Podcasts about Financial risk

Long-term care isn't just a health issue. It can become a major financial and family decision. Most of us hope we'll never need extended care, but wise stewardship means preparing for possibilities before they become a crisis. And while long-term care insurance may be part of that preparation, the first step isn't necessarily buying a policy. It's having a plan. Nathan Sanow, President of LTC Consumer and MasterCare LLC, has spent more than two decades helping individuals and families navigate long-term care planning. He says the most important place to begin is understanding what would happen if you or someone you love needed care for an extended period. Start With a Long-Term Care Plan People often hear “long-term care” and immediately think about insurance premiums. But insurance is simply one potential way to fund a larger plan. A good long-term care plan begins by asking several practical questions: Who would provide your care if you needed help? Would that person be physically and emotionally able to do it? Where would you prefer to receive care? How would your care affect your family? Most importantly, how would you pay for it? These conversations can be difficult, but they are much easier to have before a crisis occurs. Planning ahead also gives family members an opportunity to understand your wishes rather than making major decisions under pressure. What Medicare, Medicaid, and Health Insurance Actually Cover One of the most common misconceptions about long-term care is that Medicare or regular health insurance will cover the cost. In most cases, they will not. Medicare may pay for certain short-term rehabilitation services after a qualifying hospital stay. For example, someone recovering from a stroke or surgery may receive temporary rehabilitative care. But Medicare generally does not pay for ongoing custodial care—the type of help someone may need with everyday activities over an extended period. Traditional health insurance generally does not cover that kind of care either. Medicaid can pay for long-term care, but eligibility requires meeting strict financial requirements. That often means spending down assets significantly before qualifying for assistance. Another common source of confusion is long-term disability insurance. Long-term disability insurance replaces a portion of your income when you are unable to work. Long-term care coverage, by contrast, helps pay for the care you need when you can no longer adequately care for yourself. Where Long-Term Care Insurance Fits Long-term care insurance is essentially a risk-transfer tool. Instead of assuming the full financial risk of an unpredictable long-term care event, you pay a predictable premium and transfer some of that risk to an insurance company. Many policies allow considerable flexibility in how benefits are used. Depending on the policy, coverage may help pay for professional care at home, assisted living, or a long-term care facility. That flexibility matters because many people would prefer to remain at home as long as possible. Some policies also provide caregiver support services. When a long-term care event occurs, families are suddenly forced to navigate providers, facilities, benefits, and major financial decisions. Having professional guidance available during that process can be valuable in itself. How Much Does Long-Term Care Insurance Cost? The cost of coverage varies significantly depending on the type of policy, age, health, benefits selected, and length of coverage. Sanow says consumers can think of long-term care insurance much like buying a vehicle: there are inexpensive options, premium options, and many choices in between. Based on his company's experience with thousands of consumers, hybrid life and long-term care policies may cost considerably more than traditional coverage, while shorter-term policies can cost less. The important point is that coverage can often be customized. Rather than asking, “How much does long-term care insurance cost?” a better question may be, “How much of this risk do I need to insure?” A household might choose insurance that covers only part of the potential cost while planning to pay the remainder from savings or other assets. The Financial Risk of Long-Term Care The potential cost of extended care is what makes planning so important. According to figures discussed by Sano, roughly half of Americans may eventually need professional long-term care services lasting 90 days or more. Women face an especially significant risk of needing care for an extended period. And the costs can add up quickly. In some areas of the country, facility-based care can cost well over $10,000 per month. Even one year of care could consume more than $100,000. For someone with substantial savings, that may simply represent an expense they have chosen to self-insure. But for many households, an extended care event could significantly alter a retirement plan, affect a surviving spouse, or reduce assets intended for other purposes. That is why every household should at least identify how those expenses would be paid. Should You Self-Insure? Not everyone needs long-term care insurance. Some households with significant assets may be comfortable paying for care themselves. Others with limited resources may ultimately depend on Medicaid. But many families fall somewhere in between. For those households, the question is whether they could comfortably absorb a long-term care expense without jeopardizing other financial priorities. If you decide to self-insure, the plan still needs to be specific. Which assets would you use? Are those funds liquid enough to access when needed? Would spending them affect the financial security of your spouse? Simply saying, “We'll use our savings,” is not the same as having a plan. When Should You Consider Coverage? For many people, the early 50s through mid-60s can be an important window for considering long-term care insurance. Waiting too long can create challenges because premiums generally increase with age, and health problems may make coverage more difficult—or impossible—to obtain. At the same time, newer insurance products have created additional options for some older consumers who might not have qualified for traditional coverage in the past. That makes it important to evaluate your options while you are still healthy rather than assuming you can purchase coverage later. What About Premium Increases? Long-term care insurance has faced criticism over the years because some traditional policies experienced significant premium increases.  Today, however, consumers may have additional choices. Some hybrid life and long-term care policies offer premiums that are contractually guaranteed not to increase. Sanow also notes that insurers now have decades of additional claims and interest-rate data that were not available when many older policies were originally priced. That information can help companies make more informed assumptions when designing newer products. Still, consumers should understand whether premiums are guaranteed or whether they could increase over time before purchasing any policy. Newer Long-Term Care Options Long-term care products have also become more flexible. One growing option is a cash-benefit policy. Once the policyholder qualifies for benefits, the insurance company provides a set cash amount that can potentially be used more freely—including paying certain family members or other caregivers, depending on the policy. Another development is the movement from daily benefit limits toward monthly benefits. That distinction can be especially helpful for people receiving home care only a few days each week. Instead of being limited to a specific amount per day, a monthly benefit provides more flexibility in how the available benefit is used throughout the month. As always, policy details vary, so understanding exactly how benefits are calculated and paid is essential. Have the Family Conversation First Long-term care planning ultimately begins with people, not policies. Before researching insurance, sit down with your spouse, children, or other family members and talk honestly about what you would want if you needed extended care. Ask: Who would provide care? Where would you want to receive it? What would that responsibility require from your family? And where would the money come from? Once you understand the answers, you can begin evaluating whether savings, investments, insurance, or some combination of those resources should fund the plan. If insurance may be appropriate, consider working with an independent professional who understands the underwriting requirements of multiple carriers. Health standards can vary significantly between insurers, and the right guidance may help you evaluate the options available to you. Long-term care insurance isn't right for every household. But long-term care planning is something every family should consider. Preparing ahead can protect more than your finances. It can give your family clarity, preserve choices, and reduce the burden of making difficult decisions during an already stressful season.  That, too, is part of wise stewardship.  To learn more about long-term care planning and explore your options, visit LTCConsumer.com. On Today's Program, Rob Answers Listener Questions: My family and I want to buy the home we've been renting, and our landlord is offering us a good price. We have about 25% saved for a down payment. Since we already know the property, who should we work with to handle the legal documents, closing, and other purchase details? I'm 39 and expect about $100,000 from an ESOP payout in 2027. My wife and I have roughly $60,000 in credit card and tax debt. Should we use the payout to eliminate the debt or roll it into my 401(k) for retirement? I'm updating my will and would like to leave part of my estate to my three children and a meaningful portion to three ministries I support. Is that a wise and God-honoring way to structure my estate? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) LTC Consumer | MasterCare Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy White FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. 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Missy Tannen spent five years teaching third grade and a decade as a stay-at-home mom before she ever thought about starting a company. But when she couldn't find bedding that was high-quality, ethically sourced, and traceable, she and her husband Scott started Boll & Branch out of pure frustration. On this episode of She Pivots, Missy talks about betting the family's life savings on an idea, borrowing against their own house even while sales were taking off, and what it took to scale from a garage operation to a 200-person company without losing what made it different in the first place. She's brutally honest about the mess behind the milestones (a full batch of ivory sheets that came out green!) and about running a family business—that’s now worth over $250 million—with her husband while raising their kids. Chapters: 00:00 Welcome to She Pivots 01:32 From Teacher to Entrepreneur: Missy Tannen 09:23 Stay-at-home-mom 13:04 The Birth of Boll & Branch 26:15 The Wall Street Journal Breakthrough 33:54 Growing the Business and Family Involvement 39:24 Building a Sustainable Supply Chain 41:25 The Power of Community 42:32 The Tariff Challenge 45:54 Reflecting on Missy's Journey 47:09 Production Credits Check out Boll & Branch at www.bollandbranch.com Be sure to subscribe so you never miss a pivot story, leave us a rating (it really helps!), and share this episode with a woman in your life who you think needs a little inspiration. She Pivots is a podcast created by host Emily Tisch Sussman to highlight influential women voices, share stories of bold career moves, and inspire women with interviews about career reinvention and how personal pivots can redefine professional success. Join our Substack community! Subscribe here for exclusive content and to connect with other pivoters: shepivots.substack.com Learn more about the inspiring women in our pivoter community by following us on instagram @ShePivotsThePodcast, and check out our website shepivotspod.com for resources and updates. She Pivots is proud to be an iheart podcast.Support the show: https://www.shepivotsthepodcast.com/See omnystudio.com/listener for privacy information.

If you've ever lost everything (a business, a marriage, your sense of who you are) this conversation is proof that the collapse isn't the end of your story. Rick Trimmer walks through the exact math he and his wife used to climb out of $640,000 in debt: the thousand-day stretch with no pay, the decade of living on a thousand dollars a month, and the brutal conversations he had with himself and his wife about what they actually wanted. If you're in the hole right now, or you're scared of ever being in it, this is the blueprint for how a man digs out without excuses and without quitting on his family. But this isn't just a comeback story; it's a lesson in delayed gratification and what winning the game really looks like. We'll cover how to build passive income, take advantage of opportunities that scare you, and chose freedom over the appearance of success. If you're tired of chasing a lifestyle you can't afford, or you're ready to start building something that actually lasts, this conversation gives you the mindset and the moves to get there. SHOW HIGHLIGHTS 00:00 - Episode Introduction 03:05 - Introduction to Rick Trimmer and Real Business Owners 05:08 - What Sets Entrepreneurs Apart: IQ, Drive, and Delusion 07:10 - Overcoming Weaknesses and the Power of Mentorship 09:12 - Leaving Corporate Life and Betting on Yourself 11:23 - The Reality of Financial Risk and Losing It All 13:32 - Repaying $640k Debt and Working 1,000 Days Straight 17:01 - Sacrifice, Top Ramen, and Building a Foundation 23:08 - Living on $1,000 a Month to Buy Freedom 29:05 - Getting Started in Real Estate and Finding Mentors 37:49 - Creative Financing and Acquiring Rental Properties 43:30 - Hitting the Passive Income Goal and Traveling the World 49:19 - Why Financial Freedom and Time with Family is Worth the Grind 54:57 - Consumerism vs. Real Wealth 01:00:55 - The Men's Forge and the Power of Live Events 01:04:29 - Saying "Yes" to New Opportunities 01:08:36 - Where to Connect with Rick Trimmer   Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready  

Welcome back to Impact Theory with Tom Bilyeu. In today's episode, we dive deep into the risks and realities shaping the AI boom—and the hidden dangers lurking beneath the surface of the financial system powering it. Tom is joined by researcher Ed Zitron and financial analyst Stephen Yu to unravel how massive investments in AI, circular financing, and shadow banking are pushing unprecedented risk into the world's economy. We'll explore how companies like Microsoft, Google, and Amazon are propping up unprofitable AI ventures, why much of the industry's growth is riding on just a few players, and what this means for your 401(k) and the broader financial landscape.From complex accounting maneuvers to eye-popping numbers behind AI data center buildouts, today's conversation exposes the ways risk is being shifted from banks to average investors, drawing parallels to past financial crises. Is AI the new too-big-to-fail industry? Are we witnessing history repeating itself? Most importantly, how can you position yourself to weather a potential storm?Strap in as we break down the circular financing of AI, the reality behind the growth narrative, and the vital questions every investor needs to ask in this high-stakes game. Let's get started.Quince: Free shipping and 365-day returns at https://quince.com/impactpodWhatnot: Download the Whatnot app today and get free shipping on your first order.Quo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactIncogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Pique: 20% off at https://piquelife.com/impactShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSurfshark: Go to https://surfshark.com/TOMB or use code TOMB at checkout to get 4 extra months of Surfshark! ATT Business: Switch to AT&T Business at business.att.comKetone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderNetsuite: For the first time ever you can try NetSuite Next for free. If your revenues are at least in the seven figures, go to https://NetSuite.ai/Theory.Sign up for my AI Masterclass: https://tombilyeu.com/ai-masterclass?utm_campaign=TBS-Livestream&utm_source=youtube&utm_medium=social Check us out wherever you get your podcasts:Spotify:https://open.spotify.com/show/1nARKz2vTIOb7gC9dusE4b?si=a8daffd2bf1f48fdApple: https://podcasts.apple.com/us/podcast/tom-bilyeus-impact-theory/id1191775648Do you need my help STARTING a business? Join me here inside ZERO TO FOUNDER: (https://tombilyeu.com/zero-to-founder)Get the exact systems, mindset shifts, and principles that built a $1B brand delivered straight to your inbox every week. Subscribe for free (https://tombilyeu.com)Check out our Video game - Project Kyzen: (https://projectkyzen.io/)Catch Me Streaming on Twitch - (https://twitch.tv/tombilyeu)Link to IT discord: https://discord.gg/TZKJ2etPbTTom's Favorite Things List: https://amzn.to/41Ftt7eFor Business inquiries: connect@impacttheory.comFOLLOW TOM:Instagram: https://www.instagram.com/tombilyeu/Twitter: https://twitter.com/tombilyeuYouTube: https://www.youtube.com/@TomBilyeuSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What's the deal with AI? Can it manage your money? Can it make you rich? Artificial Intelligence is changing much more than how we invest. It could fundamentally reshape careers, incomes, financial advice and the way we build wealth. In this episode of the Capitalmind Podcast, Shray Chandra, Co-founder at Capitalmind Financial Services, speaks with Deepak Shenoy, Founder & CEO of Capitalmind Mutual Fund, and Vashistha Iyer, Executive Director, Capitalmind Mutual Fund, about one of the biggest questions facing investors today: Can AI optimize your investments - and what happens if it also changes your ability to earn? The conversation explores: • Can AI replace financial advisors and portfolio managers? • Where AI is genuinely useful for investors today • Why judgment and accountability still matter in investing • How to use AI to research mutual funds, portfolios and financial decisions • Why AI may impact your income more than your investments • How much emergency fund you may need in an AI-driven world • Should you rethink savings, investing and career planning? • Why human capital could become your most important asset • How AI changes portfolio construction and financial decision-making • The opportunities-and risks-of using AI for investing Rather than asking whether AI can beat the market, this episode asks a more important question: How should investors prepare for a future where AI changes both wealth creation and income generation? Whether you're an investor, professional, entrepreneur or simply curious about AI's impact on personal finance, this conversation offers practical frameworks instead of predictions. Speakers • Deepak Shenoy - Founder & CEO, Capitalmind Mutual Fund • Vashistha Iyer - Executive Director, Capitalmind Mutual Fund • Shray Chandra - Co-founder, Capitalmind Financial Services Chapters 00:00 Everyone Is Asking the Wrong AI Question 01:52 Can AI Really Optimize Your Investments? 05:11 Context Beats Algorithms in Investing 09:22 Where AI Can Actually Help Investors 15:22 Why Human Judgment Still Matters in Investing 19:43 Could AI Replace Financial Advisors? 22:48 Why Accountability Still Matters 26:00 How We Use AI at Capitalmind 29:44 Will AI Give Big Investors an Edge? 41:24 The Bigger AI Risk: Your Income 43:25 Should You Increase Your Emergency Fund? 49:44 Invest in Yourself Before Anything Else 1:00:39 The Next Battle: AI Optimization 1:05:25 Could the AI Bubble Burst? 1:06:50 Final Advice for Investors 1:08:42 Closing Thoughts  If you enjoy thoughtful conversations on investing, mutual funds, markets and personal finance, subscribe to the Capitalmind Podcast for new episodes every week.

Send us Fan MailWhat if your job was to identify financial dangers before they become costly mistakes?In this episode of The Kapeel Gupta Career PodShow, we explore the exciting and future-ready career of a Financial Risk Analyst—a professional who helps banks, financial institutions, fintech companies, insurers, and corporations measure, manage, and reduce financial risk. Discover the scope of Financial Risk Analyst careers in India and abroad, salary potential, required skills, educational pathways, the importance of FRM certification, and the top colleges that can help you enter this high-value profession.If you enjoy finance, economics, analytics, problem-solving, and strategic thinking, this could be one of the smartest career options for your future.Timestamp0:00 - Who is a Financial Risk Analyst?3:00 - Scope in India5:32 - Opportunities Abroad6:41 - Nature of Work9:48 - Educational Qualifications Needed11:34 - Top Universities in India and Across the World13:27 - Skills Needed15:08 - Salary in India and Abroad16:55 - Conclusion18:!9 - Call to Action

In this episode, Mark Maiocca shares his journey from an accidental entry into mortgage origination to building a system that helps professionals create synergistic partnerships. He emphasizes the importance of relationships, value addition, and community in business and personal growth.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

The current structural shift centers on the transfer of accountability for AI risk from vendors and regulators to managed service providers (MSPs). Vendors such as Anthropic and Microsoft are expanding their enterprise-focused AI channel programs and services tracks, while regulators pull back from enforcement, leaving MSPs as the de facto accountable parties for AI deployments. Reports and data indicate that vendor-driven channel expansion and regulatory laxity are converging to make service providers the liable layer in AI delivery. Anthropic is broadening its CLAUDE partner network from around 100 to several thousand partners, organized in tiers with outcome-based incentives and a dedicated services track targeting MSPs and system integrators. Microsoft, responding to low Copilot adoption rates (reported at 3.3% of eligible users), is allowing full removal of Copilot from systems. An IDC/Expereo survey of 800 companies found 70% are budgeting for AI, but investment is driven more by competitive anxiety than proven results. Additionally, a concentrated group—top 5% of users—accounts for the bulk of enterprise AI-related risk, according to a separate analysis. Supporting developments include the emergence of Lemhi, an early-stage platform aimed at enabling MSPs to package and sell AI transformation as a recurring service, and warnings from lawmakers about cuts to CISA that undermine federal cyber defense capacity. The episode also highlights a consistent theme: government agencies such as the White House and NIST are shifting toward voluntary measures and measurement frameworks, declining to create enforceable accountability standards for AI in production environments. For MSPs and IT leaders, these developments translate to increased contract and operational risk. Without renegotiated agreements specifying usage ceilings, approval workflows, and liability terms, providers may inherit unpredictable financial exposure and compliance gaps. The absence of effective governance requirements from both vendors and authorities places the operational burden on MSPs to define, monitor, and enforce safe use of AI, including recurring governance services such as data boundary enforcement and audit evidence. Failure to address these issues may result in MSPs acting as uninsured support for unmanaged AI deployments they cannot fully control or price. 00:00 MSP AI Play  04:24 AI's Accountability Gap 06:50 MSP Risk Transfer 09:49 Why Do We Care?  Supported by:  ScalePad Moovila 

Imagine starting your business without the fear of financial instability or failure.So many moms feel a deep pull toward entrepreneurship, But there are also real fears holding us back:Fear of financial instability.Fear of failure.Fear of not knowing how it's going to "pan out".How to Start a Business Without Financial Risk is a free live webinar that will help you to see exactly how to protect your finances AND grow your confidence around starting.Reserve your spot for free here: https://how-to-quit-your-job.captivate.fm/june-webinar

https://hub.controlandcompound.com/business-masterclass-webinar-replay   Most people think financial risk means stock market volatility. But in this episode, Darren and Christina will show you the real risks Canadians face are much bigger… and most people don't realize them until it's too late.   In this episode, they discuss: Canada's growing debt and deficits Why future taxes are one of the biggest risks to retirement RRSP and RRIF tax traps Cottage and estate taxes Corporate tax risks for business owners Loss of financial control Sequence of returns risk Why wealthy families prioritize liquidity and planning The risk of waiting too long to make decisions   This episode is packed with practical insights for business owners, retirees, investors, and anyone serious about protecting and compounding wealth over the long term.   Show notes: 00:00 - Introduction 01:53 - What Financial Risk Really Means 04:29 - Canada's Debt and Deficit Problem 09:34 - The RRSP Tax Trap 12:50 - Cottage Taxes at Death 15:27 - Corporate Tax Risks for Business Owners 19:09 - Why Control Matters 21:40 - Sequence of Returns Risk Explained 25:18 - The Biggest Risk: Doing Nothing 28:51 - What Wealthy Families Do Differently 31:06 - Final Thoughts on Protecting Wealth FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound    TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

The Insurance Gap Putting Indian Families At Financial Risk is a timely conversation with Financial Journalist Govindraj Ethiraj and Asit Rath, MD and CEO of Aviva India, on why life insurance in India remains misunderstood even as families face rising medical costs, retirement uncertainty, and long-term financial risk.In this episode of The Core Report Weekend Edition, Asit Rath explains why many Indians are still underinsured, why term insurance and protection cover are harder to sell than health insurance, and why the real challenge is not claim settlement but trust, awareness, and the way insurance is explained.The conversation covers life insurance in India, ULIPs, retirement planning, medical inflation, critical illness cover, AI in insurance, digital underwriting, claim settlement, and the growing protection gap among Indian families, salaried professionals, business owners, and young earners.How much life cover is enough for a family?Why do many Indians rely mainly on employer insurance?Are ULIPs still useful for long-term wealth creation?Why is medical inflation making protection planning more urgent?Can AI and digital insurance platforms make the industry more transparent?Asit Rath also explains why insurance should be seen as a social industry, how better distribution and consultative selling can reduce mis-selling, and why retirement planning may become one of India's biggest financial challenges in the coming decade.Tune in for a insights on all types of insurance and the future of India's insurance industry.For more of our coverage check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecore.in⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠

The following article of the Sustainability industry is: 'Biodiversity and Financial Risk: Mexico's Path to Nature-Positive' by Alba Aguilar, General Director, Consejo Mexicano de Finanzas Sostenibles. 

How do leaders stay steady in the storm of tough choices? This week, I sit down with Jack Briggs, a retired major general with a 30-year career in the military who is also a highly seasoned, for a masterclass in pressure-tested decision making.The episode debunks the myth that high-stakes choices are unique to the military or boardroom. Instead, Jack argues, “pressure is pressure,” whether the risk is reputational, operational, or personal. The discussion highlights the three traits of the best decision makers: anchoring decisions in firm principles, seeking help with humility, and making the call… decisively, not reactively.Listeners will come away with four essential questions to use in any crisis and learn why reframing “crises” into a set of solvable problems is vital for calm, effective leadership. This conversation is a must for anyone seeking practical, repeatable strategies to lead well, even when the stakes—and the anxieties—are high.What You'll Learn- Anchor your decisions in principles.- Lead with humility and build your team.- Distinguish between problems and crises.- The power of a structured decision framework.- Be decisive and own the outcome.- Focus on your sphere of influence.Podcast Timestamps03:18 Jack's origin story: from the Thunderbirds to the Air Force Academy05:37 When leadership first appeared: Boy Scouts, the leadership laboratory, and the Eagle Scout07:37 The Air Force Academy as a leadership lab: authority vs. responsibility10:42 Being the snowplow: how to delegate without abandoning accountability14:11 Leadership is a science and an art: training the recipe, then adapting it16:41 Combat to boardroom: why pressure is pressure regardless of context19:19 Defending North America: leading at continental scale21:28 The three characteristics of the best decision makers23:24 The archer analogy: principles, input, decisiveness26:45 What leaders get wrong: fighting the fight they wish they had28:06 Mob rule, Moses, and principled decision-making32:11 Crisis vs. problem: why language matters under pressure33:10 Snowstorms and problem buckets: a real-world example35:26 The four questions for high-stress decisions40:01 Checklists that work: laminate it and they will keep it43:18 Humility plus decisiveness: being disagree-able45:36 Choosing the least worst option and owning it48:35 Final thoughts: stop chasing outcomes, start leading in your three feetKEYWORDSPositive Leadership, Decision Making, Decision Making Under Pressure, Humility, Air Force Career, Military Leadership, Air Force Academy, Leadership Lab, Principles-Based Decisions, Delegating Authority, Crisis Management, Operational Risk, Financial Risk, Reputational Risk, Pressure in Leadership, Crisis vs Problem, Crisis Communication, CEO Success

On this episode: Finding a place for your money, IN and OUT of the stock market. When should you do your Roth conversion? The mistake retirees don’t seem to learn. Like this episode? Hit that Follow button and never miss an episode!

Don and Tom kick things off with a colorful history lesson on 19th-century “bucket shops,” drawing a sharp parallel to today's emerging world of tokenized securities—digital representations of stocks traded on blockchain platforms. While proponents tout 24/7 trading and faster settlement, the hosts question the real value, highlighting added complexity, thin trading, pricing deviations, and unclear ownership structures. They frame tokenized investing as a solution in search of a problem—one that primarily serves speculators rather than long-term investors. The episode reinforces a familiar theme: avoid unnecessary complexity, ignore trading temptations, and stick with disciplined, low-cost investing. Listener questions cover whether retirees still need life insurance (generally no, if financially secure) and clarify that rebalancing means selling winners and buying laggards—not chasing losses.0:05 Intro and setup with historical market story0:24 Bucket shops explained—early stock market gambling1:50 Transition to modern “tokenized securities”2:35 What tokenized stocks are and how they trade 24/75:27 Blockchain explained in plain English6:23 Ownership confusion—what do you actually own?7:53 Custodian risk and structural concerns8:33 Pricing issues and thin trading risks9:01 Tokenization compared to past financial “innovations” (CDOs)10:54 Why investors should ignore tokenized securities11:26 New call-in system for podcast listeners12:03 Listener question: keep or drop term life insurance in retirement13:02 Why life insurance is unnecessary for financially secure retirees15:05 Listener question: selling losers vs. rebalancing16:05 Proper rebalancing strategy explained (sell high, buy low)17:31 Jack Bogle philosophy—do less, win moreQuestions? Comments? Click!

Today's show features: - Jeremy Nowling, Sales and Implementation Director at Rohrman Automotive Group

 - Doug Karr, Principal SEO at Overfuel

 - Michael Beauregard, Supervisory Special Agent at NICB This episode is brought to you by: Overfuel – Dealers: You're torching $30 of every $100 in marketing spend when your site flunks Google's basic performance test. Why keep using outdated website technology that's killing your profits? Overfuel is the new technical standard in automotive websites, proven to grow sales by 30%+. Whether you need more revenue or better support, they've got you covered. Go to https://overfuel.com/ and use code CDG500 in the comment box for $500 OFF. Check out Car Dealership Guy's stuff: CDG Circles ➤ ⁠https://cdgcircles.com/⁠ CDG News ➤ ⁠https://news.dealershipguy.com/⁠ CDG Jobs ➤ ⁠https://jobs.dealershipguy.com/⁠ CDG Recruiting ➤ ⁠https://www.cdgrecruiting.com/⁠ My Socials: X ➤ ⁠https://www.twitter.com/GuyDealership⁠ Instagram ➤ ⁠https://www.instagram.com/cardealershipguy/⁠ TikTok ➤ ⁠https://www.tiktok.com/@guydealership⁠ LinkedIn ➤⁠ https://www.linkedin.com/company/cardealershipguy/⁠ Threads ➤ ⁠https://www.threads.net/@cardealershipguy⁠ Facebook ➤⁠ https://www.facebook.com/profile.php?id=100077402857683⁠

A weaker-than-expected employment report, and increasing geopolitical concerns, are leading to significant market volatility. How should investors make sense of this environment? Josh Schiffrin, Chief Strategy Officer and Head of Financial Risk for Goldman Sachs Global Banking & Markets, discusses with Chris Hussey on the Goldman Sachs trading floor.  Recorded on March 6, 2026.  The opinions and views expressed herein are as of the date of publication, subject to change without notice, and may not necessarily reflect the institutional views of Goldman Sachs or its affiliates. The material provided is intended for informational purposes only, and does not constitute investment advice, a recommendation from any Goldman Sachs entity to take any particular action, or an offer or solicitation to purchase or sell any securities or financial products. This material may contain forward-looking statements. Past performance is not indicative of future results. Neither Goldman Sachs nor any of its affiliates make any representations or warranties, express or implied, as to the accuracy or completeness of the statements or information contained herein and disclaim any liability whatsoever for reliance on such information for any purpose. Each name of a third-party organization mentioned is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Goldman Sachs. A transcript is provided for convenience and may differ from the original video or audio content. Goldman Sachs is not responsible for any errors in the transcript. This material should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Goldman Sachs. Disclosures applicable to research with respect to issuers, if any, mentioned herein are available through your Goldman Sachs representative or at http://www.gs.com/research/hedge.html Goldman Sachs does not endorse any candidate or any political party. Copyright 2026. All rights reserved. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is a free live webinar that will help you to see exactly how to protect your finances AND grow your confidence around starting a business. Join us Friday, Feb. 20th @ ​​​​​​​1pm ET/ 10am PT Click the link to sign up: https://how-to-quit-your-job.captivate.fm/risk I can't wait to see you there!

On this episode of the Ballard Spahr Consumer Finance Monitor Podcast, we examine consumer debt and bankruptcy through the lens of Debt's Grip: Risk and Consumer Bankruptcy (University of California Press, 2025), by Pamela Foohey, Robert M. Lawless, and Deborah Thorne. Based on decades of research from the Consumer Bankruptcy Project, the nation's most comprehensive study of bankruptcy filers, Debt's Grip goes beyond aggregate data to document the lived experience of financial distress. The book shows how illness, job loss, aging, family structure, debt collection, and racial inequality converge to push households toward bankruptcy and what that reveals about how financial risk is allocated in the U.S. economy. Rather than treating bankruptcy as a personal failure, the authors demonstrate how policy choices over time shifted economic risk from institutions to individuals, leaving many households one unexpected expense away from crisis. Those risks fall unevenly, with Black families, single mothers, and older Americans disproportionately affected. The Authors Pamela Foohey, Allen Post Professor of Law, University of Georgia School of Law, is a principal investigator with the Consumer Bankruptcy Project and a leading scholar on bankruptcy and financial distress. Robert M. Lawless, Max L. Rowe Professor of Law, University of Illinois College of Law, is a nationally recognized empirical scholar of bankruptcy and consumer finance and a principal investigator of the Consumer Bankruptcy Project. Deborah Thorne, Professor of Sociology at the University of Idaho, brings a critical sociological lens, foregrounding the voices and experiences of bankruptcy filers. She also is a principal investigator of the Consumer Bankruptcy Project. Podcast Highlights In the episode, we discuss: ·        Why people actually file for bankruptcy ·        The debts most likely to lead to financial collapse ·        How households struggle to stay afloat before filing ·        The role of debt collection and litigation ·        How people come to see bankruptcy as a solution ·        Policy reforms that could reduce reliance on credit during hardship Key Takeaways ·        Bankruptcy is rarely about irresponsibility. It is often the endpoint of systemic risk-shifting. ·        Financial distress is structurally unequal. Race, age, gender, and health matter. ·        Filers exhaust alternatives before filing. Bankruptcy reflects resilience under pressure, not moral hazard. ·        Policy choices matter. Stronger safety nets and a more humane bankruptcy system can reduce financial harm. Conclusion Debt's Grip offers a rigorous, data-driven, and deeply human account of consumer bankruptcy in America. It challenges entrenched myths and provides valuable insight for policymakers, regulators, and industry participants alike. We thank Professors Foohey, Lawless, and Thorne for joining the podcast and for their important contribution to the field. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

A sudden $3,000 medical bill sets the stage for a candid look at why emergency funds can make or break your retirement strategy. Steve Hoyl breaks down the rising pressures on American savers — from unexpected healthcare costs to political market swings — and reveal how simple habits can build real financial resilience. They explore risk tolerance, retirement red zones, and the psychological hurdles couples face when planning their future. This episode empowers listeners to understand their vulnerabilities and take practical steps toward a steadier retirement path. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

When retirement planning feels overwhelming, the real risk might be not knowing what you don’t know. On this episode, Derrick Caldwell breaks down the truth about annuities, long‑term care costs, and the misconceptions that can derail a secure retirement. They explore how income planning, risk transfer, and customized strategies can help you navigate rising healthcare expenses and avoid burdening your family. With real stories and practical insights, this conversation helps listeners understand the decisions that shape their financial future. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

This weekend’s episode kicks off with a surprising question: What does your home thermostat have to do with your retirement plan? Abe Abich breaks down how everyday habits mirror the financial decisions that shape your future. From finding the right “risk temperature” to managing taxes, preserving savings, and avoiding costly mistakes, this episode highlights real examples from families across the D.C. metro area navigating retirement with clarity. A practical, down‑to‑earth conversation from this past weekend’s radio show that helps listeners rethink how they prepare for the years ahead. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you sure your retirement plan can withstand the realities of the future? On this episode, Steve Hoyl breaks down the overlooked decisions that shape your financial life after work. From income gaps and spending habits to risk exposure, outdated 401(k)s, taxation, and maximizing every asset, they reveal how thoughtful pre‑retirement planning helps you stay in control. Learn how everyday choices, forgotten accounts, and evolving tax laws influence long‑term stability—and why understanding your numbers today matters for tomorrow. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

It was a simple executive-change notice, the kind that dots the financial press nearly every day. Todd Combs, one of Warren Buffett's senior managers, would be leaving Berkshire Hathaway to form a new unit at JPMorgan Chase. But this was far from an ordinary management change. For the first time in nearly a century, the fabled House of Morgan would invest its own capital in the stock market.

It was a simple executive-change notice, the kind that dots the financial press nearly every day. Todd Combs, one of Warren Buffett's senior managers, would be leaving Berkshire Hathaway to form a new unit at JPMorgan Chase. But this was far from an ordinary management change. For the first time in nearly a century, the fabled House of Morgan would invest its own capital in the stock market.

What did we learn from the Federal Reserve about the likely path of monetary policy in 2026 – and where are the best trades right now? Josh Schiffrin, Chief Strategy Officer and Head of Financial Risk for Goldman Sachs Global Banking & Markets, discusses with Chris Hussey on the Goldman Sachs trading floor.   This episode was recorded on December 11, 2025. The opinions and views expressed herein are as of the date of publication, subject to change without notice, and may not necessarily reflect the institutional views of Goldman Sachs or its affiliates. The material provided is intended for informational purposes only, and does not constitute investment advice, a recommendation from any Goldman Sachs entity to take any particular action, or an offer or solicitation to purchase or sell any securities or financial products.  This material may contain forward-looking statements.  Past performance is not indicative of future results. Neither Goldman Sachs nor any of its affiliates make any representations or warranties, express or implied, as to the accuracy or completeness of the statements or information contained herein and disclaim any liability whatsoever for reliance on such information for any purpose.  Each name of a third-party organization mentioned is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Goldman Sachs.  A transcript is provided for convenience and may differ from the original video or audio content.  Goldman Sachs is not responsible for any errors in the transcript. This material should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Goldman Sachs.    © 2025 Goldman Sachs. All rights reserved. Learn more about your ad choices. Visit megaphone.fm/adchoices

It was a simple executive-change notice, the kind that dots the financial press nearly every day. Todd Combs, one of Warren Buffett's senior managers, would be leaving Berkshire Hathaway to form a new unit at JP Morgan Chase. But this was far from an ordinary management change. For the first time in nearly a century, the fabled House of Morgan would invest its own capital in the stock market.

The Power of a Second Income — Why One Paycheck Is the Biggest Financial Risk of Your Life Depending on a single income stream today is like walking a tightrope with no safety net. Corporate layoffs. Rising cost of living. Entire industries shifting overnight. So here's the real question:

Thanks to our Partners, NAPA TRACS, Today's Class, KUKUI, and Pit Crew Loyalty Watch Full Video Episode It's time to dig into real-world strategies for managing debt and strengthening the financial foundation of your auto repair business. Shiju Thomas,Hotchkiss Auto RepairDustin Brown,Brown Auto ExpertsHunt Demarest, CPA,Paar Melis and Associates The first big takeaway: Cash is king.Our panel emphasizes the power of maintaining healthy cash reserves—ideally three to six months of operating expenses—to safeguard your shop against unexpected disruptions. If the pandemic taught us anything, it's that cash on hand can be the difference between surviving and scrambling. Another core theme is recognizing the difference between good debt and “bad debt.” Good debt includes real estate and other collateral-backed loans that appreciate, add stability, and support long-term growth. Bad debt includes high-interest burdens like merchant cash advances or short-term credit card loans—products that drain cash flow fast and offer zero assets in return. The panel also addresses a common pain point: “Why doesn't my bank balance match my profit?”The answer lies in understanding the cash flow statement—specifically, that principal payments don't appear on the P&L, even though they hit your bank account hard. Their guidance: pay off high-interest debt first, but don't erase debt so aggressively that you end up “debt-free but cash-poor.” Cash matters just as much as debt reduction. Bottom line: Be intentional with your money. Understand your numbers. And approach debt reduction as a strategy, not a sprint. Additional Resources: - How to Grow Your Shop Without Losing Control [RR 1046]: https://remarkableresults.biz/remarkable-results-radio-podcast/e1046/ - Business by the Numbers with Hunt Demarest: Understand the Numbers of Your Business with CPA Hunt Demarest. https://huntdemarest.captivate.fm/ Thanks to our Partner, NAPA TRACS NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Thanks to our Partner, Today's Class Optimize training with Today's Class: In just 5 minutes daily, boost knowledge retention and improve team performance. Find Today's Class on the web at https://www.todaysclass.com/ Thanks to our Partner, KUKUI Stop juggling multiple marketing tools. KUKUI's integrated platform delivers 4x better website conversions, automated follow-up, and real-time ROI tracking. Get industry-leading customer support with KUKUI at

What role do central banks play in addressing climate change? Dr Kevin Stiroh, former Federal Reserve and now at Resources for the Future, examines how to frame climate change as a systemic financial risk, what's at stake, and why evolving macroprudential and microprudential frameworks is essential.

Tariffs; Financial Risk; Epstein; MTG; Hamas; Settlers; Chile; Mexico; UK | Yaron Brook Show

Certified financial planner Paul Morton discusses his article "Physician practice ownership: risks, rewards, and reality." Paul breaks down the massive differences between an employed physician's financial journey and that of an equity owner physician, exploring the reasons doctors choose the high-risk, high-reward path of private practice: the desire for control over patient culture, the "visionary" mindset, and the potential for a nonlinear financial reward. Paul dives into the challenging realities of managing overhead, dealing with inconsistent income from reimbursements, and the critical importance of strategic tax planning. This episode is a must-listen for any physician weighing the risks of entrepreneurship against the massive potential payoff of a "liquidity event." Learn the financial strategies that separate struggling practice owners from the highly successful ones. Our presenting sponsor is Microsoft Dragon Copilot. Want to streamline your clinical documentation and take advantage of customizations that put you in control? What about the ability to surface information right at the point of care or automate tasks with just a click? Now, you can. Microsoft Dragon Copilot, your AI assistant for clinical workflow, is transforming how clinicians work. Offering an extensible AI workspace and a single, integrated platform, Dragon Copilot can help you unlock new levels of efficiency. Plus, it's backed by a proven track record and decades of clinical expertise, and it's part of Microsoft Cloud for Healthcare, built on a foundation of trust. Ease your administrative burdens and stay focused on what matters most with Dragon Copilot, your AI assistant for clinical workflow. VISIT SPONSOR → https://aka.ms/kevinmd SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

On today's episode of The Jon Sanchez Show, we discuss the risks couples face when only one partner understands the household finances. The conversation covers how to organize key accounts and documents, what to consider if a partner becomes ill or passes away, and ways both spouses or partners can feel more informed and prepared.This educational discussion is designed to help listeners in Reno, Nevada and beyond think about financial planning as a team and encourages them to consult with a qualified financial professional about their own situation.

Are you risking your retirement on just a handful of stocks? This past weekend’s radio show dives into the hidden dangers of over-concentration in today’s market, the “Magnificent Seven” stocks, and why diversification is crucial as you approach retirement. Plus, Abe Abich spotlights the unique financial challenges women face and the importance of planning for life’s unexpected turns. Real listener stories and expert advice make this episode a must-hear for anyone nearing retirement or navigating the great wealth transfer. Tune in for practical insights and strategies you can use now. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are Roth conversions really the golden ticket for your retirement—or could they push you into a costly tax trap? In this episode, Abe Ashton and Ethan break down the complexities of Roth conversions, reveal why the “big, beautiful bill” isn’t a one-size-fits-all solution, and explore new portfolio strategies like the 50-30-20 mix. Plus, learn who should—and shouldn’t—consider private equity in their 401(k). As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. Tune into Abe and his team on Tuesday at 5:30pm on Patriot Radio KSGO. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

- Announcement of the AI Model Release (0:10) - Development and Training of the AI Model (3:08) - Details on Downloading and Using the AI Model (6:29) - Features and Capabilities of the AI Model (34:46) - Potential Impact and Future Developments (35:05) - Special Report on the Tennessee Munitions Plant Explosion (56:31) - China's Ban on Rare Earth Mineral Exports (1:04:46) - Preparation for Potential Conflicts and Financial Chaos (1:13:39) - Interview with John Jay Singleton on Crypto Taxation (1:15:50) - Unrealized Gains and Tax Implications (1:20:46) - Challenges with AI and Legal Advice (1:23:08) - Crypto Taxation and IRS Policing (1:25:01) - Legal Strategies for Crypto Taxation (1:27:09) - Structuring Financial Risk and Tax Avoidance (1:31:27) - Family Court and Financial Risk (1:59:32) - The Role of AI in Legal and Financial Strategies (2:07:29) - The Future of Crypto and Financial Systems (2:07:42) - The Importance of Legal Education and Self-Reliance (2:17:47) - The Role of Unas in Financial Planning (2:19:38) - Gold and Silver Price Trends (2:27:02) - Battalion Metals and Gold Backs (2:28:46) - Gold Backs and Legal Tender Recognition (2:30:01) - Financial Advice and Historical Context (2:33:59) For more updates, visit: http://www.brighteon.com/channel/hrreport  NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

Taking risks with your money, career, or life goals isn't easy, especially if you don't feel secure. In this episode, Tim Ulbrich, PharmD, explores how to build both the financial and emotional foundation you need to step out of survival mode and start taking calculated risks with confidence. Episode Summary Without security, it can be difficult to take risks. In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, shares how to build the financial and emotional foundation you need to move past survival mode and take bold, calculated risks You'll learn: ✅ Why having a financial “floor” is essential before taking risks ✅ How emotional security plays into financial decision-making ✅ Practical steps to create stability so you can pursue opportunities ✅ The balance between playing it safe and going after bold goals Whether it's investing, starting a new business venture, or chasing a dream, this conversation will help you create the security you need to move forward. Mentioned on the Show Watch the Your Financial Pharmacist Podcast on YouTube Learn More About Your Financial Pharmacist  

Is retirement really the most financially complex time of your life? That's what Fiona Greig, Vanguard's Global Head of Investor Research thinks. Mike Canet and Ryan Herbert dive into this question and unpack why the transition from saving to spending is more than just a financial shift—it’s an emotional and strategic overhaul. They explore how identity, income, taxes, estate planning, and long-term care all collide in retirement, and why working with a “phase two fiduciary” is critical to avoid costly missteps. Hear how one investor’s $14 million Bitcoin decision turned into a tax nightmare, and why timing and planning matter. Want to begin building your retirement and tax plan? Schedule a 15-minute call with us here:

In this episode, we delve into the critical importance of financial independence and the role skepticism plays in achieving it. Join us as we explore strategies for building a secure financial future and discuss how questioning conventional wisdom can lead to smarter financial decisions. Whether you're just starting your financial journey or looking to refine your approach, this conversation offers valuable insights and practical advice. Tune in to empower your financial mindset!

With a September rate cut looking increasingly likely, where are the opportunities in bond, currency, and equity markets? Josh Schiffrin, Chief Strategy Officer and Head of Financial Risk for Goldman Sachs Global Banking & Markets, discusses with Mike Washington on the Goldman Sachs trading floor.   This episode was recorded on August 14, 2025. Learn more about your ad choices. Visit megaphone.fm/adchoices

The FDA has begun urging manufacturers to treat cybersecurity risk management as a material business concern. Hal Porter, Director of Consulting Services, Clearwater, speaks with Allyson Maur, Associate, McGuireWoods, about the implications of the FDA's growing focus on cybersecurity as a core component of medical device safety and financial risk and what that shift means for legal, compliance, and risk professionals. They discuss how manufacturers and providers should navigate these expectations, how legal teams can prepare for regulatory scrutiny, and how cyber risk in the device ecosystem is quickly becoming a board-level issue. Sponsored by Clearwater.Watch this episode: https://www.youtube.com/watch?v=3Y9R5kwRqeULearn more about Clearwater: https://clearwatersecurity.com/ Essential Legal Updates, Now in Audio AHLA's popular Health Law Daily email newsletter is now a daily podcast, exclusively for AHLA Premium members. Get all your health law news from the major media outlets on this podcast! To subscribe and add this private podcast feed to your podcast app, go to americanhealthlaw.org/dailypodcast. Stay At the Forefront of Health Legal Education Learn more about AHLA and the educational resources available to the health law community at https://www.americanhealthlaw.org/.

What do meme stocks, credit card traps, and Carrie Underwood’s budgeting habits have in common? In this episode, Art McPherson dives into the realities of financial risk, legacy planning, and long-term care—peppered with personal stories and real talk. From navigating high-interest loans to understanding the 4% retirement rule, Art offers practical insights for building a secure financial future. Plus, hear Carrie Underwood’s take on conservative spending and why planning ahead is key, no matter your net worth. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode of the A Wiser Retirement® Podcast, we cover how principles from aviation, like threat and error management, proactive and reactive planning, and strong team communication, can be applied to personal financial planning. Casey Smith is joined by airline Captain Evan Bogan to explore how pilots handle unexpected challenges and how families can do the same with their finances. From building a rainy day fund to managing opportunity money and avoiding unnecessary fees, they offer valuable insights for anyone looking to strengthen their financial flight plan.Related Podcast Episodes:- Ep 253: Navigating the Future of the Airline Industry- Ep 264: Shaping the Future of Aviation: Key Leadership Skills for Pilots- Ep 194: Delta, American & United: Who's Got the Best Pilot Retirement Offering? Related YouTube Videos:- New Delta Airlines Nonqualified Deferred Compensation (NQDC) Plan for Pilots - Pilots: Roth or No Roth... That's the Question- Why Financial Planning is Different for PilotsLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Jodie Arthur and Melissa Stewart are non-executive directors at ICMEC Australia. ICMEC combats online child sexual exploitation, collaborating with financial services, law enforcement, and other stakeholders. Jodie discusses the systemic issue of child exploitation and the importance of collective action and compliance by design. Melissa emphasizes the interconnectedness of child exploitation and modern slavery, advocating for integrated ESG frameworks and collaboration with tech companies. They highlight ICMEC's Lighthouse project, which transforms global data into actionable insights for banks to detect and disrupt child sexual exploitation.   SHOW NOTES01:24 Career Journey 13:52 Role of ICMEC and Its Focus 18:07 Intersection of Child Sexual Exploitation and Financial Services 28:10 Best Practices and Collaboration 31:52 Final Advice for GRC Professionals Get Transcript and Resources: https://www.riskywomen.org/2025/07/podcast-s8e10-business-leadership-in-preventing-child-sexual-exploitation/

The outbreak of armed conflict between the two nations is a perilous new front in the ongoing Middle East hostilities. In this Viewsroom podcast, Breakingviews columnists discuss the dissonance between a mild market response and the manifold paths to further escalation. Visit the Thomson Reuters Privacy Statement for information on our privacy and data protection practices. You may also visit megaphone.fm/adchoices to opt-out of targeted advertising. 

We're back with a particularly spicy Rich Girl Roundup—this time covering the absolute barrage of feedback on the last three episodes ("Student Loans, 50% Save Rates, and Being a Capitalist" with JL Collins, "How to Use Economic Uncertainty to Get Closer to Your Dream Life" with Amanda Holden, and Rich Girl Nation's Ask Me Anything conversation). Plus, a few clips from the Rich Girl Nation launch party. Get your copy of Rich Girl Nation: ⁠https://moneywithkatie.com/rich-girl-nation⁠ Transcripts, show notes, resources, and credits can be found at: https://moneywithkatie.com/monopolies — Money with Katie's mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

As tariff announcements shake up the economic outlook, what's the path for markets – and where are the opportunities now? Josh Schiffrin, Chief Strategy Officer and Head of Financial Risk for Goldman Sachs Global Banking & Markets, discusses with Chris Hussey on the Goldman Sachs trading floor. This episode was recorded on April 10, 2025. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3068: Taking financial risks wisely can be a game-changer for building long-term wealth. Vicki Cook and Amy Blacklock break down how to educate yourself on investing, assess your risk tolerance, and make informed decisions that align with your financial goals. By continuously learning and adjusting your strategy over time, you can confidently embrace risk without fear, allowing you to grow your wealth while maintaining financial security. Read along with the original article(s) here: https://womenwhomoney.com/why-is-taking-some-financial-risk-important/ Quotes to ponder: "You don't want to become so comfortable with your investment decisions that you fail to reconsider what 'risk' means to you over time." "If a conservative approach helps you sleep better at night, investing more money for a lengthier period will build wealth too." "Your mindset will shift over time, from being fearful to courageously taking more risks." Episode references: University of Missouri Risk Tolerance Assessment: https://pfp.missouri.edu/research/investment-risk-tolerance-assessment The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-Financial-Independence/dp/1533667926 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3067: Vicki Cook & Amy Blacklock emphasize that controlling your finances is key to securing your future, but simply saving money isn't enough to build long-term wealth. Inflation erodes purchasing power, making it essential to take calculated financial risks for better returns. By understanding risk tolerance, diversifying investments, and aligning strategies with financial goals, even risk-averse individuals can grow their net worth while maintaining financial security. Read along with the original article(s) here: https://womenwhomoney.com/why-is-taking-some-financial-risk-important/ Quotes to ponder: "While a savings account or CD seems like a low-risk money move, losing buying power over time is still risky." "Putting all your (financial) eggs in one basket isn't a wise thing to do." "If you can't risk losing any of your money, you should reconsider your plan to invest." Episode references: Financial Industry Regulatory Authority (FINRA): https://www.finra.org U.S. Securities and Exchange Commission's Investor.gov: https://www.investor.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3009: Chris of KeepThrifty.com explores the trade-offs between prepaying your mortgage and investing, emphasizing the role of risk tolerance and personal preferences. While investing often yields higher returns, the guaranteed stability of prepayments can bring peace of mind, especially for those who value financial certainty over potential gains. Read along with the original article(s) here: https://www.keepthrifty.com/2016/06/05/prepay-vs-invest.html Quotes to ponder: "Much of our momentum on paying the mortgage down can be attributed to the prepayments we've made along the way." "For my risk-profile, the relative downside (pain) of losing $33,000 is more impactful than the relative upside (gain) of getting $55,000." "Before you make any major financial decision, do the math and know your mentality!" Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices