do we want to be when we're older and not doing the thing we're doing? How do we want to be in retirement? So let's dive into that a little bit.Gregg Lunceford 9:06  Sure, so a couple things I want to cover off on. It was like one, how did we get here? And I think you've already touched on that. The fact is, we're living longer. And so if you are looking at a retirement maybe 50 years ago, when people really started to expire in their late 60s and their 70s. What occurred was you got to 65 and the system told you 65 is the number. Why does this arbitrary number was picked one day when they were trying to figure out Social Security, they said it was 65 is the number, right? And so you come out at that period of time, and you only have just a few healthy years in front of you, or at least you anticipate you only have a few healthy years. So what came out was this concept of a bucket list. So I am going to use these healthy years to travel, play all the golf I can, and have all this leisure that I can before I am too physically unable to do this or mentally unable to do this. And so couple things were wrong there, as it relates to our retirement 21st century. One, we're living longer, so you're going to be physically and mentally able to do something for a long period of time. So if you don't sort of set goals for yourself and see what you can be in the futurem you're going to get bored really, really quickly, and you're going to start to decline very quickly, simply because you're absent of certain things, purpose and drive and and goals and accomplishment. You know, it's more than just a couple rounds of golf that are going to make you happy. And so what I think people don't understand is we are now living in a period of time where it used to be you went from your youth to middle age and to old age. And so this transition from middle age to old age was about that 60 mark, right? And so people just basically said, I have no more control. The system is going to do what it does to me. I'm going to be booted out of my job. I'm going to be sent off to do leisure. I guess that means I play with my grandchildren or volunteer, and I'll just follow suit. And what happened is a lot of people found themselves doing things that weren't rewarding to them. Now we're in a new era, because we live longer. And what is present now is what is called, in academic terms, the Third Age. So you now go from early age to middle age to this Third Age, which is this undefined period, and today's retirees are the first people to go on this, and then you go on the old age, and the Third Age is this 20 year life bonus, where you get to define who and what you want to be. And think about it, you're wiser than you ever been. For most people, you have more financial resources than you ever had. You don't have a commitment to other people, meaning you've raised your children so you don't have to worry about them. Hopefully you're in a position where you don't have to care for aging loved ones, right? So this is a period of time where you can do anything and everything you always wanted to do. And people go, well, what didn't I have the opportunity to do whatever I wanted to do? Not quite, because remember when we were growing up, and those before us were growing up, we were kind of encouraged to do things that were socially acceptable. Rght? Lesley Logan 11:02  I agree. Gregg Lunceford 9:07  It wasn't until recent decades where someone says, I'm going to start a computer company out of my garage. I'm going to drop out of college and do something that's undefined and pioneer so the current generations, entering into into retirement, have never developed this proactive protein behavior the way maybe millennials and Generation Z has.Lesley Logan 12:54  I completely agree. Because, like, I, I mean, I feel very lucky that even though I was raised very much by, like, almost a Boomer and and a hippie like, I do have a career where I am doing whatever I want. I'm an elder millennial, so I have that, but I have friends who are just a few years older than me, and I don't think that they have a they don't have hobbies. If they have a hobby, it's going to the gym. You know what I mean? Like, it's like they don't really have things so outside of their work, it's like, what do you do for fun? Are you kidding? Like there's no and so I feel like what you're getting at is, like, no one has actually spent time thinking like, but what do I actually want? How can I dream about that, right? How can I make that so exciting that that I want to take a retirement package or that I'm excited to I have this I'm not just like, oh, let me go play golf three times a week. Like, what else? I have no purpose. I think it's really fascinating that that there is a good chunk of, like, I would say, probably over 45 who don't really, they're exploring it, but don't know. And how do you figure that out?Gregg Lunceford 13:59  So let me ask you a question. Lesley, what is your earliest memory? Or how about how old do you think you were when someone first asked you what you wanted to be when you grow up?Lesley Logan 14:09  I remember being in elementary school, and I'm sure it was asked of me earlier, because people have told me that I said something different earlier. But I remember in fourth grade, I had to, like, write a poem about who I was and what like, what did it feel like, and what did it sound like, and what did it look like. And I said, a judge, you guys, that should shock everyone.Gregg Lunceford 14:36  My point is so since age 10, someone has been helping you develop your work identity. So people were asking you at home or in your neighborhood or a church or wherever you socialize, what you're going to be then you're going to go to a middle school and you're at the high school and they're going to assign a counselor, going to start telling you to think about college or trade school or whatever it is. Is then you got to get into career. And then whatever career you get in, maybe you're assigned a mentor that's helping you understand or think about how to advance in that career. And then you get to this point where maybe you're like late 40s or 50s. And does anybody help you figure out what your identity will be after work. Lesley Logan 15:22  No, as you're saying this. Gregg Lunceford 15:24  You're on your own. You're on your own. And the only thing that was different here is when they put you into that position where you were felt forced into retirement, right? And then there was also a safety net there in the form of a pension that doesn't exist the way it once did, and there were other government safety nets that may not exist the way they once did before, when they put you there, you just said, okay, I'll accept it, because I'm only going to be around five years anyway. So let me work on this bucket list, but you never really thought about and I think people don't really dig into thinking about what the value of work is, beyond the financial resources it provides. So they get to the tail end of their career, and some people may not even think about it anyway, either. So career, because you've spent all this time