Podcasts about financial planning

Despite having a finance degree and achieving early success, Dave Ramsey experienced bankruptcy. Forced to rebuild from zero, he turned to timeless financial principles that not only restored his wealth but also helped him build a business that serves millions on their journey to financial freedom. Now on Spotify video! In this episode, Dave returns with some proven money management strategies to help high earners avoid costly financial mistakes, eliminate debt, and build lasting wealth. In this episode, Hala and Dave will discuss: (00:00) Introduction (02:40) From Bankruptcy to Personal Finance Principles  (07:30) Credit Cards and Spending Psychology (15:56) Is There Anything Like Good Debt? (18:28) Debt Snowball vs. Avalanche Strategy (20:17) Financial Planning for High Earners (30:11) Money Mistakes Young People Make (39:19) Ramsey Solutions' Business and Revenue Model (44:16) Creator Entrepreneurship and Succession Strategy (49:21) Recurring Revenue Built on Trust Dave Ramsey is a personal finance expert, radio personality, bestselling author, and founder and CEO of Ramsey Solutions. He is the host of The Ramsey Show with over 18 million listeners each week. Through decades of research on wealth-building and investing, Dave has helped millions achieve financial freedom using proven money management principles. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting. Spectrum Business - Keep your business connected seamlessly with fast, reliable Internet, Phone, TV, and Mobile services. Visit https://spectrum.com/Business to learn more. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details. Bitdefender - Start protecting your business today with Bitdefender Ultimate Small Business Security. Get 30% off your plan at bitdefender.com/profiting  Intuit - Start paying bills the smart way, not the hard way. Learn more at QuickBooks.com/billpay   Resources Mentioned: Dave's Website: ramseysolutions.com Dave's App, EveryDollar: everydollar.com  Dave's Book, Build a Business You Love: bit.ly/BuildaBusinessYouLove  YAP E344 with Dave Ramsey: youngandprofiting.co/E344  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Stock Market, Scalability, Investment, Risk Management, Business Coaching, Finance Podcast, Saving

Favour Obasi-ike, MBA, MS, pulls back the SEO truths curtain on the world of SEO agencies. Joined by a panel of experts, Favour reveals the questions you should be asking your SEO provider to ensure you're getting the most out of your investment. The discussion covers a wide range of topics, from the true cost of SEO to the importance of a long-term strategy. Favour emphasizes that SEO is not a one-time fix, but an ongoing process that requires continuous effort and adaptation. This episode also explains the four pillars of SEO success — search, find, click, and save — and how they can be used to create a powerful connection with your target audience. Whether you're a business owner looking to hire an SEO agency or a marketing professional seeking to deepen your understanding of the industry, this episode is packed with valuable insights and actionable advice. Tune in to learn how to take control of your SEO destiny and drive sustainable growth for your social business.Book SEO Services? Save These Quick Links for Later>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book SEO Services with Favour Obasi-ike⁠>> Visit Work and PLAY Entertainment website to learn about our digital marketing services>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Purchase Flaev Beatz Beats Online>> Favour Obasi-ike Quick LinksKey Takeaways1. SEO is a long-term investment, not a quick fix. Sustainable results require a consistent and evolving strategy.2. The cost of SEO varies, but the focus should be on value and ROI, not just the price tag.3. Ask your SEO agency about their team, workflow, strategy, and reporting to ensure transparency and alignment.4. The four pillars of SEO are search, find, click, and save. The goal is to create valuable content that resonates with your audience.5. Don't be a passive client. Educate yourself, ask questions, and take an active role in your SEO strategy.6. Certifications and partnerships (like with SEMrush) can be an indicator of an agency's credibility and expertise.7. Competitive analysis is crucial. You need to understand who your competitors are and what they're doing to succeed in the search rankings.Memorable Quotes[08:20 - 08:34] "There's this illusion of SEO being a genie that just comes and wipes your problems away and then you rank all day. It's not like that."[08:51 - 08:57] "Yes, it's technical, but the fundamental value of SEO is to connect."[25:08 - 25:16] "These agencies will just sell you snake oil and tell you all these things about what to do, what not to do. And then they leave you stranded, high and dry, pay thousands of dollars and you've not received one click or one lead."[30:37 - 30:47] "SEO is about search, find, click, and save."FAQs1. How much should I budget for SEO services?The cost of SEO can range from $500 to $5,000+ per month. For serious results, a budget of at least $1,000 per month is recommended.2. How long does it take to see results from SEO?SEO is a long-term strategy. While some quick wins are possible, significant and sustainable results typically take 6-12 months to achieve.3. What are the most important questions to ask an SEO agency?Ask about their team, their process, their strategy, and how they measure success. It's also important to inquire about their experience in your industry.4. What is the difference between on-page and off-page SEO?On-page SEO refers to optimizations made to your website, such as content and technical aspects. Off-page SEO involves activities outside of your website, such as link building and social media.5. How can I learn more about SEO?There are many resources available online, including blogs, courses, and certifications. Following industry experts and listening to podcasts like We Don't PLAY! can also be beneficial.Timestamps[00:00] Introduction: What SEO agencies won't tell you.[05:55] How much does SEO cost?[07:33] The importance of a long-term SEO strategy.[08:10] SEO is not a one-time fix.[24:04] How to get into SEO.[25:30] The importance of certifications for SEO agencies.[26:51] The role of competitive analysis in SEO.[30:29] The four-wheel cycle of SEO: search, find, click, and save.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this eye-opening episode of the We Don't PLAY! Podcast, host Favour Obasi-ike, MBA, MS dismantles the myth of "cheap SEO." Joined by guests Dr. Fashion, Austin, John, and Celese, the conversation exposes the significant long-term damage that corner-cutting SEO practices can inflict on a business. Favour emphasizes that SEO is not a one-time fix but a long-term investment in your brand's digital foundation. The episode draws a powerful analogy, comparing cheap SEO to building a house with substandard materials — a structure doomed to fail. The discussion highlights the stark difference between unethical "black hat" tactics, which lead to severe penalties from search engines like Google, and the sustainable growth achieved through ethical, "white hat" strategies. Dr. Fashion shares an inspiring personal story of how her commitment to quality SEO on her YouTube channel led to incredible success, enabling her to purchase her mother's childhood home. The episode is a masterclass for any business owner, marketing professional, or entrepreneur who wants to understand the true value of a robust, strategic, and long-term SEO plan.It's a crucial reminder that in the world of digital marketing, you get what you pay for, and the cost of cheap SEO is ultimately a price too high to pay for any business serious about growth and longevity.Book SEO Services | Quick Links for Social Business>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book SEO Services with Favour Obasi-ike⁠>> Visit Work and PLAY Entertainment website to learn about our digital marketing services>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Purchase Flaev Beatz Beats Online>> Favour Obasi-ike Quick LinksKey Takeaways1. Cheap SEO is a Myth: Low-cost SEO services often use harmful "black hat" techniques that can get your website penalized by Google, costing you more in the long run.2. SEO is a Long-Term Investment: Sustainable SEO is not about quick fixes. It's about consistently building a strong online presence through high-quality content and ethical practices.3. Quality SEO Drives Real-World Results: As demonstrated by Dr. Fashion's story, a well-executed SEO strategy can lead to significant financial success and brand authority.4. A Holistic Approach is Essential: Effective SEO encompasses more than just keywords. It includes website design, user experience, content quality, and technical optimization.5. Inaction is Expensive: In a competitive digital landscape, not investing in SEO means being invisible to your target audience and losing ground to your competitors.6. Understand the Value You're Paying For: Be wary of SEO providers who make grand promises without clear, measurable results. A reputable expert will provide a transparent and strategic plan.7. SEO is a Way of Life: Favour makes the point that search is a fundamental human behavior. Applying this mindset to your business's digital strategy is key to success.Memorable Quotes[01:04 - 01:17] "The cost of cheap SEO is to the point where you know when you hear something has been done but it has been done poorly. It's like trying to build a house and then you use the wrong sand, you use the wrong brick, you use the wrong everything." — Favour Obasi-ike[22:40 - 22:59] "SEO works, y'all. It's a long-term game. You don't want to enjoy the shade before building or planting the seed. We have to follow the rule. We have to abide by the law. There's a procedure. There's seed, there's time, there's harvest. We can't harvest without planting a seed." — Favour Obasi-ike[67:24 - 67:41] "If you have a business, you should have a podcast...it's a 24/7, 365 marketing platform for you. It's another place where people can search and be discovered." — John[26:20 - 26:31] "When you think about SEO, it boils down to two things. You're either focusing on branded queries, which is your business name, your brand name, the name that people know you for, or you're focusing on non-branded queries." — Favour Obasi-ike[45:53 - 46:02] "If everyone did SEO correctly, we'd have a better search experience, to be honest. 100%, because SEO is not competition. It's search." — Favour Obasi-ikeFAQs1. What is the difference between "black hat" and "white hat" SEO?"Black hat" SEO refers to unethical tactics that violate search engine guidelines to try and rank a site higher, such as buying links or keyword stuffing. "White hat" SEO, on the other hand, focuses on creating high-quality content and a good user experience to earn rankings organically.2. How long does it take to see results from SEO?SEO is a long-term strategy. While some technical fixes can have a quick impact, it typically takes several months to see significant, sustainable results from a comprehensive SEO campaign.3. Why is content so important for SEO?High-quality content is the foundation of modern SEO. It's what attracts and engages your audience, establishes your authority, and gives search engines the context they need to rank your site for relevant queries.Timestamps[00:00] Introduction: The True Cost of Cheap SEO[02:32] The Long-Term vs. Short-Term View of SEO[05:49] Real-Life Success Story: LinkedIn Newsletter Growth[11:11] The Dangers of Black Hat SEO[17:25] SEO Starts with a Secure Website (HTTPS)[20:15] Dr. Fashion on YouTube SEO and Organic Discovery[23:24] John's Experience with Unqualified SEO Pitches[30:04] The Importance of Backlinks and Domain Authority[44:46] SEO as a Long-Term, Ethical Investment[48:22] SEO as a Natural Extension of Human Behavior[55:00] The Power of Podcasting for Business Growth[68:03] The Importance of Language and Mindset in Marketing[71:02] Understanding Keyword Categories for Effective SEOSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We'd love to hear from you. What are your thoughts and questions?In this conversation, M.C. Laubscher discusses the importance of liquidity in wealth building and preservation. He shares his journey as an investor, the lessons learned about cash flow, and the misconceptions surrounding liquidity. The discussion emphasizes that true wealth is not just about accumulation but about strategic freedom, resilience, and stewardship across generations.Main Points:Wealth is about sovereignty, resilience, and long-term optionality.Lack of liquidity can lead to a loss of freedom and identity as an investor.Investors often misunderstand liquidity as idle capital.Liquidity is essential for managing seasonal business fluctuations.Having access to cash can prevent forced asset sales during downturns.The concept of JOMO (joy of missing out) can help investors avoid FOMO.Liquidity allows for better risk management and control over investments.Selling assets can trigger taxable events, making liquidity planning crucial.Multi-generational wealth requires careful liquidity planning to avoid financial strain.Family banks can provide liquidity and support for future generations.download a free e-book and audiobook at www.getwealthyforsure.comConnect with M.C. Laubscher:mc@producerswealth.comproducerswealth.comhttps://www.linkedin.com/in/mclaubscher/https://www.facebook.com/producerswealth/https://www.instagram.com/producerswealthhttps://x.com/mclaubscherhttps://www.youtube.com/@cashflowninjahttp://tiktok.com/@mclaubscher

Welcome to the stage: Bri is here to discuss her multifaceted journey in the music industry. From her beginnings behind the scenes to stepping into the spotlight as a vocalist, Bri shares the inspiration behind her brand, "Melanin Universe," a platform for networking and promoting fellow artists.She delves into her creative process, the spiritual and Egyptian influences on her music and merchandise, and the story behind her debut song, "Goddess Love." Bri opens up about her struggles with self-doubt, the importance of mental health, and how she transforms negativity into motivation. This episode concludes with Bri giving advice to her younger and future self, and details about her upcoming "Eye Am Isis" tour. starting February 28, 2026. Get your Tickets Here >>Key Takeaways:Embrace Your Calling: Don't run away from your true purpose, even if it's daunting.Alchemy of Negativity: Use doubt and criticism from others as fuel to prove them wrong and achieve your goals.The Power of Self-Belief: Overcoming external and internal negativity is crucial for an artist's growth.Art and Spirituality: Art is a powerful medium for self-expression and healing, deeply connected to one's spiritual and emotional state.FAQs:What is Melanin Universe? It's a networking platform created by Bri to connect artists with producers, tattoo artists, and other creatives. It also features moon phases and affirmations.What is Bri's advice for aspiring artists? She advises artists to not dwell on negative experiences for too long, to feel their feelings and then move on. She also emphasizes the importance of not being a people-pleaser.What is the story behind her first song? Her first song, "Goddess Love," came to her in the middle of the night. It was a way for her to show a more feminine and vulnerable side of herself, contrary to how people perceived her.Timestamps:[01:53] - Discussion about "Melanin Universe."[07:14] - The story of her first song, "Goddess Love."[15:01] - How she deals with mental health struggles.[22:02] - Advice to her younger and future self.[24:04] - Upcoming "I am Isis" tour.Quotes:"I'm really good at shitting on people. Like, if you doubt me, and you think that I can't do something... I'm gonna shit on you every single time.""You gotta lose your mind to gain it all back again.""I wanted to heal the world in whatever way that I'm destined to.""Don't dwell on the things that have happened to you. Feel your feelings. Give yourself 48 hours to feel your feelings and snap out of it."See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For the first time, Google has publicly designated a core update as a "Discover Core Update," signaling a major shift in how content is surfaced to users. In this podcast episode of the We Don't PLAY!™️ Podcast, host Favour Obasi-ike, MBA, MS, unpacks the groundbreaking February 2026 Google Core Update with 200+ people in the Clubhouse Audio LIVE! room.This update, which rolled out over 22 days, emphasizes a move towards a more personalized, AI-driven, and visually-oriented search experience. Favour explains that the Discover feed functions like a recommendation engine for the entire web, proactively suggesting content based on a user's interests and online behavior, rather than just reacting to search queries. This means the success of your content is now heavily influenced by the end-user's activity.The episode delves into the critical importance of creating "people-first" content — content that is helpful, reliable, and genuinely valuable to the audience. Favour warns against the use of clickbait and spammy headlines, as the new algorithm is designed to penalize such practices.Furthermore, the discussion highlights the often-overlooked but crucial role of technical SEO. Using a real-world client example and citing HubSpot's past struggles with a core update, Favour illustrates how a weak technical foundation can undermine even the best content strategy.The episode provides a comprehensive overview of what this update means for businesses and marketers, offering actionable advice on how to adapt and thrive. From optimizing images for a visual-first platform to conducting thorough content audits, this episode is a must-listen for anyone looking to stay ahead in the ever-evolving world of SEO.Book SEO Services | Quick Links for Social Business>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book SEO Services with Favour Obasi-ike⁠>> Visit Work and PLAY Entertainment website to learn about our digital marketing services>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Purchase Flaev Beatz Beats Online>> Favour Obasi-ike Quick LinksKey Takeaways1. A New Era of Search: The February 2026 Google Core Update is the first to be publicly named a "Discover Core Update," marking a significant shift towards a proactive, AI-powered content recommendation system.2. Content is Still King, but Context is Queen: The update prioritizes "people-first" content that is helpful, reliable, and engaging. The focus is on user intent and value, not just keywords.3. Technical SEO is Non-Negotiable: A solid technical foundation is more critical than ever. Issues with hosting, server response times, and website structure can severely impact your visibility.4. The Power of Personalization: The Discover feed is driven by user behavior and interests. This means your content's reach is now directly tied to how well it resonates with individual users.5. Visuals are Vital: The "Discover" update is inherently visual. High-quality, optimized images and videos are essential for capturing attention and driving engagement in the Discover feed.6. Say Goodbye to Gimmicks: Clickbait, spammy headlines, and other manipulative tactics will be actively penalized. Authenticity and value are the new currency of SEO.7. Embrace an Omnichannel Strategy: Relying solely on Google for traffic is a risky strategy. Building a strong presence across multiple platforms, including social media and email, is key to long-term, sustainable growth.Timestamps[00:00] Introduction to the Google Core Update[01:07] Google's First Publicly Labeled "Discover Core Update"[02:02] Timeline of the February 2026 Update[04:04] The Importance of Technical SEO[05:00] Case Study: HubSpot's Traffic Loss[06:02] The Lack of Information on Core Updates[08:12] Details of the Discover Core Update[10:15] The Role of AI in the Update[13:01] Impact on Different Industries[16:20] The "People-First" Content Strategy[20:01] The Importance of Visual Content[25:54] How User Activity Influences Search Results[27:37] Avoiding Clickbait and Spam[28:06] The Future of Search and ContentMemorable Quotes[01:07 - 01:19] "This is the first time Google has ever publicly mentioned about an update like this, especially to the open, because this doesn't usually happen all the time."[04:19 - 04:26] "I want to know about the core things that's going to either make or break your business online, especially when it comes to AI."[27:43 - 27:47] "You're going to avoid, avoid, avoid, avoid, avoid, avoid, by all means, avoid clickbait."[28:03 - 28:06] "If you're not people-first, it's gonna be quite hard."[26:11 - 26:15] "So the ball is not even in your court anymore. If you really think about it, the ball is in the activity of the user's court."FAQs1. What is the Google Discover Core Update?The February 2026 Google Discover Core Update is a major algorithm change that focuses on personalizing the content shown in the Google Discover feed. It uses AI to proactively recommend articles, videos, and other content based on a user's interests and online behavior, rather than just responding to search queries.2. What is "people-first" content?"People-first" content is content created primarily to provide value to the reader, rather than to rank in search engines. It should be helpful, reliable, well-written, and address the user's needs and interests. This is in contrast to content that is stuffed with keywords or uses clickbait headlines to attract clicks.3. Why is technical SEO important for this update?Technical SEO ensures that your website has a solid foundation for Google to crawl, index, and understand your content. With the Discover update, technical factors like site speed, mobile-friendliness, and structured data are more important than ever for getting your content recommended to users.4. How can I optimize my content for Google Discover?To optimize for Discover, focus on creating high-quality, people-first content with compelling headlines and high-quality images. Understand your audience's interests and create content that aligns with them. Also, ensure your website is technically sound and provides a good user experience.5. What are the key takeaways from the February 2026 update?The key takeaways are to prioritize people-first content, invest in technical SEO, embrace visual content, avoid clickbait, and build an omni-channel marketing strategy to reduce reliance on a single traffic source.More ResourcesGoogle Search Status DashboardGoogle Discover Core Update BlogWork and PLAY! Blog - What is SEO?Work and PLAY! Blog - Technical SEO CourseWe Don't PLAY!™️ Podcast Episode - Social Media Organic StrategiesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are your finances truly working together, or are you unknowingly creating tradeoffs? In this episode of Wise Money, we break down the six areas of your financial life and the warning signs that they may not be integrated. From tax supplies and investment missteps to outdated insurance and estate plan gaps, we show you how small disconnects can create big problems for your financial plan.  Season 11, Episode 28 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/KxMiok3yP9A  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Steve, Jacob, and Joseph Warren of Financial Planning HQ join host Todd Marquardt talks about the highs and lows of a family business on this edition of Talk Law Radio.

Markets recently reacted to a provocative “left-tail” AI scenario making the rounds—a fictional 2028 research report suggesting that too much AI success could ultimately lead to significant white-collar job losses. We'll unpack why markets can be so sensitive to narrative shocks.Next, a circulating opinion piece raises concerns about whether Wall Street could legally seize customer securities in a future financial crisis. We'll separate rhetoric from regulation, clarify how custody actually works, explain the important differences between margin and cash accounts.Then, we answer a thoughtful listener question about leaving a legacy gift to a college fraternity. We'll explore charitable giving vehicles, distribution strategies, trustee considerations, and how the fraternity's tax status could significantly influence the best approach.Finally, with mortgage rates easing off their recent highs, we welcome Shanna Squires of Henssler Mortgage Advisors to discuss when refinancing truly makes sense. From AI-driven market volatility to custody risk, legacy planning, and refinancing strategy, we'll help you cut through the noise and focus on what really matters for long-term financial decision-making.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 28, 2026  |  Season 40, Episode 9Timestamps and Chapters8:51 Too Much AI? Markets React to a Fictional Scenario25:24: Brokerage Custody, Collateral, and Crisis39:28: Fraternity, Foundation, or Fund? Structuring the Right Legacy 50:26: Break-Even and Beyond: Refinancing Done RightFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

After a decade of outperformance, U.S. stocks have recently cooled. Peter and Jeff name several factors contributing to this shift, share major factors in the United States' favor long term and discuss where else investors are going with their dollars. Plus, get their tips of the month.  Hosted by Creative Planning's Director of Financial Planning, Jeff Stolper, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won't want to miss each of their monthly tips! Important Legal Disclosure: creativeplanning.com/important-disclosure-information/ Have questions or topic suggestions?  Email us @ podcasts@creativeplanning.com

Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits

Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereShould you actually retire with debt on purpose?For years, you've probably pictured retirement as completely debt-free — no mortgage, no payments, no financial pressure. But what if aggressively paying off your home is actually slowing down your path to financial freedom? If you're a high-income earner, business owner, or someone intentionally building wealth, the real question isn't “How fast can I kill this debt?” — it's “Is this debt strategically working for me?” Understanding the role of cash flow, inflation, taxes, and risk can completely change how you see retirement planning.In this episode, you'll discover:How inflation quietly makes long-term debt less expensive over time — and why that matters for your strategyWhen carrying debt into retirement can actually improve tax efficiency and preserve wealthThe key difference between emotionally uncomfortable debt and strategically powerful debt (and how to know which side you're on)If you want to rethink retirement planning and learn when debt can be a tool — not a threat — press play now.

In this Greatest Hits episode of Advisor Talk, Frank LaRosa sits down with Cetera CEO Mike Durbin for a wide-ranging, candid conversation about ownership structure, affiliation flexibility, M&A strategy, custody decisions, and what it really means to build a “forever home” for advisors. From private equity misconceptions to succession solutions, this episode explores how advisors can think strategically - not reactively - about their long-term growth. Mike shares insights from his 35-year career working directly with financial advisors, including leadership roles at Morgan Stanley and Fidelity, and explains why he returned to the independent space to help shape the next decade of advisor evolution   You'll hear discussion around: • Why multi-custody and multi-clearing can be a strategic advantage. • How private equity ownership can create stability instead of short-term pressure. • The importance of affiliation flexibility as careers evolve. • Why succession solutions should exist inside a firm - not outside it. • How large firms can still create community and localized support. • What “growth support” really looks like beyond recruiting deals. • Why diversification of revenue matters in a changing rate environment. Rather than focusing solely on headline recruiting deals or advisor headcount, this episode centers on a more important theme: Are you aligned with a partner that helps you play offense - not just react to change? As Mike states, it has never been a better time to be in the wealth management business - but it is changing quickly.   If you're a financial advisor evaluating independence, succession, M&A, or long-term firm alignment, this Greatest Hits conversation offers perspective on how to think about scale, ownership, and growth in a dynamic industry. Chapters: 01:03 – Episode Intro 04:10 – Mike's Background 09:16 – Private Equity & Ownership 14:35 – Affiliation Flexibility 26:24 – Multi-Custody Strategy 32:30 – M&A & Consolidation 37:31 – Scale vs Community 40:06 – Recruiting Economics 44:00 – Growth & Marketing Support 50:26 – Playing Offense Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

In this insightful episode of the We Don't PLAY!™️ Podcast, host Favour Obasi-ike, MBA, MS demystifies the critical evolution of search in the age of artificial intelligence, focusing on a concept she terms "AI SEO 101." The central theme revolves around the distinction and strategic importance of closing both prompt gaps and keyword gaps to secure valuable brand citations. While traditional SEO has focused on optimizing for short, fragmented keywords (e.g., "best travel deals"), the rise of conversational AI assistants like ChatGPT and Perplexity has given birth to the prompt—a longer, full-sentence query (e.g., "What are the best international travel deals for a family of four in summer 2026?").Favour argues that many businesses are unprepared for this shift, leaving a "prompt gap" in their content strategy. While they may have content targeting keywords, they lack the in-depth, conversational, and authoritative answers that AI models seek when responding to user prompts. The ultimate goal for any brand is to become a direct brand citation in an AI-generated answer, a feat achieved only by providing comprehensive, well-supported information. As Favour compellingly states, the answers provided by AI are sourced directly from the content available on the web: "Where are those responses AI is getting coming from in the first place? They're coming from your website."The core of the strategy lies in recognizing that your website is the foundational pillar of your digital presence. To bridge the prompt gap, Favour advocates for a robust pillar-cluster content model. This involves creating a main "pillar" page that exhaustively answers a primary customer question, supported by numerous "cluster" pages that explore related sub-topics in detail. This creates a dense, interconnected web of expertise that signals authority to search engines and AI alike. The episode emphasizes a shift from merely creating blogs to creating comprehensive resource hubs, complete with FAQs, multimedia content, and evidence-backed claims, much like a digital research paper.Favour provides a clear action plan: identify the core questions your audience is asking, build out content that answers them conversationally and in-depth, and structure this content logically on your website. She also touches on the technical side, noting that URLs should remain concise and keyword-focused, while the content on the page should be rich and prompt-focused. Ultimately, the episode is a powerful call to action for businesses to stop dwelling on information and start implementing a forward-thinking content strategy. By treating your website as a definitive library of answers, you can close the gaps in your SEO strategy and ensure your brand not only survives but thrives in the new era of AI-powered search.Key TakeawaysPrompts vs. Keywords: A prompt is a conversational, full-sentence question (10-25 words) posed to an AI, whereas a keyword is a short, fragmented search query (2-5 words) used in traditional search engines.The Goal is Brand Citation: In the new landscape of AI search, the primary objective is to have your brand and website cited directly as the authoritative source in an AI-generated answer.Your Website is the Foundation: All digital roads lead back to your website. It is the most critical asset for building authority and providing the in-depth answers that AI models are looking for.Close the Prompt Gap with Conversational Content: To appear in AI search results, you must create content that directly and comprehensively answers the full questions your audience is asking, not just targets keywords.Adopt a Pillar-Cluster Model: For each major question your audience has, create one main "pillar" page with a complete answer and support it with multiple "cluster" pages that cover related sub-topics. This builds a powerful web of expertise.Content as a Resource Hub: Think of your content less like a series of blog posts and more like a library of research. Support your answers with data, evidence, multimedia, and links to other authoritative sources to build trust and credibility.Action Over Acronyms: While understanding terms like AEO (Answer Engine Optimization) is useful, the focus should be on the practical implementation of creating high-quality, question-answering content.Memorable Quotes"A prompt is keywords in confirmation of the context that has been started by conversation.""You can't say a brand without connecting a website.""Where are those responses AI is getting coming from in the first place? They're coming from your website.""Don't be in a place where you're dwelling on information and not taking action on implementation.""15% of new searches every day out of at least 8.5 billion searches a day are new, including yours.""You don't put a prompt in your URL, you put a keyword in your URL.""You're not just creating blogs, you're creating calls to action."Frequently Asked Questions (FAQs)What is the main difference between a prompt and a keyword? A prompt is a long, conversational question asked to an AI, while a keyword is a short, fragmented phrase used in a traditional search bar. Your content strategy needs to address both.Why are brand citations important in AI SEO? A brand citation is when an AI search tool names your website as the source of its information. It positions your brand as a trusted authority, driving traffic and credibility.Is blogging still relevant in 2026? Yes, absolutely. However, the format has evolved. Modern blogging should focus on creating in-depth, conversational articles that function as answers to user prompts, effectively turning your blog into a resource hub or "audio blog."How do I start closing the prompt gap on my website? Begin by identifying the most common and important questions your customers ask. Then, create comprehensive content (like a detailed FAQ page or a pillar article) that answers these questions thoroughly and links to supporting cluster pages.What is the pillar-cluster model? It's a content strategy where you create one major "pillar" page that covers a broad topic in-depth. You then create multiple "cluster" pages that address specific sub-topics related to the pillar, with all cluster pages linking back to the main pillar page. This structure organizes your content and signals deep expertise to search engines.Timestamps[00:00] Introduction: AI SEO 101 - Prompt Gaps vs. Keyword Gaps.[01:35] Defining a "Prompt": A conversational query of 10-25 words.[02:48] Defining a "Keyword": Traditional short, medium, and long-tail search terms.[05:52] The Central Role of Your Website in Brand Citations.[06:34] How Search Engines Match Pages to Queries.[07:17] Core Concept: A prompt is "keywords in conversation."[08:03] The Solution: Closing the gap with conversational, FAQ-style content.[09:43] Strategy Deep Dive: The Pillar-Cluster content model (1 Pillar + 9 Clusters).[15:02] Where AI Gets Its Answers: Your website is the source for LLMs.[16:02] Building Authority: Go beyond facts and support claims with experience and evidence.[19:00] Your website is the common thread in all customer interactions.[20:44] Technical SEO Tip: Use keywords in your URLs, not long prompts.[22:36] Market Opportunity: 15% of the 8.5 billion daily searches are entirely new.[23:38] Content with Purpose: Your content should create calls to action, not just exist as a blog.[24:14] Closing Remarks & How to Connect.[25:12] Podcast Outro.Book SEO Services | Quick Links for Social Business>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book SEO Services with Favour Obasi-ike⁠>> Visit Work and PLAY Entertainment website to learn about our digital marketing services>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Purchase Flaev Beatz Beats Online>> Favour Obasi-ike Quick LinksSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What do the Winter Olympics and the world of financial planning have in common? More than you might think!   Contact Information: Website: http://www.ruggierifinancial.com/ Phone: 888-823-7526

Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you avoid unforced errors and make a confident judgment call. He walks through organizing your retirement cash flow, estimating MAGI and ACA subsidy eligibility, evaluating COBRA, ACA, and private coverage options, and weighing tax optimization against simplicity and continuity of care. He's joined by Taylor Schulte of Define Financial to discuss how professionals navigate Roth conversions, Social Security timing, ACA cliffs, and the trade-offs between optimizing for subsidies versus long-term tax planning.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the final week of the health care before Medicare series and previews upcoming episodes with Harry Reese (co-author of How to Feel Loved) and retirement researcher Wade Pfau.PRACTICAL PLANNING SEGMENT(02:30) Roger reviews the three “heads” that must be managed before Medicare- cost, continuity of care, and complexity.(03:30) Roger talks about avoiding unforced errors that could cost you money, disrupt care, or create unnecessary stress.(05:18) Roger introduces the OODA Loop—observe, orient, decide, act—as a practical way to think step by step about health coverage choices. (05:52) Observe: Build a 5-year retirement income and spending plan, estimate taxes and MAGI, identify where you fall relative to the ACA subsidy cliff, and review withdrawal sources (taxable, pre-tax, Roth) along with future RMD implications.(14:21) Orient: Clarify what matters most to help you make a decision.(20:00) Decide & Act: Choose a direction, document your reasoning, update your plan of record, and implement the distribution strategy that supports your choice.CONVERSATION WITH TAYLOR SCHULTE(22:25) Roger introduces Taylor Schulte from Define Financial(23:15) Why health care before Medicare shouldn't automatically delay retirement and how assumptions often go untested.(26:50) Evaluating alternatives beyond ACA, including COBRA as a short-term bridge and private plans.(31:50) The tension between Roth conversions and ACA subsidies, and how Social Security timing affects MAGI.(34:20) Avoiding the “optimization trap”: sometimes paying more for simplicity still results in a resilient retirement plan.(36:40) The key takeaway is that there's no perfect answer—retirees should explore options, make informed decisions without fear, and use healthcare planning as a tool rather than a barrier or excuse to delay retirement.SMART SPRINT(43:35) Set a reminder to review your health care strategy using a structured approach—especially if retirement or Medicare enrollment is approaching. The goal is to be intentional, not reactive.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.govDefine Financial- Taylor SchulteStay Wealthy Retirement Show- Taylor Schulte (podcast)

If you're trying to scale your advisory firm, there's a stage where things start to feel harder than they should. Everyone's busy. Communication gets messy. You're still producing, but you're also trying to lead a team that needs clarity, feedback, and direction.In this episode, I'm joined by Triad's Member Culture Coach, Kenzie Olejnik. Kenzie joined Triad in April of 2022, when we were right in the middle of the chaos as a new company. She helped us turn good intentions into an intentional culture built on clarity, communication, and shared language. You'll hear Kenzie talk about the simple culture moves that actually matter, how to onboard people in a way that builds trust and excitement quickly, and why you can't treat your team like an afterthought if you want clients to have a great experience in every interaction.3 of the biggest insights from Kenzie Olejnik…#1.) Clarity and Communication Fix More Than You ThinkKenzie breaks down why most culture problems aren't “people problems.” They're clarity problems in terms of who owns what, how decisions get made, and how teams communicate when things move fast.#2.) Treat Your Team Like Your Best ClientsFrom onboarding touchpoints to celebrating wins consistently, Kenzie explains how removing friction and making people feel seen creates a culture that scales and protects the client experience.#3.) The Shared Language That Holds the Line and Fosters AccountabilityWe get into why words like “family” can quietly undermine accountability, and how Triad built a shared language that made expectations clear and culture self-sustaining.FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: The Enneagram Cheat SheetDownload here: https://bradleyjohnson.com/157SHOW NOTEShttps://bradleyjohnson.com/157FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP02265233532See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Most financial planning is built around goals.  Goals like:  Retiring at 60  Spending more time traveling  Leaving a legacy through philanthropy   But there's a structural flaw in that model: human beings are notoriously poor predictors of their future preferences. What we think will make us happy at 60 often looks very different once we get there.  Yet as Advisors, we routinely ask clients to define long-term goals without fully pressure-testing the assumptions behind them.   In this episode, Meghaan Lurtz explains how we can shift away from the shortcomings of goals-based planning by focusing on the power of experiments.  Instead of asking our clients to commit to big, static goals, we can help them design small, intentional experiments.  Help them test the retirement, test the travel, and test the hobbies they “think” they'll enjoy one day.  Because a client who has tried something knows what they want. And an Advisor who helps them get there becomes indispensable.  If you want deeper conversations, more engaged retirees, and clients who actually use their money in ways that improve their lives, then this episode offers a practical framework you can implement immediately.  You'll Learn:  Why goals-based planning may be unintentionally limiting your clients' happiness  The simple 4-step experiment framework that unlocks confident spending and clearer decisions  How to help chronic under-spenders safely test higher spending without triggering fear  Why debriefing client experiences may be more powerful than the financial plan itself  Subscribe to the Wired Advisor newsletter packed with behavioral-backed resources to help you grow your business → Click Here    Links To Resources Mentioned:  “Helping Underspenders and Savers Understand They Can Spend More With 4 Stages Of Experiments”  Connect With Brendan:  RFG Advisory  LinkedIn: Brendan Frazier  About Our Guest:  Meghaan Lurtz, Ph.D., FBS™ is a globally recognized expert on the psychology of financial planning and the human dynamics of money. She is a partner at Beyond The Plan®.  Dr. Lurtz is also a Professor of Practice at Kansas State University, teaching in the Advanced Financial Planning and Financial Therapy Certificate Programs, and a Lecturer at Columbia University, where she teaches Financial Psychology. Her academic and professional contributions include published research in Journal of Financial Planning, Journal of Consumer Affairs, and Financial Planning Review, as well as regular columns on Kitces.com.  Her expertise has been featured in The Wall Street Journal, BBC, Million Dollar Roundtable, New York Magazine, and more. She has co-authored chapters in the CFP Board's textbook Client Psychology and serves on multiple fintech boards bridging financial advice with mental health. Meghaan is a past President of the Financial Therapy Association.

In this expansive and deliberately contrarian episode, Jesse takes on annuities—not with a sales pitch or a blanket dismissal, but by putting them under a rigorous planning lens rooted in risk, probability, and real retirement outcomes. He begins by laying out what annuities actually are, clearly separating fixed annuities from their variable cousins, and explaining why high fees, capped upside, illiquidity, and poor expected returns make most annuity products deeply unattractive. From there, Jesse zeroes in on the one annuity type he considers intellectually defensible in narrow circumstances: the single premium immediate annuity (SPIA), framing it not as an investment but as insurance against longevity and sequence-of-returns risk. The heart of the episode introduces the concept of ergodicity and uses vivid examples to show how retirement planning is fundamentally non-ergodic, dominated by tail risks, bad timing, and one irreversible life path. Through this lens, annuities are reframed as a tradeoff: a high probability of modest financial loss in exchange for protection against a low-probability but catastrophic retirement failure. Jesse closes by emphasizing that annuities, when used correctly, dull both the upside and the downside—reducing the chance of ruin at the cost of lower lifetime wealth—and that whether that trade is worth making depends not on averages or rules of thumb, but on an individual's specific risks, values, and tolerance for uncertainty. Key Takeaways: • Most annuities are expensive, illiquid, and poorly designed. Annuities are insurance products, not investments. • SPIAs are the simplest and most transparent annuity structure. SPIAs insure against longevity and sequence-of-returns risk. • Retirement planning is a non-ergodic problem. Average outcomes do not reflect individual retiree experiences. • Monte Carlo averages can hide catastrophic failures. • Annuities pool longevity risk across many people. Most annuity buyers will "lose" financially on average. • The annuity decision is a personal risk-management choice, not a math trick. Key Timestamps: (01:39) – Diving into Annuities (07:39) – Understanding Variable and Fixed Annuities (15:38) – Risks and Protections of Annuities (19:58) – Single Premium Immediate Annuities (SPIAs) (26:24) – Understanding Ergodic Systems (30:36) – The 4% Rule and Sequence of Returns (34:44) – Tail Risks and Longevity in Retirement (46:52) – The Role of Annuities in Retirement Planning Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://www.fortunesandfrictions.com/post/one-in-a-quadrillion https://bestinterest.blog/e127/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this masterclass episode of the We Don't PLAY!™️ Podcast, host Favour Obasi-ike, MBA, MS tackles a critical question for 2026: Is blogging still a cornerstone of a successful social business? The answer is a resounding YES. Favour Obasi-ike reveals that businesses with active blogs generate a staggering 67% more leads.This episode is a deep dive into the art and science of using blogs to drive social business revenue and achieve sustainable startup growth secrets. Favour breaks down the technical SEO behind a powerful blog, from understanding sitemaps as the "brain" of your website to structuring your content with a masterclass on headings (H1, H2, H3) and ideal word count (600-2,500 words).Learn actionable SEO tactics and content marketing strategies, including how to leverage Pinterest SEO and its 96% non-branded search traffic, the power of repurposing content, and why your business should aim for at least one blog post per week. Favour also touches on the future, discussing AI marketing, prompt gaps vs. keyword gaps, and how blogging principles apply to App Store Optimization (ASO). This is a must-listen for anyone looking to master digital marketing, boost organic traffic, and understand the long-term ROI of a robust blogging strategy.Episode Timestamps / Timeline[00:13] The Core Stat: Why blogs generate 67% more leads.[01:08] Technical SEO 101: Understanding sitemaps and search engine indexing.[04:02] Content Strategy: Supporting products with listicles, FAQs, and rich media.[05:18] Local SEO: How blogging gives you a local-based advantage.[09:02] Blogging Masterclass: The perfect structure for a high-ranking blog post.[25:00] Off-Page SEO: The power of backlinks and being featured.[28:49] Advanced SEO: Using Wikipedia and Reddit for credibility and traffic.[33:46] Case Study: How Canva used blogging to dominate the market.[35:01] Pinterest SEO Deep Dive: Tapping into non-branded search.[37:52] The ROI of Blogging: Low effort, high impact for long-term growth.[38:46] Beyond Websites: Applying blogging concepts to App Store Optimization.[41:04] The 520-Blog Rule: A benchmark for established businesses.Frequently Asked Questions (FAQs)Is blogging still valuable in 2026?Absolutely. According to the episode, businesses with active blogs generate 67% more leads and establish crucial brand visibility and authority.How does blogging improve SEO?Blogging expands your website's sitemap, creating more opportunities for indexing. It allows for strategic keyword research implementation, internal/external linking, and building off-page SEO through backlinks.What is the ideal length and structure for a blog post?Aim for a 5-minute read, which is about 600-2,500 words. Structure it with a clear hierarchy of H1, H2, and H3 tags, and keep paragraphs concise (1-3 sentences).How can I use blogging for my social business?Use your blog as a central hub for your content marketing. Repurpose social media posts into detailed articles, embed videos and social feeds, and use your blog content to fuel your email marketing and ad campaigns.Book SEO Services | Quick Links for Social Business>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book SEO Services with Favour Obasi-ike⁠>> Visit Work and PLAY Entertainment website to learn about our digital marketing services>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Purchase Flaev Beatz Beats Online>> Favour Obasi-ike Quick LinksSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you accidentally letting hundreds of thousands of dollars sit idle in your holding company… unsure how to deploy it without triggering unnecessary tax?If you're a Canadian business owner with retained earnings building up in your holdco, you've probably felt the tension. You want to grow your wealth—but you don't want to make a costly mistake. Your accountant tracks what's happened, but who's helping you think proactively about what to do next? With salaries, RRSP room, rental properties, corporate investments, and tax efficiency all in play, it's easy to feel stuck between “do nothing” and “overcomplicate everything.” What you really want is clarity—and optionality.In this episode, you'll discover:A simple 50/50 framework for splitting retained earnings between risk-off liquidity and long-term growth.How to structure corporate investments to create tax-efficient capital gains and future tax-free income through the Capital Dividend Account.Why thinking holistically—across your corporation and personal assets—unlocks powerful flexibility, leverage, and long-term tax control.Press play now to learn how to turn your holding company into a strategic wealth engine—not just a parking lot for cash.

Moving in with your partner? Before you sign the lease, you need to talk about money. As I prepare to move in with my partner for the first time (your girl's growing up!), I revisited our practical and helpful conversation with personal finance expert and author, Alyssa Davies, about how to navigate your finances when you're merging lives with your partner, and how to set yourself up for success when you're moving in together. We dive into the financial conversations every couple should have before moving in — from how to split rent and household expenses when your income is different, to structuring joint finances in a way that feels equitable and aligned with your shared goals. Because merging lives means merging money — and that's hella vulnerable. Alyssa Davies is a 2x author and the mastermind behind award-winning Canadian personal finance website and YouTube channel, Mixed Up Money, where she dishes out financial content for women who care about their money.  Tune in to hear: Alyssa's advice for couples who are moving in together The most important money conversations to have Different ways to structure your joint and separate accounts Equal vs equitable expense splitting (and how to divide rent when your incomes are different) How to protect your assets if your partner moves in What to do if you have different spending/saving habits Saving for big milestones together (travel, home, wedding, investments) Avoiding resentment around money and contribution Tools for successful budgeting with your partner Follow Alyssa: mixedupmoney.com/ instagram.com/mixedupmoney/ Alyssa's Budgeting Templates: mixedupmoney.com/shop For advertising and sponsorship inquiries, please contact Frequency Podcast Network. Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

In this episode of The Free Lunch Podcast, Colin and Blair walk through a case study of “Linda,” a 55-year-old investor with a $780,000 balanced portfolio.When markets fell 18%, she panicked and sold half her equities, only to miss the 22% rebound that followed.It's a powerful reminder that the hardest part of investing isn't picking the right fund. It's sticking to the financial plan when headlines, social media, and fear tell you to do the opposite.Markets recover but emotional decisions can be permanent.

Joel from Jacaranda Financial Planning joins John Stanley to explain how you can maximize your savings and ensure you have enough super for your retirement. Joel answers your questions on 2GB/4BC Nights every Tuesday night. Listen to John Stanley live on air from 8pm Monday to Thursday on 2GB Sydney and 4BC BrisbaneSee omnystudio.com/listener for privacy information.

Send a textThis week on Leave Your Mark, I sit down with financial strategist and philanthropic visionary Mark Halpern.Mark is a Certified Financial Planner, Trust & Estate Practitioner, and Master Financial Advisor–Philanthropy with more than 30 years of experience helping successful families and entrepreneurs think differently about wealth.As CEO of WEALTHinsurance.com, he operates at the intersection of estate planning, tax strategy, and charitable giving—helping clients preserve capital, minimize tax, and multiply impact.But this conversation goes deeper than money.Mark was mentored by the late Dr. Paul Goldstein, a Holocaust survivor who earned his PhD at 87. From him, Mark learned a principle that shapes both his life and his work: when you get knocked down, get back up before the count of ten.Now he's pursuing a bold “Moonshot” goal: generating $1 billion in new charitable donations annually.We talk about legacy.We talk about resilience.We talk about a new model of philanthropy—one that challenges traditional thinking about wealth and responsibility.If you've ever wondered what wealth is really for, this episode will make you think.If you liked this EP, please take the time to rate and comment, share with a friend, and connect with us on social channels IG @Kingopain, TW @BuiltbyScott, LI+FB Scott Livingston. You can find all things LYM at www.LYMLab.com, download your free Life Lab Starter Kit today and get busy living https://lymlab.com/free-lym-lab-starter/Please take the time to visit and connect with our sponsors, they are an essential part of our success:www.ReconditioningHQ.comwww.FreePainGuide.com

What if you’re closer to retirement than you think? In this episode, Damon Roberts and Matt Deaton share real stories of clients who discovered they were financially ready—despite years of stress and sleepless nights. They explain why so many adults save diligently yet fail to build an actual income plan, leaving them unsure about timing Social Security, using pensions, and navigating risky withdrawals. You’ll learn how to replace guesswork with clarity, reduce retirement anxiety, and understand the power of turning accumulation into dependable income. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Welcome to the ENT!What are some of the keys to the most successful family office? Family offices have this mystique; some people think only the multi-billionaire families need one. Yet, the key reasons families create family office are shared by many families:namely asset protection and confidentiality. Learn about the different types of offices and what might best suit your family's needs. Do you want my own consigliere, like Frank from the Godfather? If you've seen one family office, you have seen one family office. You can make a big impact! Learn some of the ways.As always, it is good to have an expert on your side. Expert Network team provides free consultations. Just mention that you listened to the podcast. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comTaylor Smith, attorneyHelping affluent families build their legacy through complex estate planningGoodspeed Merrill(720) 512-2008tsmith@goodspeedmerrill.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.comKarl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.comWebcasts, Podcasts, Streaming Video, Streaming AudioA&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios.A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Dividend Growth: The Quiet Engine of Wealth Dividend growth investing sounds simple, but doing it well for decades is not. That's why we wrote Dividend Growth: The Quiet Engine of Wealth—a practical guide to building a framework you can stick with when things get uncomfortable. You can get a free copy here. Plus, join our market newsletter for more on dividend growth investing. ________ After a year of lagging the S&P 500, dividend investors are finally playing catch-up. Income is growing. Prices are rising. Total returns are improving.But success brings a new challenge: what happens when valuations rise, yields fall, and future returns get harder to find?In this episode, Greg explores the hidden downside of success in dividend growth investing. With dividend stocks outperforming early in 2026 and capital rotating out of growth and AI, he explains why rising prices create a new challenge: redeploying capital without sacrificing long-term returns. He revisits income growth vs. total return, explains why cash flow acts as the anchor in volatile markets, and walks through why sometimes the best move is to do nothing. He also contrasts chasing yield with sustainable compounding, including why shifting into Treasuries for higher income can miss the bigger picture.The second half of the episode moves into real portfolio examples—showing what “sell,” “hold,” and “buy” look like in practice:Why Emerson Electric ($EMR) no longer fits the modelWhat Clorox's ($CLX) acquisition strategy could mean for dividend growthHow Hershey ($HSY) shows patience through commodity cyclesWhy Accenture ($ACN) represents a redeployment opportunityLong-term success isn't about chasing what's working today. It's about discipline, letting income compound, and trusting that if cash flow grows, prices follow.Topics Covered: [00:11] Introduction [03:45] Income growth vs. total return investing [07:24] Why dividend income is the anchor [09:52] Valuation risk and redeployment challenges [10:22] Buffett, patience, and portfolio discipline [11:38] Treasuries vs. dividend stocks: yield vs. growth [13:03] Cash flow as the North Star [15:26] Emerson Electric ($EMR): selling a winner [20:03] Clorox ($CLX): acquisition risk and dividend sustainability [27:40] Hershey ($HSY): commodity cycles and patience [32:03] Accenture ($ACN): dividend growth opportunity [35:11] Redeploying capital in rising markets [36:07] Final takeaway: consistency and long-term compoundingSend a textDisclaimer: Past performance does not guarantee future results. This episode is for educational purposes only and is not investment advice. If you enjoy the show, we'd greatly appreciate it if you subscribe and leave a review RESOURCES: Schedule a meeting with us -> Financial Planning & Portfolio Management Getting into the weeds -> DCM Investment Reports & Models Visit our website to learn more about our investment strategy and wealth management services. Follow us on:Instagram | Facebook | LinkedIn | X

How should we think about money, financial planning, and charitable giving?Financial advisor Sydney Levy joins Sara and Danny to discuss emergency funds, debt, retirement planning, and how Jewish values can guide smarter, more meaningful financial decisions.In this episode, Danny Wolfe sits down with Sydney Levy, a financial advisor and Head of Wealth Planning, to explore how money, meaning, and Jewish wisdom intersect.They discuss practical financial planning basics — including emergency funds, managing debt, retirement investing, and savings strategies — alongside the psychology of money and the importance of aligning financial decisions with personal and Jewish values.The conversation dives deeply into charitable giving (tzedakah), including how to give consistently, the tax benefits of donating, and why small, regular contributions can create powerful ripple effects. Sara, Danny and Sydney also reflect on prioritizing values over financial efficiency, legacy planning, generational giving, and using Jewish education and community investment as tools for long-term impact.This episode is ideal for anyone looking to build a healthier relationship with money while staying true to their values.Check out her podcast at https://www.youtube.com/@syd_thefinancegal

Send a textJoin Kevin Sebesta, CRPC™️ and me as we discuss many aspects of aging and elder care. Along with general aspects of aging, Kevin and I discuss our personal journeys with aging parents.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

A bigger Social Security check doesn’t always mean a better retirement. In this episode of Charleston’s Retirement Coach, Brandon Bowen breaks down a real‑world story of regret from waiting until age 70 to file for benefits. The conversation explores why Social Security timing is about more than monthly income, how break‑even math really works, and what people often overlook about health, quality of life, and opportunity cost. Brandon walks through how filing decisions interact with savings, debt, and retirement income planning as a whole. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

How much do you really need to retire—and why do the headline numbers miss the mark? In this episode of Empower Your Retirement, Frank and Frankie Guida break down the real factors that shape retirement income needs, from spending habits and lifestyle changes to inflation and income sources like Social Security and pensions. The conversation walks through how to estimate retirement expenses, why one-size-fits-all numbers fall short, and how understanding cash flow and future costs can bring clarity to retirement planning. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Retirement isn’t always about stopping—it’s about redefining purpose. JoePat Roop explores why more people are choosing “unretirement,” continuing to work by choice rather than necessity. The episode weaves together Social Security planning, taxes, and the emotional shift that comes when work ends but life doesn’t slow down. It’s an honest look at how income, identity, and time intersect in the next chapter. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Solving the Financial Planning Gaps for Child-Free Clients with Dr. Zay Zigmont, PhD, MBA, CFP® Kathleen and Amy speak with Dr. Jay Zigmont, PhD, CFP®, founder of Child Free Wealth and Child Free Trust, a fiduciary solution built specifically for the growing population of adults without children. Dr. Zigmont is on a mission to address what he calls the "fiduciary void" for the roughly 25% of U.S. adults who are child-free yet are still served by an industry that typically assumes every client has (or will have) kids. Jay shares his personal path from healthcare leadership and academia to financial planning, and what he discovered while earning his CFP®: the standard planning "life script" is baked into the education, tools, and assumptions of our profession. That insight led him to research child-free households, write books on the topic, and ultimately build a planning model aligned with child-free client goals—including a flat annual fee structure designed to eliminate conflicts that can arise when clients want to intentionally spend down assets. We discuss: Why traditional AUM pricing can clash with "Die With Zero" goals How Jay uses a "Die With Zero Safety Net" approach, including long-term care planning, delayed Social Security, and a lower Monte Carlo target paired with ongoing adjustments The estate planning reality for child-free adults—why many don't have documents in place, and how the system assumes a next-of-kin safety net How Child Free Trust works as a nationwide backstop for medical and financial decision-making (POA, executor, trustee), coordinated with care teams and 24/7 support Why long-term care planning is a fiduciary responsibility for every advisor—especially for solo agers—and how clients weigh self-insuring vs. standalone coverage This episode is a practical, thought-provoking look at how our planning process, tools, and business models may need to evolve to better serve a large (and growing) segment of clients—particularly those navigating retirement and aging without children. https://childfreewealth.com/ https://childfreetrust.com/ https://www.linkedin.com/in/jayzigmont/  

Are you selling an investment property in 2026? Before you list, you need to understand the hidden tax risks inside a 1031 exchange strategy. In this episode of the Mastering 1031 Exchange Series, Judy Casad and Qualified Intermediary Milissa Ormiston-Hall break down these key topics: • Cost segregation explained in plain English • Bonus depreciation and why it can backfire • Depreciation recapture and ordinary income tax • Why breaking even doesn't mean zero tax • Gain vs. equity (and why investors confuse them) • How prior 1031 exchanges lower your cost basis • Where to find your adjusted basis (IRS Form 8824) • The key questions to ask your CPA before selling Many investors assume if they don't walk away with much cash, they won't owe taxes. That assumption can be very expensive. If you own rental property, commercial property, or income-producing real estate, this conversation could protect you from a surprise tax bill. Explore the full Mastering 1031 Exchange Series here:

What if your biggest retirement risk isn’t the market—but the taxes you never planned for? On this episode, Steve Hoyl digs into how taxes, risk, and income planning collide in the final stretch before retirement. The conversation covers Roth strategies, market downturns, Social Security taxation, and why a 401(k) alone isn’t a plan. It’s a candid look at the psychology of retirement and how written strategies—income, tax, and risk—work together when life and markets change. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

In this episode, host Shawn Terrell discusses how to think about timing Roth IRA conversions for a dentist who plans to exit from clinical dentistry. He uses the analogy of a long bike ride on RAGBRAI as a way to think about ideal timing.The objective for dentists like Dr. Bill is strategic timing of Roth IRA conversions to minimize tax burdens.-------------------------------Episode Resource ----------------------------------Meet with Dentist Exit Planning Advisor:Schedule Discovery Meeting-----------------------------------About Dentist Exit Planning:Website: dentistexit.comFacebook Group for DentistsYouTubeInstagramLinkedInSign-Up for Dentist Exit Email NewsletterEmail Shawn at: shawn@dentistexit.com

New Guest. Big Money Conversations.

In this episode of the SFS Power Up Wealth Podcast, James Derrick and Mikal Aune discuss the challenges of financial planning during times of global chaos and economic uncertainty. They explore how negative news and fear can paralyze decision-making and offer strategies for focusing on personal values and goals. Mikal, an optimist by nature, emphasizes the importance of staying invested and viewing market volatility as an opportunity for growth, especially using dollar-cost averaging. The conversation highlights the significance of having a solid plan, adapting to changes, and maintaining hope in American innovation and resilience.

In this episode of ThimbleberryU, we explore the concept of building and maintaining confidence under uncertainty, especially for healthcare professionals who are already accustomed to high-stress environments. The financial world often mirrors the unpredictability of healthcare. Policy changes, staffing shortages, and burnout are compounded by volatile markets and alarming news cycles. Our focus is not on prediction, but on creating confidence through structured, thoughtful planning.We start by addressing how fear-driven headlines can tempt people into making financial decisions based on emotion. Amy reminds us that headlines are built to provoke urgency, not provide clarity. Market fear is often noise, not rooted in personal financial change. Reacting impulsively often locks in losses and increases risk. That's why we advocate for responsible inaction, a deliberate choice to stay the course unless personal circumstances demand a change.A strong financial plan assumes uncertainty. It's not built for calm seas, but for the real-world storms. That means including flexibility for job changes, a sufficient cash buffer, and the ability to adapt without starting over. Confidence grows from knowing your plan already factors in the unpredictable. It's not about guessing what's next. It's about trusting the structure you've created.We dig into the concept of guardrails. These are rules and pre-decisions made in calmer moments to help reduce decision fatigue. Healthcare professionals already follow protocols in their daily work, and the same concept applies to finances. These protocols guide us through emotionally charged situations and help prevent impulsive, regrettable moves.Cash plays a unique role in confidence. For healthcare professionals, cash isn't just an emergency buffer; it's emotional relief. It offers flexibility, covers transition periods, and acts as a cushion during market downturns. However, it's also important to avoid extremes. Too little cash creates anxiety, while too much slows growth. The right amount depends on career phase, income variability, and life responsibilities.We close with the reminder that certainty isn't the goal. Resilience is. When a plan is built to withstand real life, it allows money to support your lifestyle, not compete for your attention. That's where true confidence comes from.(00:00) - Intro: Confidence Under Uncertainty(00:47) - Why Healthcare Professionals Are Feeling Financial Strain(01:25) - The Emotional Impact of Headlines(02:12) - Market Fear vs. Personal Risk(03:08) - What “Doing Nothing” Really Means(04:51) - Is Your Financial Plan Built for Real Life?(06:04) - Guardrails and Reducing Decision Fatigue(07:30) - The Role of Cash in Building Confidence(10:48) - Cash as a Confidence Tool, Not a Cop-Out(11:00) - Final Thoughts: Confidence Comes from Structure(11:33) - How to Connect with Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Small mistakes early in retirement can quietly derail even the best financial plan. In this episode of The Wise Money Show, we share five of the most common early retirement mistakes that can impact your taxes, withdrawal strategy, investment plan, healthcare costs, and long-term income. Learn how to avoid these traps and keep your retirement on track with a sustainable financial plan and proactive tax strategy.  Season 11, Episode 27 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/ktkrR5gTpP0  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

February 21, 2026: AI Expectations, Investor Bias, and the Future of SavingIt may feel like an uninspiring start to the year, but the S&P 500 is still positive year-to-date. In this week's market update, we look beneath the surface at a rotation away from the mega-cap leaders toward broader participation across the market. We'll also examine why parts of the technology sector—particularly software—have come under pressure as expectations around AI spending and growth continue to evolve.Private markets were once the domain of pension funds and institutions writing $25 million checks. That's changing. We explore how private equity, real estate, and infrastructure are becoming more accessible to individual investors through interval and evergreen funds, digital platforms, and evolving regulations that are widening the door. What does this democratization really mean—and where should investors be cautious?In a recent Wall Street Journal article, a twentysomething recently said she feels her money is safer in the stock market than in a house. That raises an important question: Are we conditioning a generation to believe markets only go up? We step back and discuss how lived experience shapes investment behavior—from Boomers who remember double-digit inflation, to Gen X and the dot-com bust, to Millennials and the housing crash, and Gen Z's era of rapid recoveries and tech-driven growth.And finally, if you're saving 18% into your 401(k) and thoughtfully splitting between traditional and Roth, you're doing a lot right. But when does it make sense to add an IRA — and should that ever come at the expense of your 401(k)? We break down contribution limits, tax diversification, investment flexibility, and fees, and how an IRA can complement a workplace plan.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 21, 2026  |  Season 40, Episode 8Timestamps and Chapters6:57: AI Expectations and the Software Slowdown21:20: Bull Markets, Bear Memories, and Generational Bias37:20: Democratizing Private Markets: Opportunity or Overreach?52:01: Is More Always Better? Adding an IRA to the Mix“Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

Entrepreneurs start businesses in pursuit of financial freedom, yet many struggle to generate consistent profit even as revenue grows. Mike Michalowicz has seen this pattern play out time and time again. While traditional accounting trains business owners to treat profit as what's left over, Mike flipped the formula. He created Profit First, a cash management system that prioritizes profit from day one and has since been adopted by over 700,000 businesses worldwide. In this episode, Mike reveals how entrepreneurs can prioritize profit, build wealth, and finally turn revenue into true financial freedom. In this episode, Hala and Mike will discuss: (00:00) Introduction (01:45) Why Profit Must Come First (09:17) Profit First Cash Management System (14:14) Target Allocation Percentages for Profit (21:14) Handling Debt and Profit Distribution (24:44) Protecting Profit and Tax Accounts (27:57) How Spending Less Drives Innovation (33:32) Choosing Profitable Customers Strategically (40:17) Managing Profit for Financial Freedom Mike Michalowicz is a bestselling author, entrepreneur, and creator of the Profit First cash management system, used by over 700,000 businesses worldwide. He has built and sold multiple multi-million dollar companies and authored influential books, including Profit First, Clockwork, and Get Different. A sought-after keynote speaker, Mike helps entrepreneurs build profitable, sustainable businesses using behavior-based financial strategies. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting. Spectrum Business - Keep your business connected seamlessly with fast, reliable Internet, Phone, TV, and Mobile services. Visit https://spectrum.com/Business to learn more. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details. Huel -  Get all the daily nutrients you need with Huel. Grab Huel today and get 15% OFF with my code PROFITING at huel.com/PROFITING.  Resources Mentioned: Mike's Website: mikemotorbike.com  Mike's Book, Get Different: bit.ly/GetDifrent  Mike's Book, Clockwork: bit.ly/Clocwork  Mike's Book, Profit First: bit.ly/-ProfitF1st  Mike's Book, The Pumpkin Plan: bit.ly/TPumpkinP  YAP E386 with Mike Michalowicz:  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Personal Finance, Wealth, Stock Market, Scalability, Investment, Risk Management, Financial Planning, Business Coaching, Finance Podcast, Saving

Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don't miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It's not the same as “no tax on Social Security” for everyone—and the Social Security tax rules still depend on income thresholds that haven't kept up with inflation. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Mancards & Oven Replacements 3:21 - OBBA & Larger Tax Refunds 10:16 - The $6k Senior Tax Deduction 16:52 - Are You Mega Roth Eligible? 21:18 - The Super Saver Endorphen 24:24 - The Roth Aging Issue 27:25 - Changes in the AMT 30:56 - OBBA & Marginal Rates Will Go Up 36:10 - Candid Coffee Preview ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Dalio at Davos: Calm Markets, Hidden Currents," here: https://youtube.com/live/mippkxiCJQI -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #Roth401k #SocialSecurity #TaxPlanning

In this episode of Advisor Talk, Frank LaRosa and Stacey Frank break down the realities behind minority equity deals in advisory practices - including what advisors often misunderstand about control, exit clauses, valuation multiples, and long-term implications.Frank explains why even a 10–20% minority stake effectively creates a partner in your business - whether you think of it that way or not - and why advisors must think beyond the upfront check and consider the unwind scenario before signing anything.They also explain the difference between taking a transition loan versus selling equity - and why one is far easier to reverse if things don't go as planned.Key questions explored in this episode:What does selling a minority stake actually mean for control?Even at 10–20%, you now have a financial partner whose incentives may influence hiring, spending, technology, and growth strategy.Is there usually an exit clause?In many cases, especially with smaller RIAs, there may be little to no unwind option. Larger firms may offer buyback terms — but often at a higher multiple if you've grown.Why are broker-dealers offering these deals now?Firms are looking to accelerate growth beyond the industry's typical 5% net new asset growth rate and to retain advisors long term.If you're a financial advisor considering selling 10–30% of your practice - or being approached with a “sell and stay” offer - this episode will help you think through the long-term consequences before you sign.Chapters:01:06 – Episode Intro03:12 – Advisor Concerns04:45 – Revenue vs Profit Share06:02 – You Now Have a Partner06:59 – Exit Clauses Explained10:16 – Control & Fees14:09 – Growth Expectations18:25 – Why Firms Invest25:28 – Don't Decide on MoneyLearn more about Elite and our resources:Elite Consulting Partners | Financial Advisor Transitionshttps://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisorshttps://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers & Acquisitionshttps://eliteadvisorsuccessions.comJEDI Database Solutions | Technology Solutions for Advisorshttps://jedidatabasesolutions.comListen to more Advisor Talk episodes:https://eliteconsultingpartners.com/podcasts/

From local politics to international conflicts, this episode covers it all: New York politics: How pro-Palestinian activists and allies of Mayor Eric Adams are sparking controversy over dogs and “cultural change.” Trump & Iran: Revisiting the killing of Qassem Soleimani and why Trump considered it a long-overdue act of justice for fallen U.S. personnel. War, vengeance, and politics: How 600+ U.S. military deaths in Iraq shaped foreign policy decisions. Financial focus: Tips on retirement planning from Common Sense Retirement Planning to maximize income and minimize risk. Accountability, culture, and strategic planning collide in this episode — from local dog bans to global conflict and financial security.

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

Entrepreneurs often believe their financial stress will disappear with the next big contract, launch, or raise. But Mike Michalowicz has seen hundreds of high-earning founders and employees still living paycheck-to-paycheck. The problem isn't income; it's behavior. Now on Spotify video! In this episode, Mike returns to break down the core principles behind his latest book, The Money Habit, revealing the psychology behind why we overspend and how small changes can create massive long-term wealth. He also shares his practical personal finance system to increase savings, eliminate debt, and achieve true financial freedom. In this episode, Hala and Mike will discuss: (00:00) Introduction (03:48) Mike's Latest Book, The Money Habit (11:14) Cash Confidence and Financial Independence (17:14) Saving for Big Life Expenses (21:24) Why Traditional Budgeting Fails (24:10) Behavioral Psychology Behind Money Decisions (30:48) The Paycheck-to-Paycheck Money Cycle (37:36) The 6 Essential Money Account System (45:21) The Four Financial Seasons (54:02) Smart Debt Elimination Strategies (57:42) Money Habit Advice for Entrepreneurs Mike Michalowicz is an entrepreneur, bestselling author, and speaker specializing in small business growth strategies. He has built and sold multiple multi-million dollar companies and is the host of the podcast Becoming Self-Made. His latest book, The Money Habit, translates his business finance principles into a practical personal finance system designed to help individuals build stronger money habits and work toward financial freedom. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting Spectrum Business - Keep your business connected seamlessly with fast, reliable Internet, Advanced WiFi, Phone, TV, and Mobile services. Visit https://spectrum.com/Business to learn more. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Working Genius - Take the assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details Huel -  Get all the daily nutrients you need. Grab Huel today and get 15% OFF with my code PROFITING at huel.com/PROFITING Resources Mentioned: Mike's Website: mikemotorbike.com  Mike's Book, Profit First: bit.ly/-ProfitF1st  Mike's Book, The Money Habit: bit.ly/MonyHabit  Mike's Podcast, Becoming Self-Made: bit.ly/BSM-apple  YAP E219 with Mike Michalowicz: youngandprofiting.co/E219   Hala's Speech at MIT: bit.ly/HTMITKN  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Career, Leadership, Mindset, Growth Mindset, Wealth, Stock Market, Scalability, Investment, Risk Management, Financial Planning, Business Coaching, Finance Podcast