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Do you know whether your retirement plan is on track, or are you simply hoping it is? Whether retirement is years away or just around the corner, it's wise to pause and take a closer look at your plan today. A retirement checkup can help you know where you stand, identify potential gaps, and make adjustments before small issues become major problems. Many people know they should be saving, but they're less certain whether they're saving enough. That's where a thoughtful review can bring clarity—not just about the numbers, but about faithful stewardship in the season ahead. Know Your Retirement Savings Target No single rule of thumb fits everyone. Your retirement goal depends on many factors, including when you retire, how long you live, your lifestyle, your health, your generosity goals, and whether you'll have income from Social Security, a pension, rental property, or part-time work. Still, benchmarks can be helpful. As a starting point, one common guideline is to aim for about 10-12 times your income by age 67. The point isn't to become discouraged if you're behind. The point is to know where you stand. Once you have a clearer picture, you can make wise adjustments. Know Your Retirement Spending Number Your spending number may be even more important than your savings balance. A million dollars can be plenty for one household and not nearly enough for another because spending determines how much income your portfolio must produce. Start with your current budget, then consider what may change in retirement. Will your mortgage be paid off? Will travel increase? Will transportation costs go down? Will you support adult children or aging parents? Will you downsize, relocate, or stay where you are? Those questions help you see not only what retirement may cost, but also what kind of stewardship this next season may require. Have a Withdrawal Plan It's also important to think carefully about how much you'll withdraw from your savings each year. A common guideline has been the 4% rule, first developed by financial planner William Bengen. He has since updated his research, suggesting the number may be closer to 4.7% with a more diversified portfolio. Fidelity describes it more broadly as a 4%-5% sustainable withdrawal range. So, if you retire with $500,000, you might begin by withdrawing around $20,000 to $25,000 in the first year, then adjust over time. Of course, this is not a guarantee, and it does not mean you'll never touch the principal. Your actual withdrawal rate should depend on your age, health, investment mix, inflation, market conditions, and whether your essential expenses are covered by guaranteed income. The danger is assuming you can withdraw 8%, 10%, or even 12% from your portfolio every year without consequences. For most retirees, that's not a plan. It's a countdown. Prepare for Health Care Costs Medicare is a blessing, but it doesn't cover everything. Retirees may still face premiums, deductibles, co-pays, prescription costs, dental care, vision care, hearing expenses, and more. Long-term care is a separate issue altogether. Recent estimates suggest that a 65-year-old retiring today may need well over $170,000 for health care costs throughout retirement—and that does not include long-term care. For a married couple, health care becomes a major planning item. That's why it's important to prepare in advance and not assume Medicare will cover every need. Understand Social Security For many retirees, Social Security will be one of the largest sources of guaranteed income. You can claim benefits as early as age 62, but doing so can permanently reduce your monthly benefit by as much as 30%. Delaying past full retirement age until age 70 can increase your benefit by 8% for each full year you wait—up to 24% if your full retirement age is 67. Of course, delaying is not always the right answer. Health, family history, income needs, marital status, and work plans all matter. But because this is often a permanent decision, it's worth looking carefully before you claim. Review Your Investment Allocation As you approach retirement, your portfolio may need to become more conservative. But that doesn't mean moving everything to cash. Retirement may last 20 or 30 years, and inflation can quietly erode your purchasing power over time. A wise allocation should balance the need for stability with the need for continued growth. This is one area where trusted counsel can be especially helpful. A Certified Kingdom Advisor® (CKA®) can help you think through your investments, income needs, and long-term stewardship goals through a biblical lens. Retirement Is Not the End of Stewardship Finally, remember that retirement is not the end of stewardship. Psalm 92 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green” (Psalm 92:14). That's a richer vision than simply withdrawing from work and responsibility. Retirement is not about drifting. It's about faithfulness in a new season. So yes, check the numbers. Know your savings target. Build a realistic spending plan. Prepare for health care. Understand Social Security. Review your investments. But also ask, “Lord, what fruit do You want to grow in this season of my life?” If you'd like help reviewing your retirement plan with an advisor who shares your biblical values, visit FindACKA.com to connect with a Certified Kingdom Advisor® (CKA®). On Today's Program, Rob Answers Listener Questions: I've worked at qualifying universities for nearly 10 years under Public Service Loan Forgiveness, but deferments and forbearances kept me from reaching 120 qualifying payments. I now qualify for the buyback program and could pay for about 15–17 missed months to reach forgiveness sooner. Should I do the buyback now or keep making regular payments until I reach 120? I have a home equity loan at 6% with a $32,000 balance and eight years left, and a car loan at 6.09% with a $35,000 balance and six years left. Which should I focus on paying off first? My job is ending soon, and I have only a small amount saved for retirement. I'm about to receive a $16,000 settlement. Given my situation, how should I use or invest that money? I've been with my local bank since 1996, but it's been bought out three times. How do I know when it's time to switch banks, and what should I look for in a new one? I'm turning 73 this August and will need to begin taking RMDs from my IRA based on the end-of-year 2025 balance. I'd like to use Qualified Charitable Distributions to reduce taxable income. When should I make the QCDs so they count toward my RMD? I'm trying to understand fixed indexed annuities. Are they a good option, and what should I consider before using one as an investment? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
With the fiscal year mostly over, hundreds of millions of dollars in health-related grants approved by Congress still have not reached their designated recipients, with the Trump administration again delaying distribution. Meanwhile, on the fourth anniversary of the Supreme Court decision that allowed states to ban abortion, the number of abortions in the U.S. is actually rising. Maya Goldman of Axios, Joanne Kenen of the Johns Hopkins Bloomberg School of Public Health and Politico Magazine, and Rachana Pradhan of KFF Health News join KFF Health News' Julie Rovner to discuss these stories and more. Plus, for “extra credit” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: The Washington Post's “Tennessee To Restrict Medical Aid for Critically Ill Undocumented Children,” by Silvia Foster-Frau. Maya Goldman: Stat's “Trump Administration Targets Disability Integration Mandate in DOJ Memo,” by O. Rose Broderick. Rachana Pradhan: KFF Health News' “Arrests of Immigrant Parents Create Mental Health Crisis for Children,” by Claudia Boyd-Barrett. Joanne Kenen: The Washington Post's “Why Trump's Algae Problem Is Much Bigger Than the Reflecting Pool,” by Sarah Kaplan.
Are you interested in working with me 1 on 1? Click this link to fill out our Retirement Readiness QuestionnaireOr,visit my website****Most advice for retirees suggests to delay SocialSecurity as long as possible. But is that always the right move?In this episode, we'll discuss five real-world situations where claiming Social Security earlier may actually be the better decision.You'll learn:✔️ How longevity impacts yourclaiming strategy✔️ Why Social Security break-evencalculators may be incomplete✔️ The hidden impact claimingdecisions can have on your investment portfolio✔️ How Social Security affectslegacy planning and leaving money to your children✔️ Spousal and survivor benefitconsiderations✔️ Why many retirees strugglepsychologically with spending their nest egg✔️ How claiming benefits earlycan help manage sequence of returns risk during market downturnsThe reality is that Social Security claiming decisionsshould never be made in isolation. They should be coordinated with your retirement income plan, tax strategy, investment portfolio, legacy and lifestyle goals.If you're approaching retirement and wondering whether toclaim Social Security at 62, Full Retirement Age, or 70, this episode will help you understand the tradeoffs and make a more informed decision. Hope it helps.-KevinConnect with me here:YouTubeFollowthe podcastJoinMy Company NewsletterThis is for general education purposes only and shouldnot be considered as tax, legal or investment advice.
The Rebbe addresses whether to delay giving a get until another match is found and emphasizes the importance of not prolonging a woman's agunah status. He advises attempting reconciliation if possible, but if there is no hope, not to delay the get unnecessarily. https://www.torahrecordings.com/rebbe/igroskodesh/017/009/6342
In this episode, Alex Pardo brings back returning guest and Storage Wins fan-favorite Dan Wentzel for an honest, unfiltered look at what two years of grinding toward his first self-storage deal has actually taught him. With lines in the water, offers made, and hard-won perspective to share, Dan sits down to answer the question every aspiring storage investor eventually has to face: if you could go back to day one with everything you know now, what would you do differently? This is not a highlight reel. It's a raw breakdown of the mistakes that slowed Dan down (chief among them, analysis paralysis) and the mindset shifts that have him closer than ever to closing his first storage facility. If you've been studying, underwriting, and preparing but still haven't made your move, this episode is the push you've been waiting for. You'll Learn How To: Break the analysis paralysis cycle that's keeping you from making offers on storage facilities Underwrite a self-storage deal with confidence in 30 minutes or less Use the LMAO Method (List, Meaningful Conversations, Analyze, Offers) to structure your entire acquisition process Make verbal offers without waiting for every detail to be perfect Build real momentum through cold calls with storage owners, even when you don't feel ready Stop falling into the "I should be further along" trap and start taking radical ownership of your journey Take massive imperfect action and collect tiny wins that compound over time What You'll Learn in This Episode [0:00] Dan delivers the episode's thesis before the intro even starts: perfect action doesn't exist, and waiting for it is the only thing that guarantees you stay stuck [0:33] Alex sets up the central question: if Dan kept all his experience but woke up tomorrow at day one, what would change? [1:01] Why hindsight and perspective are the two assets Dan has now that no spreadsheet could have given him [1:32] Alex runs the "Men in Black" scenario: erasing two years but keeping every lesson, and what it reveals about where Dan actually is [2:18] Alex reveals on-air that Dan has built a loyal fan base of Storage Wins listeners following his journey throughout season two [2:55] Dan's honest answer to what took longer than it should have: closing a deal, and why he still knows it's coming [3:50] Alex breaks down the "I should be further along" trap and why every entrepreneur who falls into it guarantees they stay exactly where they are [4:34] Dan takes full accountability for his timeline, no blame, no excuses, and explains what that shift in ownership has unlocked [5:25] Dan names his biggest mistake: analysis paralysis, and walks through the spreadsheet rabbit hole that had him second-guessing a deal he'd already underwritten correctly from day one [7:16] The gut-punch moment: two experienced mentors reviewed Dan's deal in 30 minutes and landed on the exact same number he'd spent weeks agonizing over [9:05] Alex's boat analogy: analysis paralysis is a current pulling you out to sea, and taking action shifts the current and brings you to shore [11:14] The flip side: what activities actually built momentum for Dan, and why doing more of what works is just simple math [11:39] What today's Dan would tell day-one Dan: don't overthink it, pick up the phone, and learn from every call you make [13:35] Alex reveals the LMAO Method (List, Meaningful Conversations, Analyze, Offers) and shows how Dan's own three-step answer was the framework all along [15:24] Dan's final word on massive imperfect action: collect tiny wins, make verbal offers, move to the next owner, and do it again Who This Episode Is For: Aspiring storage investors who keep underwriting deals but haven't submitted an offer yet People who freeze up at the thought of cold-calling storage facility owners Anyone who has been told to "just make offers" but doesn't know where to start Investors tying their self-worth to whether a deal closes on a specific timeline Entrepreneurs who know the technical side of self-storage but keep getting stuck in their own heads Anyone who has consumed all the content and just needs someone to tell them to pick up the phone Why You Should Listen: Season two of Storage Wins was supposed to end with Dan closing his first self-storage deal. And while that close is still coming (and both Alex and Dan know it), this episode makes the case that the most important thing Dan built over 38 episodes wasn't a portfolio. It was a version of himself capable of building one. Two years ago, the thought of calling a storage owner cold terrified him. Today, he can underwrite a facility, have a meaningful conversation with a seller, and submit an offer without breaking a sweat. That's not a small thing. What makes this conversation hit differently is the specificity of the mistakes. Dan doesn't give you vague lessons about "staying consistent." He walks you through the exact deal he over-analyzed: the spreadsheets, the second-guessing, the mentors who looked at it for 30 minutes and landed on the same number he'd spent weeks circling. That's the kind of honesty you can actually use. And when Alex's boat analogy lands, the current of analysis paralysis pulling you out to sea versus the current of action bringing you to shore, you'll feel it. If you've been sitting on a deal, a call, or even just the decision to get started, this episode gives you no more runway to hide behind. The LMO Method is simple. The Owner's Code is downloadable below. The blue ocean of 50,000-plus storage facilities is real. The only thing left is the action, and Dan's story is proof that imperfect action taken consistently will get you there. Follow Alex Pardo here: Website: https://storagewins.com Schedule a call: https://storagewins.com/call Facebook Group: Storage Wins Community Instagram: @alexpardo25 YouTube: Storage Wins Podcast If this episode lit a fire under you, the best next step is the simplest one: pick up the phone and start talking to storage owners. Download the Owner's Code seller conversation framework linked below so you know exactly what to say, and book a free 10 to 15 minute discovery call with Alex at https://storagewins.com/call when you're ready to go deeper. If you're just finding the show, go back to the beginning of season two and follow Dan's full journey from episode one. You won't regret it.
Year of Parables – Episode 25: In a challenging illustration, Jesus shares how we should not seek honor, but instead intentionally humble ourselves and let other people lift us up. Discover how this describes Jesus’ life, and how Jesus has called us to live this type of life as well! Listen to this episode and/or subscribe on ReflectiveBibleStudy.com...
The Rebbe addresses the administration of the Yeshiva in Lod regarding timely reporting of student evaluations, advising not to delay due to external considerations. He also references correspondence about a fundraiser's trip and building repairs, encouraging continued dedication. https://www.torahrecordings.com/rebbe/igroskodesh/007/005/2002
Most men think erectile dysfunction only affects the bedroom, but the truth may surprise you.Hidden beneath the surface, ED can influence your confidence, relationships, mental well-being, and even your long-term health. In this episode, discover the unexpected ways erectile dysfunction may be affecting your life and why waiting to address it could come at a higher cost than you realize. Learn why ED is often considered an early warning sign for deeper health concerns and what steps can help you regain control.Tune in now to uncover the hidden impact of erectile dysfunction and learn why taking action today could change your future.--------------Key TakeawaysED affects more than sexual performance.Erectile dysfunction can strain relationships.ED may lower self-confidence and identity.Performance anxiety can worsen ED symptoms.ED is linked to cardiovascular health risks.Early treatment can improve long-term outcomes.Lifestyle changes may support erectile function.Comprehensive treatment often works best.Delaying treatment can lead to tissue changes.Addressing ED can improve overall quality of life.--------------Resources mentioned:Modern Man CribMediterranean DietGood Morning Wood SmoothieRenew with Dr. Anne--------------Curious about how you can boost your bedroom game and build lasting confidence? Check out the course at getwoodnow.com and start your journey to feeling like yourself again!--------------If you enjoyed this episode and want to learn more and get more tips, subscribe to The Modern Man newsletter for exclusive content delivered straight to your inbox! https://dranne.co/themodernman--------------Follow Me On:InstagramTwitterFacebookTikTokYouTube--------------For all links and resources mentioned on the show and where to subscribe to the podcast, please visit https://truongrehab.com/erectile-dysfunction-hidden-effects-men-health--------------Want to regain control of your sex life? It's time to reverse the effects of ED on your life. Join the Modern Man Club and embark on your journey to complete recovery and community.--------------Reveal the FREE treatment most men ignore that solves thousands of erectile dysfunction cases every year, plus the 5 biggest mistakes you must avoid if you want to say goodbye to your ED. Uncover it all in my free eBook, available to download now.https://dranne.co/ebook
The US president warns Iran that it will be ‘hit hard again’ after the two sides exchanged fresh strikes. Then: how effective will Europe’s new Russia sanctions be? And: are tourists being ripped off this holiday season?See omnystudio.com/listener for privacy information.
More than half of Gen Z have delayed major life decisions due to their financial situation. That's according to a new survey by Deloitte out this morning that shows how the housing and cost of living crises are shaping the lives of Irish young people. Newstalk's Sarah Madden has been looking into this research.
More than half of Gen Z have delayed major life decisions due to their financial situation. That's according to a new survey by Deloitte out this morning that shows how the housing and cost of living crises are shaping the lives of Irish young people. Newstalk's Sarah Madden has been looking into this research.
THE TOM DUPREE SHOW | PODCAST SHOW NOTES I’m 55 and Behind on Retirement — Here’s What You Can Actually Do About It The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Turning 55 can trigger some hard questions about retirement — not regrets about the past, but real concerns about the present. Tom Dupree and Lead Advisor Mike Johnson tackle one of the most common questions they hear from new clients: What do you actually do when you feel behind? This episode lays out a practical, honest framework for evaluating where you stand, calculating how much income your portfolio needs to produce, and identifying the specific actions that can still make a real difference in the next ten years. The conversation covers the math behind 401(k) catch-up contributions, the income gap calculation that determines whether your retirement plan actually works, why your expenses matter more than your portfolio balance, and the critical difference between volatility as a friend during accumulation versus a threat during withdrawals. Real client examples ground the discussion — including retirees who thrived on $400,000 and others who struggled with far more. The episode closes with a clear message for anyone in their mid-50s who has been putting off this conversation: the opportunity is still real, the tools are available, and it starts with one step. At 55, you might feel like you’re late getting started — but you still have a lot of opportunity to build real wealth and retire the way that you want. Topics Covered The income gap: How to calculate the difference between your fixed income sources and what you’ll actually need to spend in retirement 401(k) catch-up contributions: The 2026 limits for savers over 50, including the super catch-up provision for ages 60–63 Real accumulation scenarios: What maxing out a 401(k) at a 6% return actually produces over 10 years — for one earner and two Expenses as the key variable: Why what you spend in retirement matters more than how much you’ve saved Wealth vs. riches: Why clients with $400,000 sometimes retire better than those with $2 million Sequence-of-returns risk: How early losses in retirement can permanently damage a portfolio — and why income investing helps avoid that trap The wealth paradox: Why taking on more risk when you’re close to your target number can do more harm than good Social Security strategy: Age 62 vs. full retirement age vs. 70 — and how to think about spousal benefits and break-even timing In-service rollovers: How to start building an income-producing portfolio while you’re still working and contributing How to prepare for your first meeting: What to bring, what to expect, and how the planning conversation actually works Key Takeaways Your expenses determine everything. The question isn’t how much you’ve saved — it’s whether what you have can cover the gap between your fixed income and your actual spending. Get clear on your expenses before anything else. Age 55 is still a strong position. You’re likely near peak earnings, kids may be off the payroll, and 401(k) catch-up rules let you contribute up to $32,500 a year — or $35,750 between ages 60 and 63. Ten years of disciplined saving can still produce meaningful income. Don’t ignore the employer match. Contributing at least enough to capture your employer’s match is a 100% guaranteed return from day one. There is no simpler, more powerful first move. Volatility is your friend while you’re accumulating — not when you’re withdrawing. During your working years, market swings let you buy more at lower prices. In retirement, a bad year early can force you to sell assets at the worst possible time. That’s the sequence-of-returns risk that ends retirement plans. Income portfolios solve a problem, growth portfolios don’t. When your portfolio pays you dividends and income, you don’t have to sell holdings to fund your lifestyle during down markets. That changes the entire risk equation. The wealth paradox: more isn’t always better if it requires more risk. If you already have the number that funds the retirement you want, adding risk for more upside isn’t rational — the downside threatens the entire plan, while the upside is just gravy. Social Security is a strategic asset, not just a check. Delaying from 62 to 70 can dramatically increase your lifetime benefit. The break-even point is roughly age 82, and a spousal benefit strategy can add another layer of optimization. You can start building income while you’re still working. An in-service rollover at age 59½ lets you move funds from your 401(k) into an IRA where they can be invested for income — so the income engine is already running when you retire. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your current savings and investments can actually close the gap between what you’ll have and what you’ll need in retirement, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com REGULATORY DISCLAIMER Dupree Financial Group is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented on this program is for educational purposes only and does not constitute investment advice, a solicitation, or an offer to buy or sell any security. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Listeners should consult with a qualified financial professional before making any investment decisions. The post I’m 55 and Behind on Retirement — Here’s What You Can Actually Do About It appeared first on Dupree Financial.
Making a change on your team can feel emotionally brutal, especially when hope, doubt, and logistics collide. Listen to this short episode to explore the hidden costs of hesitation and why choosing a direction helps me lead with more clarity.Key topics discussed in this episode:• The emotional energy drain of waffling back and forth• Why performance often improves when you start questioning fit• How indecision creates irritation, rumination, and stalled focus• How workarounds, overchecking, and reluctance to delegate slow growth• Choosing between two hard options rather than waiting for certaintyFollow Elite Achievement for more conversations on leadership and high-level execution. About Kristin BurkeKristin Burke works with financial advisors and leaders in financial services who are building and scaling firms. She helps them lead more effectively, develop their team, and execute consistently on the priorities that drive growth.Work with KristinIf you are building a firm and want a strategic partner to help you think through leadership, team development, and execution, you can learn more about working with Kristin here:WebsiteConnect on LinkedInLinkedIn
The Rebbe addresses the issue of delaying marriage because of high housing costs, urging not to postpone weddings for such reasons. He encourages seeking affordable options and stresses the necessity of setting fixed times for studying Chassidus, both in schedule and in one's soul. https://www.torahrecordings.com/rebbe/igroskodesh/017/009/6305
WBBM political editor Geoff Buchholz reports on Gov. J.B. Pritzker's ideas for easing higher gas prices in Illinois.
WBBM political editor Geoff Buchholz reports on Gov. J.B. Pritzker's ideas for easing higher gas prices in Illinois.
WBBM political editor Geoff Buchholz reports on Gov. J.B. Pritzker's ideas for easing higher gas prices in Illinois.
For most of your working life, the financial question is straightforward: earn more, save more, invest wisely. Then retirement arrives, and the question flips entirely. How do you turn decades of saving into a reliable paycheck that lasts as long as you do?In this episode of Financial Commute, Morton Wealth advisors Chris Galeski and Mike sit down to tackle the retirement income questions clients ask most: the 4% rule, Social Security timing, sequence of returns risk, and the three-bucket strategy that can protect your lifestyle through any market cycle.Questions This Episode AnswersThese are the questions people approaching and entering retirement are genuinely asking. We've addressed them directly below, and the full conversation is available as a transcript further down the page.What questions should I be asking my advisor that I'm not?The most important question isn't about a number — it's about the framework: what decisions today will have the biggest impact 10–20 years from now, and what am I not asking that I should be? The right advisor helps you find those blind spots before they become costly gaps.Does the 4% rule still work today?A useful starting point, but not a strategy. The 4% rule was designed for simplicity, not sophistication. A real plan accounts for your full picture — Social Security, pensions, annuities, taxable and tax-deferred accounts, real estate — each with different tax treatment. Think of 4% as a floor, not a ceiling, and not a substitute for personalized planning.When should I take Social Security?There's no universal right answer — and regret runs both ways. Timing depends on your health, savings, and other income. Delaying to 70 maximizes your benefit, but if you've saved enough to invest early payments and grow them, taking it sooner can make mathematical sense. Run projections across multiple scenarios with your advisor and make the best decision with today's information.What is the three-bucket strategy, and why does it matter in retirement?The bucket approach organizes assets by time horizon rather than treating everything as one pool. Bucket one is your safety net (2+ years of living expenses in low-volatility assets). Bucket two holds income-generating bonds for the medium term. Bucket three is long-term growth — equities you can leave alone through market cycles. When a recession hits, you draw from bucket one, never forced to sell growth assets at the worst possible time.What is sequence of returns risk, and how does it affect retirement income?The danger of major market losses early in retirement — right when you start drawing down. If your portfolio drops 30% in year one and you're selling shares to cover expenses, you lock in losses and permanently reduce future growth potential. The bucket strategy protects against this: draw from your stable bucket in downturns and leave growth assets untouched until they recover.Which account should I draw from first in retirement?Order matters enormously for tax efficiency. Assess your account types (taxable brokerage, traditional IRA/401(k), Roth), your current bracket, and expected Social Security income — then “fill” each bracket optimally. Some years that means pulling extra from an IRA; others it means realizing long-term capital gains from a taxable account. There's no single right answer — revisit it every year.How often should I update my retirement financial plan?At minimum, once a year — and after any major life change. Tax laws shift, markets move, and family situations evolve. An annual check-in lets you ask: does last year's plan still fit this year's life? Most years you won't need dramatic changes, but small course corrections prevent big drift over time.
What if the biggest thing holding you back isn't laziness, lack of discipline, or motivation, but something deeper happening beneath the surface?In this episode, together with Kam Knight, we explore the hidden force he calls “internal resistance”, the invisible mental and emotional friction that keeps people stuck, procrastinating, overthinking, and delaying the life they genuinely want.We unpack why knowing what to do is often not enough, how resistance disguises itself in subtle and self-sabotaging ways, and why even highly motivated people struggle to take action on the things that matter most.Kam shares practical insights into the psychology of resistance, the difference between your wants and the forces working against them, and the sneaky “tricks of resistance” that quietly keep people trapped in familiar patterns.This conversation is a powerful reminder that personal growth is not just about learning new strategies, it's about understanding the inner battle happening every day inside your mind.If you've ever felt frustrated by procrastination, self-sabotage, inconsistency, or the gap between what you want and what you actually do, this episode will give you a completely new perspective.In this episode, we explore:Why motivation alone is not enoughThe hidden psychology behind procrastinationHow internal resistance keeps you stuckThe emotional cost of avoiding actionWhy self-awareness changes everythingThe subtle tricks your mind uses to stay comfortableHow to start moving towards the life you truly wantListen now to uncover the hidden resistance holding you back, and take the first step towards creating meaningful change in your life.Kam Knight is an author, coach, and speaker specialising in mental performance, motivation, and the psychology of internal resistance.After being laid off from his first job, he began exploring learning and memory techniques while preparing for the highly challenging CPA exam, eventually discovering tools like mind mapping and speed reading that transformed his approach to growth and performance. His work now focuses on helping people understand why they often struggle to follow through on goals despite having the motivation and desire to succeed, exploring the powerful relationship between wants, resistance, and the hidden “tricks of resistance” that keep people stuck.Website: https://kamknight.comSocial Media:https://instagram.com/ikamknighthttps://facebook.com/ikamknighthttps://youtube.com/@ikamknighthttps://linkedin.com/in/ikamknight/https://tiktok.com/@ikamknight
Are you getting your full entitlement, spousal Social Security, or—like one of my recent clients—missing out on hundreds, even thousands, of dollars each year? This week, I discuss how spousal benefits work, what the eligibility requirements are, and the critical steps you need to take to ensure you aren't leaving money on the table. If you or your spouse are nearing retirement or already collecting benefits, this episode will equip you with the knowledge to maximize your Social Security income and avoid common mistakes. You will want to hear this episode if you are interested in... [00:00] Spousal social security benefits [01:56] Criteria for receiving spousal benefit [02:25] Calculation of spousal social security benefit [07:26] Confusion when both spouses are eligible for their own and spousal benefits [09:46] Sue's social security increase [11:24] Misconception that adjustments are automatic Understanding Spousal Social Security Benefits If you are married (or divorced after a marriage of at least 10 years), you may qualify for spousal Social Security benefits. For those with limited earning histories or lower primary insurance amounts (PIA), this benefit is especially valuable. At your full retirement age (FRA)—which is 67 if you were born in 1960 or later—you can collect up to 50% of your spouse's full retirement benefit, so long as your own benefit is less than half of theirs. If your own benefit exceeds half your spouse's, you'll receive your own larger benefit. Social Security will always pay the higher of the two benefits, but not both combined. This makes it vital to understand where you fall before claiming. How Early Claiming Reduces Your Benefit Timing is critical. Claiming spousal benefits before your FRA means your payments will be permanently reduced. The reductions work as follows: For the first 36 months before your FRA, your benefit is reduced by 25/36 of 1% for every month claimed early. Additional months over 36 are reduced by 5/12 of 1% per month. For example, if a spousal benefit of $800 is claimed 36 months early, the amount drops to $600, a 25% reduction. If claimed 60 months early (at age 62), the benefit falls by roughly 35% to $520. Key Rules of Spousal Benefit Eligibility To receive a spousal benefit, several conditions must be met: Your spouse must be collecting their Social Security benefit (unless you're claiming divorced benefits, in which case your ex only needs to be eligible). You must be at least age 62 (or have a qualifying child under 16 or with a disability in your care). Generally, you need to be married for at least one year before applying, though this rule doesn't apply if you're the parent of your spouse's child. If divorced, you must have been married for at least 10 years. Spousal benefits do not increase if you wait past your full retirement age to claim. The maximum is always 50% of your spouse's PIA. Delaying only increases benefits on your own work record, not on a spousal claim. Spousal Benefits Are Not Automatic One major pitfall couples face is assuming that spousal benefits "switch on" automatically when their higher-earning spouse starts collecting their benefit. In reality, the Social Security Administration often needs to be contacted directly to initiate the higher spousal benefit. I share a case where a client (Sue) was entitled to a much larger benefit once her husband began taking Social Security at age 70, yet her benefit wasn't increased until she contacted Social Security, resulting in a missed $900/month for six months. Social Security would only issue six months of retroactive pay, meaning the client lost out on another six months of increased income. Don't assume the system will identify and correct missed benefits for you—it's up to you (and your advisor) to ensure you're receiving everything you've earned. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Social Security Fairness Act Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
Howie discusses President Trump's recent delay in restarting bombing raids on Iran. Callers express their feelings to Howie; some simply urge him to hurry up and end the IRGC. Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.
This week's show covers how to delay filing Social Security, Small Cap Value stocks, a simple portfolio construction framework, and lots of email questions!
Don and Tom explore one of retirement's biggest emotional and financial questions: where should you actually live once work winds down? They discuss the hidden realities behind “low-tax” retirement states, including insurance costs, healthcare expenses, weather extremes, and the importance of family and community. The episode also features listener questions on retirement cash management, why annuities often create more problems than solutions, retirement savings strategies for LLC owners, and the ultra-wealthy “buy, borrow, die” strategy using securities-backed lines of credit.0:05 Retirement dreams and deciding where to live1:49 The myth of “low-tax” retirement states3:18 Washington taxes, Jeff Bezos, and Wyoming winters4:27 Florida's hidden costs and brutal summers6:04 Insurance shocks, pension taxes, and state tax surprises8:04 Property taxes, sales taxes, and healthcare costs10:12 Why family and community matter more than taxes11:38 Florida thunderstorms and surviving the humidity12:40 Comparing total living costs before relocating13:52 Aging in place and the rising demand for one-story homes15:34 Listener question: What to do with $192,000 sitting in checking18:52 Why liquid savings may beat annuities near retirement22:15 Delaying 401(k) withdrawals and retirement flexibility24:47 LLC profits and retirement contribution limitations28:06 “Buy, borrow, die” and securities-backed lines of credit33:19 The risks of borrowing against investments34:05 Free fiduciary advice versus commissioned sales pitchesQuestions? Comments? Click!
The boys get together to trudge through the worst loss in club history. They discuss all the low points of Wednesday's 5-0 defeat before previewing Saturday's return to Q2 Stadium to take on Sporting KC. Then they close out the episode with Last Business Day and the nonsense. 0:30 - Intro 5:15 - Delaying our salary cap breakdown 8:05 - Lineup reactions 17:55 - San Diego FC recap 57:10 - Postgame takeaways 1:07:45 - Sporting KC preview 1:25:10 - Last Business Day 1:35:35 - Picks recap 1:36:20 - Best Ball update Sign up today for our new Patreon and join in on all the additional fun in The North End! Visit our website for match preview articles, weekly MLS picks and access to our salary cap and roster spreadsheets! Follow the podcast on socials YouTube Instagram Bluesky Threads Twitter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
What if the biggest threat to your life isn't failure… but drift? Not some dramatic collapse, but slowly becoming someone you never meant to be. Getting comfortable. Delaying the move. Waiting for the perfect time that never comes. In this episode, I sit down with Brian Proctor to unpack the powerful message behind his book Quit Screwing Around a phrase passed down from his father, the legendary Bob Proctor. We explore why comfort can be more dangerous than crisis, how people quietly drift into regret, and the hidden identities that keep them stuck in the same patterns around money, health, and relationships. Brian also shares why self-talk matters more than most people realise, and how momentum is built through action, not endless planning. If you know you're capable of more but have been tolerating less, this conversation will challenge you to stop waiting and start living with intention.
TSN's Cheryl Pounder on PWHL delaying Game 5 because of illness, Gwyneth Philips and the PK getting the Charge back in the Walter Cup final, Avs have the Wild on the brink and the Habs look to do the same tonight to the Sabres.
Brrrrr, it's cold out there. Cool weather and cool soil have some Ontario farmers seriously wondering if it's best to wait before planting corn and soybeans. But RealAgriculture resident agronomist Peter "Wheat Pete" Johnson says that unless there's a cold rain in the immediate forecast, drive on. Cool to cold soil may delay emergence, it's... Read More
The chairman of the NZ20 accepts it became an inevitability that they would need to delay the launch of the franchise cricket competition until 2028. Don Mackinnon says they reached the point that it couldn't be done properly this summer with the Black Caps touring Australia and then welcoming Sri Lanka soon after. Sportstalk host Jason Pine explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Tom Appel, Publisher of Consumer Guide Automotive and host of the Consumer Guide Car Stuff podcast, joins John Landecker to discuss Honda delaying new models until the 2030s, what E-15 Gas is, why we may see it in Illinois, and more!
Welcome to "Thriving in Midlife" The Women's Guide to Wellness, Longevity & Hormones After 40. This is your trusted space to cut through the noise, ditch the overwhelm, and finally feel extraordinary in your body, mind, and life. Are you who are ready to stop pushing through life and start living it with intention, energy, and ease? Then let's get started. I'm your host, Kellie Lupsha, a high-performance health coach, who is delighted to be your guide to vitality.In this episode, I speak candidly and straight from the heart about something so many women over 40 are silently struggling with: postponing their lives. It's not about a lack of motivation or laziness. It's about losing touch with aliveness, that deep, purposeful energy that makes life feel rich, meaningful, and expansive. I share why waiting for the “right time” is quietly costing you your joy, confidence, and future self… and how one aligned decision can begin to reignite everything.Key Highlights:➡️ The real reason you feel stuck isn't laziness, it's disconnection from aliveness.➡️ “Later” is a slow leak draining your energy, joy, and confidence.➡️ Aliveness isn't the same as excitement, it's sustained engagement rooted in purpose.➡️ You don't need to feel ready. Readiness is a myth that keeps you waiting.➡️ Energy doesn't come before action. It follows movement and decision.➡️ Overthinking, people-pleasing, and normalized exhaustion quietly kill your dreams.➡️ One small, aligned step, even if it scares you, can shift your entire trajectory.➡️ Your comfort zone may feel safe, but it's where growth goes to sleep.➡️ High performers don't wait for motivation, they choose how they want to feel.➡️ Choosing aliveness now creates momentum in your confidence, clarity, health, and life expansion. Key Takeaways:“You're not unmotivated. You're not lazy. You're disconnected from aliveness.”-Kellie Lupsha“Stop putting life off. Start living like you are meant to live.”-Kellie Lupsha1️⃣ JOIN US IN THE WOMEN'S LONGEVITY & WELLNESS HUB!A Functional Medicine, Wellness, and Coaching Membership designed just for women over 50. The Hub is a monthly membership and supportive community where we combine science-backed protocols, natural healing tools, and expert coaching to help you finally get real answers—and real results**.
Most people think deciding when to take Social Security is a math problem. Run the numbers. Find the breakeven age. Pick 62, 67, or 70. Done.But that approach misses the point. This is not a math decision. It is a risk decision.In this episode, James reframes how to think about Social Security timing by focusing on what each choice actually protects you from. Claim early and you protect against the risk of a shorter life. Delay and you protect against the risk of living longer than expected. Choose the middle and you split the difference, but still carry exposure on both sides.The complication is that this decision never exists in isolation. Delaying benefits might increase lifetime income, but it can also put pressure on your portfolio in the early years of retirement. A market downturn during that window can change the outcome far more than a simple breakeven analysis ever shows.There are also second order effects that rarely get discussed. How the decision impacts a surviving spouse. How taxes evolve depending on where income is coming from. How the combination of Social Security and portfolio withdrawals ultimately shapes your long term plan.The takeaway is simple. Social Security is not about picking the perfect age. It is about understanding which risks matter most to you and building a plan that accounts for them.Because in the end, Social Security is just a tool. The goal is not maximizing a benefit. The goal is creating a retirement that works no matter what happens next.Learn the tips & strategies to get the most out of life with your money.--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 Strategy ⬇️Get Started Here.Join the new Root Collective HERE!
In his weekly clinical update, Dr. Griffin and Vincent Racaniello note the uncertain future of the National Science Foundation amid shifting U.S. funding priorities and governance; the rise of China as a global research powerhouse; ongoing advances and controversies in vaccines shaped by the World Health Organization and the Centers for Disease Control and Prevention; vaccine policy battles in Florida; European approval of the moderna mCOMBRIAX, COVID-19 and influenza vaccine, the mounting evidence supporting preventive vaccination strategies including that for HPV and the HepB birth dose; the spread of drug-resistant infections and the resurgence of HIV in Zambia; and the enduring public trust in scientists despite political turbulence, before Dr. Griffin deep dives into the measles outbreak, recent statistics RSV, influenza and SARS-CoV-2 infections, the Wasterwater Scan dashboard, Johns Hopkins measles tracker, the efficacy of the influenza vaccine for children, PEMGARDA authorized use for certain immunocompromised individuals where to find PEMGARDA, how to access and pay for Paxlovid, use of remdesivir for RSV, how administration of Paxlovid did not affect hospitalization of high-risk vaccinated patients, where to go for answers about long COVID-19, if SARS-CoV-2 infection may facilitate EBV reactivation, exercise for treating long COVID and contacting your federal government representative to stop the assault on science and biomedical research. Subscribe (free): Apple Podcasts, RSS, email Become a patron of TWiV! Links for this episode Entire NSF science advisory board fired by Trump administration (Nature) United States v. Arthrex, Inc.(Harvard Law Review) United States v. Arthrex Inc. [SCOTUSbrief] (Federalist Society) China could be the world's biggest public funder of science within two years (Nature) The Vaccine Skeptic in Trump's New C.D.C. Leadership Team (NY Times) World Immunization week: Largest catch-up initiative delivers over 100 million childhood vaccinations (WHO) Pigs are flying!: Florida Republicans refuse to take up DeSantis bill loosening vaccine mandates (NY Times) Moderna Receives European Commission Marketing Authorization for mCOMBRIAX, Moderna's mRNA Combination Vaccine Against Influenza and COVID-19(moderna) America First! AIDS Creeps Back in Parts of Zambia, a Year After U.S. Cuts to H.I.V. Assistance (NY Times) Emergence of Extensively Drug-Resistant Shigellosis — United States, 2011–2023 (CDC: MMWR) Scientists Esteemed by Public, with Vaccine Scientists Seen as Similar to Scientists in General (Annenberg: Public Policy Center, University of Pennsylvania) RFK Jr. is holding up $600M in vaccines for poor countries (Politico) Trump Withdraws Nomination of Casey Means for Surgeon General (NY Times) What? Benefit of preventive strategies like vaccination? Incidence of human papillomavirus infections in women aged 27 years and older in the US: A federated data network study (International Journal of Infectious Diseases) Economic Impact of Delaying the Infant Hepatitis B Vaccination Schedule (JAMA Pediatrics) Impact of Removing the Universal Hepatitis B Birth-Dose Vaccination in the US (JAMA Pediatrics) Wastewater for measles (WasterWater Scan) Measles cases and outbreaks (CDC Rubeola) Measles Dashboard (South Carolina Department of Public Health) Utah measles outbreak response (Utah Department of Health and Human Services) Utah Measles Dashboard (Utah Department of Health and Human Services) Tracking Measles Cases in the U.S. (Johns Hopkins) Measles vaccine recommendations from NYP (jpg) Weekly measles and rubella monitoring (Government of Canada) Measles (WHO) Get the FACTS about measles (NY State Department of Health) Measles (CDC Measles (Rubeola)) Measles vaccine (CDC Measles (Rubeola)) Presumptive evidence of measles immunity (CDC) Contraindications and precautions to measles vaccination (CDC) Adverse events associated with childhood vaccines: evidence bearing on causality (NLM) Measles Vaccination: Know the Facts (ISDA: Infectious Diseases Society of America) Deaths following vaccination: what does the evidence show (Vaccine) Dangers of measles infection (NY Times) Influenza: Waste water scan for 11 pathogens (WastewaterSCan) US respiratory virus activity (CDC Respiratory Illnesses) Respiratory virus activity levels (CDC Respiratory Illnesses) Flu vaccine recommendations: Vaccines and Related Biological Products Advisory Committee March 12, 2026 Meeting Announcement (FDA) WHO updates all 3 viral strains to be included in fall flu shots (CIDRAP) FDA vaccine advisers recommend adding subclade K to fall shots (CIDRAP) Weekly surveillance report: cliff notes (CDC FluView) OPTION 2: XOFLUZA $50 Cash Pay Option (Xofluza) Influenza Vaccination Coverage Among Nursing Home Residents and Health Care Personnel — United States, 2024–25 Influenza Season (CDC: MMWR) Pediatric Vaccine Effectiveness Against Influenza Hospitalization And Outpatient Visits: 2021–2024 (Pediatrics) Influenza Vaccine Effectiveness in European Primary Care Pediatric Practices: 2022–2024 (Pediatrics) RSV: Waste water scan for 11 pathogens (WastewaterSCan) Respiratory Diseases (Yale School of Public Health) USrespiratory virus activity (CDC Respiratory Illnesses) RSV-Network (CDC Respiratory Syncytial virus Infection) Vaccines for Adults (CDC: Respiratory Syncytial Virus Infection (RSV)) Economic Analysis of Protein Subunit and mRNA RSV Vaccination in Adults aged 50-59 Years (CDC: ACIP) Respiratory Diseases (Yale School of Public Health) Impact of universal nirsevimab prophylaxis in infants on hospital and primary care outcomes across two respiratory syncytial virus seasons in Galicia, Spain (NIRSE-GAL): a population-based prospective observational study (LANCET: Infectious Diseases) First Report on Remdesivir Use for the Treatment of Respiratory Syncytial Virus in Five Allogeneic Hematopoietic Cell Transplant Recipients (JID) Waste water scan for 11 pathogens (WastewaterSCan) COVID-19 deaths (CDC) Respiratory Illnesses Data Channel (CDC: Respiratory Illnesses) COVID-19 national and regional trends (CDC) COVID-19 variant tracker (CDC) SARS-CoV-2 genomes galore (Nextstrain) Where to get pemgarda (Pemgarda) EUA for the pre-exposure prophylaxis of COVID-19 (INVIYD) Infusion center (Prime Fusions) CDC Quarantine guidelines (CDC) NIH COVID-19 treatment guidelines (NIH) Oral Nirmatrelvir–Ritonavir for Covid-19 in Higher-Risk Outpatients(NEJM) Same Pill, Different Impact — Reassessing the Efficacy of Nirmatrelvir–Ritonavir(NEJM) Paxlovid doesn't reduce hospitalization, death rates in vaccinated high-risk COVID outpatients, trial shows (CIDRAP) Drug interaction checker (University of Liverpool) Help your eligible patients access PAXLOVID with the PAXCESS Patient Support Program (Pfizer Pro) UnderstandingCoverage Options (PAXCESS) Infectious Disease Society guidelines for treatment and management (ID Society) Molnupiravir safety and efficacy (JMV) Convalescent plasma recommendation for immunocompromised (ID Society) What to do when sick with a respiratory virus (CDC) Managing healthcare staffing shortages (CDC) Anticoagulation guidelines (hematology.org) Daniel Griffin's evidence based medical practices for long COVID (OFID) Long COVID hotline (Columbia: Columbia University Irving Medical Center) The answers: Long COVID Acute COVID-19 is associated with altered CD8 T-cells indicative of impaired ability to control Epstein–Barr virus reactivation (Medical Microbiology and Immunology) Exercise and Weekly Sirolimus (Rapamycin) in Older Adults: RAPA-EX-01 Randomised, Double-Blind, Placebo-Controlled Trial (Journal of Cachexia, Sarcopenia and Muscle) Reaching out to US house representative Letters read on TWiV 1318 Dr. Griffin's COVID treatment summary (pdf) Timestamps by Jolene Ramsey. Thanks! Intro music is by Ronald Jenkees Send your questions for Dr. Griffin to daniel@microbe.tv Content in this podcast should not be construed as medical advice.
Colin M. Dayan, MA, MBBS, FRCP, PhD - Innovation Through Immunomodulation: The Practicalities of Delaying the Progression of Type 1 Diabetes
Are you always trying to be perfect? Every day we face thousands of decisions that can either help us break free or tie us in knots. Today, we look at the sometimes overwhelming decision process that can affect triathletes in training, racing, and life. We get into premature optimization, how you should build your cake (base), and eventually ask if it's "decision" fatigue or "precision" fatigue. We talk about the idea of always feeling judged and graded and how that can wear out our love for the sport. We look at the differences between inside riding and outside. We talk about dealing with the elements without a second thought. We also look at how to get to the top and spoiler alert, it's not by skipping steps. When we boil it down, it all comes back to honoring the intent of your workouts. Also, if you're thinking of doing one of these GREAT MIDWEST races, Ironman 70.3 Rockford, Ironman 70.3 Muncie, Ironman Wisconsin, or Ironman 70.3 Omaha, please use this link to sign up so we get a little credit from the boss: https://go.ironman.com/crushingiron Topics: Tornadoes and biking in the dark Old Man Talk Micro decision making and fatigue Online training plans Premature optimization Over exposure to tips, tricks, and hacks Noise and marketing Compounding negative effects Precision making fatigue Intervals or consistent riding? Trainer fatigue Go for the INTENT of the workout Precision Fatigue Get outside Inside bike position vs Outside position Feeling judged and graded all the time F-bomb settings The cake is the intent, the icing is precision We don't need more weight on our backs Delaying getting back into things Intent is relative to the day, week, month This is for you Taking the stairs to get to the top Moving is the momentum Maximize your intent Make your wins possible RIP Uncle Butch Mike Tarrolly - mike@c26triathlon.com Robbie Bruce - robbie@c26triathlon.com
Ben got clipped by the LMPD, servers share their WORST customer stories and "Tonya' wants to delay her wedding that's in TWO WEEKS!
Master Certified Wedding Planner Tish Clay joins CWP Society Senior Educator Krisy Thomas for a conversation that will feel uncomfortably familiar.If you've ever wrapped a wedding, sat down in the quiet, and told yourself this is the week you fix your pricing — then watched that promise disappear the moment the next inquiry landed, you already know what we're talking about. That pattern has a name: chronic postponement. And it's one of the most expensive habits in this industry.In this episode, we break down how it shows up differently depending on where you are in your business. For newer planners, it often looks like waiting to build structure until you've "proven yourself" first. For seasoned planners, it looks like not wanting to disrupt the momentum you've worked hard to build. The cost is the same either way — shaky boundaries, leaky systems, and confidence that never fully settles.Tish Clay of Simone Elise Events brings rare honesty to this conversation: what it felt like to invest in education that wasn't the right fit, keep pushing through it because of sunk cost, and quietly wonder if the problem was her. She shares how finding the right certification and a real professional community changed that — giving her repeatable processes, clearer pricing, and a business that stopped depending on her reinventing everything from scratch with every new client.If you're ready to stop waiting for the right season to do the work that actually builds stability, this one is for you.Subscribe, share this with a planner who needs to hear it, and leave a review — so more planners find their way here sooner.www.cwpsociety.com | info@cwpsociety.com | IG: @cwpsociety | FB: @cwpsociety
In this episode, Coach Chris Cotton breaks down key principles from Die With Zero and applies them directly to independent auto repair shop ownership.You'll learn:Why most shop owners delay life too longHow business growth can become a trapThe importance of memory dividends vs. financial accumulationHow to align your shop operations with your life goalsTactical steps to start reclaiming your timeAre you building a business… or postponing your life?Inspired by Die With Zero, this episode challenges shop owners to rethink how they use time, money, and leadership. Coach Chris Cotton breaks down how delayed living, poor structure, and reactive operations keep owners stuck—and what to do about it.This is a must-listen if you want your shop to support your life—not replace it.Most shop owners think they're building freedom—but they're actually building a trap.In this episode, Coach Chris Cotton breaks down powerful lessons from Die With Zero and shows how they apply directly to auto repair shop ownership.If you're stuck working too much, delaying life, or waiting for “someday”… this episode will challenge your thinking.
The situation surrounding the Epstein files has become increasingly tangled inside the Trump-era Justice Department, with conflicting signals creating more confusion than clarity. After former attorney general Pam Bondi failed to comply with a congressional subpoena over her handling of the files, lawmakers began threatening contempt proceedings, arguing that her departure from the role does not absolve her of the obligation to testify. At the same time, her replacement, Todd Blanche—who has close ties to Donald Trump—has tried to strike two different tones: publicly suggesting support for transparency and victim hearings, while also downplaying missed deadlines and inconsistencies tied to the release of documents under the Epstein Files Transparency Act.That contradiction has fueled growing skepticism from legal experts, victims' advocates, and members of Congress, who argue that the Justice Department's approach looks less like disorganization and more like strategic ambiguity. Survivors' attorneys have emphasized that accountability hinges on enforcing subpoenas and fully releasing records, while critics question whether Blanche's position and past relationship with Trump compromise the likelihood of meaningful action. The broader picture is one of mounting frustration, with bipartisan pressure building for enforcement and transparency, even as victims and their representatives warn that the process risks becoming yet another instance of delayed or incomplete justice.to contact me:bobbycapucci@protonmail.comsource:What's next in the Jeffrey Epstein saga? Trump's justice department sends mixed messages | Jeffrey Epstein | The Guardian
SOCIAL SECURITY PLANNING: WHEN SHOULD YOU START BENEFITS? FROM BALTIMORE-WASHINGTON FINANCIAL ADVISORS WATCH ON YOUTUBE Thad Ismart, CFP®, ChFEBC, CEPS Senior Financial Planner, BWFA Tessa Hall Media and Communications Specialist About This Episode Tessa speaks with BWFA's Thad about Social Security planning, how benefits are funded, and what changes may be ahead. They discuss common concerns about whether Social Security will remain available in the future and how the system works today. The conversation also explores when to start Social Security benefits, how working can impact those benefits, and why timing decisions should be based on individual financial and personal circumstances. To better understand how Social Security planning fits into your broader retirement strategy, visit our Financial Planning page. Read Full Description Social Security planning plays a key role in many retirement strategies. However, uncertainty continues around how the system may change in the future. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA's Thad about Social Security planning and what individuals should consider when preparing for retirement. Many people question whether Social Security will still exist, but the situation is more nuanced. Payroll taxes and trust fund reserves currently support Social Security benefits. Even if changes occur, benefits are unlikely to disappear entirely. Instead, lawmakers may adjust how the system operates over time. Timing remains one of the most important decisions in Social Security planning. Starting benefits early reduces monthly income, and continuing to work can reduce benefits further, depending on earnings. For this reason, individuals should evaluate their situation carefully before making a decision. Benefit calculations also play an important role. Social Security uses your highest 35 years of earnings and adjusts them for inflation. Because of this, working longer does not always lead to a meaningful increase in benefits. Delaying benefits can increase lifetime income for some individuals. This strategy becomes especially important when considering spousal benefits and long-term financial needs. Ultimately, Social Security planning is not one-size-fits-all. Your financial situation, health, and long-term goals should guide your decision. With the right approach, you can make more informed choices about when to start benefits and how they fit into your overall plan.
The situation surrounding the Epstein files has become increasingly tangled inside the Trump-era Justice Department, with conflicting signals creating more confusion than clarity. After former attorney general Pam Bondi failed to comply with a congressional subpoena over her handling of the files, lawmakers began threatening contempt proceedings, arguing that her departure from the role does not absolve her of the obligation to testify. At the same time, her replacement, Todd Blanche—who has close ties to Donald Trump—has tried to strike two different tones: publicly suggesting support for transparency and victim hearings, while also downplaying missed deadlines and inconsistencies tied to the release of documents under the Epstein Files Transparency Act.That contradiction has fueled growing skepticism from legal experts, victims' advocates, and members of Congress, who argue that the Justice Department's approach looks less like disorganization and more like strategic ambiguity. Survivors' attorneys have emphasized that accountability hinges on enforcing subpoenas and fully releasing records, while critics question whether Blanche's position and past relationship with Trump compromise the likelihood of meaningful action. The broader picture is one of mounting frustration, with bipartisan pressure building for enforcement and transparency, even as victims and their representatives warn that the process risks becoming yet another instance of delayed or incomplete justice.to contact me:bobbycapucci@protonmail.comsource:What's next in the Jeffrey Epstein saga? Trump's justice department sends mixed messages | Jeffrey Epstein | The GuardianBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
10. Political Stagnation and Repression in Venezuela. Alejandro Peña Esclusa reports that the Rodriguez brothers maintain control in Venezuela by focusing on economic compliance while delaying political transitions. Opposition leader Maria Corina Machado faces threats of imprisonment, hindering hopes for free elections and a democratic transition.1922 CARACAS
Subscribe to This Week in Hospitality wherever you get you podcasts: Spotify - https://open.spotify.com/show/5oPExA0txHMjEI5Ye13IUy Apple Podcasts - https://podcasts.apple.com/us/podcast/this-week-in-hospitality/id1849637233 Youtube - https://www.youtube.com/@ThisWeekinHospitality This week, Scott, Ben, and Zach discuss the growing disconnect between industry strategy and traveler behavior. New data from Cloudbeds shows OTA share continuing to rise for independent hotels, even as operators double down on direct booking initiatives. At the same time, Hyatt tied executive compensation to improving direct channel performance—and failed to meet the target, underscoring how difficult the shift has become, even at scale. In parallel, short-term rental data suggests demand has not weakened, but rather evolved. Travelers are taking longer to convert, prioritizing flexibility, and increasingly relying on platforms during moments of uncertainty. And in the Caribbean, tourism reached record levels despite severe hurricane disruption—highlighting both the strength of global demand and the growing importance of long-term resilience. Taken together, these stories point to a broader shift: success is no longer determined by capturing demand more efficiently, but by creating it earlier—and owning it before the booking ever begins. This Week in Hospitality is presented to you by Journey. Journey is a loyalty platform built specifically for independent boutique hotels and high-touch hospitality brands. Our mission is to give operators the same powerful rewards engine, data intelligence, and guest insights that major chains rely on — without asking them to give up the individuality, soul, or story that makes their property extraordinary. If you're an owner or operator of an extraordinary, independently owned and operated hotel or residence — and you want to see whether your property is a fit for the Journey Alliance — you can learn more and apply at https://www.journey.com/alliance Key Topics & Timestamps 00:00 — Intro 03:15 — Story #1: OTAs Gain Share as Direct Booking Push Stalls 27:02 — Story #2: Hyatt Ties Executive Pay to Direct Booking Goals 40:16 — Story #3: Caribbean Tourism Rebounds Despite Disaster Losses 45:06 — Story #4: STR Demand Isn't Falling—It's Delaying and Shifting 51:21 — Spice of the Week Your Hosts: Zach Busekrus — Journey LinkedIn: https://www.linkedin.com/in/zachbusekrus/ Instagram: https://www.instagram.com/behindthestays/ Scott Eddy — Global Travel & Hospitality Expert @MrScottEddy LinkedIn: https://www.linkedin.com/in/mrscotteddy/ Instagram: https://www.instagram.com/mrscotteddy/ Ben Wolff — Founder of Onera & Oasi LinkedIn: https://www.linkedin.com/in/ben-wolff/ Instagram: https://www.instagram.com/iambenwolff/ Edwin Kramer — Luxury Hotelier Consultant & Former GM LinkedIn: https://www.linkedin.com/in/edwinckramer/ Instagram: https://www.instagram.com/edwinkramer/
The CRC's vacancy crisis isn't evenly distributed. While Thrive reports 146 vacant pulpits, statistician Dan DeGraff's independent tracking puts the real number between 107 and 128 — and the worst of it is concentrated in Canada, where one in four churches currently has no pastor. Host Jason Ruis and co-host Willy Krahnke are joined by Dan DeGraff and Matt Haan for the first of two roundtable episodes on a conversation the denomination has been avoiding: what actually happens to the churches nobody's talking about? What follows Dan's data is a taxonomy of hard decisions. Jason lays out three distinct buckets — plant, revitalize, and replant/close — and argues that conflating them has cost the CRC real opportunities. Matt reframes what "church planting" could mean: not just new locations, but paid-off buildings with dwindling congregations that need a pastor and a fresh mission. The conversation turns to emerging status, a provision in the church order that should apply to the estimated 206 CRC churches under 45 members — but almost never does. A third of U.S. churches are already under 45 or officially emerging. The tool is already there. Most congregations aren't using it. The episode ends with pastoral realism. Closing a church isn't failure — sometimes it's the Lord calling a body to lay something down and do something new. But getting there requires more than a decision: it requires swallowing pride, drawing on the covenant community, and letting classies step in before it's too late. This roundtable starts the conversation that needs to happen. Timestamps: 0:00 — Intro: why this roundtable exists 1:00 — Dan: how he tracks vacancy data and why it differs from Thrive's numbers 3:00 — The breakdown: 107–128 vacancies across the CRC 5:00 — One in four Canadian churches has no pastor 6:00 — The real crisis: Canada's 23–26% vacancy rate 7:00 — Matt: pastor life cycles and what they look like in a classis 8:00 — Reframing "church planting" to include paid-off buildings with no pastor 9:00 — Jason: three buckets — plant, revitalize, and replant/close 12:00 — Willie: how long should a church sit at low numbers before changing status? 13:00 — Jason: a 40-member church and what the transitional minister found 15:00 — Delaying death: when revitalization efforts make things worse 16:00 — Church visitation, classis involvement, and hard conversations 18:00 — Rural far-flung churches and inter-denominational soft agreements 19:00 — Willie: framing closure as calling, not failure 20:00 — Jason: emerging status and the 45-member threshold in church order 21:00 — 206 churches under 45 — and almost none are in emerging status 23:00 — Dan: a third of U.S. churches are under 45 or officially emerging 24:00 — Matt: plant → emerging → established → revitalization → close 27:00 — "Church planting is sexy" — and revitalization isn't 28:00 — Jason: why the CRC should focus on church planting AND renewal 31:00 — Willie: swallowing pride and drawing from your covenant community Join and support us on Substack: https://themessyreformation.com/ Intro music by Matt Krotzer
Our guest on the podcast today is Emily Guy Birken. Emily's the author of The Five Years Before You Retire. She also co-authored Stacked: Your Super-Serious Guide to Modern Money Management, with Joe Saul-Sehy. Other books include End Financial Stress Now, Making Social Security Work for You and Choose Your Retirement: Find The Right Path to Your New Adventure. Emily received her master's degree in education from the Ohio State University and her undergraduate degree in English from Kenyon College. Episode Highlights 00:00:00 Emily Guy Birken's Path to Money and Retirement Writing 00:04:26 Why the Five Years Before Retirement Are Crucial and How Much Is “Enough” Savings 00:10:31 How Expectations Can Shape Happiness in Retirement 00:13:14 Key Moves for Preretirees to Cover Retirement Savings Shortfalls 00:15:58 Social Security: Benefits of Delaying and Advice for Young Workers 00:27:06 Budgets in Retirement and Irregular Expenses on a Fixed Income 00:33:14 Why Long‑Term‑Care Insurance Rarely Pays Off Today 00:36:10 Pre-Medicare Health Insurance Options 00:40:17 Early Mortgage Payoff vs. Investing in Retirement 00:42:26 How Writing About Retirement Changed Guy Birken's Own Planning More From Morningstar 5 Things to Do Today If You Want to Retire in 5 Years Dan Haylett: ‘The Retirement You Didn't See Coming' The Best Strategies for Consistent Retirement Spending If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Venezuelan Leadership Slow-Rolls Political Transition Despite Economic Openings Evan Ellis details how the Rodriguez administration benefits from eased oil sanctions and mining interests while maintaining repressive control and delaying meaningful democratic transitions. (6)1902 Caracas
What if the biggest bottleneck in your commerce strategy isn't the strategy itself, but the time it takes your team to actually perform the actions to execute it?Agility requires not just having the right insights, but also the operational capacity to act on them at the speed the market demands.Today, we're going to talk about a critical bottleneck many brands face: the delay between data-driven insight and real-world execution. Commerce teams are often drowning in data but struggle with the manual, time-consuming work of implementing changes, whether it's updating product pages or optimizing media spend. This has led to a major shift, where brands are looking beyond traditional agency models and toward a new paradigm of 'agentic AI'—using automated agents to handle execution, freeing up human experts to focus on what they do best: strategy.We are here at eTail Palm Springs, and to help me discuss this topic, I'd like to welcome, Himanshu Jain, Co-Founder and Head of Product, and Bill Schneider, VP Product Marketing at CommerceIQ. About Himanshu Jain Himanshu Jain is the Cofounder and Head of Product at CommerceIQ, a Series D agentic AI company based in the Bay Area. CommerceIQ is a leader in retail technology, having raised $200M from SoftBank and Insights Partners, and serving 10 of the top 12 CPG brands globally. He builds vertical AI and autonomous agent platforms that help the world's largest consumer brands win across ecommerce and omnichannel retail. Over the past decade, he has repeatedly taken AI products from zero to product–market fit, scaling them into multi-million-dollar businesses across retail media, pricing, supply chain, and digital shelf. With deep roots in machine learning, SaaS and enterprise strategy, he operates at the intersection of advanced AI systems and measurable commercial impact. Himanshu Jain on LinkedIn: https://www.linkedin.com/in/bill-schneider-b32a6a/About Bill SchneiderBill has 20+ years of experience in product marketing and communication roles building and leading product marketing and external communications . In addition to his deep knowledge of the product marketing role, Bill has has a wealth of experience working for SaaS growth companies in analytics, mobile engagement, shopper marketing, and identity verification.Bill Schneider on LinkedIn: https://www.linkedin.com/in/bill-schneider-b32a6a/ Resources CommerceIQ: www.commerceiq.ai The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://aglbrnd.co/r/2868abd8085a9703 Take your personal data back with Incogni! Use code AGILE at the link below and get 60% off an annual plan: https://aglbrnd.co/r/c43e68ce5cfb321e Drive your customers to new horizons at the premier retail event of the year for Retail and Brand marketers. Learn more at CRMC 2026, June 1-3. https://aglbrnd.co/r/d15ec37a537c0d74 Enjoyed the show? Tell us more at and give us a rating so others can find the show at: https://aglbrnd.co/r/faaed112fc9887f3 Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://aglbrnd.co/r/35ded3ccfb6716ba Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company Hosted on Acast. See acast.com/privacy for more information.
What if the biggest bottleneck in your commerce strategy isn't the strategy itself, but the time it takes your team to actually perform the actions to execute it?Agility requires not just having the right insights, but also the operational capacity to act on them at the speed the market demands.Today, we're going to talk about a critical bottleneck many brands face: the delay between data-driven insight and real-world execution. Commerce teams are often drowning in data but struggle with the manual, time-consuming work of implementing changes, whether it's updating product pages or optimizing media spend. This has led to a major shift, where brands are looking beyond traditional agency models and toward a new paradigm of 'agentic AI'—using automated agents to handle execution, freeing up human experts to focus on what they do best: strategy.We are here at eTail Palm Springs, and to help me discuss this topic, I'd like to welcome, Himanshu Jain, Co-Founder and Head of Product, and Bill Schneider, VP Product Marketing at CommerceIQ. About Bill Schneider and Himanshu Jain Himanshu Jain is the Cofounder and Head of Product at CommerceIQ, a Series D agentic AI company based in the Bay Area. CommerceIQ is a leader in retail technology, having raised $200M from SoftBank and Insights Partners, and serving 10 of the top 12 CPG brands globally. He builds vertical AI and autonomous agent platforms that help the world's largest consumer brands win across ecommerce and omnichannel retail. Over the past decade, he has repeatedly taken AI products from zero to product–market fit, scaling them into multi-million-dollar businesses across retail media, pricing, supply chain, and digital shelf. With deep roots in machine learning, SaaS and enterprise strategy, he operates at the intersection of advanced AI systems and measurable commercial impact. Himanshu Jain is the Cofounder and Head of Product at CommerceIQ, a Series D agentic AI company based in the Bay Area. CommerceIQ is a leader in retail technology, having raised $200M from SoftBank and Insights Partners, and serving 10 of the top 12 CPG brands globally. He builds vertical AI and autonomous agent platforms that help the world's largest consumer brands win across ecommerce and omnichannel retail. Over the past decade, he has repeatedly taken AI products from zero to product–market fit, scaling them into multi-million-dollar businesses across retail media, pricing, supply chain, and digital shelf. With deep roots in machine learning, SaaS and enterprise strategy, he operates at the intersection of advanced AI systems and measurable commercial impact. Bill Schneider and Himanshu Jain on LinkedIn: https://www.linkedin.com/in/bill-schneider-b32a6a/ Resources CommerceIQ: www.commerceiq.ai The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://aglbrnd.co/r/2868abd8085a9703 Drive your customers to new horizons at the premier retail event of the year for Retail and Brand marketers. Learn more at CRMC 2026, June 1-3. https://aglbrnd.co/r/d15ec37a537c0d74 Enjoyed the show? Tell us more at and give us a rating so others can find the show at: https://aglbrnd.co/r/faaed112fc9887f3 Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://aglbrnd.co/r/35ded3ccfb6716ba Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company
Have you ever tried delaying a drink only to feel your desire get stronger? Instead of watching the urge fade, you find yourself staring at the clock, counting down the minutes, convinced you'll drink the second the timer goes off. If that's happened to you, it doesn't mean the delay failed. It means something important just surfaced. Listen in this week to hear why delaying a drink can sometimes intensify the urge and why that's actually good news. You'll also learn how to move beyond surface-level desire, and how to use delay to reveal the deeper pattern underneath. Find a personalized approach that helps you change your habit in my new book, The Ultimate Guide to Drinking Less, here: https://rachelhart.com/guide/ Discover alternative approaches to drinking less inside our membership program, Take a Break: https://rachelhart.com/tab/ Get the full show notes, transcript, and more information here: https://rachelhart.com/458
Tyler Robinson's Defense Team was in court Tuesday with a bold strategy: They wanted to disqualify the entire Utah prosecutor team over an alleged conflict of interest. Andrew and Blake run through the most important video from the four-hour hearing, which offers a look at what evidence prosecutors have and how the defense will try to undermine it. Sen. Tommy Tuberville pushes the crucial SAVE Act and the team reacts to Tom Homan's announcement about ICE's Minnesota mission. Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.
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