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FF: Divide to Conquer Property Taxes, Government Overreach, and Money Eric and Deven testified for the Ohio State Senate while Ethan ran our Winner's Dinner meeting and Lila was collecting signatures on a Petition to put the Abolishment of Property Taxes on the November ballot. Property taxes are pricing senior citizens out of their homes as well as making housing unaffordable for many people. We talk about one woman's story of losing her home after her husband didn't pay their property taxes. We talk about how important it is for both spouses to understand the family finances, what some of the other options are for life without property taxes, and how the way Ohio is currently using property taxes is against our state constitution. We can't guarantee an equal outcome; we can only do our best to give an equal starting point. To be an adult, you need to take responsibility for your life. Life is 10% what happens to you and 90% how you react to it. Our court case against the City of North Canton ignoring our 4th Amendment rights was picked up by the Ohio Supreme Court this week. Also, don't miss our special announcement about our Real Power Family 1 ounce, 0.9999 pure silver rounds from American Gold Exchange! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
LA on Fire: Protest or Planned? California has protests and riots going on. The media says this peaceful and spontaneous protest is about stopping deportation of illegal immigrants. How peaceful is it if there are vehicles burning and buildings being looted? How spontaneous can it be if there was a pallet of bricks delivered and signs were pre-printed in multiple colors? How did Trump respond to this? He called out the National Guard and the Marines. What does all this mean? Have we reached the breaking point? We talk about this and more! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
TT Digital Privacy "I have read and agree to the terms of service" is one of the biggest lies on the internet. Yet when they are looked into, they will reveal some scary things. In this episode the teenagers (Deven and Ethan) talk about privacy and security. Learn the truth about how most of the companies you use in your everyday life track and use your information. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Lifeschooling with Danielle Papageorgiou Many parents want to homeschool their children but try to create the regular school system at home. Danielle explains the better system of lifeschooling which is a gift-focused, life-integrated education. Academics come into play in everyday life, and you can choose to allow your children to explore their world while learning those lessons. We discuss the 4 E's, which is Exploration, Experience, Expert Engagement, and Entrepreneurship. Our goal as parents is to raise our children to be adults that will make the world a better place, and lifeschooling is a great way to teach and guide them to that end goal. To learn more, you can read Danielle's book, Lifeschooling: Learning to Think Outside the Curriculum Box, which can be found at http://www.LifeschoolingBook.com or check out her blog at http://www.LifeAsALifeschooler.com. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Episode 395 18Jun25 TT Digital Privacy "I have read and agree to the terms of service" is one of the biggest lies on the internet. Yet when they are looked into, they will reveal some scary things. In this episode the teenagers (Deven and Ethan) talk about privacy and security. Learn the truth about how most of the companies you use in your everyday life track and use your information. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
In this episode, Suzanne Spradley and Chase Cannon break down the Senate's version of the One Big Beautiful Bill, released on June 16, 2025. Suzanne outlines the budget reconciliation process and how the so-called “Byrd Rule” comes into play. Suzanne and Chase discuss the similarities and differences between the House and Senate versions of this bill and how the two can align on those differences. Suzanne outlines one major difference relating to the Senate's exclusion of certain benefit-related provisions (HRA/CHOICE/ICHRA amendments and HSA expansions and flexibilities, to name a few) that were in the House's version. Suzanne and Chase conclude with thoughts on what employers can expect in the coming weeks as the legislative process plays out.
In this episode, Eric Ludwig, PhD, CFP®, Retirement Income Certified Professional® (RICP®) Program director at The American College of Financial Services, speaks with Tax Planning Certified Professional™ (TPCP™) Program director Sophia Duffy, JD, CPA, AEP® about the possible tax policy changes contained in the “One Big Beautiful Bill Act” currently making its way through Congress. In addition to making many of the changes put in place in the 2017 Tax Cuts and Jobs Act (TCJA) permanent, they discuss some exciting possibilities for tax-informed financial planning, including new exemptions and deductions for business owners (such as financial advisors!), expanded uses for 529 and HSA accounts, cap changes for state and local taxes, and more. Find all episodes at TheAmericanCollege.edu/Shares.
In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important and often confusing world of Medicare Part D with Medicare expert Shawn Southard. With the implementation of the Inflation Reduction Act Medicare provisions in 2025, significant updates have changed the way Medicare drug coverage works, especially for those nearing or already in retirement. Whether you're currently working and covered by an employer plan or about to transition to Medicare, this episode breaks down exactly what you need to know to avoid unnecessary costs and lifelong penalties.Listen in to learn about how Medicare Part D changes affect your coverage decisions, how employer coverage and Medicare interact, and why understanding creditable drug coverage is now more crucial than ever. Shawn also discusses HSA and Medicare rules, key timelines for enrollment, and strategies to avoid the dreaded Medicare late enrollment penalty. This is a must-listen for anyone planning to retire comfortably while staying informed and protected when it comes to their Medicare Part D options.In this episode, find out:· What exactly Medicare Part D covers and how it works.· How the Inflation Reduction Act Medicare provisions lower out-of-pocket drug costs.· What "creditable" drug coverage means and how to know if your employer plan qualifies.· When and how to enroll in Part D to avoid Medicare penalties.· How HSA and Medicare rules impact your decision to delay enrollment.Tweetable Quotes:“With Medicare Part D changes, what used to be a no-brainer may now require a complete reevaluation.” – Murs Tariq“Missing a 63-day window could mean a lifetime of penalties—knowing your coverage status is critical.” – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Elon vs Trump The verbal battle between these two have become a media sensation, but what is the actual problems underlying this situation? How is the "Big, Beautiful Bill" helping or hurting? Why is it that only 3 people in Congress seem to be concerned about the spending of the government? We need to balance the budget, and we could not only do that but be paying down debt if we could just go back to 2019 spending. While the Pandemic may have warranted additional funds, why did we not return to spending before that emergency? Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Welcome to One for the Money! In Episode 88, we explore retirement as a journey—and each important stop along the way. From your 20s through your 60s (and beyond), you'll learn what to focus on at each stage, how to avoid costly pitfalls, and how to test-drive retirement with a mini-retirement that just might change your life.
Jim and Chris address questions on Social Security survivor benefits, unreimbursed HSA expenses, SPIA funding from multiple accounts, and Fixed Indexed Annuity details. (7:45) Georgette asks whether drawing her own reduced Social Security benefit at 62 will affect her ability to switch to her deceased husband's full survivor benefit at age 67. (23:15) A listener […] The post Social Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524 appeared first on The Retirement and IRA Show.
FF: Property Values, Equity, and Wealth Do properties always go up in value? We talk about home values during recessions, the great financial crisis, and how the use of MBS and CDO's encouraged bad decisions. We also discuss how the government uses Bracket Creep to its advantage. We talk about assets and liabilities, and how equity isn't liquid but can be used effectively with tax advantages when funds are needed. We also talk about how a lot of people confuse cause and effect as well as how confidence can help you become competent. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
In this episode of Kelley's Bull Market News, Kelley Slaught discusses the importance of maintaining a comprehensive financial plan, which includes not only investments but also risk management, estate planning, and income strategies for retirement. She emphasizes the need for personalized plans that address individual circumstances, particularly in light of increasing longevity and the complexities of modern financial markets. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.
Marty discusses the complexities of retirement spending, emphasizing that spending patterns change significantly throughout retirement. He highlights the importance of budgeting for the 'go-go years' when retirees often spend more on travel and leisure, the 'slow-go years' where spending may decrease, and the 'no-go years' where health care costs become a major concern. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.
All you need is Energy & Money This works for flying an airplane as well as running a business. We look at the government, its decisions, and the Constitution. We talk about Executive Order 14215 and how that may affect the government and the citizens. We talk about the use of lies to get us involved in war. We talk about the pharmaceutical companies and why Texas's proposed law that passed the house may help make things better. Without freedom of speech, transparency, and accountability, the U.S. Citizens will see a loss of freedom. Remember to question everything! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Romans 9:6-13 | June 8, 2025 | Hanley Liuhttps://youtu.be/17_-hSA_nt0
Tax talk without the snooze-fest! This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. ‘Catching Up to FI' co-host and author of ‘F.I.R.E for Dummies' Jackie Cummings Koski, CFP®, AFC®, turns this insightful discussion into a masterclass on trimming Uncle Sam's tab at every phase of retirement. Jackie rewinds to her own FIRE (Financial Independence, Retire Early) journey: the divorce-day "401(k) gap" that lit her savings rocket, supersizing her HSA past $200,000, and hitting FI at 49 with a 40% savings rate. Expect plain-English breakdowns, plenty of ‘there are no dumb questions' crowd chat, and Jackie's trademark mix of CFP level and girlfriend realness. Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect) This is part one of a two-part series and the second part will be aired next Wednesday (6/18/25). This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck. Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.
TT – Back to the Future of Money In this show the teenagers (Deven and Ethan) discuss technology and some big changes for the future. They talk about “Transactional gold” which is gold that you can use, save and spend (possibly like a bank account). They also discuss AI and how while it may replace many jobs, it might not be as bad as you think. It could make our world a better place, if done right. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Dan Rochon - No Broke Months Today's guest is Dan Rochon—keynote speaker, sales psychology expert, and author of Teach to Sell: Why Top Performers Never Sell – And What They Do Instead. Dan is a master of neurolinguistic programming and has helped thousands of business owners and real estate professionals unlock consistent, predictable income. Since 2008, he's lived by one powerful promise: No Broke Months. As a highly sought-after speaker, Dan shares how top performers succeed without chasing, convincing, or closing—instead, they lead with clarity, influence, and alignment. His Teach to Sell method will help you shift from selling to leading—so you can grow your income in a way that's both strategic and true to who you are. Confidence and believe in yourself is key, and you build on that foundation. This episode is packed with great lessons and stories that can help you to improve your business, your sales, and your life! www.nobrokemonths.com Consistent and Predictable Income Coaching No Broke Months For Salespeople Podcast Teach to Sell: Why Top Performers Never Sell - And What They Do Instead (New Book) Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family.
In this episode of the Personal Finance Podcast, we are going to talk about the Ultimate Guide to Becoming an Employer Match Millionaire. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew's course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok. Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop Data Plans and Save Big at mintmobile.com/pfp Go to https://joindeleteme.com/PFP20/ for 20% off! Links Mentioned in This Episode: The Ultimate Guide to the HSA (The Super Retirement Account!) What Do I do With an HSA at an Old Employer?! (Plus How to Avoid RMD's) - Money Q&A Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
Supercore PCE, Employment, and Real Estate The Supercore PCE dropped. What actions might the Fed choose at their next meeting? Eric gives his prediction. Can we get property taxes abolished in Ohio? We've become a signing center for this petition! People are having a harder time affording the home they want. What opportunities might be coming in real estate? We talk about the good and the bad on all these topics and more, so you can use the information to make your financial life better! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Joan Flynn, Senior Inspector with the Health Safety Authority, discusses the HSA awareness campaign about the dangers of Silica dust.
FF: Does Bigger Government Mean a Worse Life for Citizens? We talk about our studies into places like Hong Kong, which went from poor to wealthy, and Glasgow Scotland as well as Argentina that went from wealthy to poor. Why did these changes occur? We theorize the role of government. We also talk about government spending and how this affects inflation. The "Big Beautiful Bill" won't fix the problems we have here. We talk about some of the good and bad items in this bill. Javier Milei deregulated housing in Argentina, which increased housing choice by 170% while driving rents down 40%. We talk about the effects of this and more and how buying more hard assets faster now can help protect our wealth when we reach the high inflations levels to come. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
How to Respond When a Patient Says, “I Just Want to Use My Insurance” In this episode, Dr. Danny Matta breaks down one of the most common (and frustrating) objections in the cash-based PT world—when a patient says, “I want to use my insurance.” Learn how to respond with confidence, empathy, and strategy.
EPISODE SUMMARY BELOW - Listen to the end where I show you how I used Perplexity to tell me why the bull market may continue - BONDS.SAVE ON TRENDSPIDER
Socialism Why are government provided services never as good as private ones? We talk about SGLI and the VA. Argentina went through its period of socialism with Peron and now the people voted in Javier Milei. If you look at North and South Korea from space, why are there so many more lights in capitalist South Korea? The Millennials claim they want socialism, so why are they making capitalist decisions? We also talk about the experiment with socialism in Jamestown and how that worked out for the early settlers of what is now the U.S. Of course the government wants socialism and has the media influencing people in this direction...they want their power and control. If you want freedom, you need to take responsibility for your own life and decisions. We talk about all this and more! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
TT Family, Finance, and Freedom In this show the teenagers (Deven and Ethan) answer some of the most commonly asked question when it comes to finances, family problems, and politics. There a lot of great pieces of info in this show, as well as some questions that will make your brain turn. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
It's time to get your sleep training questions answered! In this Toddler Sleep Q & A, you'll hear about...
Anthony Chara - Leaving a Fortune 500 to Invest Anthony Chara is a seasoned Real Estate Investor that has investing and property management experience dating back to 1993. After leaving a lucrative job with a fortune 500 company to spend less time traveling, he began creating wealth for his family. He started teaching others how to do what he was doing. We have always talked about the importance of having a mentor. You can learn from him by going to http://www.ApartmentMentors.com. In this episode, Anthony talks to us about his experiences in real estate, the lessons he's learned, and the mental attitude that helped him to excel. He shares valuable information on how to improve the value of a property, how to know what upgrades may be needed, and why you may want to sell your apartment building every 5-10 years with a 1031 exchange. If you are interested in real estate, the valuable information provided here is something you don't want to miss! https://www.successclasses.com/ Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Vacci-NO-tions... Today we discuss the new guidelines for the COVID jab booster shots. We discuss vaccine testing, VAERs, and correlated negative events after vaccines are given. We also discuss vaccine manufacturer immunity, which started in 1986, and how that is being challenged in the Texas legislature currently. A Korean SUV may have a 10 year bumper to bumper warranty, but vaccines give warnings about how they might not work and side effects may include sudden death... We also talk about the theory of overpopulation and what is actually going on with birth rates around the globe. Just because a government, pharmaceutical company, or even media outlet tell you something, doesn't make it true. You should research on your own and look at all sides of a situation. There is a reason we encourage everyone to Question Everything. Doing this may just save your life! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Jim and Chris answer listener questions on Social Security filing, a PSA on SSA's online application process, the Roth 5-Year Rule, HSA strategy, and bond principal risk. (8:00) A listener asks whether Social Security's claim that delayed retirement credits aren't applied until the end of the following year is accurate, and whether anyone receives them […] The post Social Security Filing, Roth 5-Year Rule, HSA Strategy, and Bond Principal: Q&A #2522 appeared first on The Retirement and IRA Show.
Ep. 294Join Gabriel Shahin, CFP® and CEO & President of Falcon Wealth Planning, as he breaks down the proposed Trump tax bill—set to be one of the largest tax cuts in U.S. history.In this episode, you'll learn how the draft legislation (nicknamed “The One Big Beautiful Bill”) could impact:✅ Income tax brackets✅ Standard deductions✅ Tips and overtime income✅ Seniors, families, and business owners✅ HSA, 529, and MAGA savings accounts✅ Investors through bonus depreciation & Opportunity ZonesGabe highlights what's included, what's still missing, and what proactive strategies you can consider before any law is passed.
How to Get Rich & Stay Rich People need to look at the real story to make good financial decisions. While there are many sayings we've quoted before regarding making money, some favorites have been: "If your outgo exceeds your income, your upkeep will be your downfall." - Keith Cunningham "Find out what people want, go out and get it, and give it to them at a profit." - Bill Bartman "Absolute determination and on a specific (date and amount) positive goal with focus, discipline and a plan for enough time, backed up by creativity, (constant, consistent, and big) action, faith, belief that it can happen, having knowledge, experience, a team and the mindset of a leader, while you have no place to retreat" - Deven Wohlwend More than all this, there are 7 main steps to getting rich and staying rich. We share those throughout this episode. To download these steps, go to: 7 Steps to Get Rich & Stay Rich Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Description: Co-hosts Ryan Piansky, a graduate student and patient advocate living with eosinophilic esophagitis (EoE) and eosinophilic asthma, and Holly Knotowicz, a speech-language pathologist living with EoE who serves on APFED's Health Sciences Advisory Council, interview Bethany Doerfler, MS, RDN, a clinical research dietician specializing in lifestyle management of digestive diseases at Northwestern Medicine. Ryan and Holly discuss managing nutritional deficiencies in patients with non-EoE EGIDs and a study Bethany worked on. Disclaimer: The information provided in this podcast is designed to support, not replace the relationship that exists between listeners and their healthcare providers. Opinions, information, and recommendations shared in this podcast are not a substitute for medical advice. Decisions related to medical care should be made with your healthcare provider. Opinions and views of guests and co-hosts are their own. Key Takeaways: [:50] Co-host Ryan Piansky introduces the episode, brought to you thanks to the support of Education Partners Bristol Myers Squibb, Sanofi, Regeneron, and Takeda. Ryan introduces co-host Holly Knotowicz. [1:17] Holly introduces today's topic, common nutritional deficiencies that affect those with eosinophilic gastrointestinal diseases that occur in the GI tract lower than the esophagus (non-EoE EGIDs). [1:31] Holly introduces today's guest, Bethany Doerfler, a clinical research dietician specializing in lifestyle management of digestive diseases, including gastroesophageal reflux disease, motility disorders, and eosinophilic diseases. [1:45] Bethany currently practices as part of a multi-disciplinary team in a digestive health institute at Northwestern Medicine. [2:03] Bethany began working with this disorder almost 20 years ago. She worked with Dr. Gonsalves and Dr. Hirano at Northwestern. Dr. Gonsalves invited her to work with EoE patients. Bethany had not heard of EoE. [2:59] Bethany says the lens that we've used to look at food as the trigger and also a therapeutic agent in the esophagus, we're looking at in non-EoE EGIDs as well; at the same time, trying to make sure that we're honoring the other parts of our patient's lives. [3:27] Before Bethany started working in GI at Northwestern, she worked in the Wellness Institute, doing nutrition for patients at Northwestern. Bethany has a research background in epidemiology and she wanted to see better nutrition research in GI. [3:56] Through a friend, Bethany connected with the Chief of GI at that point. Northwestern had never had a dietician working in GI. [4:08] Bethany is pleased to see a trend in healthcare of thinking about the patient as a whole person, including diet, psychological wellness, physical health, exercise, sleep, and more. Bethany wanted to see more research on GI disorders. [4:38] Bethany says that eosinophils in the esophagus indicate that something is irritating the tissues, such as reflux, food triggers, aeroallergens, and other things. [4:58] Eosinophils do belong in the stomach, the small intestine, and the colon. The challenge for researchers has been, how many, where are they supposed to live, and what are they supposed to look like. [5:10] There is eosinophilic gastritis, where eosinophils can infiltrate the stomach, causing a lot of inflammatory responses that make patients sick. We see that in all parts of the small intestine and less commonly, in the colon, as well. [5:32] It's a good reminder for listeners that eosinophils are white blood cells. When they're in the tissues, they can swell things up and cause the body to have this inflammatory response in these lower GI tract organs. [5:49] The symptoms patients can experience are vomiting, diarrhea, and abdominal pain, among other things. [6:14] The nomenclature for this subset of eosinophil-associated diseases has changed and Bethany says to hang tight, there is lots of work underway to nail this down further in the next couple of months to a year. [6:29] The last guidelines were published by a Delphi Consensus in 2022. The experts in the field got together and voted on the scientific accuracy of certain statements to develop cut points for how to grade. [6:48] The experts are asking questions like: What counts as eosinophilic gastritis? What do we think are some of the symptoms and the clinical findings so that we all are looking at things through the same lens? [7:02] To get to these consensus statements, there's a lot of discussion, agreement, and good collegial discussions about making sure that we're looking at this accurately. [7:12] We're trying to give the right names to the right disorders and give clear diagnostic criteria, so that we're helping our patients get a diagnosis, and we're not labeling something incorrectly and sticking someone with an inaccurate diagnosis. [7:36] The proper terminology is eosinophilic gastritis in the stomach, eosinophilic enteritis in the small intestine, eosinophilic colitis in the colon, and eosinophilic gastroenteritis where the stomach and the small bowel are involved. [7:53] There's more to come on the clinical criteria of what makes that diagnosis but we're getting the names and the numbers right. [8:03] Holly agrees that having the symptoms given a named diagnosis is important to patients, knowing that researchers are looking into their illness. [9:00] Bethany notes that the diagnosis also means that there are opportunities for medical therapy, cut points for which medicines or therapies work or not, and billing codes. If we can't bill insurance companies, patients might not get certain services. [9:28] Ryan tells how beneficial it was for him to have access to multi-disciplinary teams and see specialists he might not have seen without the proper diagnosis and just thought it was a GI issue. He was fortunate to see a dietician and start dietary therapy. [9:53] Bethany says the dietician's priority is the patient's health and wellness. [10:13] These disorders carry clinical non-gastrointestinal manifestations: fatigue, concern over what to eat, food access issues, family support, and other food allergies. These are important things for a dietician to consider. [10:37] Are patients growing as they should? Do they feel like they have enough to eat? Do they feel excluded in social settings? There's a list of important things that we want to be looking at. That's why it's important to have a multi-disciplinary approach. [11:07] First, Bethany wants to see that her patients are physically and nutritionally well. That's a priority if we're going to try to get rid of some of the food triggers that could be exacerbating the disease. [11:20] Before Bethany takes anything out of someone's diet, she wants to make sure that they're getting enough of the good stuff to help them feel good and grow. [11:29] From a diet therapy perspective, Bethany is trying to apply a food removal or substitution protocol to other spots outside the esophagus. They're seeing that some of the triggers are very similar, both in the stomach and small intestine. [12:09] Dr. Gonsalves, Dr. Hirano, and Bethany did a study, The Elemental Study, where they wanted to uncover if food proteins carried the same trigger risk in the stomach and small intestine as they do in the esophagus. [12:35] They put their patients on a hypoallergenic elemental formula for a period, followed up, and looked at their biopsies of the stomach and small intestine. Fifteen wonderful patients made it through the trial. [12:56] One hundred percent of the patients achieved disease remission and felt better. There were some genetic alterations in the patients. Then they started the process of reintroducing foods over the year. [13:15] That was not part of the original grant but was the team's clinical interest to see what it is that people are allergic to. Some of the common suspects: wheat, dairy, eggs, soy, and nuts, were found to be very common triggers for EoG and EoN, as well. [13:47] The benefit of working with a dietician as part of your team is, first, we can remediate things the disease has caused nutritionally, and second, we can think about how diet can be a therapeutic tool to use with medications or instead of medication. [14:15] If you want to use nutrition therapeutically, you don't have to stay there if it's not the right time to be taking things out of your diet. We have some good, safe, medical therapies. You can find your food triggers but you don't have to pick that lane forever. [14:42] Holly and Ryan relate their experiences with traveling abroad and going on medical therapies when they can't stay on their diets. [15:57] Bethany says low levels of vitamins and minerals in the blood can be caused by a disorder or an elimination diet. In the U.S., dairy is the biggest source of protein for young kids. It's also the biggest source of calcium and vitamin D. [16:22] Dieticians often say, if we are going to use dietary therapy for EoE or non-EoE EGIDs, we have to think of this as a substitution diet. If we remove something, we have to replace it with something equally nutrient-dense. [16:39] Bethany and her group look at serum values of Vitamin D, B12, and iron they assess for patients. For kids, instead of drawing blood, they piece together what they're taking against what they need and see if there are gaps to fill with food or supplements. [17:32] In patients with non-EoE EGIDs, Bethany says we see the disease intersect with the food supply. When we take milk out, we're cutting the biggest source of calcium and Vitamin D. We have to replace calcium and Vitamin D. [17:55] In the 1950s, a public health law allowed wheat to be enriched with folic acid and other B vitamins and iron. When we cut out wheat, our patients aren't getting enough iron or B vitamins. We have to replace those. [18:16] For patients who have eosinophils in their stomach and small intestine, their absorption in the small bowel may be directly impacted. [18:26] People can have low levels of protein in their blood, maybe because they're eating insufficient protein or maybe because the disease doesn't allow them to absorb protein sufficiently when there's swelling in the small intestine. [18:44] There are other nutrients, like zinc, for people who have diarrhea, and magnesium if you can't eat a lot of whole grains and nuts, There are quite a few nutrients that Bethany is broadly looking at. [18:54] Based on the absorption in the small intestine, patients' doctors need to look at their B12, folic acid, iron levels, and Vitamin D. [19:12] Holly loves Bethany's terminology of replacing, not just eliminating, foods. She will use that terminology with her patients to make it feel more supportive for them. [20:40] A lot of people want to get all their nutrients through their food. That's not always practical. Vitamin D is hard to get exclusively in your diet if you're not drinking milk or eating wild-caught fish. You have to rely on fortified foods or add supplements. [21:15] One, we want to take a look at your diet and ask how are your calories. We want to make sure you're eating enough. Two, if we suspect there are some vitamin deficiencies, we check your blood or just empirically supplement you. [21:36] Supplementation should be done carefully. There are some vitamins where you can get too much of a good thing. Vitamins stored in the fat need to be at levels sufficient for repletion, dictated by age and gender. Dieticians know what to recommend. [22:19] For patients who have non-EoE EGIDs, some have tentative swallowing, so Bethany tries to do as many liquid or chewable safe options for supplements as possible. [23:46] Holly works with patients who have feeding difficulty, so she appreciates the liquid and chewable supplements for easier swallowing and quicker absorption. [24:08] Bethany mentions that some fortified oat, corn, and rice breakfast cereals are highly enriched with B vitamins and iron. Look at the labels. It can be a way to layer in more vitamins without purchasing a supplement. [25:24] Holly doesn't think patients understand how valuable a good dietician can be. She had one patient with celiac who was taking a supplement with gluten in it! She reminds listeners to always consult your care team before making any changes to your treatment plan. [25:59] Bethany's favorite thing to talk about is foods and where to find what. If listeners have questions, she is happy to post answers on the website. [26:25] The American Academy of Pediatrics says a cup of vitamin-fortified juice a day is not too much sugar and is a good source of Vitamin C and other nutrients. The calcium and Vitamin D you get from a cup of fortified juice is very value-available. [26:46] In the non-dairy drink world, some are nicely fortified and some are not. If you make your almond milk, you're missing out on the fortifications. [27:11] Bethany likes some of the fortified juices and some of the enriched non-dairy milk options. Those are the best ways to get calcium and Vitamin D for people who need calories. Instead of water with meals, substitute an enriched drink with meals. [27:33] Some people struggle with protein, probably because of their level of food restriction. The typical animal proteins are great. If you can do soy, a cup of soy milk has eight grams of protein. Soy is a complete protein that mimics animal proteins. [28:04] Cook your cereal in soy milk. Use it as the base of a smoothie. This is before getting into protein powders. Try legume-based proteins, if you can handle legumes. Your supplements have to be personalized. That's the tricky part. [28:30] If you have a lot of food allergies or intolerances, it may be worth talking to your gastroenterologist, allergist, or dietician about adding elemental formula as a supplement. Bethany uses it often with food allergy patients as a safe supplement. [29:31] Bethany primarily treats adults but also young adults transitioning from the pediatric side into the adult world. Sometimes a feeding difficulty follows patients into adult treatment. We need everyone at the table to treat this immune-mediated disease. [30:32] Patient advocacy groups like APFED have ways to help you find dieticians. Also, the Academy of Nutrition and Dietetics has “Find a Specialist” on their website. Eatright.org. Dieticians can do telehealth if you are not near one. [31:45] If the practice that you're in doesn't have a dietician, you could gently suggest they have one join the practice, or consult with the practice. Patient advocacy is strong. [33:12] Bethany talks about getting an appointment with a dietician. On the pediatric side, it has to do with the billing code. Ask your insurance if they cover medical nutrition therapy, Billing Code 97802, and for which diseases. Insurance may have stipulations. [34:14] If medical nutrition therapy is not a covered benefit, ask the dietician if they can do a sliding scale. Holly says she has seen plans in several states where the patient can use the HSA or FSA card to pay for medical nutrition therapy. [34:49] Bethany believes in the pediatric world, where growth and development are concerns, there's a little bit better coverage. [34:59] On the adult side, if Bethany has other diagnoses, like high blood pressure, or diabetes, she is also billing for those because she makes sure what she recommends is also in line with what is good for their heart and wellness in general. [35:55] Bethany was intrigued to learn food proteins do trigger disease activity for our patients in the stomach and small intestine, just as in the esophagus. [36:20] In the Elemental Trial, they were surprised to learn people with non-EoE EGIDs had more allergies than expected. They were more likely to have more than just one or two. They were also more likely to have rare food allergies like legumes or grains. [36:43] A patient may want to learn all their food triggers, but they may be a highly allergic person and it may not be worth trying to remove all their food triggers. [37:06] Bethany wants to remind listeners that the diet approach should be a substitution diet. If you take things out, you've got to replace them with other plants. [37:18] There's great crossover nutrition between fruits and vegetables. Seeds are great as a fill-in for nuts. There are plenty of other whole grains out there besides wheat. There are lots of good ways to get that nutritional balance into your diet. [37:31] For anyone who's eliminating a food group, even if you're substituting it, it's a good idea to talk to your doctor about filling in with a good multivitamin, multimineral supplement. [37:59] Bethany says it's fun working with colleagues to look for other ways to look at this nutrition lens for patients with Non-EoE EGIDs. [38:14] They are looking at noninvasive ways to find eosinophils to go faster with helping people find their food triggers without having to scope them. [38:28] Bethany is hoping with that research to be able to help people learn how they can cheat, like having pizza once a month if they are allergic to dairy. That's a question for your care team, but we don't have a great science-based way to answer that. [38:53] As we study more noninvasive ways to get at eosinophilic activity, we can give patients a little bit more freedom and quality of life. That's what Bethany is working on next. [39:58] Holly thanks Bethany Doerfler for joining us on Real Talk — Eosinophilic Diseases. For our listeners, to learn more about eosinophilic disorders, please visit APFED.org and check out the links in the show notes. [40:11] If you're looking to find specialists who treat eosinophilic disorders, we encourage you to use APFED's Specialist Finder at APFED.org/specialist. [40:21] If you'd like to connect with others impacted by eosinophilic diseases, please join APFED's online community on the Inspire Network at APFED.org/connections. [40:34] Holly thanks Bethany for joining us today. Holly also thanks APFED's Education Partners Bristol Myers Squibb, Sanofi, Regeneron, and Takeda for supporting this episode. Mentioned in This Episode: Bethany Doerfler, MS, RD, Clinical Research Dietician specializing in lifestyle management of digestive diseases at Northwestern Medicine Dr. Nirmala Gonsalves Dr. Ikuo Hirano (In Memoriam) The Elemental Study, Gonsalves, Doerfler, Hirano Academy of Nutrition and Dietetics APFED on YouTube, Twitter, Facebook, Pinterest, Instagram Real Talk: Eosinophilic Diseases Podcast apfed.org/specialist apfed.org/connections Education Partners: This episode of APFED's podcast is brought to you thanks to the support of Bristol Myers Squibb, Sanofi, Regeneron, and Takeda. Tweetables: “The lens that we've used to look at food as the trigger and also a therapeutic agent in the esophagus, we're doing that in non-EoE EGIDs as well, and at the same time, trying to make sure that we're honoring the other parts of our patient's lives.” — Bethany Doerfler, RD “We are trying to give the right names to the right disorders and give clear diagnostic criteria so that we're helping our patients get a diagnosis, and we're not labeling something incorrectly and sticking someone with a diagnosis that isn't accurate.” — Bethany Doerfler, RD “The diagnosis also means that there are opportunities for medical therapy, cut points for which we decide if medicines or other therapies work or not, and billing codes. If we can't bill insurance companies, patients may not be privy to certain services.” — Bethany Doerfler, RD “Look at the [fortified cereal] labels. You'd be surprised how much they look like a multivitamin, not only for B vitamins but for iron. … It can be a fantastic way to layer in more vitamins without having to think about purchasing a supplement.” — Bethany Doerfler, RD “There's great crossover nutrition between fruits and vegetables. Seeds are great as a fill-in for nuts. There are plenty of other whole grains out there besides wheat. There are lots of good ways for us to get that nutritional balance into your diet.” — Bethany Doerfler, RD
Debt and Taxes Moody's has downgraded the U.S. credit rating due to the debt the government has accrued. This is having an effect on the bond market. Having money in stocks, bonds, and mutual funds is not diversification. We discuss different investments, including alternative investments. We discuss the debt that the average person is carrying and how high balances and high interest rates make it difficult to pay off. We talk about tariffs and taxes as well as the problems that were caused by bad decisions by governments. Why was Hong Kong so successful? Why did we really fight the Civil War? We talk about all this & more! Use this information to make your financial world a better place. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Bug infestations are stressful. Having an established relationship with a “bug guy” helps exterminate that stress. All emergencies are more stressful when you try to handle them alone, but having a financial planner who enables you to understand where funds can come from helps decrease your stress. Listen in as Ben Utley and Nate Reineke discuss what funds you should use to save for retirement and how those funds help cover you in an emergency. We also answer your colleagues' questions. Changing Advisors An ENT in Florida is changing advisors and wants to know if a proper break-up is required or if ghosting is acceptable. Covered Call and Put Options An internal med doc in Texas has been trying to get more involved in his finances and wants our opinion on covered call and put options. Funding HSA vs FSAA listener emailed in and is changing jobs. They are curious if they can fund an HSA right away or if they have to wait since they currently have an FSA. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures
TT - Michelle and Cydney Diaz In this the teenagers interview Michelle and Cydney Diaz about their family, business, writing, college and more. They talk about the importance of a strong family, hard assets and planning for the future. They also talk about the Diaz family's recent problems with CPS and how they are fighting against the government simply because the parents didn't make the kids get an experimental gene therapy. Links for Cydney and Michelle Diaz: https://hemelein.com/2025/03/21/content-reveal-for-glory-and-honor/ https://www.linkedin.com/in/cydney-diaz https://www.instagram.com/authormichellediaz https://www.facebook.com/authormichellediaz https://michellejdiaz.com/ Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Jeff Waicak – Building a Real Estate Legacy In this episode of the Real Power Family Radio Show, hosts Eric, Lila & Deven speak with Jeff Waicak about his journey in real estate, the importance of camaraderie in the workplace, and the lessons learned from both successes and challenges. Jeff shares insights on rehabbing versus flipping properties, the significance of teaching the next generation about real estate, and how innovative systems can improve efficiency in property management. The conversation emphasizes the value of win-win situations and the personal growth that comes from overcoming obstacles in the real estate industry. In this conversation, they discuss the importance of organization, systems, and persistence in the construction and rehabilitation industry. They share personal experiences about how effective systems can enhance productivity, reduce stress, and improve morale among workers. The discussion also touches on the significance of training new employees and the impact of work on personal life. They emphasize the value of learning from failures and the necessity of taking action to achieve success. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428) Keywords real estate, investing, property management, mentorship, family, systems, camaraderie, challenges, flipping, rehabbing, efficiency, systems, training, work-life balance, persistence, success, organization, plumbing, electrical, mentoring Takeaways Jeff started investing in real estate after being inspired by a teacher. He prefers to hold properties rather than flip them for quick profits. Camaraderie in the workplace is a significant motivator for Jeff. Teaching his children about real estate is a priority for Jeff. Win-win situations are essential for long-term business relationships. Handling challenges in real estate builds resilience and experience. Learning from systems in fast food can improve efficiency in property management. Jeff emphasizes the importance of having a well-organized supply system. Personal growth comes from overcoming challenges in the industry. Family involvement in real estate can lead to shared success. Organizing tools effectively can save time and increase productivity. Having a system in place can significantly improve work efficiency. Training and mentoring new employees is crucial for maintaining a successful workflow. Work-life balance is essential for personal happiness and productivity. Persistence and the willingness to learn from failure are key to success. Creating a structured approach to tasks can reduce stress and improve morale. It's important to minimize trips to the store to maintain workflow. Experience and continuous learning contribute to better problem-solving skills. Success often comes from tenacity and not being afraid to fail. Realizing that personal happiness at work translates to better relationships at home.
In this episode, Dr. Preston Cherry breaks down why Health Savings Accounts (HSAs) are a powerful tool—not just for today's medical bills but for building your retirement nest egg. With big tax perks and long-term flexibility, HSAs can do more than you think. Learn how to use them smartly now and in retirement.Takeaways:• Triple Tax Advantage• Max Out Contributions• Invest for Growth• Cover Future Healthcare• No Expiration DateWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/
Did you know that the median retail investor spends only six minutes researching a stock before buying it? Most of that time is spent staring at a price chart—often just the current day's movement. Nick compares the limited “research” many individual investors conduct to the extensive analysis performed by Henssler's research analysts.K.C. then takes a closer look at the “One Big Beautiful Bill” that passed the House of Representatives just hours before we recorded. We discuss the revised State and Local Tax (SALT) deduction cap, the increased Child Tax Credit, and the proposed tax break on tip income. While the bill's fate in the Senate remains uncertain, it appears that many of Trump's 2017 tax cuts may be extended.Last Friday, after the market closed, Moody's became the third major credit rating agency to downgrade the U.S. government's debt rating. The cut comes at a time when global confidence in U.S. debt is wavering, and Congress is debating a tax bill that could further increase the national debt. We examine what this downgrade means and whether it reflects actual investment risk.After the break, D.J. breaks down Health Savings Accounts (HSAs) and explains why they're one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health-care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.Henssler Money Talks — May 24, 2025 | Season 39, Episode 21Timestamps and Chapters4:38: Impulse Investors26:31: House Approves One Big Beautiful Bill33:06: Moody's Downgrade39:50: Economic News45:37: HSAs: Triple Tax BenefitFollow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/
Ever wonder what the best way to use your #HSA is? In this episode of #MoneyGuidewithMarySterk, we cover the must-know details surrounding when and how to best use your #healthsavingsaccount.#savingsaccount #healthinsurance #deductible #healthcare #expenses #incometax #taxcode #prescription #lasik #dentalcare #teethwhitening #braces #extraction #hearingimpaired #guidedog #serviceanimals #chiropractor #infertility #accupuncture #addictionrecovery #rehabilitation #mentalhealth #therapy #transportation #travel Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter
There are certain accounts that contribute to a person's #financial success. In this episode of #MoneyGuidewithMarySterk, we discuss the 6 #accounts everyone should have.#FDIC #checkingaccount #checksandbalances #bills #personalfinance #budget #emergencyfund #savingsaccount #expenses #creditcards #credit #creditscore #creditlimit #identitytheft #retirement #retirementaccount #socialsecurity #ROTHIRA #brokerageaccount #HSA #medicalexpenses Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contactSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter
In this episode, Professor T discusses something at the top of everyone's minds when going to CRNA school - how am I going to pay for this?! We break down the smart, intentional decisions that made this possible—from qualifying for Public Service Loan Forgiveness and maximizing a 401(k), to avoiding lifestyle inflation and strategically investing in a surgery center. We also touch on practical tips like using 0% interest loans for home repairs, maintaining excellent credit, and leveraging employer benefits like HSA and childcare accounts. If you're navigating your own financial future after CRNA school, this episode will give you both actionable steps and long-term strategies. Stick around until the end to learn how one savvy investment—without using a single dollar of personal savings—yielded over $180,000 annually.
Financial Friday: Charity vs. Welfare & Types of loans For Financial Friday we discuss experiences at different conferences, property taxes across different states, commercial loans, and gold investment strategies. We also discussed the benefits of local charity versus government welfare programs, concluding with ideas for real estate and precious metal investments. State Property Tax Burden Comparison Ohio ranks 8th highest in the nation for property tax burden. Eric discussed the growing frustration among Ohio taxpayers regarding property tax increases, highlighting how senior citizens are particularly affected. He emphasized the need for legislative action to address this issue, noting that while the proposed constitutional amendment to abolish property taxes requires about 400,000 signatures to get on the ballot. He also mentioned the potential for more tax foreclosures in Ohio and offered resources for learning about property tax sales. Local Charity vs. Government Welfare The group discussed the benefits of local charity versus government welfare programs, including a local community chest and how local businesses and individuals helped each other. Deven said that government handouts should be replaced with local charity efforts, citing the Constitution's focus on the pursuit of happiness rather than guaranteed welfare. Lila shared her experience helping a nursing student with Christmas assistance, emphasizing that local charity provides more meaningful connections between giver and receiver. They agreed that local charities would likely be more effective and that people would donate more if taxes were lower. Finally, they discussed the idea of defunding government-funded schools, with Eric suggesting that locally funded schools would be less likely to threaten parents or label them as domestic terrorists for opposing certain educational policies. Commercial Loan Maturity Peak 2025 Financial data shows that 2025 may be the peak year for commercial loan maturations, with over $5 billion coming due by October. Obtaining bank loans & the fees and interest rates involved as well as working with smaller banks for better service and deals. We explain how the "extend and pretend" strategy can lead to worse problems in the future. He detailed how commercial loans differ from residential loans and emphasized the importance of understanding loan terms and financial statements. Eric also shared his experience brokering deals during the 2009-2010 period and predicted more opportunities in the coming year or two from tax foreclosures and pocket listings. Gold Investment and Reserve Planning The group discussed gold investment strategies & a good possibility of a significant increase in gold prices over the next 5-10 years. They explored the importance of maintaining operating reserves while minimizing cash in banks, and discussed using real estate as collateral for loans. The conversation concluded with talking about how he invests in gold and silver through American Gold Exchange, and Deven was encouraged to take action on his real estate investment goals. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Abolishing Property Taxes in Ohio The meeting covered topics related to property taxes, economic issues, and investment strategies. Discussions included concerns about property tax increases, hope for proposed reforms, and the impact of government regulations on property owners and tenants. The group also explored financial planning, investment opportunities in precious metals, and the importance of making informed decisions to navigate current economic challenges. Property Tax Reform Challenges The group discussed property tax reform, with Eric sharing a proposed constitutional amendment in Ohio which requires 413,487 signatures from registered voters & could eliminate property taxes completely. Lila and Deven noted significant property tax increases of up to 30% in their area, while rental rates remained relatively stable, creating financial strain for property owners. The discussion concluded with Eric explaining how market dynamics, including interest rates and pricing strategies, have contributed to the current housing market challenges. He expressed frustration with high property taxes and criticized politicians for not addressing the issue effectively. Repeating Patterns in Economic Policy Eric and Ethan discuss how history tends to repeat itself in similar patterns, though not exactly. They attribute the current inflation to the pandemic response, including lockdowns and monetary policies implemented by both Trump and Biden administrations. Eric explains that inflation occurs when money is injected into the economy without corresponding value creation. The conversation then shifts to criticizing both political parties for contributing to inflation and discussing a recent deal with Ukraine, which Eric claims forgives previous aid and doesn't provide the promised rare earth materials, focusing instead on oil. Rent Control and Silver Markets The group discussed the impact of rent increases and market forces on property owners and tenants. Eric explained how price controls can lead to unintended consequences, such as reducing competition and limiting tenant choices. They also talked about the current state of gold and silver prices, with Eric predicting significant increases in the long term. The conversation concluded with a discussion about new silver rounds featuring the Real Power Family logo, which will be available soon, and plans to create content about them for their YouTube channel. Gold Investment and Financial Planning The discussion focused on investment strategies and financial planning, with Eric emphasizing the importance of working smart and making better decisions. Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)
Erik Oliver holds a Bachelor of Applied Science in Accounting from Westminster College. Prior to joining Cost Segregation Authority, Erik was an Operations Manager for a multi-million dollar landscaping and design firm in Long Island, NY. Since heading west and joining Cost Segregation Authority, Erik has been speaking at local, regional, and national events. He brings with him a passion for identifying cost savings and educating commercial real estate owners on the benefits of cost segregation. What You Will Learn: Who is Erik Oliver? How does selling a property and carrying the note benefit the seller? What is the concept of the "velocity of money" in investing? How can self-directed IRAs be utilized for note investing? What are the tax advantages of using a health savings account (HSA) for investments? How is interest income from notes taxed for individual investors? What happens to the depreciation recapture when a property is sold? How has the percentage of bonus depreciation changed from 2022 to 2027? What legislative actions are currently being discussed regarding bonus depreciation? How can investors prepare for potential changes in tax legislation affecting real estate? How can real estate investors utilize these tax credits to their advantage? What should a real estate investor do if their current tax preparer is unaware of these tax strategies? How can real estate agents use cost segregation to differentiate themselves in the market? What is the process for business owners, such as dentists, to benefit from cost segregation? How can cost segregation be applied to dental offices and other medical practices? How flexible is the timing for conducting a cost segregation study after purchasing a property? What are the tax implications for international investors, such as Canadians, who own U.S. properties? What key takeaway does Erik emphasize about the difference between tax preparers and tax strategists? How can real estate professionals leverage cost segregation to provide value to their clients? Erik shares how everyone can contact her. Additional Resources from Erik Oliver: Website: https://csap.com/ Email: erik@costsegauthority.com LinkedIn: https://www.linkedin.com/in/erik-oliver-b800657/ Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW! Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg
Thinking about collecting Social Security while you're still working? It's a tempting option, but there are several crucial mistakes you'll want to avoid. Using real-life stories, I'm laying out the four big pitfalls, like earning over the social security limit, jeopardizing your health savings account, mishandling Medicare enrollment, and forgetting about tax withholding. These missteps can lead to unnecessary penalties, and so I want to give some actionable strategies to help you make the most of your benefits without unpleasant surprises. You will want to hear this episode if you are interested in... [00:00] Four key factors to consider before collecting Social Security while you're still working. [06:04] Collecting benefits while working can affect HSA contributions. [07:40] Stop HSA contributions six months before enrolling in Medicare Part A to avoid penalties. [13:32] Enrolling in Medicare Part B while having employer insurance is unnecessary, as employer coverage remains primary. [14:33] Medigap timing and social security taxes. [15:21] Social Security is taxable income for most people, which means that you will owe income tax on that money. Choosing when and how to collect Social Security is complex, especially if you intend to keep working beyond age 62. While the prospect of “double-dipping” might seem appealing, several critical factors can impact your overall benefit, tax situation, and healthcare coverage. Here are the four big mistakes I often see: 1. Exceeding the Social Security Earnings Limit One of the biggest mistakes is not understanding the earnings limit set by Social Security for those who collect benefits before reaching their full retirement age (FRA). If you start taking benefits before your FRA, which currently ranges from 66 to 67 depending on your birth year, your benefits may be reduced if your annual earnings exceed a certain threshold. Before FRA: For every $2 you earn over this limit, Social Security will deduct $1 from your benefits. The year you reach FRA: The limit jumps to $62,160, but the calculation changes to $1 withheld for every $3 over the limit, and only the months before your birthday month are counted. After FRA, there is no longer an earnings cap; you can earn as much as you want without reducing your benefits. Failing to plan for these restrictions can lead to a surprise clawback, so calculate your annual income carefully if you plan to collect early. 2. Losing Eligibility to Contribute to an HSA If you're enrolled in a high-deductible health plan and are contributing to a Health Savings Account (HSA), be wary: Once you enroll for Social Security after age 65, you're automatically enrolled in Medicare Part A. By law, you cannot contribute to an HSA while on Medicare. To make matters more complex, Medicare Part A enrollment is retroactive up to six months, and any contributions made to your HSA during that period will be considered excess contributions, exposed to a 6% IRS penalty unless withdrawn in time. Before you trigger Social Security benefits, stop your HSA contributions (and your employer's) at least six months in advance to avoid penalties and the loss of valuable tax deductions. 3. Accidental Enrollment in Medicare Part B Some assume that enrolling in Medicare Part B is required or beneficial while they keep their employer coverage, but that's not always the case. If your employer has 20 or more employees and you're covered under their group health insurance, your employer's plan remains primary, and Medicare Part B is unnecessary and costly, with premiums starting at $185/month and higher for high earners. Enrolling in Part B during this period can limit your future ability to buy a Medigap policy with automatic acceptance (no health questions or exclusions for pre-existing conditions). Unless you're losing employer coverage, it's usually best to delay enrolling in Part B and carefully respond to any enrollment communications from Social Security. 4. Not Withholding Enough Taxes on Social Security Payments Social Security benefits are taxable for most retirees, especially if you're still working. You need to anticipate the added income and withhold sufficient federal (and potentially state) taxes to avoid underpayment penalties. You can file IRS Form W-4V to have Social Security withhold federal tax from each payment, choosing between 7%, 10%, 12%, and 22%. Alternatively, increase withholding at work or make estimated tax payments. Planning ahead ensures you won't face a large bill come tax time. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
With Jim away at a conference, Chris is joined by Jake and Jacob to answer listener questions on child-in-care spousal benefits, the Earnings Test, HSA strategy, reconstructing cost basis, and Social Security timing concerns. (6:00) A listener asks whether reaching full retirement age makes him ineligible for child-in-care spousal benefits, and what steps he can take […] The post Social Security, HSA Strategy, and Cost Basis: Q&A #2520 appeared first on The Retirement and IRA Show.
In this special AMA Mailbag episode, Jean dives into your most pressing retirement questions with listeners Pam and Laurie. First up, Pam, who inherited an IRA from her late mother, wonders whether to cash it out or invest it for the long haul. Then we hear from Laurie, a military spouse navigating what to do with her husband's TSP now that he's out of the service. Should they roll it over? Keep it where it is? And what's the best way for a newly self-employed woman to start saving for retirement on her own terms?
In this episode of the Personal Finance Podcast Money Q&A, we are going to talk about the fastest Way to 1 million Roth Rules, and should you rent forever. Watch this episode on Youtube Today we are going to answer these questions! Question 1: How do I build back my emergency fund after using it, and where should I move money from to do this? Question 2: Is it wise to invest my HSA funds? Question 3: I've come across an extra $500/month. Should I put it toward credit card debt or savings? Question 4: Should I roll my rollover IRA back into my new 401(k) plan now that I've started a new job? Question 5: How do I become a millionaire in a rapid-fire way? Question 6: As a 28-year-old in a high cost of living area, would I be better off renting forever and investing the difference instead of owning? Question 7: If I make over $150K/year, should I stop investing in Roth accounts for my IRA and 401(k)? Question 8: Should I still move my money from my Roth 401(k) to a Roth IRA, or are they essentially the same thing? Question 9: My mortgage rate is 6.625%. You always say over 6% is high-interest debt—should I pay it off early? Question 10: Have you heard of the AIQ ETF? What are your thoughts on it? How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew's course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok. Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Go to https://joindeleteme.com/PFP20/ for 20% off! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Turn your business dream into reality! Apply now at www.oneday.org/pfp Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today! Shop Data Plans and Save Big at mintmobile.com/pfp Links Mentioned in This Episode: The Ultimate Guide to the HSA (The Super Retirement Account!) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
Brian and Bo unpack Gallup's Personal Financial Situation Index that asks how Americans are feeling about their finances and what they anticipate in the future. We talk through how financial mutants power through uncertain times and maintain financial optimism. After that, we answer your questions about buying in a downturn, using an HSA as an emergency fund, paying for a car from a brokerage, and a whole lot more. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices
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