having these conversations, you start developing this identity because your work, you become what your work is, right? And so, so a lot of people look at the economic resources it provides, but work also provides for us ways to get psychological success. Who doesn't like completing a task and getting recognition, and if you're in a good working environment, right? Everyone says, Let's applaud Lesley because she did this for the team which created this opportunity for the company, which created this value that she should be recognized for, right? So that that's very important, that gives you a reason to get out of bed, that gives you a reason to thrive, and that has some value when you walk out of the work environment. How do you replace that when you go into this third age? The second thing is, work provides socialization. No matter what you think about your work colleagues, if you like them, that's great. They give you somebody that you want to see every day, that you become personal friends with, that you grow with, that you learn to care about. If you hate them, they give you something to laugh about at the end of the day. You know what that idiot Bob did today again, right? That gives that gives you more than you think, right? And so work provides socialization. And then the third thing that work provides that we often overlook is structure in your day. What to do with your time, right? And so for a lot of people, when they don't have somewhere to go, something to do that makes them feel accomplished, and people to be around that they enjoy or either get some form of comical satisfaction from, they're lost when you put them out there on their own. And so what I learned and through my research is this transition for a lot of people, is the first career transition that they've made independently, and it is scary. Lesley Logan 18:08  Yeah. I mean, when you put all that together and I'm just like, going, wow, you know, people aren't it, one of the questions we've got on the pod is like, how do you make friends as a note when you move to a new place? It's like, I mean, for us, we work for ourselves. So, like, we didn't have a place to go to make, you know, so I, my husband and I have a different experience in, like, how to find socialization and structure to our day. And, you know, like we've had to make it happen. But for so many you know, my dad, he quit his he quit his security job. Yes, guys, my 72 year old father was a security guard, but he quit it because he got frustrated. Anyways, he is back working as a crosswalk guard because he's like, I'm bored. I have nothing to do, and I'm like, but dad, we could get a hobby. We could play these game like, all this stuff. And it's because he never, ever, ever in his whole life, did anyone ever encourage developing the skills outside of work.Gregg Lunceford 19:06  Developing a retirement identity, right, developing a retirement identity. And what also makes it hard is, you know, when you are developing a retirement identity, like I said, this is your first shot at personal freedom in life. Okay, when you're growing up, you had to do what your parents told you to do. Then you became an adult, and then you had all these set of responsibilities. And so you were doing what people told you you ought to do. You were really working on your art self. So if you're going to have a family, you ought to find a job that produces enough income, you know. So you didn't really think about ideally what you wanted to do. And what is really amazing to me is I've interviewed some highly successful people that do amazing things, and when I start talking to them about forming their ideal self, the stuff they come up with is so counter to what what and who they are. It is. Is amazing to me. So I get cancer surgery or successful attorneys or engineers to say I want to learn how to write mystery novels, or I want to start a rock band. And so what it points to me, and what it what comes out to me is these are probably things that they wanted to do in the 10, in their teens, in their early 20s, all along, but they couldn't do that because society told them these are not the things a person ought to do. You know, if they want stability in terms of income, if they want respect in their community, if they want you know, the structure that around it allows them to have a family and not have to worry about things. And so now you get to this third age, and I saw all off the table. You're wiser than you've ever been. You have more financial resources than you've ever had. You know, you have more personal freedom. Now you get to, really, for the first time, work on who your ideal self, not your ought self, who you want to be. And if you get it right, you're the only person you have to hold accountable. If you get it wrong, you're the only person you have to hold accountable. And so some people go, well, Greg, what does it have to do with money? I think people who don't take time to find this identity burn through a lot of money trying to find themselves. Right? And so, when I first started this journey, I was trying to find a cohort of individuals that had finished their career, achieved financial success and had 30 years ahead of them. And what were their behaviors, and where you consistently see this is with professional athletes, right? You're out of the game early. Right? You're in your 30s, and you're Tom Brady, you're 40, but that's the long game. But you're really out in your late 20s, your early 30s, you don't have financial concerns, right? And what is the behavior? And sometimes we demonize athletes for dysfunctional behavior after Hey, but all they're showing us is who we are going to be if we don't develop a retirement identity.Lesley Logan 22:09  Yes, Greg, you are 100% correct there. I think most people, think most people will say they don't know how to manage their money and and to your research and what we've been talking about here, it's not about managing money it's about they don't know who they are without their sport because they spent, for those people, they spent, literally, since they were a child in that sport and getting so many accolades, and then all of a sudden, no one cares. No one pays attention to them. For the most part, they're not going to be on TV like, that's it. And so I think it, I think you're spot on. It's not about the money responsibility, although they might need to learn some. It's about who, who are they now that they're not playing.Gregg Lunceford 22:50  Right and so then you go, well, this athlete just went broke because they put all this money in his business. Well, they're trying to get the same accolades in business they got in sports, right? They're trying to replace that identity that made them feel good, made them feel accomplished and some people are very successful at it. Those aren't. But my point is, there has to be a road map to get that yes, and it doesn't always have to be in business. It could be in your civic activities. It could be you learning to act, or you become in sport, but you have to first of all imagine who your ideal self is. And just like you were coached and you read and you trained to build that ought self, hopefully, for some people, a lot of people, the ought self is their ideal self, and they're usually entrepreneurs like you, where you that you know what, I'm not going to go to normal path. I'm going to carve a path for myself, and entrepreneurship gives me that freedom. But for a lot of people, they have to figure out now that I've satisfied all these obligations to other people and other things, who do I ideally want to be and then work at how do I get there? Because if you go in there blindly, you're just the same as that person out of that was in sports or any other industry, you're just trying to find this quick hit to replace all of these accolades or psychological successes you got. And you can blow up a lot of money doing that. So the well being comes from getting all of these components right, not just as we were taught in the 20th century, just making sure you don't run out of money. Lesley Logan 24:26  Gregg, this is insane. So okay, so I love all of this. And it's, it's, it's like, so aligned, because I'm always like, can't be you're not gonna get right the first time. Like, we have to ditch perfection, which, of course, in workplace, it's very honed. Like, check the box. Do it right. Do it right. So you have to talk to the boss about how you did it wrong. Like, get it right. Like, so of course, when you, when you retire, if you haven't been working on these things, you're you're going to be hard on you're going to take your ought self into your retirement. So I guess, like, first of all, I don't think that most financial retirement planners do any of these questions. So when, if, when people come to you talk retirement, are you like pulling are you like asking them what their ideal, what they want their ideal self to be? Do they even know how to find it? What questions do they have to ask themselves? Gregg Lunceford 25:13  Well, we do have. We have. We have a lot of conversation about, you know, not only can you financially afford it, we can put some numbers of software and come up with that answer pretty quickly, right? But we also have a conversation about, what do you think your lifestyle will be, and why do you think this is right for you? And what do you want to accomplish? And you know, some folks will come in and say, hey, I think I want to start a small business, right? And so we might talk about them, and they don't want they don't want work again in the way they want it, but they want something to do that is work on their own terms. So a lot of this is you changing the terms of what you're doing and because when we go, especially if we go to work for a corporation or some that's usually a unilateral contract, right? The person the institution is telling you, I'll give you X amount of dollars if you do this. And you say, but what if I did a little different? No, you don't get a choice in that. This is what you got to do, right? And what we're recognizing is we do have some power in that. We do have some power. I've seen a lot of people be successful in going back to their places of work and negotiating consulting contracts. And they basically said, you know, I don't want to do nine to five, but if you have a special project that you bring on, let's say you bring you on new software, whatever, and this is going to be a nine-month project, or it's going to be something you need few hours, you know, out of the week and but I get the summers off. I'm your person for doing that. And that's how they're able to get from their ought self into their ideal self, because the time that they're not there, they now start to figure out what their personal freedom, what they really like to do. So I think of one person now, he was very successful at this, but he also was confident enough talking to his employer, because he was the head of HR, so he knew he was a little bit more comfortable. But basically what he did was he got to this point, and he was ready to make this transition now, but he didn't know what he wanted to do. So he went to and he said, look, I'm the head of HR, I got 70 people reporting to me. I'm willing to give all of my direct reports to my successor. If you help me, let me help you identify my successor, and help me groom your successor. So his role became more of coach, manager, mentor, in this last couple of years, and that was three days a week. He said the other day a week. These are institutions, nonprofit institutions, that we, as an organization, support. I want one day to volunteer with one of them, and so now they get a free executive for one day a week. That was great for the company. Worked out well. He said, then the fifth day of the week, I just want a day off. I want to see if I really enjoy leisure. Everyone tells me I'm supposed to play all these rounds of golf and lay back and relax. Let me make sure that that's the right thing for me. So he has three days a week that he is engaging in what he traditionally knows in terms of what his identity is. He has one day a week to see if he wants to change his identity in his community through his volunteerism, and he has one day a week to figure out if I just want to exit all together. And the answer is, you can do one of the three of those. You can continue doing all of the three of those. What we have now is, if you shape them correctly, is we have what are called boundary-less careers. And so this is where I think, you know, we give Millennials a bad rap. We give millennials a bad rap because we always say, well, they like to do a gig economy. They don't stay anywhere 30 years. But what they're really engaging in is today's boundary-less career, where they define success for themselves, versus going down the traditional path, which says you can only be successful by going up the pyramid. For them is, you know what? I can be equally financially successful. I can gig here, gig there, and add it all together, or I can and get this personal freedom and know how to negotiate so that I'm spending more time, just as much time developing my ideal self as I'm developing my ought self.Lesley Logan 29:21  Oh my gosh, Gregg, you just like, I think you're the first person to ever give the millennials a compliment. But thank you. Constantly find myself defending, like, I'm like, what are we talking about? Like, we're not bad, we're we're a group that's how to really fight, like, figure things out. Because when we came into the world where we got a job, like, everything was so uncertain. You know, between 911 and between, that's when I went to college, and then I got out of college, and it was like the recession, like, there's not, there's not been an opportunity to have a certainty of a 30-year career. But I think what you're, what I'm, what I love about what your saying is, like, we've actually been spending our careers figuring out who we are, and like, spending time doing that. And I am obsessed with what the example of the guy you gave, because I think so many people can start playing with that right now. So many companies are looking to go to a four day work week, you know, like, so many places are looking to have like, Okay, you're in office for some days and you're at home for other days. Like, we can look at those opportunities as ways to figure out our retirement identity. Gregg Lunceford 30:22  Right. And a lot of us get stuck in this, oh, well, I work for this large corporation. They aren't flexible. There are a lot of small, medium sized companies that are in growth mode that that model works very well. That's what they can afford. And they need the institutional knowledge and the wisdom you got to be able to and this is where we go back to talking about boundary list careers. You got to think about all of the universe and parts of it you don't even know exist. This is where your personal curiosity has to kick in to get what you want. Lesley Logan 30:53  Yeah. Yeah. Okay, Gregg, so I feel like you are a unicorn though. Like, I really do feel like, because, I mean, obviously, what a cool company, that they're like, yeah, go, take four years to figure out this idea you have, and then, like.Gregg Lunceford 31:09  Well no, they weren't that cool. That's why I'm here. Lesley Logan 31:14  Okay, that's cool. Gregg Lunceford 31:15  I kind of, I took a lot of flack as I was doing this, and because people were going, we don't understand why you're doing thi, right, and you know, we don't really understand your need to do it. And there were a few key executives that said, you know, they were really supportive of me, but overall, it was, you know, I was sort of like I was trailblazing, and people were going, you you have a very good set of responsibilities here, that you could be highly successful. Why do you want to tinker with the mouse trap? And I said, I think this would make me a better advisor to my clients, if I, if I came to understand this now, back then, and, you know, there was no one talking about psychology. I'm a certified financial planner now, the CFP exam as of I think, like two, three years ago, 11% of the exam is psychology now. But I was, I was in a very uncomfortable space, but I believed I was right. So when you start talking about, you know, be it till you see it, right, I'd be, I was in a very uncomfortable space. And this is my book, Exit From Work, I write about it in my book, but I am glad I had the journey, because I feel as though I'm a better professional, and my clients appreciate it.Lesley Logan 32:21  Yeah. I mean, like, you know, years ago, I read the book Psychology of Money, right? I think that's what it's called, or maybe it's called profit, but I think that's money. And, like, I said, like, the type of person you have to be to get money is very different than the type of person you'd be to keep the money. And I was like, like, that's, by the way, that's, like, the thing I remember from the whole book, it's, but at any rate, I remember that sticking going, hold on a second. Like, we as people have to evolve, like, one on the getting, two on the keeping, and that goes kind of along with what you're saying. Like, you know, you have to understand the emotion psychology behind all of this. Because, yes, spreadsheets are great, but with AI, like, we don't need a bunch of people do a spreadsheet anymore. So there's that we need someone to help guide us to like, well, who is it like, where is this money going? What do you want to do with it? What like was also, what if, instead of like, okay, here comes our retirement age, what if it's like, oh my gosh, like, I can't even wait, or, actually, I'm going part time now, and my retirement is part time, and I'm doing all these other things. Like, that's so cool that you, I mean, you do that, it's not easy to be a trailblazer. It's not easy to be the only person talking about it, though. Gregg Lunceford 33:27  Right. It's rewarding in the end, and so, and I think a lot of people find it liberating, because if you got 20 years, you just really want to do what people tell you you ought to do. I mean, especially when you spent the first 60 doing that. And so really, what this third age is supposed to be. It's supposed to be the most dynamic part of your life, right? It is a way to course correct or either enhance something that's already gone well for you, versus a lot of people going to retirement, because that's what retirement was when it first started off, it was really this negotiation between management and labor, where, especially, we were in an industrial society. So labor was more physical, right now we're in a service economy, so it was really more cerebral. But back then, you know, they wanted a management wanted employees who could swing a hammer so many times a minute, and that was usually somebody under age 40, and this is where we start getting age protection laws, right. And anyone over 40 they wanted out of the workforce. So, you know, retirement didn't start off as this, oh, this is this great thing, and they're going to write me checks for the rest of my life. It didn't start off as that. It really started off as you were really making someone feel devalued because you you didn't have any and so we've gone along with this model. It wasn't until maybe, like the 19 late 70s or 1980s when we went into this global recession where people started getting offered these early retirement packages to come out of companies because globally, a lot of people, a lot of companies, had financial issues to deal with. And what they weren't expecting when they let this 55 year old go is that life expectancy was starting to go up, and so now this 55 year old is now living to 80, and they got the best end of the deal. And what is happening financially right now is people are looking at their parents and grandparents who got that deal, and they're going, I can never afford to do what they did, and not realizing that that was an anomaly. And so a lot of people, socially, emotionally, feel like they're failing, and they don't want to talk about retirement because they feel as though I'll never be able to do what the person did before me and therefore there must be something wrong with what I'm doing or what me and the reality is the game is changing, and so you actually have more personal freedom than they have. And just like they walked into a unique situation, you have to craft a unique situation for you that works.Lesley Logan 36:04  Yes, that, Gregg, this is, you're a historian. You're like a life coach and like the person we all need to be thinking about when it comes to like, because it doesn't matter how I mean, obviously we're told, like, the earlier you can start thinking about retirement, the better. But people don't want to do that, like I said the beginning of this. They want to put their head in the sand, like, I can't be my grandparents, so I'm just going to keep doing what I ought to do, and just and like, we'll deal with that later. We'll figure out the number later. But I think if we can, like, start thinking about it now, it really does allow us to curate the experience we have with work, but then also set ourselves up for that third age where we can have a really good time getting to know ourselves even deeper, and not not losing money along the way.Gregg Lunceford 36:51  That's correct, because in that third age, you may convert a hobby. So I have a friend who was in banking with me. He would always go take a week or two off every year and just go to Europe and backpack. He would stay at, you know, two three star hotels. He was like, I'm not there every day. And he would just go take the most amazing pictures he bring them back to the office. And we would go, Jim, you know, you should have an art show. And he was like, Nah, they're just hobbies or whatever. And he had a hard shell, and people started buying his art. And so, you know, now in retirement, you know his joy also produces income. And so he has defined work on his own terms. It doesn't even feel like work to him. And so what a lot of people who are looking at their parents and grandparents and then going, you know, they got this pension for life, and they don't offer pensions anymore, and they didn't get sandwiched. So they didn't have the burden, financial burden of raising kids and having to take care of parents. I'm stuck. I'll never be able to do that. There's something wrong you don't understand. You now have this 20 year life bonus, where you can learn to gig, you can learn to I often point to the show The Golden Girls. I don't know if the creators of the show knew what they were doing or they intentionally did this, but look at that model. I think that's the model a lot of people are going to have to go to. And I think you touched on this a little bit earlier. You start talking about your father and your in laws. And you know, we don't have kinship the way we once did, once small, we have smaller families, right? Two, geographically we disperse, right? And so what in this planning process of your ideal self, what you also have to learn how to do is to replace kinships with friendships. So that's what was going on in that in that Golden Girls house, you had Dorothy and her mother, Sophia, that had a kinship, but where they didn't have kinship, they replaced it with their roommates with Blanche and Betty (inaudible). And so now that you have this replacement of family that you trust and you get along with, now you got four people to split your rent with, so that makes the money go longer, right? Yeah, then you start talking about what went on every day. Well, sometimes they were doing volunteer work, and then they had to spin off where they bought a hotel. So they basically were doing their own version of a gig economy, right? They were engaging as much as they wanted to or not. Then they had socialization from each other. There was always something going on in that house, right? Yes. And so, right? And then they had things to create psychological success. So I don't know if the creators of the show recognized at the time, but to me, I looked at it as sort of foreshadowing what people have to create for themselves on their own with this life bonus, and it will help them both financially, as well as their mental and their mental well being. Lesley Logan 40:00  Gregg, yes. I mean, I joke with my friends who have kids. I'm like, I just want you to know that your kid is gonna have to take care of me because I don't have kids. But really, actually, I just need to find my Golden Girls, my husband. I just need to find a co op, a little commune of all of our friend all of our friends who don't have kids, we actually like what we're being with. And we could have a great little retirement home, maybe make it a BnB. This what I what I just I'm obsessed with, and why I got excited to have you on is, you know, oftentimes the Be It Till You See It podcast really talks about, like, what we can do right now, like, for right now, what we can do to be it till we see it tomorrow, or for the thing we want next year. Or there might be some stuff I have never thought of it as like, what can we be doing right now to be it till we see it for retirement in a way that we can choose, like we get the life is literally what we want, and the research you've done, the education you've had, and how you've literally seen it implemented in unique ways, because of all this work, is so cool. It makes me excited to actually, like, look into that future. Because, like, I'm like, I'm like, I'm not gonna look past 50, because I got things to do with my job, with the job that I created for myself. It's like, oh, hold on a second. What, like, what can I be playing with right now so that I know what I'm gonna do past 50, so that I have something to look forward to. So I'm excited about it. So, Gregg, what are you most excited about right now?Gregg Lunceford 41:20  I'm excited about I'm writing and researching and learning about the person I'm becoming. So and so I often joke with my clients, but I'm really not joking. They'll come back and they'll tell me some amazing experience they had, and I always tell them, leave me a list of notes so I know where to start when it comes to my time, and I say that jokingly, but it's something it is serious. What we all need to start to focus on right now is just like we had that career guidance counselor helping us and coaching us. And to that next thing, we need to start taking time to figure out that action plan for that next thing. And once you start to figure out I need to form a retirement identity and understand my ideal self, you start to self motivate and become excited about it. So what I really enjoy about what I've done through my work, whether it be here as an advisor or through my research, is that I'm helping people understand that they have a lot to be encouraged by, right? You're going to get 20 years to do whatever it is you want to do. And what I also want people to be understanding of. You don't have to leave the workforce if you're doing something awesome already. Just keep doing it. And if you want to modify that in some kind of way, figure out a plan, or figure out your terms and how to negotiate those terms. Say you can do that. Lesley Logan 42:51  Oh, I just like each answer. I just get more excited for people. I'm excited for myself. Like, I'm like, wow, this is so fun. We're gonna take a brief break and then find out where people can find you, follow you, work with you and your Be It Action Items. Lesley Logan 43:00  Okay, Gregg, where can they connect with you? You have a book, Exit From Work, but where, where can they go to chat with you, work with you like, get more ideas about their retirement identity?Gregg Lunceford 43:14  Sure, so I can be reached at mesirow.com so our website, M-E-S-I-R-O-W dot com, on that, if you put in my name in our search engine, Gregg Lunceford, you'll come up with my team web page. We'll have my bio, my contact information, also a list of all my publications. Also, if you're interested in my book, Exit From Work. This can be found on amazon.com, and I'm always encouraged by people who take time to drop me a note, or we didn't even go into I talked about the Golden Girls situation. We didn't even go into their academically based retirement communities. Now, basically, instead of dormitory you lived in when you were in your late teens and 20s, now people are going back to retire near where they went to school. So they now have, because we don't have these kinships, they're now bracing building friendships based on the fact that they're alumni, or they love the school and and so it's sort of like this, you were living in the Golden Girls subdivision, maybe. Lesley Logan 44:15  Oh, my God. Gregg Lunceford 44:15  So there are all kinds of things that are going on right now, and I just, I write about it in my book too. I just want people to learn about that so they don't feel as though they're confined to what they saw their parents do. Lesley Logan 44:27  Yeah, yeah. Oh my gosh, Brad, when you listen to this, we'll choose your school, because he went to music school, so we'll choose that one.Gregg Lunceford 44:37  He could, he could probably teach all the people I know they want to start a rock band. Lesley Logan 44:41  Yeah, yeah, yeah, him and his buddies. That could be their whole little they would love it. Okay, you've given us a lot, but I do want to dive into the bold, executable, intrinsic or targeted steps people can take to be it till they see it. What do you have for us?Gregg Lunceford 44:56  Okay, so what you first have to do is you have to create a vision. And if you have a partner, it is very important that that be a shared vision. The last thing we want to do is get to the end of our career and then have conflict with our partner. And a lot of that happens because most couples do not talk about retirement. They don't even know if the other partners is saving for retirement. Like 40% couples don't even talk about this. Don't even do the calculation to get past them. So so if you haven't even done the basics on that end, talking about this thing you aspire to be is very difficult because And so last thing you want to do is you both jump in it, and then you you're stuck and you're unhappy. So create a vision. If you have a partner, make sure that's a shared vision. And then start talking about goals. Engage someone like myself, who's a financial planning professional, to help you see how you can align your financial wherewithal with those goals. And then think differently. Think about being your best self at this stage, not being someone who society just said it's time for you to leave, because that's not the case. You have more value to offer a lot of people than you think.Lesley Logan 46:07  I do, I love that. This is an episode I really hope my in-laws actually listen to. I really am. I'm actually just really excited for even our our listeners who who are like, you know, they might be in there. They might be, like, 15, 20 years away from retirement, but, or even 10, but, like, we have a bunch of them, and I hope this helps them rethink that, because I think sometimes there's a fear to, oh, my God, you know. And you just said it like being the system has told them that they're done, but you're not done. And so I just you've given, like, so much excitement around this topic, and joy and possibility. So Gregg, thank you for being you. You all, how are you going to use these tips in your life? We want to know. Make sure you tell Gregg Lunceford your takeaways. I'm sure it will make his day. Share this with friend who needs to hear it, that friend who's like, so worried all the time, like, absolutely needs this. And you know what to do until next time, Be It Till You See It. Lesley Logan 47:01  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 47:44  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 47:49  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 47:54  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 48:01  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 48:04  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Parent PLUS loans are about to get a lot more complicated, and most families have no idea what's coming. In this episode, senior student loan advisor Lauryn Williams, CFP®, CSLP®, AFC®, sits down with student loan expert Janna McKay, AFC®, CSLP®, to break down the biggest changes affecting Parent PLUS borrowers. You'll learn about the end of double consolidation, new repayment access rules, and what the July 2026 deadline really means for forgiveness and Public Service Loan Forgiveness (PSLF). If you're a parent helping kids through college, this episode could save you from a costly mistake. Key moments: (06:38) Why double consolidation is officially dead (and what replaces it) (08:10) Quick clarification for borrowers who don't have Parent PLUS loans (13:38) Real client cases where consolidation mistakes caused major problems (22:43) Why borrowing after July 2026 could permanently block PSLF for parent borrowers (33:18) Legacy provisions for borrowing before July 1, 2026 vs. borrowing after     Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience. For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure. But what if the real risk isn't running out of money — it's not using it well? In this episode of Retire Today, I'm joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for. As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan. The Problem With “Safe” Withdrawal Rates Most retirement spending research focuses on one outcome: not running out of money. Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about. After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more. That insight flips traditional planning on its head. Instead of asking, “What's the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?” Why Retirement Spending Isn't Constant One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn't work that way. Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts. As Stefan noted, “This idea of constant spending never exists in the real world.” Any retirement spending plan that assumes otherwise is solving the wrong problem. A Salary-and-Bonus Approach to Retirement Stefan's research introduces a different framework — one that mirrors how people actually lived during their working years. He described a model where retirees create: A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities) A variable ‘bonus' income driven by long-term stock performance “You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.” In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure. Rethinking Risk Tolerance Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently. “Risk tolerance should be about how much variability in income you're comfortable with,” he said, “not just what percentage of stocks and bonds you hold.” Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules. Why This Matters Many retirees say the 4% rule “doesn't work for them” — not because it's unsafe, but because it doesn't generate enough income to support the life they want. Stefan's research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control. The goal isn't to maximize your ending balance. It's to maximize your retirement experience. Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals.  Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel Stefan Sharkansky on LinkedIn TheBestThird.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

NFL overreaction or not. The CFP will stay at 12 teams next season. Below the Belt: Daniel Jeremiah mock drafts.

Financial Advisor Tim Russell, CFP® and Tyler Rutherford discuss the harmful effects of Sports Betting.See the show notes here!Subscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardWealth Management from a Biblical WorldviewStewardship Seminars from a Biblical WorldviewLearn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Employer retirement plans can be one of the most powerful wealth-building tools available, yet they are also among the most confusing. In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP®, breaks down how to make the most of your workplace retirement benefits in 2026.Melissa walks through the key retirement plans many employees have access to, including 401(k), 403(b), and 457 plans, and explains why 2026 is a pivotal year for retirement planning. With multiple legislative changes now in effect, including SECURE Act 1 and 2 and new tax rules impacting catch-up contributions, understanding your options has never been more important, especially for high earners.This episode covers updated contribution limits, new catch-up contribution rules for those over age 50, and the temporary super catch-up opportunity for individuals ages 60 to 63. Melissa also explains the new Roth mandate for high earners, what it means for your tax strategy, and how it may change the way you approach retirement savings going forward.Beyond contribution limits, Melissa explores advanced planning opportunities such as after-tax contributions, mega backdoor Roth strategies, and how different employer plan designs can dramatically affect how much you are able to save. She also highlights commonly overlooked strategies for dual-income households, spousal IRAs, and the growing role of Health Savings Accounts as an extension of retirement planning.If retirement planning feels overwhelming, this episode offers clarity, structure, and actionable guidance to help you confidently use your employer benefits to support your long-term goals.Key topics discussed include:2026 retirement contribution limits and what's changedCatch-up and super catch-up contribution rulesThe new Roth requirement for high earners over age 50Coordinating retirement savings for couplesUsing HSAs as a long-term retirement strategyMega backdoor Roth opportunities and plan design considerationsCommon mistakes that can reduce employer matchingFor personalized guidance, Melissa encourages listeners to review their options with a financial planner to ensure their retirement strategy aligns with both current tax laws and long-term goals.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

This week on Financial Planning: Explained, host Michael Menninger, CFP welcomes back Brad Sorensen, CFA. Brad is a portfolio manager and outsourced Chief Investment Officer at Cornerstone Portfolio Research. This is the final episode of a three-part series discussing this past years market performance and the outlook for 2026. In this episode, Mike and Brad discuss the stock market outlook for 2026. The guys talk about uncertainty moving forward when it comes to interest rate cuts, the labor market, effects from holiday spending, the government shutdown, and tax refunds. This is a great episode for anyone seeking insight on how 2026 could potentially shape up and what to look out for in the markets. ​ For more information on Menninger & Associates Financial Planning visit https://maaplanning.com.

In Hour Two TJ Walker from the Bud Light Postgame Show joins to preview UK's matchup with Vanderbilt tonight and if the Wildcats can continue their momentum with their 5 game win streak. Then Louie and Zach discuss the CFP changes and who should be NFL MVP before closing with their preview of the Kentucky-Vanderbilt game tonight.See omnystudio.com/listener for privacy information.

With the CFP done and dusted the College Daze crew shift into NFL Draft mode. The pair run through the five essential things to know ahead of the Draft and shout out the players at this week's Senior Bowl and Shrine Bowl who will impress the scouts. Got questions? Hit up ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tweetsfromben⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@domcorbsNFL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠collegedazepod@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Socials: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/tweetsfromben⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/domcorbsNFL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/thencshow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thencshow/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

BONUS FLASHBACK EPISODELast year a largely unknown QB from Cal-Berkeley showed up in Bloomington to lead Indiana's offense in Year 2 of the Cignetti Era. One year later, that same QB is a household name across America... Fernando Mendoza.Shortly after arriving at IU, Fernando was kind enough to join the Hysterics for an in-depth conversation, touching on everything from his family and childhood, to his love of Star Wars, to why he chose to join his brother Alberto in playing for Coach Cig.It was impossible to predict at the time of this interview that Fernando would go on to win the Heisman Trophy as he and his teammates went undefeated, winning both the Big Ten and National Championships, and forever securing their place not just in the hearts of Hoosier nation, but amongst the greatest stories in the history of sports. After this conversation, however, it was very easy to understand that Fernando is an absolutely special human being... warm, funny, intelligent and inspiring... and someone we'd all be very proud to have represent Indiana University.If you prefer to watch this flashback episode, please visit @hoosierhysterics on Youtube.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(1)... Eric continued then Talking the Upcoming Changes to the CFP, Transfer Portal, & Penalties (2) Breaking Down the News of the Day Regarding the Grizzlies' Owner on 92.9FM (3) "Don't tell your story, tell THE story" - NFL Crowd noise

In this solo episode of the Stuff About Money podcast, Erik Garcia CFP®, BFA™, ChFC®, reflects on King Cake season in New Orleans, an annual reminder that some things are wonderful precisely because they don't last forever. Between questionable calorie intake and the collective sugar coma that sweeps the city, Erik is grateful that King cake is a season, not a lifestyle. That rhythm sparks a bigger conversation about money and how so much of our financial stress comes from forgetting that money, too, has seasons. Erik breaks down the three financial seasons he most often discusses with clients: laying the foundation, building on that foundation, and eventually spending down and distributing assets. Each season comes with different demands, priorities, and emotional pressures, and many “bad” financial decisions are only bad because they're made in the wrong season of life. He also explores how these seasons show up for business owners, from startup to growth to exit. If money feels tight, confusing, or heavier than expected, this episode offers clarity, perspective, and a reminder that you're probably not doing it wrong. You may just be in a different season. If it resonates, follow the show and share it with someone who could use that reminder. Episode Highlights: Erik discusses three financial phases: laying a foundation, building on it, and spending down your accumulated assets. (04:15) Erik shares his biggest financial mistake: trying to accumulate in five years everything that took his parents decades to build. (05:35) What makes a financial decision bad isn't always the decision itself, but making it in the wrong season of life. (07:45) The foundation-laying season is characterized by tight margins, high demands, and competing financial priorities like homeownership, transportation, and student loan repayment. (09:25) Erik explains that restraint doesn't mean selling yourself short, but preparing yourself for the future, and making hard decisions early makes transitions easier. (12:50) Regardless of income level, clients face a common challenge: people tend to spend or tie up their money in proportion to what they earn. (16:10) Not spending every dollar isn't a sign of missing out on life; it's good stewardship and wise money management. (18:30) Erik mentions that most small businesses fail not because they're bad ideas, but because they run out of cash. (22:00) Financial seasons have beginnings and endings, making it valuable to pause and reflect on where you currently are in your money journey. (24:50) Erik discusses the value of working with a financial planner who understands your values and the season of life you're in. (26:10) The reality that seasons are temporary makes having trusted guidance in your financial life incredibly valuable. (27:15) Key Quotes: “Restraint doesn't mean that you're selling yourself short. You're preparing yourself for the future.” - Erik Garcia CFP®, BFA™, ChFC® “Making good decisions that are in alignment with your values, that are in alignment with the season that you're in. It's important.” - Erik Garcia CFP®, BFA™, ChFC® “I love the fact that more and more people aren't just quitting or retiring completely, that they recognize they have something still to give. There's meaning, and there's purpose in working.” - Erik Garcia CFP®, BFA™, ChFC® Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode, I start off discussing the inconsistency of the 2025-2026 Charlotte Hornets. Then, I get into NFL playoff talk and reminisce about CFP title game. I compared the work ethic of the GOAT Level podcast and Nightcap. The Mackenzie Gore trade shocked me at first but now I'm coming around to it. I finished off the show by sharing my memories of playing against Good Counsel in 2009 and my roller coaster 2016 year.

Slava shares how he retired early and his whole journey to get there. Enjoy.Want to be a guest? → https://vwo3759x8i7.typeform.com/to/gh00JmnZ–––––––––––––––––––––––––––––The statements provided are from individuals who are not clients of Root Financial Partners, LLC. These individuals were not compensated for their comments, and their views do not necessarily reflect those of Root Financial Partners, LLC. The information shared is for informational purposes only and should not be considered a recommendation or testimonial regarding advisory services.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

ESPN CFB Reporter Heather Dinich stops by to discuss the latest on CFP expansion.. Plus more of your phone calls. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Connor and Mike react to the CFP electing to stay at 12 teams rather than moving to a 16-team format.

Are you anxious about an abrupt transition to retirement? In this episode of Retirement Answers, I share the concept of phased retirement, where you can gradually reduce work hours or stress levels instead of stopping work entirely. I explain the financial and emotional benefits, offering practical advice for a smoother, more comfortable path to retirement.

On this episode of CFO at Home, Vince·s guest is Scott MacKenzie, author of The Lobster League, A Fable About Personal Finance. Scott and Vince dive into the concept of the book, which is designed as a fable to teach personal financial lessons through relatable stories, inspired by Scott·s extensive experience in the area of behavioral finance. They discuss how the human tendencies of herding and overconfidence can impact our investing. Scott also emphasizes the importance of having a clear set of personal priorities and goals, specifically by creating a bucket list to guide financial decisions. Like the book, our conversation offers valuable insights into personal finance for both money enthusiasts and those not as financially inclined. To learn more about Scott and The Lobster League, go the thelobsterleague.com Key Topics: 01:10 The Story Behind 'The Lobster League' 04:00 Crafting a Financial Fable 05:54 Behavioral Finance Insights 08:56 Herding and Market Trends 21:22 Overconfidence and Fear in Investing 27:48 Creating a Personal Financial Vision 33:23 Conclusion and Final Thoughts Key Links thelobsterleague.com Scott MacKenzie, MBA, CFP®, CIMA® | LinkedIn  Contact the Host - vince@thecfoathome.com  Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

Shannon Sharpe and Chad “Ochocinco” Johnson deliver the best moments from the College Football Playoff, breaking down this historic 12-team CFP. Unc and Ocho highlight Indiana quarterback Fernando Mendoza’s legendary run that turned him into a college football icon, leading the Hoosiers to a National Championship victory over Carson Beck and the Miami Hurricanes. Subscribe to Nightcap presented by PrizePicks so you don’t miss out on any new drops! Download the PrizePicks app today and use code SHANNON to get $50 in lineups after you play your first $5 lineup! Visit https://prizepicks.onelink.me/LME0/NI... 0:00 - Indiana WR Elijah Sarratt joins the show11:18 - Miami Def. Miami to become 16-0 National Champions34:57 - Indiana DL Mikail Kamara joins the show46:16 - What should the Raiders draft Fernando Mendoza with the #1 overall pick? (Timestamps may vary based on advertisements.) #ClubSee omnystudio.com/listener for privacy information.