Podcasts about social security

Early retirement income can feel complicated, but a steady paycheck from savings starts with a simple framework. This episode reframes withdrawal decisions, explains why a fixed 4 percent rule can be too conservative in some cases, and shows when a 5 percent starting point may fit with the right allocation and ongoing adjustments. A million dollar case study turns rates into an annual paycheck while addressing sequence risk and flexible spending guardrails.Taxes do the heavy lifting. Retirement income is taxed differently than wages, with no FICA on non wage income, only up to 85 percent of Social Security taxable, and long term capital gains often taxed at 0 or 15 percent. Blending IRA withdrawals, brokerage draws, and Social Security can produce the same 100,000 dollars of cash flow with a lower tax bill than a 100,000 dollar salary. The discussion covers thresholds, brackets, the higher standard deduction after age 65, and tactics to keep more of the portfolio working.The episode finishes by assembling the paycheck. IRA, brokerage, Roth, Social Security, and pension income are coordinated so deposits match spending rhythms, with room for the retirement spending smile, one time costs, healthcare, and annual tune ups as markets and laws evolve.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Don and Tom tackle the timeless topic of diversification — why it's back in style, why it's so hard to maintain, and why most investors (and pros) still get it wrong. They walk through how market “leadership” shifts over decades, the global vs. U.S. split, and why comparing your portfolio to the S&P 500 is often a trap. Listener questions cover ETF access at T. Rowe Price and Vanguard, whether to invest or pay down debt, and how the 5% flexible withdrawal rule works in early retirement. Plus, the guys riff on Halloween candy inflation, Social Security COLA bumps, and Don's LitReading “Scary Story Season.” 0:04 Show open — Saturday radio edition and why repetition matters in financial education 1:03 The fashion of diversification — and why it's “back in style” 2:27 International and small-cap value resurgence 3:15 Why investors chase past returns instead of diversifying 4:02 Gold, inflation, and recency bias — lessons from the 1980s 5:21 U.S. vs. international allocation debate: market cap vs. 50/50 6:20 The long wait for Japan's market recovery 7:41 Practical diversification tools — AVGE, DFAW, VT 8:19 Stop comparing everything to the S&P 500 9:08 Historical proof: global portfolio vs. S&P since 1931 10:02 Caller Charlie — buying Avantis or DFA ETFs through T. Rowe Price or Vanguard 12:39 How fund custodians differ from managers 13:27 Checking portfolio exposure with Morningstar 14:42 Caller Gabe — invest or pay off debt? 16:45 When to pay off a car loan vs. mortgage 19:35 How to handle multiple mortgages and long-term plans 20:22 Social Security's 2026 COLA bump and the “good news/bad news” of $102 more a month 22:21 Inflation realities — coffee, beef, and Halloween candy 25:02 Candy talk — shrinkflation and Don's trick-or-treat haul 25:54 LitReading plug: “Scary Story Season” and Philip K. Dick's The Hanging Man 27:34 Search “Don McDonald” in Apple Podcasts — chiropractor cameo included 29:05 Listener Victor (a.k.a. George) — can $4 million last 60 years with 5% withdrawals? 31:38 How the flexible withdrawal method works in practice 33:49 Retirement purpose, Monte Carlo results, and FIRE skepticism 37:41 Kindleberger quote on bubbles and envy: “There's nothing so disturbing as to see a friend get rich.” 38:55 Kindleberger's background and Manias, Panics, and Crashes Learn more about your ad choices. Visit megaphone.fm/adchoices

God offers a safe place.The quest springs from a universal craving of the human heart . . . but only the Bible reveals how we may achieve total, permanent security.Support the show

The Fat One is back to recap his day that included a medical malady, numerous voiceletters and breaking news from the world of news. Happy National Chocolate Day.

Angel Studios https://Angel.com/ToddJoin the Angel Guild today and know you are not just watching, you're helping make bold, faith driven stories like Disciples in the Moonlight possible. That's Angel.com/Todd.Bizable https://GoBizable.comUntie your business exposure from your personal exposure with BiZABLE.  Schedule your FREE consultation at GoBizAble.com today. Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/toddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeIf the Mockingbird Media wanted to be distrusted and loathed by more than half of society, how would they behave differently? Let's look at this idea through their narrative on immigration.Episode Links:I can't believe this is real but it is. CBS Sacramento did a segment last night on the growing threat to Sikh truck drivers. - "The roadway risk for Sikh truck drivers is growing." Even the ending is comedy. They can't read English street signs and that could be a problem. You think CBS? BTW, half of west coast truck drivers are Sikh? When did that happen?BREAKING: A senior official in the FL AG's office tells me initial results of their investigation into Harjinder Singh, the Indian illegal alien truck driver charged w/ killing 3 people in a crash in FL in August, reveal Singh failed his CDL test 10 times in a 2-month window between 3/10/2023 and 5/5/2023 in the state of Washington.BOMBSHELL: A federal audit of CDL's issued in California just EXPOSED a huge corruption scandal over TENS OF THOUSANDS of illegal aliens being given a CDL. There were MULITPLE instances of ILLEGAL ALIENS who also had a REAL ID, which is OUTRAGEOUS.JUST IN: Dash-cam footage shows a semi-truck plowing into multiple vehicles on the 10 Freeway in California. The 21-year-old driver was arrested for driving under the influence of drugs. At least three people were k*lled and two others were hospitalizedBREAKING: An Illegal Alien from Venezuela being harbored by @GovPritzker was just arrested for committing 4 home invasion rapes, has been arrested 5 times since June while on pretrial release under JB Pritzker's cashless bail system and then shielded from ICE deportation.Portland Mayor Keith Wilson in a bizarre speech saying he ran for mayor to make sure no one gets left behind, including street junkies and illegal immigrants.  “If you are an undocumented immigrant, we need you. If you are in Portland, you're a Portlander.”Well, here it is: Conspiracy theory no more: Not only did @DOGE confirm it — the Congressional Budget Office (CBO) has re-confirmed: Illegal aliens were issued Social Security numbers by the Biden–Harris terrorist administration.      •      270,425 in 2021      •      590,193 in 2022      •      964,163 in 2023      •      2,095,247 in 2024 — on their way out the doorWith a whopping 1.4 million illegals on Medicaid. You have been Robbed. Deceived, Blackmailed. Extorted.

A few episodes ago, we covered Derek Tharp's research suggesting that not everyone should delay until 70 — especially those with shorter life expectancies or limited assets. This week's headline brings the opposite perspective: Michael Finke argues that for higher-income retirees who expect to live longer, claiming early is almost always a mistake — and that fear-based decisions about Social Security's solvency can cost retirees hundreds of thousands in lifetime income.  Plus, a listener asks about giving with warm hands vs cold hands - which is a euphemism for giving during life vs giving after death. How much can they give without fear of running out of money? Resource: Michael Finke article on ThinkAdvisor: Why Advisors Should Never Recommend Social Security Claiming at 62   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

This week's show covers delaying Social Security filing, being proactive about aging and declining capacity, how to earn more tax-advantaged income, and more!

Social Security is going up slightly; Fed expected to make another rate cut full 445 Mon, 27 Oct 2025 11:13:42 +0000 urbQxxf7wMNiQhMzpOcncQmJmPN0ThwG news A New Morning news Social Security is going up slightly; Fed expected to make another rate cut Collection of LIVE interviews from Buffalo's Early News on WBEN 2024 © 2021 Audacy, Inc. News False https://player.am

This week's show covers delaying Social Security filing, being proactive about aging and declining capacity, how to earn more tax-advantaged income, and more!

In this episode we answer emails from Eva, Jess and Mr. Toxic.  We discuss the three levers of safe withdrawal rates applied to a listener's upcoming retirement situation, running test risk parity style portfolios to get some practice like with have done with Bigger Pockets money, and what little we know about HSAs.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapJackie Cummings Koski on Investing with HSAs:  Investing With The Health Savings Account - Define Your Legacy W/ Jackie Cummings KoskiBigger Pockets Money Test Risk Parity Style Portfolio:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Breathless Unedited AI-Bot Summary:Most retirement plans stumble not on math, but on mechanics. We sit down with a listener who's 55, VTI-heavy in a taxable account, and ready to pivot into a modified golden ratio portfolio—then unpack a practical path to move from concentration to resilient diversification without lighting up a massive tax bill. Along the way, we map out the three levers that quietly raise your safe withdrawal rate: portfolio design, baseline expenses, and personal inflation that often runs 1–2% below CPI.We get specific on asset location and reallocation: placing treasuries and managed futures in tax-deferred accounts, using gold and equities where they're most tax-efficient, and gradually trimming VTI by targeting favorable tax lots and capital gains brackets. If you've wondered whether a small cap value tilt can help, we explain how it can reduce volatility and lift a portfolio's historical withdrawal capacity by roughly 0.5–1%—and how to pursue it at a measured pace. We also clear up a common confusion: rebalancing returns you to your target mix; reallocating changes the target itself.Then we turn to HSAs. They're a triple tax-advantaged powerhouse for you, but a poor inheritance vehicle for kids who must recognize the balance as income in a single year. We break down the strategy of saving receipts, the shift at age 65 when non-medical withdrawals are IRA-like, and why timing HSA spending for higher-income retirement years often makes sense. Don't count on a costly end-of-life to “use it up”—many don't have that trajectory. A smarter approach draws down the HSA earlier for qualified costs and Medicare premiums while avoiding a tax bomb for heirs.We wrap with weekly portfolio reviews across classic and levered models and a reminder that simple beats clever: a resilient allocation, tax-savvy placement, and flexible spending can carry you from early retirement through Social Security and beyond. If this helped tighten your plan, follow the show, leave a review, and share it with a friend who's staring down a VTI-heavy portfolio and wondering where to start.Support the show

The UK's Metropolitan Police Service (Met) is now “actively looking” into fresh allegations that Prince Andrew allegedly used a taxpayer-funded police bodyguard to obtain the U.S. Social Security number and date of birth of his accuser, Virginia Giuffre — apparently to dig up “dirt” on her. These new allegations arise from leaked emails and Giuffre's recently published posthumous memoir, and they have reignited calls for a full criminal inquiry in the UK after previous investigations by the Met opted not to open one. Sources suggest that if evidence is found that the royal improperly sought to direct or influence police resources, then the offence of misconduct in public office could be in play.Meanwhile, in the United States and in political circles, pressure is building for action — though no formal prosecution has yet been confirmed. U.S. lawmakers such as Nancy Mace have publicly demanded that any potential crimes by Prince Andrew on U.S. soil be pursued, and parliamentarians in the UK are calling for a mechanism to strip him of titles and privileges as accountability ramps up. The combination of renewed documentary claims, political uproar, and active investigation means that this may no longer be purely a reputational or civil matter — the threshold for possible criminal exposure appears to be closer than at any time in recent years.to contact me:bobbycapucci@protonmail.comsource:Could Prince Andrew ever be prosecuted over his links to Jeffrey Epstein? | The Independent

The UK's Metropolitan Police Service (Met) is now “actively looking” into fresh allegations that Prince Andrew allegedly used a taxpayer-funded police bodyguard to obtain the U.S. Social Security number and date of birth of his accuser, Virginia Giuffre — apparently to dig up “dirt” on her. These new allegations arise from leaked emails and Giuffre's recently published posthumous memoir, and they have reignited calls for a full criminal inquiry in the UK after previous investigations by the Met opted not to open one. Sources suggest that if evidence is found that the royal improperly sought to direct or influence police resources, then the offence of misconduct in public office could be in play.Meanwhile, in the United States and in political circles, pressure is building for action — though no formal prosecution has yet been confirmed. U.S. lawmakers such as Nancy Mace have publicly demanded that any potential crimes by Prince Andrew on U.S. soil be pursued, and parliamentarians in the UK are calling for a mechanism to strip him of titles and privileges as accountability ramps up. The combination of renewed documentary claims, political uproar, and active investigation means that this may no longer be purely a reputational or civil matter — the threshold for possible criminal exposure appears to be closer than at any time in recent years.to contact me:bobbycapucci@protonmail.comsource:Could Prince Andrew ever be prosecuted over his links to Jeffrey Epstein? | The Independent

Chris Markowski discusses the myths surrounding Social Security, the healthcare crisis exacerbated by Obamacare, and the influence of insurance companies on the healthcare system. He also critiques the impact of tariffs on small businesses and emphasizes the need for financial freedom and transparency in the financial world.

On this week's episode of Investing Simplified, Matt Sudol and Matt Mai discussed the surprising strength of the market despite seasonal volatility and ongoing economic and political uncertainties. They highlighted how consumer spending, especially among the wealthiest 20% and significant investments in artificial intelligence and infrastructure, continue to drive resilience. The show emphasized the importance of portfolio diversification, risk assessment, and proactive planning for both new and seasoned investors—especially as many approach retirement.Additionally, the show featured estate planning advice, focusing on estate tax nuances in Oregon and Washington. The hosts also addressed the rising national debt and its potential impact on Social Security and interest rates. Throughout, Matt and Matt encouraged listeners to reach out for personalized financial roadmaps, emphasizing the value of clear planning and professional advice during uncertain times.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

RFK Jr.'s autism claims aren't about helping anyone—they're about deciding who gets to exist in America.

Jim and Chris discuss listener questions on how Medicare enrollment affects HSA contributions, Social Security survivor benefits and IRMAA adjustments, financial advisor fee disclosures, and the Thrift Savings Plan (TSP) as a tool in retirement planning.(10:00) A listener asks whether enrolling in Medicare in December with coverage starting in January limits HSA contributions due to […] The post HSA Contributions, Social Security, Fee Disclosures, TSPs: Q&A #2543 appeared first on The Retirement and IRA Show.

Are you sure you are taking Social Security at the right time? Well, in this episode, I share 5 common mistakes retirees make when claiming Social Security and what you should look out for.

In this episode, Karl dives into the importance of comprehensive financial planning and how it can help ensure you're not leaving money on the table—especially in light of new provisions in the "One Big Beautiful Bill" legislation. He explores timely topics such as changes to charitable contributions, the potential deductibility of automobile loan interest, and whether financing a car might be more beneficial than paying cash. Karl breaks down the reasoning behind these strategies and how they could impact your financial decisions. The episode also covers a wide range of current financial topics, including: Social Security's cost-of-living adjustment for 2026 Qualified Charitable Distributions (QCDs) Gold market dynamics Insights from a long-awaited economic report Timestamps: 01:18 – Podcast Housekeeping and Announcements 01:50 – Social Security and Gold Market Updates 04:04 – Stock Market Insights and Strategies 06:56 – Comprehensive Financial Planning 09:09 – Client Case Studies and Tax Strategies

On this episode: Should you tinker with your risk profile as the headlines change? There are two new ideas on saving Social Security. Will they work? Like this episode? Hit that Follow button and never miss an episode!

It's … Indicators of the Week! Our weekly look at some of the most fascinating economic numbers from the news. On today's episode: the Amazon global internet outage, Americans plan to siphon their Social Security checks early, and Mann, we love some Heat 2. Related episodes: What does the next era of Social Security look like? Why aren't filmmakers shooting in LA? For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Julia Ritchey Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Send us fan responses! If you think your Social Security number proves ownership, wait until the court calls it “probate.” We walk through how that number ties to a public Sesta Que Vie trust where you enjoy benefits but the state holds legal title—and why that split keeps families stuck in taxes, fees, and delays. The shift is profound yet practical: move from public default to private design with a family trust that you create, fund, and govern, so control lives where your legacy lives.We unpack equitable vs legal title using plain language, then connect the dots to wages, licenses, car registrations, and why assets in your legal name flow through probate. From there, we map how trusts function as legal persons, how co‑mingling and the doctrine of merger quietly wreck good plans, and how to structure trusteeship so successors actually lead. We spotlight what the greats get right—family foundations, 508(c)(1)(A) beneficiaries, and disciplined governance—so your last name becomes a durable enterprise rather than a file number.You'll hear a clear pathway: establish a private family trust, fund it with real titles and assignments, train trustees, and route insurance and income with intent. We also cover common codes and terms in context—Sesta Que Vie, SPVs, amalgamation—so you can see how the public system administrates while a private plan controls. If you're ready to stop being just a beneficiary and start acting like a trustee, this is your blueprint.Subscribe for more deep, practical breakdowns, share this with someone building a legacy, and leave a review to tell us the next question you want answered.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Your greatest retirement risk isn't the market; it's living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle.

Your greatest retirement risk isn't the market; it's living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle.

Social Security recipients will see an extra $56 a month starting in 2026, but will it make a dent in rising costs? Senior Economist with Zions Bank, Robert Spendlove, joins us to break down the new cost-of-living adjustment, fresh inflation numbers, and the staggering national debt now topping $38 trillion.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

The Premier of Ontario, Canada, Doug Ford, said he's pull the TV ad that made President Trump angry.  But, not until Monday. This is the Business News Headlines for Friday the 24th day of October, thanks for being with us. In other news, inflation is still with us and we'll share the details. Target is cutting jobs and what the company is saying.  Folks on Social Security will get a pay bump…but, there is a but. An Iowa mink farm was hit and it is being called an act of terrorism.  It was an amazing day for the equities and we'll check on those numbers in The Wall Street Report. And the National Highway Traffic Safety Administration is looking into Tesla and its Mad Max operating system.  What could go wrong….  Let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

Social Security raises, earnings, interest rates, other news hitting investors - from Kyle Tetting, Adam Baley & Mike Hoelzl.

Machinists on strike at Boeing in the St. Louis area have a federally-mediated agreement that will be voted on by members on October 26, the national No Kings march takes place in Madison with labor support, federal workers who have been shut out from work rally outside the Madison-area Social Security office, national flight attendants union leader Sara Nelson has raised the idea of a general strike as the Trump administration runs wild, the Chicago Teachers Union leads the fight against that city's federal invasion, a worker sues the Equal Employment Opportunity Commission for not doing its job, and the attack on immigrant workers is beginning to tank the GDP.

The prolonged federal government shutdown is exerting financial pressure on millions of retirees nationwide, as delays in Social Security Cost of Living Adjustments and increased Medicare Part B premiums take their toll. Financial analyst Charlene Crowell highlights that these developments could significantly impact the 22 million Americans who depend exclusively on Social Security for their income. Interview by Chris B. Bennett.

In this episode, we conclude the building block of delivery and provision of social protection from our social protection solar system. After discussing the role of informal workers' organizations in the delivery of childcare and healthcare, in this third and final episode of the series, we will talk about the role of informal workers organizations in the delivery of social security benefit for workers in the informal economy. In Costa Rica, an innovative approach to social security has been implemented over the years by the national government to include rural workers and, more recently, informal urban workers. In this policy, grassroots workers' organizations play a key role not only in the last mile delivery, but in several stages of the delivery chain. To learn more how Collective Social Insurance Agreements work in Costa Rica, their challenges and potential for expansion and replication, I talked to Fabio Durán. Fabio is an economist and served as Head of the Public Finance, Actuarial and Statistics Unit at ILO's Social Protection Department in Geneva, and has just retired as the ILO's senior specialist in Social Protection and Economic Development for Central America and Mexico, in their office in Costa Rica. Learn more: *ILO Social Protection in Action Brief (2022). “Costa Rica: Extending mandatory contributory coverage to self-employed workers” https://www.social-protection.org/gimi/Media.action;jsessionid=f0DRZHXKIdUdf6eojX2c2lHKIAjQ_ly9Vx3-0XTMVPqdPICPNIgp!1393577045?id=19457#:~:text=These%20agreements%20are%20signed%20by,and%20medium%2D%20scale%20farmers%CA%BC%20organizations *ILO Report (2013) – “Innovations in extending social insurance coverage to independent workers” https://www.social-protection.org/gimi/gess/gess/RessourcePDF.action?ressource.ressourceId=42119

On this Ask Suze & KT Anything episode, KT asks Suze your questions about when to take Social Security, financial protection, Roth contributions and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Don and Tom revisit the Social Security debate after new Wall Street Journal and New York Times articles challenge long-standing advice to delay claiming. They dismantle clickbait claims that “waiting doesn't make sense,” highlighting emotional biases, unrealistic investment assumptions, and spousal benefit considerations. The episode also covers whether Social Security counts as an asset, then shifts to listener questions about 529-to-Roth rollovers for graduate school, switching funds in an IRA, and managing company stock in an ESOP-based 401(k). 0:00 Why they keep returning to Social Security and why 25% of retirees rely on it entirely 1:43 Two-thirds claim before full retirement age; Wall Street Journal's clickbait headline 3:02 The “bird in hand” fallacy and instant-gratification bias 3:48 Don's confession: took Social Security at 69—and dogs ruined the travel plans 4:40 WSJ's faulty 5%-return argument and why most investors won't achieve it 5:43 The math: waiting pays more monthly, but longevity is the unknown 6:32 Trade-offs between retiring early, portfolio drawdowns, and spousal benefits 7:35 NYT's claim that Social Security is America's most valuable “asset” 8:08 Don's rebuttal: it's income, not an asset—you can't liquidate it 9:49 Why people misclassify Social Security and how bonds fit differently 10:08 When and how to get a second (fiduciary) opinion on claiming strategies 11:00 The plague of commission-driven “advisors” and fake fiduciaries 12:29 Old brokerage “no-load fund” lies and how similar games persist today 12:40 Listener Q&A: overfunded 529 plan vs. Roth rollover for grad school 14:27 Midwifery degrees, student-loan math, and the 5% rate cutoff 17:13 Rollover IRA question: switching Fidelity funds to Vanguard ETFs 18:15 Active vs. index funds—why fees and diversification matter 20:05 Active-active management and small-cap risk humor 20:54 ESOP question: how much company stock is too much? (Hint: under 5%) 22:42 Selling discipline and diversification in employee-owned firms 24:39 Don and Tom joke about their own ownership and “sell-out” strategy 25:04 Daily calls, good-natured ribbing, and reminders about Saturday's live show Learn more about your ad choices. Visit megaphone.fm/adchoices

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Mike Armstrong and Marc Fandetti discuss hotter CPI unlikely to deter rate cuts and the S&P 500 rally. Mark Hamrick (Bankrate) joins the show to chat about Social Security concerns. Fed lost access to private jobs data ahead of government shutdown. The maximun you can borrow from your 401(k) hasn't changed in 40 years. Should that change now?

The price you pay at the pharmacy isn't just about the drug—it's about the plan, the pharmacy network, and the rules hidden in the fine print. We break down a simple, repeatable method to shop Medicare Part D so you protect access to your doctors and treatment while cutting real costs. With Medicare's new $2,000 out-of-pocket cap, the math changes: premiums and pharmacy choice now drive your savings more than fear of runaway brand-name bills.We walk through Medicare.gov step by step—creating your account, reviewing your medication history, and adding every pharmacy you actually use, from your local favorite to the chain near your vacation home. You'll learn how to identify preferred pharmacies, interpret plan deductibles that often bypass generics, and compare total annual cost, not just the monthly premium. Along the way, we share client stories that show how zero-premium plans can deliver $0 copays on key generics and how pairing Part D with Mark Cuban's Cost Plus Drugs can slash prices on certain fills without sacrificing convenience.If you rely on insulin or name-brand medications, you'll hear how to prioritize plans that price your specific drugs best, why star ratings matter for service and fewer headaches, and the easiest way to enroll online. We also cover pro moves like setting premiums to auto-deduct from Social Security to avoid missed payments and ensuring your new card is on file before January 1 so refills don't stall. It's a clear, calm guide for you and the loved ones you help—because the right plan isn't the cheapest on paper, it's the one that fits your real life.If this helped, follow the show, share it with someone who needs it, and leave a quick review to help others find practical Medicare guidance. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Medicare Part B premium costs can jump because of IRMAA (Income-Related Monthly Adjustment Amount) when your MAGI crosses key thresholds—especially for federal retirees with pensions, Social Security, and RMDs. Learn how timing, Roth conversions, and TRICARE for Life choices can influence your Medicare Part B and Part D costs without panic or fear-mongering.IRMAA isn't a penalty—it's a higher Medicare Part B and D premium triggered by income. With smart tax planning, you can navigate the thresholds instead of getting surprised.

BEST OF - An update on the ongoing government shutdown, plus new polling data from National Correspondent Rory O'Neill showing the top issues on voters' minds — including rising concern about Social Security. White House Correspondent Jon Decker recaps President Trump's meeting with the NATO Secretary General, and we break down a new study on health care premiums along with the Democrats' new ICE activity tracker.

-- On the Show: -- Sabrina Singh, former Deputy Pentagon Press Secretary in the Department of Defense under President Biden, joins us to discuss the state of the DoD under Pete Hegseth, including the fallout from Signalgate and the new restrictive press rules -- Polls show most Americans blame Republicans for the shutdown, leaving Trump and GOP leaders scrambling as their political gamble collapses -- Trump's mismanagement triggers halted SNAP benefits, threats to Social Security, and record-high disapproval, showing widespread decay under his rule -- Thirteen Senate Democrats confirm a Trump judicial nominee during the shutdown, handing Trump a symbolic win and frustrating voters expecting resistance -- Trump sues his own Department of Justice for $230 million, an unprecedented act of self-dealing that turns government accountability into open corruption -- Trump stumbles through unscripted interviews, rambling about tariffs and fake “payouts,” exposing both his confusion and his authoritarian manipulation of money -- Karoline Leavitt attacks her predecessor while doubling down on Trump's shutdown narrative, highlighting the performative loyalty demanded within Trump's circle -- Online conspiracies claim Trump's death is imminent, ignoring data showing his wealth and access to healthcare make him likely to live much longer -- On the Bonus Show: The government shutdown becomes the second-longest in history, a Trump nominee is exposed for sending Nazi text messages, Kash Patel's Diwali post is met with racism, and much more...

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This week on our Live Show we discussed the problems facing the World's Youth Join my PodFather Podcast Coaching Community https://www.skool.com/podfather/about Start Your Own SKOOL Community https://www.skool.com/signup?ref=c72a37fe832f49c584d7984db9e54b71 Donations https://www.awakeningpodcast.org/support/ #awakening #adloesence #youngpeople #futureyouth About my Co-Host:Arnold Beekes Innovator, certified coach & trainer and generalist. First 20 years in technology and organizational leadership, then 20 years in psychology and personal leadership (all are crucial for innovation). Join his Brain Fitness SKOOL Grouphttps://www.skool.com/brainfitness/about What we Discussed:00:00 What the Show is about today 01:15 Who are we Talking about when we say Youth?02:25 What % of Youth are the World Population04:45 Are the Youths Happy07:00 Problems with Water in Countries09:30 The Price of Education creates a class of Poverty 12:00 The Youth are demonstrating around the World13:35 Two Countries have had a change in Government because of Protests15:50 People can not buy houses anymore17:00 Organisations paying people to Protest 19:50 People can not afford to pay for therapy21:45 Health and Social Security does not work24:22 Refugee camps in Uganda have 1.9 Million people28:50 How many people are in Refugee Camps Worldwide34:00 Do not think that we can not do anything to improve the World36:40 Our SKOOL Groups and how to connect with us Substack Subscriptionhttps://substack.com/@podfatherroy How to Contact Arnold Beekes: https://braingym.fitness/ https://www.linkedin.com/in/arnoldbeekes/ Donations ⁠⁠ https://www.awakeningpodcast.org/support/ https://www.podpage.com/speaking-podcast/support/ ⁠⁠ All about Roy / Brain Gym & Virtual Assistants athttps://roycoughlan.com/ 

Chris's Summary Jim and I examine a recent Social Security claiming strategies debate prompted by articles from Derek Tharp and Laurence Kotlikoff. The episode highlights how opposing valuation frameworks—economic modeling versus purpose-driven income planning—can lead to drastically different conclusions. We explain why assigning Social Security a clear job, such as covering your Minimum Dignity Floor™, […] The post Social Security Claiming Strategies: EDU #2543 appeared first on The Retirement and IRA Show.

God bless the trans.

Prince Andrew's downfall has accelerated sharply in the wake of fresh allegations tied to Jeffrey Epstein and the explosive release of Virginia Giuffre's memoir, Nobody's Girl. The book recounts new details about Andrew's alleged sexual encounters with Giuffre while she was being trafficked as a minor by Epstein. These revelations reignited public outrage and renewed scrutiny over Andrew's long-denied relationship with both Epstein and Ghislaine Maxwell. Buckingham Palace has reportedly been forced into damage control, with King Charles III supporting Andrew's decision to give up his “Duke of York” title and remaining royal honors. The palace has publicly stated that the new allegations must be fully investigated, signaling growing institutional distance from Andrew as pressure mounts for full transparency and accountability.Adding to his disgrace, newly surfaced claims allege that Andrew attempted to orchestrate an online smear campaign against Giuffre to salvage his reputation. According to The Guardian's coverage of the memoir, the prince and his aides tried to hire internet trolls to harass Giuffre online and even sought access to her private information, including her Social Security number. Reports indicate that the Metropolitan Police have opened an inquiry into whether Andrew misused his royal security detail or other public resources during this smear campaign. Parliamentarians are also reportedly pushing to strip him of any remaining titles and privileges, as his reputation continues to collapse under the weight of new evidence and public disgust over his conduct.to contact me:bobbycapucci@protonmail.comsources:Prince Andrew tried to hire 'internet trolls' to 'hassle' his sex accuser Virginia Giuffre, her posthumous memoir reveals | Daily Mail Online

Prince Andrew's downfall has accelerated sharply in the wake of fresh allegations tied to Jeffrey Epstein and the explosive release of Virginia Giuffre's memoir, Nobody's Girl. The book recounts new details about Andrew's alleged sexual encounters with Giuffre while she was being trafficked as a minor by Epstein. These revelations reignited public outrage and renewed scrutiny over Andrew's long-denied relationship with both Epstein and Ghislaine Maxwell. Buckingham Palace has reportedly been forced into damage control, with King Charles III supporting Andrew's decision to give up his “Duke of York” title and remaining royal honors. The palace has publicly stated that the new allegations must be fully investigated, signaling growing institutional distance from Andrew as pressure mounts for full transparency and accountability.Adding to his disgrace, newly surfaced claims allege that Andrew attempted to orchestrate an online smear campaign against Giuffre to salvage his reputation. According to The Guardian's coverage of the memoir, the prince and his aides tried to hire internet trolls to harass Giuffre online and even sought access to her private information, including her Social Security number. Reports indicate that the Metropolitan Police have opened an inquiry into whether Andrew misused his royal security detail or other public resources during this smear campaign. Parliamentarians are also reportedly pushing to strip him of any remaining titles and privileges, as his reputation continues to collapse under the weight of new evidence and public disgust over his conduct.to contact me:bobbycapucci@protonmail.comsources:Prince Andrew tried to hire 'internet trolls' to 'hassle' his sex accuser Virginia Giuffre, her posthumous memoir reveals | Daily Mail Online

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Mark Hamrick, Senior Economic Analyst for Bankrate.com, joins Lisa Dent to discuss Bankrate’s recent survey that shows 52 percent of Americans expect to rely on Social Security Benefits for expenses when they retire.

Retire at 65: How Much Money Do You REALLY Need?

Joe Anderson, CFP® and Big Al Clopine, CPA tackle the fears that mess with even the best-laid financial plans, today on Your Money, Your Wealth® podcast 552. Big Wallet Barbie and Ken from the Midwest have saved millions, but Barbie's still worried about retiring early, buying a new house, and converting to Roth. Is she second-guessing her plans? The fellas spitball for Dan from Florida, who's flying high in the 35% tax bracket and trying to decide between Roth 401(k) contributions and future Roth conversions. They also float a surprising idea - one that's rare on YMYW - for a listener from Chicago who is FIRE'd Up about Roth vs. pre-tax and making a tax-smart wealth transfer. We'll wrap up with a couple of your comments. Free Financial Resources in This Episode: https://bit.ly/ymyw-552 (full show notes & episode transcript) Emotionless Investing Guide The Truth About Your Love/Hate Relationship With Money - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 00:49 - Big Wallet Barbie and Ken's Roth Conversion, Retirement, and Home Purchase Strategy (Barbie Mattel, Midwest) 08:58 - Roth 401(k) Contributions or Roth Conversions? Flying High in the 35% Tax Bracket (Dan, FL) 17:23 - High-Earners Planning FIRE and Wealth Transfer: Roth, Pre-Tax… Life Insurance? (FIRE'd Up, Chicago) 29:56 - Correction on Spousal Social Security Benefits After the Fairness Act (Cindy) 33:37 - Follow Up: The Kids Are Pretty Alright (Lucas, MN) 34:44 - Outro: Next Week on the YMYW Podcast

The Metropolitan Police (London) have opened an active investigation into allegations that Prince Andrew, Duke of York in 2011 asked one of his taxpayer-funded protection officers to dig up personal information on Virginia Giuffre, who accused him of sexual abuse when she was under 18. According to reports, the bodyguard was allegedly given Giuffre's date of birth and U.S. Social Security number by the prince, with the aim of finding a criminal record or other damaging material. The police have stated they are “actively looking into” the claims, though so far it is not publicly confirmed whether the officer complied with the request.These revelations come amid wider turmoil for Prince Andrew and the monarchy: he has recently stepped back from some royal titles, including giving up the “Duke of York” style. The allegations raise serious questions about misuse of police resources and the role of protection officers in alleged smear campaigns. The family of Virginia Giuffre (who died by suicide earlier this year) and campaigners are calling for further action, including stripping the prince of his remaining titles, and for parliamentary scrutiny of how the settlement he made with Giuffre and his relationship with convicted sex-offender Jeffrey Epstein have been handled.to contact me:bobbycapucci@protonmail.comsource:London police investigating report Prince Andrew asked officer to dig up "dirt" on Virginia Giuffre - CBS News

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340