Podcasts about fdic

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3614: Emily Guy Birken explains how simple organizational systems can reduce everyday expenses and stress. From creating a consistent laundry routine and maintaining a snack-ready pantry to managing paperwork with an effective filing system, these practical habits help prevent wasted money, eliminate late fees, and make daily life run more smoothly. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "Getting organized may seem like it requires discipline, but in fact the opposite is true. Once you put habits in place and make them automatic, you don't even have to think about organization." "The trick to organizing paperwork is having a simple system." "Making the change in habits is a slow process, but even tackling one bad organizational habit will make a big difference, both in your stress level and in your finances." Episode references: Getting Things Done: The Art of Stress-Free Productivity: https://gettingthingsdone.com/what-is-gtd/ FlyLady: https://www.flylady.net Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Business Idea Database: https://clickhubspot.com/ecat Episode 837: Sam Parr ( https://x.com/theSamParr ) and Shaan Puri ( https://x.com/ShaanVP ) bring in 3 founders with weird businesses making $10M, $20M, and $30M.  — Show Notes: (0:00) Intro (3:32) Alex Daniels, $10M junk mail magazine (20:31) Josh Weissenstein, $20M camp ground business (38:36) The $1.8B App Copying Politicians & Hedge Funds — Links: • Haven Lifestyles - https://www.havenlifestyles.com/  • Team Outsider - https://www.teamoutsider.com/  • Autopilot - https://www.joinautopilot.com/  — Check Out Sam's Stuff: • Hampton (joinhampton.com): My community for founders. Average member does $25m/year. Many of the guests are members. Get after it...apply: http://joinhampton.com/mfm — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com  • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Shaan uses Mercury for banking across all of his companies. you can too: http://mercury.com/  Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano /

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3613: Emily Guy Birken explains how building simple organizational habits can reduce waste, prevent unnecessary spending, and make everyday life run more smoothly. From meal planning to maintaining a shared family calendar, she shows how a little preparation can help you save money on groceries, gifts, home maintenance, and more. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "The solution to the food wasting problem is meal-planning." "All that matters is that all events are posted in the same place and that everyone in the family has access to it." "Planning out your meals in advance (or even just your dinners) forces you to think about what ingredients you have at home, allows you to only shop for the ingredients you need, rather than going on a grocery binge, and makes you plan out your week with the difficult days in mind." Episode references: Toys“R”Us: https://www.toysrus.com/ Container Store: https://www.containerstore.com/ Saving Dinner: https://savingdinner.com/ Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3612: Jeff Rose explains practical steps for gaining control of debt by creating a realistic budget, tracking income and expenses, and identifying true disposable income. He also shows how cutting unnecessary spending and using extra cash to make debt overpayments can help reduce debt faster and lower overall interest costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/simple-ways-to-improve-your-debt-management-skills/ Quotes to ponder: "Budgeting is about knowing how your finances work and controlling what you do with your money, in other words, not letting your money control you!" "Your disposable income is essentially the amount you have left on a monthly basis to pay towards your non-priority debts and, if you have any spare after doing this, to save and to spend on non-essential goods/services." "Overpaying your debts can be an excellent way to improve your debt management skills." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3610: Rosalyn Palmer explores how what we commonly experience as anger is often a protective response masking deeper emotions such as hurt, fear, frustration, or feeling disrespected. By learning to identify these underlying triggers and challenge initial assumptions, listeners can gain greater emotional awareness, respond more thoughtfully to difficult situations, and break long-standing reactive patterns. Read along with the original article(s) here: https://rosalynpalmer.com/getting-to-the-root-of-your-anger/ Quotes to ponder: "Another way to gain clarity in any situation where you become angry is to ask yourself: “What is it in me that becomes angry at this person/situation?” and also “What is it about this person/situation that makes me angry?”." "Self-evidently it is a good idea to remove yourself as much as possible from trigger people and situations but this may not always be entirely possible as we live in families and communities and work with others." "As you will know, we are hardwired to avoid such situations and our bodies can easily kick into flight or flight mode." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3611: Kalen Bruce explains why financial success isn't just about eliminating small expenses or focusing only on major financial decisions. He argues that true conscious spending comes from understanding where every dollar goes, using budgeting and spending awareness to align daily choices with long-term financial goals. Read along with the original article(s) here: https://freedomsprout.com/conscious-spending/ Quotes to ponder: "Look, it's easy to want the best of everything: We want to go out all the time, live in a great apartment, buy new clothes, drive a new car, and travel any time we want. The truth is, you have to prioritize." "We need our kids to understand that our finances aren't determined only by big wins or only by small buys. Our financial future is based on every single choice we make." "As ugly of a word as it is, a budget is the key to conscious spending." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3609: Darrow Kirkpatrick explores the complex question of how much wealth parents should leave to their children, weighing the benefits of financial security against the risks of entitlement and diminished purpose. He argues that thoughtful legacy planning, open family communication, and strategic giving during life can create a healthier balance between supporting future generations and preserving meaningful, independent lives. Read along with the original article(s) here: https://www.caniretireyet.com/how-much-should-you-leave-to-your-kids/ Quotes to ponder: "23% of pre-retirees would ideally like to spend all of their savings and let their children fend for themselves. In contrast, a mere 9% say they want to save as much money as possible to pass on to the next generation." "Many people feel an obligation to preserve and pass on at least the principal they've inherited to future generations, rather than consuming it themselves." "The sense of entitlement that comes from unearned wealth can stunt growth, subvert meaning, and contribute to depression and destructive behavior." Episode references: The Giving Pledge: https://givingpledge.org MarketWatch: https://www.marketwatch.com Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3608: Amanda Brownlow shares practical strategies for completing a successful no-spend month without feeling deprived, from planning ahead for special occasions to finding free local activities and reconnecting with old hobbies. Her approach shows how reducing discretionary spending can strengthen finances, encourage creativity, and create more meaningful ways to spend time with family and friends. Read along with the original article(s) here: https://hellobrownlow.com/2018/06/04/5-tips-to-have-a-successful-no-spend-month/ Quotes to ponder: "Before you head into your no-spend month, double check your calendar and see what you have going on." "Getting outside allows you to detox from your phone, TV, and computer and lets your mind wonder." "Shopping and going out takes up a lot of time. That is time that could be doing stuff that you used to love." Episode references: Cards Against Humanity: https://www.cardsagainsthumanity.com/ Small World: https://www.daysofwonder.com/smallworld/ Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Liz Ann Sonders sits down with Keith McCullough, founder of Hedgeye, to revisit his “quads” framework—a model that categorizes market environments based on the direction of economic growth and inflation. McCullough emphasizes process over prediction, arguing that investors should focus on the momentum of these variables to adapt to rapidly shifting market conditions. The conversation explores a volatile macro backdrop marked by geopolitical shocks, leadership changes at the Fed, and evolving market structure. McCullough explains how increased instability has accelerated market cycles, requiring a more nimble, data-driven approach. He outlines his view that inflation likely peaked and is set to decelerate, setting up a shift toward disinflation, and potentially slower growth, over the coming quarters. They also discuss implications for asset allocation, including declining bond yields globally, a rotation away from mega-cap dominance, and opportunities in under-owned, rate-sensitive sectors like housing and real estate. McCullough highlights growing risks tied to market concentration, new equity supply (including major IPOs), and speculative activity, while stressing the importance of disciplined, rules-based investing. The episode concludes with a discussion of investor behavior, with McCullough urging listeners to detach from narratives and emotions, and instead rely on process, data, and adaptability in an increasingly fast-moving market environment. Finally, Collin and Liz Ann look ahead to next week's upcoming macroeconomic indicators and key data releases.  To keep up with Keith McCullough, you can follow him on X: @KeithMcCullough On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting.  If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. Investors in ETFs should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus via 1-800-435-4000.  Please read the prospectus carefully before investing. This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal.  Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets. Currencies are speculative, very volatile and not suitable for all investors. Investing in cryptocurrencies involves risk, including the risk of total loss of principal invested. Cryptocurrencies such as bitcoin and ethereum are highly volatile, are not backed or guaranteed by the bank, any central bank or government; are not deposits; are not FDIC insured; are not SIPC protected; and lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have.  Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.  All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. Schwab does not recommend the use of technical analysis as a sole means of investment research. Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction.  The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions  The book Diary of a Hedge Fund Manager is not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Schwab has not reviewed the book and makes no representations about its content. The PHLX Semiconductor Sector Index (SOX) is a capitalization-weighted index composed of 30 semiconductor companies. (0626-2U7S) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3607: Sara Stanizai explores how anxiety can drive compulsive purchasing behaviors as a way to temporarily escape stress, uncertainty, and emotional discomfort. She explains the connection between anxiety and financial habits while offering practical strategies such as mindfulness, journaling, therapy, budgeting, exercise, and gratitude to help build healthier coping mechanisms and greater emotional resilience. Read along with the original article(s) here: https://www.prospecttherapy.com/blog/2023/12/1/ky0iiakglgb3uj9id5szt1vwa7ics1-wgbhf-c68kj Quotes to ponder: "Doom spending is a term used to describe the pattern of compulsive or impulsive buying driven by feelings of anxiety, stress, or a sense of impending doom." "The act of purchasing items might provide a brief distraction or a momentary sense of control, but it doesn't address the root cause of anxiety." "Breaking the doom spending cycle is a journey that requires self-awareness, commitment, and resilience." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

*20+ hours of investing wisdom:* https://clickhubspot.com/cbah Episode 836: Sam Parr ( https://x.com/theSamParr ) and Shaan Puri ( https://x.com/ShaanVP ) talk about people who have turned their lifestyles into millions, plus Nick Sleep's investing genius.  — Show Notes: (0:00) fringe creators (13:14) Nick Sleep's shared economies of scale (24:41) lloyd blanfein's personal finances (31:14) David Rubenstein, the man (39:09) Nat Turner's crazy new business (50:13) a brief masterclass in valuing denim — Check Out Sam's Stuff: • Hampton (joinhampton.com): My community for founders. Average member does $25m/year. Many of the guests are members. Get after it...apply: http://joinhampton.com/mfm — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com  • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Shaan uses Mercury for banking across all of his companies. you can too: http://mercury.com/  Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano /

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3606: Dori Cameron challenges five common mental shortcuts that make unnecessary purchases feel justified, from assuming you can return an item to believing it can always be stored, repaired, donated, or resold later. By exposing the hidden costs in time, money, and effort behind these rationalizations, she offers a practical framework for making more intentional buying decisions and reducing clutter before it starts. Read along with the original article(s) here: https://www.becomingminimalist.com/myths-that-cause-overspending/ Quotes to ponder: "If you are thinking “I can always return it,” the item may not be something worth purchasing in the first place." "A rule of thumb when making a purchase is to assume it has no resale value." "When you are in buying mode, ask yourself where in your house the object will likely be a year from now." Episode references: eBay: https://www.ebay.com Craigslist: https://www.craigslist.org Poshmark: https://poshmark.com Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris’s Summary Jim and I examine an Annuity Collapse involving PHL Variable Insurance Company, a $99,000 annuity, private equity ownership, state guarantee funds, and the limits of what the article explains. We separate fixed annuities, variable annuities, general accounts, separate accounts, insurer insolvency risk, market risk, and rating history, while noting why the missing annuity details matter. Jim’s “Pithy” Summary Chris and I dig into Annuity Collapse coverage that had a lot of listeners understandably worked up, but also left out some details that matter. The headline says a woman paid $99,000 to generate retirement income for life and then the insurance company collapsed. That gets attention. It should. But before everyone runs around saying annuities are terrible and insurance companies should all be burned at the stake, we have to slow down and ask what she actually owned, because the article never clearly says whether this was fixed, variable, in payout, deferred, in the general account, or in a separate account. That distinction matters. If this was a variable annuity held in separate accounts, those assets may not be part of the insurance company's bankruptcy estate, though market losses and access problems may still be real issues while the company is in rehabilitation or liquidation. If it was a fixed annuity or money sitting in the general account, state guarantee funds can matter, but they are not FDIC insurance, and they do not move in a few days. They can take a really long time, and the limits vary by state and product type. The larger issue is not that this woman did something wrong. I do not fault her. I fault the agent, the regulators, and the private equity games that Tom Gober has been warning about for years. PHL had weak ratings for a long time, and if it begins with a B, I think it is bad. We also talk about using AI to research insurer ratings, downgrades, ownership history, and state guarantee protections, especially before using an annuity for a lifetime income stream connected to a Minimum Dignity Floor. Link to the article: https://www.nbcnews.com/news/us-news/paid-insurance-company-99000-generate-retirement-income-life-collapsed-rcna331934 The post Annuity Collapse: EDU #2625 appeared first on The Retirement and IRA Show.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3605: James Altucher shares hard-earned lessons on handling sudden wealth without sabotaging it through impulsive decisions, bad investments, or strained relationships. His practical rules focus on patience, risk management, health, and long-term thinking, offering a roadmap for turning a windfall into lasting financial security. Read along with the original article(s) here: https://jamesaltucher.com/blog/what-do-you-do-after-you-make-a-zillion-dollars/ Quotes to ponder: "Don't change your lifestyle at all for at least one year." "Put it in a savings account for one year at least. Or under your mattress. No stocks. No paintings. No private investments." "Once you make money, everyone will approach you about new investments you can make. Or people will want to borrow money from you." Episode references: Aspen Snowmass: https://www.aspensnowmass.com/ Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, I'm tackling a question that's on the minds of many investors: How safe is your money with major brokerage firms like Fidelity and Charles Schwab? In light of recent high-profile bank collapses and widespread concerns about financial security, I discuss how banks and brokerage firms operate differently, what protections exist for your investments, and what would happen if a major brokerage firm were to collapse. Whether you're considering how best to safeguard your assets or wondering about the real risks of brokerage failures, this episode will provide the clarity and peace of mind you need for your retirement planning.   You will want to hear this episode if you are interested in... 00:00 Bank failures and investor concerns 05:58 Protecting your money in banks 09:18 Discussing investment safeguards 12:08 Brokerage account safety reassurance 13:08 Should you consolidate your broker accounts?   Why Investors Worry   It's natural for investors to worry about the safety of their money, especially after the events of 2023, when several banks—Silicon Valley Bank, Signature Bank, First Republic Bank, and Citizens Bank—collapsed, shaking public confidence in U.S. financial institutions. Even rumors and social media speculation about potential trouble at a major brokerage like Schwab can fuel anxiety among clients and investors.   How Banks Actually Work: Your Money Becomes the Bank's Money When you deposit money in a bank, you're essentially lending money to that institution. The bank can then use those deposits to fund loans, mortgages, and other investments. This works well—until poor investments or insufficient collateral put depositor money at risk, which is exactly what happened with Silicon Valley Bank following its risky bets on long-term treasuries. If a bank collapses, customers may lose deposits above the FDIC insurance limit, which is $250,000 per account owner. Brokerage Accounts: A Different—and Safer—Model Brokerage firms like Charles Schwab and Fidelity operate under a different structure that provides a stronger layer of legal protection for client assets. Here's the key distinction: The assets in your brokerage account—stocks, bonds, mutual funds—are not the brokerage firm's property. They are held in custody, separate from company assets, and protected by a legal firewall. If Schwab or Fidelity collapsed, only the company's assets—like buildings and offices—would be at risk, not the assets in client brokerage accounts. Those client assets are held in separate custodial accounts and cannot be used to pay the firm's creditors. It's a little like using a storage facility: you lock up your investments, and nobody (including the brokerage firm) can access those contents for its own purposes.   What Happens During a Brokerage Collapse? If a major brokerage like Schwab were to fail, the Securities Investor Protection Corporation (SIPC) would step in. SIPC protection covers up to $500,000 per customer, including up to $250,000 in cash. However, most brokerages, including Schwab and Fidelity, carry additional insurance beyond SIPC requirements. The SIPC acts much like a disaster relief agency: it verifies customer assets, ensures funds have not been misappropriated, and arranges to transfer accounts to another brokerage within days. The customer receives uninterrupted access to all their investments and holdings at the new firm.   Your Money Is Safer Than You Think The legal and operational structure of brokerage firms offers significant protection. Even in the unlikely event of a collapse, your investments would transfer intact to another brokerage. The only real risk would be investment market performance—not insolvency of the brokerage firm. It's even unnecessary to split your assets between brokerages purely out of safety concerns—it might simply make your finances harder to manage. Investor protections for brokerage accounts are robust. With legal safeguards, insurance protection, and established practices for handling firm failures, you can rest assured that your assets at firms like Schwab and Fidelity are secure—even in a worst-case scenario.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Securities Investor Protection Corporation (SIPC) Federal Deposit Insurance Corporation (FDIC) Fidelity Charles Schwab   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3605: James Altucher shares hard-earned lessons on handling sudden wealth without sabotaging it through impulsive decisions, bad investments, or strained relationships. His practical rules focus on patience, risk management, health, and long-term thinking, offering a roadmap for turning a windfall into lasting financial security. Read along with the original article(s) here: https://jamesaltucher.com/blog/what-do-you-do-after-you-make-a-zillion-dollars/ Quotes to ponder: "Don't change your lifestyle at all for at least one year." "Put it in a savings account for one year at least. Or under your mattress. No stocks. No paintings. No private investments." "Once you make money, everyone will approach you about new investments you can make. Or people will want to borrow money from you." Episode references: Aspen Snowmass: https://www.aspensnowmass.com/ Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Commodity Futures Trading Commission opened a review of rules that may hinder fintech partnerships with futures commission merchants, swap dealers, exchanges, and clearinghouses. The review is expected to focus on outsourcing, vendor due diligence, regulator access to records, cybersecurity testing, and data retention under Regulation 1.31. Chairman Rostin Behnam and Commissioners Caroline D. Pham, Christy Goldsmith Romero, Summer K. Mersinger, and Kristin N. Johnson have emphasized modernization and risk management. Parallel actions by the Federal Reserve, FDIC, OCC, and the SEC have increased scrutiny of third-party providers. Derivatives firms rely on vendors for surveillance, analytics, and cloud services from companies such as Eventus, NICE Actimize, Chainalysis, and major cloud providers. Founders can prepare by mapping control responsibilities, aligning to SOC 2 and ISO 27001, and demonstrating compliant data retention and auditability.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3604: Richard Close explains that the smartest way to lower your tax bill is not by breaking the rules, but by understanding them. By looking closely at legitimate deductions and credits that many people overlook, taxpayers can potentially save money while avoiding the costly consequences of tax fraud. Read along with the original article(s) here: https://www.getrichslowly.org/how-to-cheat-on-your-taxes-legally/ Quotes to ponder: "Never cheat on your taxes. The risks far outweigh the rewards." "Be creative, but work within the law. You just might save some money this year on your tax filings." "You may be surprised by how greatly you can benefit from being a legal tax cheat." Episode references: Internal Revenue Service (IRS): https://www.irs.gov Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3604: Richard Close explains that the smartest way to lower your tax bill is not by breaking the rules, but by understanding them. By looking closely at legitimate deductions and credits that many people overlook, taxpayers can potentially save money while avoiding the costly consequences of tax fraud. Read along with the original article(s) here: https://www.getrichslowly.org/how-to-cheat-on-your-taxes-legally/ Quotes to ponder: "Never cheat on your taxes. The risks far outweigh the rewards." "Be creative, but work within the law. You just might save some money this year on your tax filings." "You may be surprised by how greatly you can benefit from being a legal tax cheat." Episode references: Internal Revenue Service (IRS): https://www.irs.gov Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3604: Richard Close explains that the smartest way to lower your tax bill is not by breaking the rules, but by understanding them. By looking closely at legitimate deductions and credits that many people overlook, taxpayers can potentially save money while avoiding the costly consequences of tax fraud. Read along with the original article(s) here: https://www.getrichslowly.org/how-to-cheat-on-your-taxes-legally/ Quotes to ponder: "Never cheat on your taxes. The risks far outweigh the rewards." "Be creative, but work within the law. You just might save some money this year on your tax filings." "You may be surprised by how greatly you can benefit from being a legal tax cheat." Episode references: Internal Revenue Service (IRS): https://www.irs.gov Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3603: Jen Hayes reflects on the financial principles that transformed her own life, sharing how adopting key habits around debt, budgeting, and investing helped her pay off significant debt and build a stronger financial future. Her practical take on Dave Ramsey's core ideas offers listeners actionable ways to gain more freedom and control over their money. Read along with the original article(s) here: https://www.jenhayes.me/5-crucial-ways-dave-ramsey-is-right-about-money/ Quotes to ponder: "You know what you can do when you don't have debt payments? Anything you want!" "Debt is debt. Period." "Live like no one else now so you can live like no one else later." Episode references: The Total Money Makeover: https://www.ramseysolutions.com/store/books/the-total-money-makeover-by-dave-ramsey Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3602: Ross Enamait explains that the discomfort of real growth never disappears—it simply grows alongside your ability to push yourself. By accepting that hard work is meant to be hard, you can stop chasing the illusion that success should feel easy and instead focus on the satisfaction that comes from continual improvement. Read along with the original article(s) here: http://rosstraining.com/blog/2016/09/it-never-gets-easier/ Quotes to ponder: “When you give everything you have, it doesn't matter what you started with. You still have nothing left when you're finished.” “Hard work will always be hard. Don't be turned off by this simple truth. Instead, you should learn to embrace it.” “Training to become the best isn't supposed to be easy or enjoyable. The joy comes after the fact.” Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3602: Ross Enamait explains that the discomfort of real growth never disappears—it simply grows alongside your ability to push yourself. By accepting that hard work is meant to be hard, you can stop chasing the illusion that success should feel easy and instead focus on the satisfaction that comes from continual improvement. Read along with the original article(s) here: http://rosstraining.com/blog/2016/09/it-never-gets-easier/ Quotes to ponder: “When you give everything you have, it doesn't matter what you started with. You still have nothing left when you're finished.” “Hard work will always be hard. Don't be turned off by this simple truth. Instead, you should learn to embrace it.” “Training to become the best isn't supposed to be easy or enjoyable. The joy comes after the fact.” Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3603: Jen Hayes reflects on the financial principles that transformed her own life, sharing how adopting key habits around debt, budgeting, and investing helped her pay off significant debt and build a stronger financial future. Her practical take on Dave Ramsey's core ideas offers listeners actionable ways to gain more freedom and control over their money. Read along with the original article(s) here: https://www.jenhayes.me/5-crucial-ways-dave-ramsey-is-right-about-money/ Quotes to ponder: "You know what you can do when you don't have debt payments? Anything you want!" "Debt is debt. Period." "Live like no one else now so you can live like no one else later." Episode references: The Total Money Makeover: https://www.ramseysolutions.com/store/books/the-total-money-makeover-by-dave-ramsey Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3601: Nick Maggiulli explores four additional ways to build wealth through dividend income, rental properties, business ownership, and royalties, weighing the trade-offs between stability, scalability, and effort. He also argues that building one strong income stream can matter more than collecting many small ones, making it easier to choose opportunities that fit your personality and lifestyle. Read along with the original article(s) here: https://ofdollarsanddata.com/7-streams-of-income/ Quotes to ponder: "By focusing on building a strong foundation, you can then leverage this income to build other income streams when the time is right." "Regardless of what you decide to do, finding the right income streams for your lifestyle and personality is far more important than having more of them." "Dividend income can be useful for those who want another passive stream of income." Episode references: S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ Vanguard High Dividend Yield ETF (VYM): https://investor.vanguard.com/investment-products/etfs/profile/vym Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3601: Nick Maggiulli explores four additional ways to build wealth through dividend income, rental properties, business ownership, and royalties, weighing the trade-offs between stability, scalability, and effort. He also argues that building one strong income stream can matter more than collecting many small ones, making it easier to choose opportunities that fit your personality and lifestyle. Read along with the original article(s) here: https://ofdollarsanddata.com/7-streams-of-income/ Quotes to ponder: "By focusing on building a strong foundation, you can then leverage this income to build other income streams when the time is right." "Regardless of what you decide to do, finding the right income streams for your lifestyle and personality is far more important than having more of them." "Dividend income can be useful for those who want another passive stream of income." Episode references: S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ Vanguard High Dividend Yield ETF (VYM): https://investor.vanguard.com/investment-products/etfs/profile/vym Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3600: Nick Maggiulli explores how building multiple streams of income can strengthen your financial future and reduce dependence on a single paycheck. He breaks down the advantages and tradeoffs of earned income, capital gains, and interest income, showing how each can play a role in creating long-term wealth. Read along with the original article(s) here: https://ofdollarsanddata.com/7-streams-of-income/ Quotes to ponder: "Earned income is the money you get in exchange for the time and effort that you put into your job." "Though saving money to invest can be hard, generating capital gains after you've invested your money is a form of truly passive income that can help you build wealth." "Overall, interest income can be a useful stream of income to supplement your other income sources as you continue to build your wealth." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailBrooke Taylor, author of Healing the Success Wound, joins Joe to explore the hidden pain that comes from mistaking achievement, productivity, and success for self-worth.This episode examines the “success wound,” the belief that our worth is tied to what we produce, accomplish, or achieve rather than who we are. Brooke shares her own story of growing up in Silicon Valley, chasing gold stars, working at Google, and realizing that external success could not fill the emptiness underneath. What looked impressive on the outside was, internally, driven by a deep need for approval, validation, and belonging.Brooke explains how high achievers often become trapped in a cycle of striving, proving, pleasing, hiding, or numbing. They keep reaching the next promotion, assignment, title, or milestone, only to find that the satisfaction never lasts. Over time, that pattern can lead to burnout, anxiety, substance abuse, chronic stress, and a distorted sense of identity.Joe and Brooke also discuss:Why achievement can become a substitute for self-worthThe difference between self-confidence and self-worthWhy many high performers are only as good as their last piece of feedbackThe five success wound archetypes: the grinder, the hider, the pleaser, the seeker, and the work-hard-play-hardHow military leaders can confuse identity with rank, role, branch, or assignmentWhy values are essential for making better career and life decisionsHow aligned ambition allows leaders to pursue meaningful work without being driven by fear, scarcity, or the need to prove themselvesThis episode is for anyone who has achieved the thing they thought would finally make them feel whole, only to realize the finish line moved again. It is also for leaders, professionals, parents, and high performers who want to understand what is driving their ambition, how to separate their worth from their work, and how to build a life and career from a place of alignment instead of anxiety.Watch the entire interview on YouTubeA special thanks to this week's sponsors!Dunedain Systems is a veteran-founded defense technology company building Warmind, an AI platform that accelerates military planning, operations, and document generation. Warmind connects to your unit's data and learns how your warfighting function operates, delivering outputs tailored to your SOPs and operational context rather than generic AI responses. Whether your team is building OPORDs, running intel workflows, or generating CONOPs, Warmind handles the heavy lift so your staff can focus on decisions, not paperwork. Built by combat veterans who lived the problem firsthand, Warmind is already in use across SOCOM and the broader DoD. The beta is free for anyone with a .mil or .edu email at dunedainsystems.com.Veteran-founded Adyton. Step into the next generation of equipment management with Log-E by Adyton. Whether you are doing monthly inventories or preparing for deployment, Log-E is your pocket property book, giving real-time visibility into equipment status and mission readiness. Learn more about how Log-E can revolutionize your property tracking process here!Meet ROGER Bank—a modern, digital bank built for military members, by military members. With early payday, no fees, high-yield accounts, and real support, it's banking that gets you. Funds are FDIC insured through Citizens Bank of Edmond, so you can bank with confidence and peace of mind. 

Strategy's recent sale of 32 Bitcoin came with unusual framing: Michael Saylor said the purpose was to "inoculate the markets." Glenn Cameron, Global Head of Institutional at Onramp Bitcoin, reads that word as preparation for larger Bitcoin sales ahead, walks through the STRC prospectus and the pressure points (Strategy now trading at 84% of NAV, the cash reserve cut to roughly seven months after redeeming a 0% convertible note, the board-suspendable dividend), and lands on the sharpest argument: 83% of STRC holders are retail investors sold a product marketed as "a high yield bank account" that's structurally junior equity on a volatile Bitcoin company.---

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3600: Nick Maggiulli explores how building multiple streams of income can strengthen your financial future and reduce dependence on a single paycheck. He breaks down the advantages and tradeoffs of earned income, capital gains, and interest income, showing how each can play a role in creating long-term wealth. Read along with the original article(s) here: https://ofdollarsanddata.com/7-streams-of-income/ Quotes to ponder: "Earned income is the money you get in exchange for the time and effort that you put into your job." "Though saving money to invest can be hard, generating capital gains after you've invested your money is a form of truly passive income that can help you build wealth." "Overall, interest income can be a useful stream of income to supplement your other income sources as you continue to build your wealth." Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

*Sam's guide to run your life like a $100M business:* https://clickhubspot.com/dfbn Episode 835: Sam Parr ( https://x.com/theSamParr ) and Shaan Puri ( https://x.com/ShaanVP ) talk about people who have turned their lifestyles into a business. — Show Notes: (0:00) escape aesthetics (4:06) putting the life in lifestyle (17:28) Law 25: Recreate Yourself (20:20) Your word is your wand (25:06) unclear words, unclear thinking (27:24) America amazes world cup tourists (33:43) the game of more (49:07) no hedging — Links: • Your Word Is Your Wand - https://a.co/d/05683tU7  • The 48 Laws of Power - https://a.co/d/0ghzjpKk  — Check Out Sam's Stuff: • Hampton (joinhampton.com): My community for founders. Average member does $25m/year. Many of the guests are members. Get after it...apply: http://joinhampton.com/mfm — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com  • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Shaan uses Mercury for banking across all of his companies. you can too: http://mercury.com/  Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano /

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3599: Andrew argues that building wealth depends less on income and more on developing the right mindset through disciplined choices, emotional control, persistence, and continuous learning. He shows how small daily decisions compound over time and explains why resilience and financial education can create lasting success. Read along with the original article(s) here: https://www.dollarafterdollar.com/7-mentally-strong-financial-traits/ Quotes to ponder: "Realize that the decision you make today, can have a huge impact on tomorrow." "Those with a strong mentality know this, and use their failures as learning experiences." "Knowledge is the fuel for a successful financial mentality." Episode references: Yahoo: https://www.britannica.com/topic/Yahoo-Inc Rich Habits: https://www.amazon.com/Rich-Habits-Success-Habits-Wealthy/dp/1934938939 Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Um lugar pro seu dinheiro e um nome pra sua rua No primeiro ato: uma corrida aos bancos e uma corrida de avestruzes se encontram. Por Carolina Moraes. No segundo ato: a batalha entre a esperança, a paz, e a amizade nas ruas da Maré. Por Mariana Filgueiras. Membros do Clube da Novelo podem ouvir os episódios do Rádio Novelo Apresenta antecipadamente, além de ter acesso a uma newsletter especial e a eventos com a nossa equipe. Quem assinar o plano anual ganha de brinde uma bolsa da Novelo. Assine em ⁠⁠⁠https://clube.radionovelo.com.br/ Inscreva-se no canal da Rádio Novelo no YouTube: https://www.youtube.com/@RádioNovelo Siga a Rádio Novelo no Instagram: https://www.instagram.com/radionovelo/-- Esqueça o cartão de crédito: com a Wise, você paga em mais de 40 moedas com a taxa de câmbio comercial — a mesma que você vê no Google. Converta e mantenha seu dinheiro na moeda de destino e pague sem se preocupar com cotação ou tarifas. Ah, e você ainda pode sacar em mais de 3 milhões de caixas eletrônicos. Quem sabe vai de Wise. Baixe o app hoje. Toda sexta-feira, a newsletter do The Summer Hunter mergulha nos prazeres e dilemas da vida adulta, sempre por um prisma solar. O desafio de cuidar de pais idosos, estratégias pra equilibrar trabalho e vida pessoal, dicas de como melhorar a comunicação nas relações e a importância de ler por prazer foram alguns dos temas das últimas edições. Assine!  --Os episódios de junho do Rádio Novelo Apresenta são um oferecimento da Airalo, líder mundial em eSIMs. Viaje conectado, sem precisar caçar Wi-Fi ou comprar chip no aeroporto. Baixe o app e tenha internet em mais de 200 destinos, sem taxas surpresa de roaming. Acesse airalo.com e conecte-se.--Insider: tecnologia aplicada à rotina – peças que desamassam no corpo, facilitam a evaporação do suor e seguem confortáveis por horas. Utilize o cupom RADIONOVELO e tenha 15% OFF na 1ª compra e 10% OFF nas próximas – e ainda soma com os descontos do site. ⁠https://creators.insiderstore.com.br/RADIONOVELO--Palavras-chave: Banco Master, Daniel Vorcaro, Avestruz Master, FGC, FDIC, Redes da Maré, ONG, mapeamento comunitário, Beco da Amizade Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3598: Chris explores why he willingly delayed financial freedom to take a year-long mini-retirement and spend more time with his young children while they still want him around. His story offers a thoughtful perspective on balancing long-term wealth with the fleeting opportunities that family life provides. Read along with the original article(s) here: https://www.keepthrifty.com/trade-financial-freedom-mini-retirement/ Quotes to ponder: "Enjoy these moments. They grow up so fast. Before you know it, they'll be all grown up and you'll wonder where the time went." "My kids are more important to me than just about anything in this world, and they aren't going to stay little forever." "Trading twenty-seven months of financial freedom for fourteen months of mini-retirement now seems like a pretty good deal when you put our life situation in context." Episode references: Mr. Money Mustache: https://www.mrmoneymustache.com/ Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Vadim Voss, founder of Next Level DeFi, joins the Breakfast Leadership Show to share how everyday people can put their money to work through decentralized finance without trading, without chart-watching, and without being a tech expert. His mission is to help one million people break free from a banking system that was never built to serve them. What You Will Learn Why a savings account earning 2 to 3 percent is quietly losing you money What liquidity mining is and why it puts you on the "house side" of crypto trading How stablecoins like USDT allow you to earn 20 to 30 percent annually with minimal risk Why DeFi positions can be insured for as little as $30 per month per $10,000 deployed How Vadim's students manage their positions in just 5 to 10 minutes per week Why diversification across real estate, gold, stocks, and DeFi is the smart path forward Key Insights Vadim built Next Level DeFi after losing the majority of a $6 million fortune to unreliable foreign banks. Rather than retreat from finance, he learned decentralized systems inside and out and now teaches total beginners how to become the infrastructure that crypto traders rely on. His students are not speculating on the next hot coin. They are providing liquidity to decentralized exchanges and collecting fees the way Robinhood collects trading fees, except those fees flow back to them. The stablecoin liquidity mining strategy Vadim teaches is designed for people who want consistent, predictable monthly income in U.S. dollars without exposure to volatile assets. Since stablecoins are always pegged to $1, the principal does not fluctuate. Returns in the 20 to 30 percent range significantly outperform any traditional bank product, and the addition of smart contract insurance from platforms like Nexus Mutual makes the position arguably safer than a standard FDIC-insured deposit in terms of the user's control and transparency. Michael and Vadim both reinforce that education is the true entry point. Just as Warren Buffett observed that those who do not learn to make money while they sleep will work until they die, both host and guest emphasize that passive income is not a luxury for the wealthy. It is a learnable skill available to anyone willing to invest the time to understand it. Guest Bio Vadim Voss is the founder of Next Level DeFi, a platform dedicated to helping everyday people generate passive income through decentralized finance. An NYU graduate who built and lost a $6 million fortune through international business ventures across Lithuania, Moscow, and Kyiv, Vadim turned adversity into expertise. With over 14 years of experience in crypto and DeFi, he specializes in teaching total beginners how to deploy capital using liquidity mining strategies on platforms like Uniswap. His mission is to help one million people escape the traditional banking system. Free Resource for Listeners Vadim has put together an exclusive bundle for Breakfast Leadership Show listeners called the DeFi Income Blueprint, available free at: nextleveldefi.com/leadership The bundle includes: A DeFi Income Calculator that forecasts your monthly and annual returns based on your capital and risk appetite The Uniswap Ultimate Playbook, a 27-page step-by-step guide to deploying capital on Uniswap. This is the same playbook provided to Vadim's $3,000 coaching clients. Connect with Vadim Voss Website: nextleveldefi.com Free Bundle: https://nextleveldefi.com/leadership  

Sebastian Mallaby (@scmallaby) is the Paul A. Volcker senior fellow for international economics at the Council on Foreign Relations, a two-time Pulitzer Prize finalist, and the author of six books, including More Money Than God, The Power Law, The Man Who Knew, and The World's Banker. His latest book is The Infinity Machine: Demis Hassabis, DeepMind, and the Quest for Superintelligence.This episode is brought to you by:Eight Sleep Pod Cover 5 sleeping solution for dynamic cooling and heating: EightSleep.com/TimAG1 Pro all-in-one nutritional supplement: DrinkAG1.com/TimWealthfront high-yield cash account: Wealthfront.com/Tim Wealthfront disclaimer: New clients get 3.30% base APY from program banks + additional 0.75% boost for 3 months on your uninvested cash (max $150k balance). Terms and conditions apply. The Cash Account offered by Wealthfront Brokerage LLC (“WFB”) member FINRA/SIPC, not a bank. The base APY as of 1/30/26 is representative, can change, and requires no minimum. Tim Ferriss, a non-client, receives compensation from WFB for advertising and holds a non-controlling equity interest in the corporate parent of WFB, which creates a conflict of interest. Individual experiences and outcomes will differ. Instant withdrawals may be limited by your receiving firm and other factors. Investment advisory services provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, not bank-guaranteed or FDIC-insured, and may lose value.*Timestamps[00:00:00] Start.[00:02:11] The twinkly eyed polymath who became Sebastian's next book.[00:06:55] Picking the next book project the way a great VC picks a startup.[00:09:41] Why God keeps crashing the superintelligence party.[00:11:13] Shane Legg's grainy 2009 prophecy — and the nervous giggle.[00:13:11] Ilya Sutskever burns an effigy.[00:13:54] Demis at 4 a.m., hunting God's algorithm.[00:18:43] Super-abundance, Mad Max, and the China shock lesson.[00:22:39] The kitchen debate with Geoff Hinton that flipped Sebastian.[00:24:06] Why a zero-percent chance of doom is indefensible.[00:24:52] Will Washington seize the labs? The Mythos wake-up call.[00:27:18] Anthropic's bull case, bear case, and a dead parent's letter.[00:33:24] Where Sebastian and Benedict Evans part ways.[00:38:16] Is the SaaS apocalypse overdone? One word: Palantir.[00:39:53] The AI friend you'll never switch.[00:41:56] Does Google win consumer AI by default?[00:44:45] Four cities, eight days: China actually talks safety.[00:47:28] A Cold War non-proliferation playbook for AI.[00:49:45] Did the chip export controls actually work?[00:51:49] Burned doves: why Washington swears China won't talk.[00:54:56] "By 2028, the race is over" — one lab boss' bet.[00:59:11] Inside Hikvision: toddlers, sensors, and US sanctions.[01:01:07] Bill Gurley's Uber bet: venture capital perfected.[01:05:18] Luke Nosek bear-hugs DeepMind into existence.[01:10:52] Thiel's heresy: never invest by committee.[01:11:59] How Founders Fund nearly fumbled the deal of the century.[01:14:30] Selling to Google for $650M: a secret British heist?[01:16:41] The Traitorous Eight, gardening leave, and the UK's to-do list.[01:20:55] Ender's Game: "That's really how I see myself."[01:23:42] Too dumb for Gödel, Escher, Bach? Maybe an LLM can help.[01:25:19] If not Demis or Sam, then Dario.[01:26:04] My royalties cliff — and what dropped in late 2022.[01:27:47] Lila Sciences and the labs that run themselves.[01:31:13] Sebastian's billboard: "Prepare your mind."[01:35:14] The one thing Sebastian will never outsource to AI.[01:40:09] Parting thoughts.For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Get our Investment Guide: https://clickhubspot.com/rgek Episode 834: Sam Parr ( https://x.com/theSamParr ) sits down with former Goldman Sachs CEO Lloyd Blanfein ( https://x.com/lloydblankfein ) to talk about what he does with his money.  — Show Notes:  (0:00) Lloyd on Money, Day Trading, and Feeling “Rich” (3:52) Meeting Elon (5:23) What the worst traders have in common (9:54) Warren Buffett's handshake deal (15:04) Lloyd breaks down his portfolio (20:41) Advice to young investors  (23:09) biggest mistakes (25:54) Anxiety as a superpower (27:54) Family finances (31:35) Scarcity (40:46) The Goldman Obituary Test (43:53) Lessons from history — Links: • Streetwise - https://www.penguinrandomhouse.com/books/780438/streetwise-by-lloyd-blankfein/  — Check Out Sam's Stuff: • Hampton (joinhampton.com): My community for founders. Average member does $25m/year. Many of the guests are members. Get after it...apply: http://joinhampton.com/mfm — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com  • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Shaan uses Mercury for banking across all of his companies. you can too: http://mercury.com/  Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano /

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3597: Christina Browning explains how a high savings rate, combined with long-term investing and compound growth, can dramatically shorten the path to financial independence. By breaking down the 4% Rule with practical examples, she shows how reducing expenses and increasing investments can make retiring in under ten years a realistic goal for some households. Read along with the original article(s) here: https://www.ourrichjourney.com/post/how-to-retire-in-under-ten-years Quotes to ponder: "The key to retiring in less than ten years is all about increasing your savings rates." "Whatever method you choose, the goal should be to increase your savings rate by as much as possible." "The point is that by increasing your savings rate, you are propelling yourself closer to FIRE." Episode references: Financial Independence, Retire Early (FIRE): https://en.wikipedia.org/wiki/FIRE_movement The Trinity Study: https://en.wikipedia.org/wiki/Trinity_study Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Part 2: On 25 February 2026, MMT UK launched with a flagship public event featuring Professor Bill Mitchell, one of the original architects of Modern Monetary Theory, alongside the publication of MMT UK's first policy paper - "A Job Guarantee for the UK". This is the Q&A session from that event. Special thanks to Damian Coldwell for recording and post-production, and Chris Bland for the transcript (see attached PDF in show notes).   Please help sustain this podcast!  Patrons get early access to all episodes and patron-only episodes: https://www.patreon.com/MMTpodcast     Relevant to this episode: "A Counterinflationary Job Guarantee For The United Kingdom", by Patricia Pino, Phil Armstrong and Steve Laughton: https://mmtuk.org/research/job-guarantee/ Join the new MMT UK discord server to connect with others looking to promote MMT and ecological economics in the UK!: https://discord.gg/S3UbxFe4FR  More info on the event here: https://mmtuk.org/news/bill-mitchell-event-feb2026/  Watch a 15-minute introductory film on the Job Guarantee, featuring Patricia Pino, Pavlina Tcherneva, and Daniel Kostzer: https://mmtuk.org/research/job-guarantee/ Patricia's Substack: https://steadystate.patriciapino.com   All our episodes in chronological order: https://www.patreon.com/posts/43111643   All our patron-only episodes: https://www.patreon.com/posts/57542767   LIVE EVENTS! ANTI-AUSTERITY ECONOMICS ONE-DAY WORKSHOPS WITH PROFESSOR STEVEN HAIL IN 2026! Brighton Sat 20 June | Stockholm Sat 27 June | Brussels Sun 28 June All details: https://modernmoneylab.org.au/events/    JOIN PATRICIA'S MMT ACTIVIST NETWORK (MMT UK): https://actionnetwork.org/forms/activist-registration-form   Join the MMT UK Discord server to connect with others looking to promote MMT and ecological economics in the UK!: https://discord.gg/S3UbxFe4FR   MMT: THE MOVIE! "Finding The Money", a documentary by Maren Poitras featuring Stephanie Kelton is now available worldwide to rent or buy: https://findingthemoney.vhx.tv/products/finding-the-money Updates on worldwide screenings of "Finding The Money" can be found here: https://findingmoneyfilm.com/where-to-watch/ To arrange a screening of "Finding The Money", apply here: https://findingmoneyfilm.com/host-a-screening/   STUDY THE ECONOMICS OF SUSTAINABILITY! Details of Modern Money Lab's online graduate, postgraduate and standalone courses in economics are here: https://modernmoneylab.org.au/     For an intro to MMT: Our first three episodes: https://www.patreon.com/posts/41742417 Episode 126 - Dirk Ehnts: How Banks Create Money: https://www.patreon.com/posts/62603318   Quick MMT reads: Warren's Mosler's MMT white paper: http://moslereconomics.com/mmt-white-paper/ Steven Hail's quick MMT explainer: https://theconversation.com/explainer-what-is-modern-monetary-theory-72095 Quick explanation of government debt and deficit: "Some Numbers Are Big. Let Me Help You Get Over It": https://christreilly.com/2020/02/17/some-numbers-are-big-let-me-help-you-get-over-it/     For a short, non-technical, free ebook explaining MMT, download Warren Mosler's "7 Deadly Innocent Frauds Of Economic Policy" here: http://moslereconomics.com/wp-content/powerpoints/7DIF.pdf     Episodes on monetary operations:  Episode 20 - Warren Mosler: The MMT Money Story (part 1): https://www.patreon.com/posts/28004824 Episode 126 - Dirk Ehnts: How Banks Create Money: https://www.patreon.com/posts/62603318 Episode 13 - Steven Hail: Everything You Always Wanted To Know About Banking, But Were Afraid To Ask: https://www.patreon.com/posts/41790887 Episode 43 - Sam Levey: Understanding Endogenous Money: https://www.patreon.com/posts/35073683  Episode 84 - Andrew Berkeley, Richard Tye & Neil Wilson: An Accounting Model Of The UK Exchequer (Part 1): https://www.patreon.com/posts/46352183 Episode 86 - Andrew Berkeley, Richard Tye & Neil Wilson: An Accounting Model Of The UK Exchequer (Part 2): https://www.patreon.com/posts/46865929    For more on Quantitative Easing: Episode 59 - Warren Mosler: What Do Central Banks Do?: https://www.patreon.com/posts/39070023 Episode 143 - Paul Sheard: What Is Quantitative Easing?: https://www.patreon.com/posts/71589989?pr=true    Episodes on inflation: Episode 7: Steven Hail: Inflation, Price Shocks and Other Misunderstandings: https://www.patreon.com/posts/41780508 Episode 65 - Phil Armstrong: Understanding Inflation: https://www.patreon.com/posts/40672678 Episode 104 - John T Harvey: Inflation, Stagflation & Healing The Nation: https://www.patreon.com/posts/52207835 Episode 123 - Warren Mosler: Understanding The Price Level And Inflation: https://www.patreon.com/posts/59856379 Episode 128 - L. Randall Wray & Yeva Nersisyan: What's Causing Accelerating Inflation? Pandemic Or Policy Response?: https://www.patreon.com/posts/63776558   Our Job Guarantee episodes:  Episode 4 - Fadhel Kaboub: What is the Job Guarantee?: https://www.patreon.com/posts/41742701 Episode 47 - Pavlina Tcherneva: Building Resilience - The Case For A Job Guarantee: https://www.patreon.com/posts/36034543 Episode 148 - Pavlina Tcherneva: Why The Job Guarantee Is Core To Modern Monetary Theory: https://www.patreon.com/posts/episode-148-why-73211346 Quick read: Pavlina Tcherneva's Job Guarantee FAQ page: https://pavlina-tcherneva.net/job-guarantee-faq/   More on government bonds (and "vigilantes"): Episode 30 - Steven Hail: Understanding Government Bonds (Part 1):https://www.patreon.com/posts/29621245 Episode 31 - Steven Hail: Understanding Government Bonds (Part 2): https://www.patreon.com/posts/29829500 Episode 143 - Paul Sheard: What Is Quantitative Easing?: https://www.patreon.com/posts/71589989?pr=true Episode 147 - Dirk Ehnts: Do Markets Control Our Politics?: https://www.patreon.com/posts/episode-147-dirk-72906421 Episode 144 - Warren Mosler: The Natural Rate Of Interest Is Zero: https://www.patreon.com/posts/71966513 Episode 145 - John T Harvey: What Determines Currency Prices?: https://www.patreon.com/posts/72283811?pr=true   More on bank runs banking regulation:  Episode 162 - Warren Mosler: Anatomy Of A Bank Run: https://www.patreon.com/posts/80157783?pr=true Episode 163 - L. Randall Wray: Breaking Banks - The Fed's Magical Monetarist Thinking Strikes Again: https://www.patreon.com/posts/80479169?pr=true Episode 165 - Robert Hockett: Sparking An Industrial Renewal By Building Banks Better: https://www.patreon.com/posts/81084983?pr=true MMT founder Warren Mosler's Proposals for the Treasury, the Federal Reserve, the FDIC, and the Banking System: https://neweconomicperspectives.org/2010/02/warren-moslers-proposals-for-treasury.html     MMT Events And Courses: More information about Professor Bill Mitchell's MMTed project (free public online courses in MMT) here: http://www.mmted.org/ Details of Modern Money Lab's online graduate and postgraduate courses in MMT and real-world economics are here: https://modernmoneylab.org.au/     Order the Gower Initiative's "Modern Monetary Theory - Key Insights, Leading Thinkers": https://www.e-elgar.com/shop/gbp/modern-monetary-theory-9781802208085.html   MMT Academic Resources compiled by The Gower Initiative for Modern Money Studies: https://www.zotero.org/groups/2251544/mmt_academic_resources_-_compiled_by_the_gower_initiative_for_modern_money_studies   MMT scholarship compiled by New Economic Perspectives: http://neweconomicperspectives.org/mmt-scholarship     A list of MMT-informed campaigns and organisations worldwide: https://www.patreon.com/posts/47900757     We are working towards full transcripts, but in the meantime, closed captions for all episodes are available on our YouTube channel: https://www.youtube.com/channel/UCEp_nGVTuMfBun2wiG-c0Ew/videos   Show notes: https://www.patreon.com/MMTpodcast/posts/episode-214-live-161149608?pr=true

Andy Stumpf is a retired Navy SEAL, world-record-holding wingsuit BASE jumper, martial artist, and author. We discuss the mental framework and moment-to-moment decision-making process that can allow anyone to build discipline and resilience and better navigate both everyday life and life's most challenging moments. Andy explains several simple-yet-powerful tools gleaned from his time in — and after — his SEAL career that can help you determine where to focus your actions and how to clear your mind of things you can't control or that hold you back mentally. Andy also shares and reflects on lessons learned from some of the deeply personal challenges he faced outside of combat and freefall. Finally, we explore the all-too-frequent tragedy of people — including high performers — taking their own lives, and consider what might be done to prevent more such losses. Thank you to our sponsors AG1: https://drinkag1.com/huberman Our Place: https://fromourplace.com/huberman Wealthfront*: https://wealthfront.com/huberman Function: https://functionhealth.com/huberman Joovv: https://joovv.com/huberman Timestamps (00:00:00) Andy Stumpf (00:03:09) Protocols Book (00:04:06) Nagging Thoughts, Tool: Determine Influence vs Concern (00:10:14) Social Media, Screen Time Discipline (00:17:01) Sponsors: Our Place & Wealthfront (00:20:11) Social Media Addiction, Young Adults, Rebellion, Alcohol (00:27:38) Alcohol & Social Experiences; Cannabis; Ice Bath (00:36:07) Skydiving, Wingsuit Flying (00:41:47) Sponsor: AG1 (00:43:06) Skydiving, BASE Jumping, Wingsuit Flying; Navy (00:55:25) Danger & Fear, Wingsuit Flying Risk, Death (01:03:04) Divorce, Imperfection; Parenting Kids in Divorce (01:12:16) Sponsor: Function (01:13:55) Parents' Divorce (01:19:38) Long-Term Flow State, Focus, Adrenaline; Time Perception (01:30:58) Toilet Paper, Shortcuts, Tool: Do the Slightly Harder Choice (01:37:11) Micro-Discipline, Doing the Harder Thing, Tenacity & Super-Agers (01:48:00) Sponsor: Joovv (01:49:12) Physical & Mental Pain, Discussing Pain; Dogs (02:00:45) Suicide, Self-Talk, Isolation, Alcohol (02:11:52) Top Performers, Suicide; Ibogaine; Military, Trauma (02:21:36) Trauma & Healing, Exploring Other Possibilities, Control (02:28:57) Disciplined Acts, Choosing the Slightly Harder Option (02:35:20) Current Projects, Project Choice (02:41:48) Price of Success, Happiness, Money (02:53:09) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Social Media, Neural Network Newsletter *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Andrew Huberman receives cash compensation from Wealthfront Brokerage for paid testimonials in his podcast, creating a conflict of interest. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.05% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Additional terms and conditions apply, which can be found on Wealthfront.com/Huberman. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3596: Jessica Jokisch explores the hidden side of financial growth, arguing that increasing wealth requires stronger leadership, smarter delegation, and a willingness to upgrade old habits. She shows that lasting prosperity depends not just on earning more, but on developing the mindset and systems needed to protect and sustain it. Read along with the original article(s) here: https://www.christineluken.com/more-money-means-more-responsibility/ Quotes to ponder: "More money means more responsibility, not just more fun. If you want to grow and keep your wealth, it comes with more responsibility. They're a package deal!" "Every time we ascend to new levels of success, income, or net worth, we're faced with new fears and money blocks. As the saying goes, “New level, new devil!”" "With great power (and wealth!) comes great responsibility. Those who embrace it will build an empire and create a legacy." Episode references: TurboTax: https://turbotax.intuit.com/ Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3594: Tynan explores the difference between living as a builder versus an allocator, arguing that the best long-term decisions compound through intentional investments in time, money, and habits. His perspective offers a practical framework for creating lasting advantages and building a life that becomes stronger and more resilient over time. Read along with the original article(s) here: https://tynan.com/building/ Quotes to ponder: "The three currencies we have are time, money, and habits." "Don't just live your life, build it." "A builder takes the time to put into place systems to work more efficiently, thus building his effectiveness." Episode references: UFC 200: https://en.wikipedia.org/wiki/UFC_200 Stanford Marshmallow Experiment: https://en.wikipedia.org/wiki/Stanford_marshmallow_experiment Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3595: Brad uses the familiar in-flight oxygen mask rule to make a powerful case for protecting your own financial stability before trying to rescue everyone else. By exploring emergency funds, healthy boundaries, and the difference between helping and enabling, he offers a practical framework for becoming more effective and compassionate with money. Read along with the original article(s) here: https://www.budgetsaresexy.com/financial-advice-from-the-in-flight-safety-handbook/ Quotes to ponder: "Remember to secure your own oxygen mask before assisting others with theirs." "You are no good to anyone, if you pass out." "You are not blessing others by destroying yourself!" Episode references: Boundaries by Dr. Henry Cloud & Dr. John Townsend: https://www.amazon.com/Boundaries-When-Take-Control-Your/dp/0310247454 Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3593: Kumiko of The Budget Mom explains why entering retirement with debt can put serious pressure on a fixed income and reduce the freedom you've worked hard to achieve. She highlights the importance of eliminating unsecured debt, student loans, and mortgage debt before retirement, while offering practical strategies to reduce interest costs, accelerate repayment, and protect long-term financial security. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "If you are living with a fixed retirement income, you might not be able to afford to make the extra payments on the money owed." "I would love to help my son pay for college, but I won't sacrifice my own retirement to do so" "If you can pay off your mortgage before retirement, you can significantly decrease your housing costs, eliminate your biggest expense, and you can make your savings last much longer." Episode references: UTMA (Uniform Transfers to Minors Act) Accounts: https://www.investopedia.com/terms/u/utma.asp Parent PLUS Loans: https://studentaid.gov/understand-aid/types/loans/plus/parent Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Culture Friday covers the Pentagon's Mormon classification, Collin Garbarino reviews Disclosure Day, and George Grant talks with Stephen Mansfield. Plus, the Friday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Ascend by Unbound. A real-world, faith-centered college alternative for gap-year, trades, and degree-seeking students. More at beunbound.us/worldFrom WatersEdge. Where faithful investments strengthen ministry. 4.6% APY on a 15-month term. WatersEdge.com/invest WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular.And from St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.org

Get our Business Idea Database: https://clickhubspot.com/wjsl Episode 833: Sam Parr ( https://x.com/theSamParr ) and Shaan Puri ( https://x.com/ShaanVP ) breakdown the biggest IPO of all time.  — Show Notes:  (0:00) what even is SpaceX (7:11) What even is a trillion dollars? (8:51) Launches explained (9:07) Starlink (14:07) Data centers in space (17:39) Starship (24:46) Grok (28:06) a wonderful business at a silly price? (34:16) the mission (37:51) SBF's $114B fumble (39:04) funny, weird, surprising nuggets from the IPO (42:35Who's getting rich this week? (51:13) The genius insight of Luke at Gigafund (55:46) Pessimists get to be right, optimists get to be right (59:12) Elon's comp package — Check Out Sam's Stuff: • Hampton (joinhampton.com): My community for founders. Average member does $25m/year. Many of the guests are members. Get after it...apply: http://joinhampton.com/mfm — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com  • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Need a bank for your company? Go check out Mercury (mercury.com). Shaan uses it for all of his companies! Mercury is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano /

Surveillance and Bill Pulte's leadership, rescuing exploited children, helping children avoid online temptations, and fighting Ebola. Plus, Daniel Suhr on Cleveland Clinic's decision, stuck in concrete, and the Thursday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.orgFrom Ascend by Unbound. A real-world, faith-centered college alternative for gap-year, trades, and degree-seeking students. More at beunbound.us/worldAnd from WatersEdge. Where faithful investments strengthen ministry. 4.6% APY on a 15-month term. WatersEdge.com/invest WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular.

Washington Wednesday on Graham Platner's victory, World Tour on Peru's presidential election, and a tough year for blueberries. Plus, Tyler O'Neil on allegations against the Southern Poverty Law Center, apprehending illegal cockroaches, and the Wednesday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from WatersEdge. Where faithful investments strengthen ministry. 4.6% APY on a 15-month term. WatersEdge.com/invest WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular.From St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.orgAnd from Ascend by Unbound. A real-world, faith-centered college alternative for gap-year, trades, and degree-seeking students. More at beunbound.us/world

Iran's latest strategy, Qatar's spending in the U.S., miscarriage treatment in pro-life states, and a fleet of traveling museums. Plus, Cal Thomas on public confidence in the news media, a Bangladeshi buffalo, and the Tuesday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Ascend by Unbound. A real-world, faith-centered college alternative for gap-year, trades, and degree-seeking students. More at beunbound.us/worldfrom WatersEdge. Where faithful investments strengthen ministry. 4.6% APY on a 15-month term. WatersEdge.com/invest WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular.And from St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.org

Legal Docket on important wins for regulators, Moneybeat on the future for graduates, and History Book on the development of Miranda rights. Plus, the Monday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.orgFrom Ascend by Unbound. A real-world, faith-centered college alternative for gap-year, trades, and degree-seeking students. More at beunbound.us/worldAnd from WatersEdge. Where faithful investments strengthen ministry. 4.6% APY on a 15-month term. WatersEdge.com/invest WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular.