Podcasts about Insurance

#665: If you've ever stared at an insurance quote and wondered, “Is this really worth it?”, you're not alone. Liability and umbrella policies can feel like an expensive mystery, especially when your net worth is growing and your risks are shifting. In today's episode, we dig into a listener's dilemma about soaring liability and umbrella insurance costs, and we explore how to think clearly about protection, exposure, and the parts of your portfolio that may already be shielded. Along the way, we unpack how shifting household risks, driver ages, and asset location change the insurance strategy year by year. From there, we take questions about Roth choices, future tax brackets, and whether it's worth giving up investment flexibility to build a stronger tax triangle. These conversations get to the heart of how we balance risk, taxes, and long-term planning in the FI journey. Listener Questions in This Episode Andy asks: How can I protect my $2 million net worth without paying nearly $950 a month for increased auto, home, and umbrella coverage, especially with a teenage driver in the mix? (01:47) Mike asks: Given our high current tax bracket and expected lower tax rate in retirement, does contributing to a Roth still make sense for us? (25:50) Cindy asks: Should I move my rollover IRA into my new 401(k) so I can start doing backdoor Roth contributions, even if the investment choices are more limited? (39:47) Key Takeaways Sometimes the question isn't “umbrella or nothing,” it's “what risk am I truly trying to insure, and for how long,” especially when a teenage driver temporarily changes the household risk profile.
 You already may have more asset protection than you think. Retirement accounts and primary residences often carry their own layers of protection, which influences how much liability insurance you actually need.
 The Roth decision hinges less on math in isolation and more on your likely future earnings, work style, and appetite for locking in today's tax rates.
 Building a balanced tax triangle gives you flexibility later, especially when future tax rates are unknowable and retirement timing is uncertain.
 Backdoor Roths can be powerful, but only when the tradeoff between investment choice and long-term tax flexibility makes sense for your goals and timeline.
 Related Episode: Episode 649: Umbrella insurance deep dive Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (00:00) Offense versus defense and setting up today's questions
 (01:47) Andy asks about protecting a $2 million net worth
 (12:00) What's already protected and how coverage layers work
 (17:00) Managing short-term risk when a teenager starts driving
 (29:50) Mike asks whether high earners should prioritize Roth contributions
 (35:07) How career trajectory and future tax rates shape Roth logic
( 45:54) Building a balanced tax triangle
 (47:47) Cindy asks about using a backdoor Roth to shift her tax triangle
( 52:10) Tradeoffs of moving an IRA into a 401k
 (54:06) How long Roth dollars need to grow to matter Share this episode with a friend, colleagues, your tax advisor: https://affordanything.com/episode665 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Click Here for the Show Notes The episode explores the critical role that insurance plays in real estate investing, particularly for rental properties. The conversation covers the types of policies investors should understand, emphasizing liability coverage and the difference between actual cash value and replacement cost, along with noting that wind and hail coverage is typically included. It also highlights the St. Louis real estate market, known for its affordability and strong rental demand with more than half of residents renting their homes. The discussion reinforces the importance of strong property management, thorough tenant screening, and careful expense control as essential elements for protecting investments and maximizing cash flow. If you're looking to strengthen your own investment strategy, dive into the full episode to gain deeper insights and start applying these proven practices to your portfolio. For personalized guidance or support with your next investment, contact us today. -------------------------------- Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. SUBSCRIBE on iTunes   If you missed our last episode, be sure to listen to TBT: Ask Marco - Should I Pay Off My Rentals? Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals. -------------------------------------------------------- #LearningRealEstate #AskMarco #PassiveRealEstateInvesting #Turnkeyproperties #RealEstatePodcast #Investment #investors #RealEstateInvestors #RentalProperties #TurnkeyProperties #NoradaRealEstateInvestments

Chelsea J. Smith walks into a studio and suddenly I feel like a smurf. She's six-foot-three of sharp humor, dancer's poise, and radioactive charm. A working actor and thyroid cancer survivor, Chelsea is the kind of guest who laughs while dropping truth bombs about what it means to be told you're “lucky” to have the “good cancer.” We talk about turning trauma into art, how Shakespeare saved her sanity during the pandemic, and why bartending might be the best acting class money can't buy. She drops the polite bullshit, dismantles survivor guilt with punchline precision, and reminds every listener that grace and rage can live in the same body. If you've ever been told to “walk it off” while your body betrayed you, this one hits close.RELATED LINKS• Chelsea J. Smith Website• Chelsea on Instagram• Chelsea on Backstage• Chelsea on YouTube• Cancer Hope Network• Artichokes and Grace – Book by Chelsea's motherFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Leadership is shaped in the moments when uncertainty meets opportunity. Jason Cass sits down with Doug McElhaney, Chief Strategy Officer at Applied Systems, for an Executive Sessions discussion at the Applied Conference, where Doug breaks down how strategic clarity guides agencies through rapid technological change. Drawing from his years at McKinsey and his work at Applied Systems, he shares the decisions, mentors, and personal experiences that continue to influence his approach to leadership and industry impact. Key Topics: Understanding strategy through hard-to-reverse decisions Top-down thinking and identifying value-producing objectives Overcoming analysis paralysis in agency decision-making Mentorship philosophies and leadership growth Mindsets that shape personal and professional confidence People-driven execution of technology and data Navigating industry transformation and accelerating change Insurance access, protection gaps, and real-world impact Bold thinking and envisioning long-term industry progress Reach out to: Doug McElhaney Jason Cass Visit Website: Applied Systems Agency Intelligence Produced by PodSquad.fm

Welcome back to the show where we help financial advisors build efficient, profitable, and deeply human advisory firms. In this episode, Libby dives into the heart of creating a scalable and sustainable client service model. She breaks down the mindset shifts advisors need, the math behind revenue per hour, how to segment your book intentionally, and why aligning your service model with profitability is the key to delivering exceptional client experiences. This is a thoughtful, practical, and empowering conversation to help you reshape your ongoing service in a way that benefits you, your team, and your clients.What you'll learn in this episode: • Why advisors struggle with mental blocks around pricing, fees, and client segmentation  • How to calculate your true revenue per hour and use it to make better capacity decisions • A step-by-step process for segmenting clients and defining aligned service levels • How to avoid client subsidization and ensure each household is serviced profitably • Ways to right-size service for clients who don't meet your hourly rate, without sacrificing care or professionalism As Libby walks through each step, you'll gain clarity, confidence, and a practical roadmap to redesign your client service model so you can serve clients exceptionally well without overwhelming your team. This episode will help you work smarter, stay focused on what matters, and build a practice you love managing every single day ✨.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Ever wondered what insurance is. Here I beak it down in super short video. Subscribe for daily money education.

A pool route looks peaceful from the curb, but the work sits where chemistry, electricity, plumbing, and customer trust collide. We brought on Sean Reardon, the insurance broker serving the United Pool Association, to unpack the real risks pool technicians face and why generic coverage so often misses the mark. From the UPA's origins as a mutual support network to the evolution of group policies built for technicians, we explore how smart coverage, good training, and honest reporting can turn worst-day scenarios into manageable claims.We walk through claim stories that stick. A heater installation near a shared wall led to alleged carbon monoxide poisoning when someone powered it up before venting was complete—an expensive reminder that pollution exclusions can swallow a “normal” pool tech job unless your policy is modified. A veteran pro mixed the wrong chemicals and triggered leaks across a skimmer line, proving that one rushed moment can mean weeks of remediation. A new hire “frisbeed” trichlor tabs into a dark-surfaced pool and branded it with round stains. And in a painful mix-up, chlorine meant for a dirty fountain ended up in a koi pond, wiping out prized fish within an hour.Sign up for UPA Insurance here:https://docs.google.com/forms/d/e/1FAIpQLSfRQjHJGFLIOqZVzHm4_PNUz8Tokl_InR0wjyp5ahO93h3Z0Q/viewform?usp=send_form• UPA's origin as chapters covering routes and sick leave• Why group insurance tailored to pool techs saves money and risk• Pollution exclusions and how endorsements change outcomes• Carbon monoxide claim and the importance of duty to defend• Chemical handling errors and skimmer line damage• Training gaps leading to “hockey puck” stains• Koi pond chlorination loss and rapid response• Cameras, transparency, and reporting incidents early• Practical habits to avoid co-mingling and mislabeling• How to join UPA and find the sign-up formThe easiest way to find the sign-up form for UPA is to go to my website, swimmingpoollearning.com. Again, that's swimmingpoollearnSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Mark Rodgers, Founder of Trailstone Insurance, the agency featured on the December 2025 front cover of Rough Notes Magazine.  Key Topics: Mark's reaction to being selected for the Rough Notes Magazine front cover  Trailstone's growth from a small agency to a large operation after shifting strategy in 2017–2018 Building automation in 2019 and writing more than 50 million in new personal lines premium Moving from purchased leads to strong inbound through social media, YouTube, and referral partners A sales process centered on homeowner targeting, education, and retention systems Operating fully inside HubSpot for AMS, CRM, communication, and workflow management Leveraging offshore teams, automation, and Traction accountability charts to support scale and culture Reach out to: Mark Rodgers Jason Cass Visit Website: Trailstone Insurance Rough Notes Magazine Produced by PodSquad.fm

Disasters are affecting more people and property than ever before. Since 1980, the U.S. has experienced 400+ weather-related "billion dollar" disasters, $3 trillion in economic impacts, and thousands of lives and livelihoods. In the effort to build our disaster resilience as a society, what's the role of insurance?In this episode, our hosts are joined by Carolyn Kousky, Insurance for Good, and Marc Ragin, University of Georgia Terry College of Business. This month's guests discuss a question at the heart of disaster insurance: what's the best way to incentivize risk reduction for both insurance companies and customers?If you're curious about how disaster insurance works, options for making insurance better suited for new risks, or why premiums are getting so darn high, this is the episode for you.Marc's Haiku:High insurance ratesWe need collective actionTake your vitaminsCarolyn's Haiku, written by Matsuo Bashō (translated from Japanese):As they begin to rise again Chrysanthemums faintly smellafter the flooding rainLearn more about UGA and Duke's CIRCAD partnership: https://circad.org/Carolyn's book: https://islandpress.org/books/understanding-disaster-insurance#descCarolyn's nonprofit, Insurance for Good: https://www.insuranceforgood.org/

In This Episode Erin and Weer'd discuss: a friend of the show is in a legal jam and wishes he had concealed carry insurance; a woman working nights at 7-11 had to defend herself with a pistol, and was fired because of it; a doorman in New York City also defended himself with a pistol, but because it wasn't registered that means jail time; Trump nominated an ATF Director...  but is he any good? and the Trump DOJ has decided to fight to keep the NFA. Weer'd talks to Tony Simon about his life as a Locksmith Did you know that we have a Patreon? Join now for the low, low cost of $4/month (that's $1/podcast) and you'll get to listen to our podcast on Friday instead of Mondays, as well as patron-only content like mag dump episodes, our hilarious blooper reels and film tracks. Main Topic Pam Bondi DOJ Reframes Case Challenging Constitutionality of NFA as Tax Issue, Not 2A Issue Trump Nominates Deputy Director to Top ATF Role 'You have a right to defend yourself': 7-Eleven clerk fired after shooting attacker An Elderly Man Stopped a Mugger and Saved His Own Life – New York Rewards Him with 4 Years in Prison Tony Simon Diversity Shoot Gun & Gear Review Firearms Insider Second is For Everyone Covert Industries-Covert Companion Pro Sparrows Tuxedo Set The Stainless Steel Rat (8 book series)    

Planning your next adventure? Travel is changing fast. In this rich exploration of the current landscape, Barrett Gruber sits down with Juan Velasquez, host of the Travel People's Podcast and consultant for Cruise Planners, to break down the evolving state of travel in 2025.Juan shares essential, timely insights on why a human expert is still vital in the age of AI, the non-negotiable role of travel insurance, and how global politics and cultural perspectives are reshaping our journeys.Key Takeaways You Can't Miss:Human vs. AI in Planning: Why the expertise and client relationships of a travel advisor are irreplaceable, even as AI tools become more common.The Insurance Imperative: Understanding why travel insurance is more critical than ever for protecting against unforeseen global and personal circumstances.Ambassador Abroad: The importance of being a mindful cultural ambassador for your country and how perceptions impact travel experiences.Shifting Trends: A look at the new travel trends, from focusing on unique experiences and local businesses to understanding the full cost of a trip.This conversation is a must-listen for anyone planning a trip, working in the travel industry, or simply curious about the journey ahead!The Travel People, LLC | Cruise Planners | FacebookJuan Velazquez | FacebookThe Travel Peoples Podcast | FacebookThe Travel Peoples Podcast | YouTubeThe Travel Peoples Podcast | InstagramZac King | LinktreeBarrett Gruber | LinktreeThe All About Nothing: Podcast | LinktreeClick here for Episode Show Notes!As always, "The All About Nothing: Podcast" is owned and distributed by BIG Media LLC!Check out our network of fantastic podcasts!Click Here to see available advertising packages!Click Here for information on the "Fair Use Copyright Notice" for this podcast.Mentioned in this episode:BIG Media LLC Copyright 2025This Podcast is a product of BIG Media LLC and Copyright 2025 Visit https://bigmediallc.com for more from BIG Media LLC!BIG Media LLCZJZ Designs Holiday 2024 Prints Available NowZJZ Designs Holiday 2024 Prints Available Now. Featuring Eddie The Elf! Check Out ZJZDesigns.com!ZJZ Designs

Rune Kvist and Rajiv Dattani, co-founders of the AI Underwriting Company, reveal their innovative strategy for unlocking enterprise AI adoption. They detail how certifying and insuring AI agents, through rigorous technical standards, periodic audits, and insurance, builds crucial "AI confidence infrastructure." This discussion explores how their model addresses AI risks, enables risk pricing in nascent domains, and aligns financial incentives for safe, responsible AI deployment. LINKS: AI Underwriting Company Sponsors: Tasklet: Tasklet is an AI agent that automates your work 24/7; just describe what you want in plain English and it gets the job done. Try it for free and use code COGREV for 50% off your first month at https://tasklet.ai Shopify: Shopify powers millions of businesses worldwide, handling 10% of U.S. e-commerce. With hundreds of templates, AI tools for product descriptions, and seamless marketing campaign creation, it's like having a design studio and marketing team in one. Start your $1/month trial today at https://shopify.com/cognitive PRODUCED BY: https://aipodcast.ing CHAPTERS: (00:00) About the Episode (02:53) AI Risks and Analogies (09:14) Insurance, Standards, and Audits (14:45) Insuring Ambiguous AI Risk (Part 1) (14:54) Sponsor: Tasklet (16:05) Insuring Ambiguous AI Risk (Part 2) (25:26) Managing Tail Risk Distribution (27:45) Introducing The AIUC1 Standard (Part 1) (27:50) Sponsor: Shopify (29:46) Introducing The AIUC1 Standard (Part 2) (35:45) The Business Case (40:43) Auditing The Full Stack (48:00) The Iterative Audit Process (54:58) The AIUC Business Model (01:02:26) Aligning Financial Incentives (01:08:56) Policy and Early Adopters (01:11:58) Outro SOCIAL LINKS: Website: https://www.cognitiverevolution.ai Twitter (Podcast): https://x.com/cogrev_podcast Twitter (Nathan): https://x.com/labenz LinkedIn: https://linkedin.com/in/nathanlabenz/ Youtube: https://youtube.com/@CognitiveRevolutionPodcast Apple: https://podcasts.apple.com/de/podcast/the-cognitive-revolution-ai-builders-researchers-and/id1669813431 Spotify: https://open.spotify.com/show/6yHyok3M3BjqzR0VB5MSyk

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Thousands of people who've paid millions of pounds into an insurance plan they thought would cover their funeral costs face getting nothing in return. The insurer has told them their policies are being cancelled. Some had paid into the plan through their credit union for decades expecting a cash payment to go to their families when they died. But the cover will now come to an end as the insurer says a clause in the contract allows it to pull the plug with 30 days' notice and give its customers - a number of whom are in their 80s - nothing.Now you might think receiving one tax demand a year is more than enough, but if you happen to be subjected to a so-called 'Simple Assessment' by HMRC you may well just have received a second one. HMRC have confirmed that they have started either issuing – or updating previously issued – Simple Assessments to include savings interest from 2024-25. But some tax advisors are concerned that people who paid their first bill covering earnings - back in the summer - could easily get confused and find themselves paying twice, once this new demand arrives.And - with speculation mounting as to what will be in the Chancellor's budget – now just four weeks away – listeners have contacted us with their views about what may, or may not happen to Cash ISAs. This follows speculation that Rachel Reeves may reduce the cap on the amount you can save tax free in a cash ISA from £20,000 to a much lower amount such as £10,000, with the caveat that savers would be incentivised to invest more into the stocks and shares of British companies. Presenter: Paul Lewis Reporters: Sarah Rogers, Jo Krasner Researchers: Eimear Devlin, Catherine Lund Editor: Craig Henderson Snr News Editor: Sarah Wadeson

Elijah and I dive into some of my most controversial takes, things I believe today that most people will agree with in 20 years. From mouth breathing and marriage to AI and heart disease, this episode is packed with stuff nobody's talking about but probably should be. No fluff, just sharp takes and honest conversation. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

In this episode, farmer and educator Jodi Roebuck talks about the importance of being frugal when handling the business's finances.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

In this quick episode, you'll learn a simple but powerful tool advisors can use to maintain strong boundaries, protect their time, and still deliver a seamless client experience. We explore why scheduled send and delay delivery matter, how they shape client expectations, and how they support the structure of your Model Week.

In this episode of the Malibu Guru Podcast, Joe and Eric dive into how artificial intelligence is using flight data to assess risk and shape aviation insurance. From automated risk scoring to data-driven policy decisions, insurers are analyzing real flight behavior—insights that could impact your premiums and coverage. Let us know what you think about this in the comments!Did you hear the news? Joe just released his very first book! You can grab your copy of Long Story Short: Stories From a Lifetime in the Cockpit on Amazon: https://a.co/d/4JGtIgq

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In this episode of More Than Commas, Cory breaks down one of the biggest questions in investing today: Is AI in a bubble? Using clarity, and a Three Stooges analogy, Cory explores how companies like OpenAI, Nvidia, Oracle, and others have created a tightly interwoven financial ecosystem, one that looks innovative, but also suspiciously like a closed loop of money, growth assumptions, and circular investments. He explains how "round tripping" works, why OpenAI loses money on every prompt you enter, and how Nvidia's rapidly aging chips complicate long-term value. Drawing parallels to the dot-com boom, Cory highlights what's different this time, and what isn't. Most importantly, he offers clear guidance: diversify, understand the risks beyond hype, and stay grounded in timeless financial principles. A timely deep-dive for anyone watching AI stocks soar and wondering what's really happening behind the scenes.   -- Hank Green (The State of the AI Industry is Freaking Me Out): https://www.youtube.com/watch?v=Q0TpWitfxPk The Knowledge Project (Anthony Scilipoti: The Bubble No One is Talking About): https://podcasts.apple.com/us/podcast/anthony-scilipoti-the-bubble-no-one-is-talking-about/id990149481?i=1000733851707   -- Timestamps: 01:00 – Three Stooges clip and fractional-reserve analogy 02:20 – How banks differ from AI company structures 03:10 – OpenAI, Nvidia, Oracle and the AI investment loop 05:30 – Visualizing round-tripping (Bloomberg + Hank Green) 06:55 – Why AI firms lose money on every user interaction 08:20 – Lessons from the dot-com bubble and infrastructure 09:40 – Diversification: why owning the whole market matters 11:20 – Closing thoughts: bubble, boom, or something bigger?   -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

In this episode of the Less Insurance Dependence Podcast, Lester de Alwis welcomes Ryan Mingus, Managing Director at Tusk Practice Sales, to discuss how insurance dependence and evolving legislation are shaping dental practice valuations. From Medicaid cuts and PPO reimbursement stagnation to the impact of inflation and tariffs, Ryan explains how these trends affect profitability and deal structures in the dental M&A landscape. He offers practical insights for dentists planning to sell or transition, including how to strategically reduce insurance participation and prepare for a smooth and lucrative exit. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/   If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://www.lessinsurancedependence.com/csm/ 

Happy Thanksgiving Week! We are so grateful for you, and we are beyond blessed that you chose to join us on Brothers in Arms! Tonight we declare, “Don't be a hater tot,” and I sang off key, you sound like Batman who smoked 2 packs a day, Slingblade Batman, podcasting from the hanger, I don't need an airplane, God bless Navy medical, Sick Call make two lines, I made a student cry today, that guy's an idiot, you're right - I married the smart one, kid-free, hunting the farm, confused over clamshell pizza, Theo and manly poops, Mom met the landlord, war wagon deer hunting, with all the bad luck, deer are dumb animals but good protein, does rental insurance cover bullet holes, quality crisp audio, Bob Barker - he was my first, and a singular Dad joke to get your gobbler going! All this and a few tales from the Hunt on this week's episode of Brothers in Arms!   Where you can reach us: YouTube: BrothersinArmsPodcast Instagram: Yourbrothersinarmspodcast Twitter: @YourBIAPodcast Gmail: yourbrothersinarmspodcast@gmail.com Twitch: Twitch.tv/brothersinarmspodcast (schedule varies due to life) Website: https://brothersinarms.podbean.com

In this episode, Chuck D and Marcus C discuss the recent government shutdown, its effects on employees and retirees, and the importance of having a financial plan. They explore the challenges faced by those returning to work, the uncertainty for retirees, and the mental health benefits of planning and communication in relationships. The conversation emphasizes the need for preparation in the face of potential future shutdowns and the value of having a solid strategy for retirement.The government shutdown lasted 43 days, the longest in history.1.4 million employees were unpaid during the shutdown.Essential employees had to work without pay, affecting their finances.Retirees faced uncertainty with delayed pension checks and processing.Many employees drained savings and incurred credit card debt during the shutdown.Having a financial plan is crucial for retirement readiness.Mental health benefits arise from having a plan and open communication.Walking with loved ones can improve both physical and mental health.The importance of family meals without distractions for relationship building.Future government shutdowns may require better preparation and planning.

“Personal finance is personal.” — Anthony Weaver In this episode of Better Call Daddy, host Reena Friedman Watts and her dad, Wayne, welcome Anthony Weaver, a financial educator and podcast host, to dive deep into the fascinating world of personal finance and the stories our wallets tell. Anthony shares his journey from teaching mathematics to exploring the nuances of money management, discussing how his relationship with money has evolved over time. He reflects on the importance of understanding the psychology behind spending and saving, emphasizing that personal finance is not just about numbers, but about the choices we make based on our values and experiences. Understanding Money Mindsets Anthony explains how our upbringing shapes our financial habits, from couponing to hoarding, and how the mindset of scarcity can affect our ability to enjoy life. He encourages listeners to rethink their money narratives and to consider what truly brings joy in their lives. He shares valuable insights on: - The thrill of couponing and how it can lead to significant savings - The importance of enjoying experiences while being financially savvy - How to navigate insurance and healthcare costs effectively - Strategies for teaching financial literacy to younger generations Life Lessons & Future Aspirations As a member of the sandwich generation, Anthony discusses the realities of caring for aging parents while planning for his own future. He reveals his curiosity about the funeral industry and the importance of discussing end-of-life plans with loved ones, emphasizing that it's never too early to have these conversations. Wayne adds his wisdom, highlighting the balance between saving for the future and enjoying the present, reminding us that life is precious and should be lived fully. Keywords & Core Themes Personal Finance, Couponing, Financial Education, Money Mindset, Insurance, Healthcare Costs, Financial Literacy, Parenting, Saving, Spending, Life Lessons, Podcasting, End-of-Life Planning, Money Management Episode Highlights (00:00) Welcome to the Better Call Daddy Show (01:20) Meet Anthony Weaver: From Teacher to Financial Educator (05:45) The Evolution of Money Mindsets (12:30) The Thrill of Couponing: Tips & Tricks (20:15) Navigating Insurance and Healthcare Costs (30:00) Teaching Financial Literacy to Kids (40:50) Conversations About End-of-Life Planning (50:00) Wayne's Wisdom on Saving and Enjoying Life (55:30) Closing Thoughts and Reflections Connect with Anthony Weaver Podcast: About That Wallet  Connect with Reena Friedman Watts Better Call Daddy Website | LinkedIn | Instagram | YouTube Thank you for tuning in to Better Call Daddy—where wisdom, creativity, and heart meet!

In this conversation, Andrew Bowen discusses the challenges and opportunities in the rental housing market, particularly focusing on the issues surrounding traditional deposit systems. He explains how his company, LeaseLock, is revolutionizing the rental process by providing lease insurance that benefits both renters and property owners. The discussion also covers the importance of data insights in understanding market trends and the ideal client profile for their services.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Guest host Scot Bertram welcomes Phil Kerpen, president of American Commitment, to break down a new report that's raising eyebrows in Washington. Kerpen explains how AARP has played a major behind-the-scenes role in pushing for what many are calling massive insurance bailouts, and what that means for seniors, taxpayers, and the future of U.S. healthcare policy. It's a sharp, fact-driven conversation that cuts through the noise and gets to the heart of who really benefits from these proposals.

Nov. 26, 2025 - State Sen. James Skoufis, an Orange County Democrat, shares insights he gleaned from a recent hearing into the cost of residential property insurance and discusses possible actions lawmakers might take in 2026.

Taylor Riggs, co anchor of The Big Money Show on Fox Business, breaks down the latest inflation numbers and what they actually mean for consumers. She talks about political responsibility for rising costs, trends in home insurance premiums, and how federal policy and the Federal Reserve shape affordability, jobs, and the broader economy. Taylor also shares personal updates and looks ahead to local events including Thanksgiving and Guns and Hoses.

In this episode, the guys sit down with WaveRez head of sales Zach Eischen for a candid, humorous, and insight packed deep dive into the realities of selling in the watersports industry. From navigating customer acquisition challenges to understanding key metrics like CAC and lifetime value, the guys break down what actually drives growth for operators today. Along the way, they share stories about industry relationships, the psychology behind sales decisions, and why transparency, adaptability, and genuine connection still outperform any script or tactic. Whether you're looking to tighten up your sales process, improve client relationships, or simply hear honest talk about what's working (and what's not) in watersport operations, this episode delivers it all.[SPONSORS] - This show is sponsored by Take My Boat Test, WaveRez and Granite Insurance.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

If you sell life insurance over the phone — or you WANT to — this video is absolutely going to change the game for you.Today I'm sitting down with Chris Ball from Life Insurance Academy… and listen, if you haven't heard of Chris yet, he's one of the best telesales trainers in the country. This dude hosts telesales bootcamps all over the U.S., helping agents every single month sharpen their skills, boost their confidence, and start closing policies like a pro.

The COP30 climate conference ended without references to fossil fuels after lobbying pressure. Al Gore criticized petrostates for blocking progress and argued the world has reached "Peak Petrostate." Outside the UN process, 24 countries have agreed to coordinate on fossil-fuel phaseout efforts, with Colombia and the Netherlands hosting the first international conference in 2026. An archival look back at Gore's 1992 Earth Summit warnings underscores the longstanding concerns. Support The Clean Energy Show on Patreon for exciting perks! Arkansas has launched its first-ever wind project: a 135 MW installation using 32 U.S.-made turbines. The project delivers significant local benefits, including $950,000 annually to Cross County and over $50 million to landowners over its lifetime. Microsoft has committed to purchasing all generated power under a 20-year agreement. Insurance companies are expanding into climate-risk consulting, offering inspections and adaptation guidance before disasters occur. Zurich Insurance now employs dozens of climate risk engineers, reflecting a growing industry segment. According to S&P Global, the world's 1,200 largest public companies face an estimated $1.2 trillion annually in climate-related physical risk by 2050. Some firms cannot obtain coverage without taking mitigation steps. Tehran Faces Possible Relocation Iran's president warned that Tehran may no longer be viable due to severe ecological strain, including chronic water shortages, sinking land, frequent power cuts, and hazardous air quality. The government has discussed relocating the capital to the Makran coast, though significant financial, infrastructural, and security challenges remain. Lightning Round Electric heavy trucks are expanding rapidly in China, reducing lifetime operating costs by 10–26 percent and contributing to an 11 percent drop in diesel demand.  And more! Contact Us cleanenergyshow@gmail.com or leave us an online voicemail: http://speakpipe.com/clean Support The Clean Energy Show Join the Clean Club on our Patreon Page to receive perks for supporting the podcast and our planet! Our PayPal Donate Page offers one-time or regular donations. Store Visit The Clean Energy Show Store for T-shirts, hats, and more!. Copyright 2025 Sneeze Media.    

Well, the government shutdown is over, but if you ask most Democrats about the unresolved challenge that the shutdown was about, the answer would be healthcare. This week the White House postponed its planned rollout of a new proposal to address health care costs. And with open enrollment season upon us, millions of Americans are already seeing higher health insurance costs as subsidies are set to expire. Jonathan Cohn is a senior national correspondent at The Bulwark and the author of “Sick: The Untold Story of America's Health Care Crisis— and the People Who Pay the Price” and “The Ten Year War: Obamacare and the Unfinished Crusade for Universal Coverage.” He joins WITHpod to discuss what's driving higher prices, biggest inflection points since the Affordable Care Act was passed and what he sees as the most viable next steps. Sign up for MS NOW Premium on Apple Podcasts to listen to this show and other MS podcasts without ads. You'll also get exclusive bonus content from this and other shows. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When Julia Stalder heard the words ductal carcinoma in situ, she was told she had the “best kind of breast cancer.” Which is like saying you got hit by the nicest bus. Julia's a lawyer turned mediator who now runs DCIS Understood, a new nonprofit born out of her own diagnosis. Instead of panicking and letting the system chew her up, she asked questions the industry would rather avoid. Why do women lose breasts for conditions that may never become invasive? Why is prostate cancer allowed patience while breast cancer gets the knife? We talked about doctors' fear of uncertainty, the epidemic of overtreatment, and what happens when you build a movement while still in the waiting room. Funny, fierce, unfiltered—this one sticks.RELATED LINKS• DCIS Understood• Stalder Mediation• Julia's story in CURE Today• PreludeDx DCISionRT feature• Julia on LinkedInFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

SummaryIn this episode, Sean M Weiss and Terry Fletcher discuss the complexities of compliance in healthcare, particularly as the year comes to a close. They explore the importance of understanding revenue cycle management, the disconnect between clinical and payer policies, and the necessity of reading contracts thoroughly. The conversation emphasizes the need for common sense in clinical practices and the critical role of compliance programs in healthcare settings.TakeawaysThe importance of understanding revenue cycle management as the year ends.There is often a disconnect between clinical policies and payer policies.Providers must read and understand their contracts before signing.Medicare sets the standard for many insurance companies' policies.Insurance companies prioritize profit over patient care.Common sense is crucial in clinical practices and billing.Services should only be billed once completed, not prematurely.A written compliance plan is essential for healthcare practices.Compliance programs should be dynamic and regularly updated.Payer policies must align with clinical practices for effective compliance.

I connected with React 19 at the Children's Health Defense Conference in Austin earlier this month. I wanted to invite some of its members to share their stories of COVID shot injuries. To this day, most of the public is unaware of the horrific adverse events many people experienced when doing the “right thing” by taking the “vaccine” during COVID.Doctors ignored their conditions or claimed they were psychosomatic. Insurance companies often refused to cover their treatments, surgeries, and medications. Some victims' lives have been forever altered. They've gone from healthy and vibrant to bedridden and wheelchair bound. Some have died. Will anyone acknowledge them? Acknowledge their suffering? Acknowledge they tried to do their part to stop the spread of the virus—only to endure lifelong suffering?Will they ever be heard?React 19's mission is to support these victims and provide a platform through which they can share their story. At Love & Life we see them; we hear them; we walk arm and arm with them. They are not alone. We will continue to speak out and validate the trauma they've endured. Chris Pigott joins me today to share his story. Thank you for listening and bearing witness.Chris PigottX | x.com/pigott24React19React19 is a science-based non-profit offering financial, physical, and emotional support for those suffering from long-term Covid-19 vaccine adverse events globally. React19's mission is to bring healing to the moms, dads, friends, and loved ones who are facing life-altering side effects from their Covid-19 vaccine. The organization builds bridges between patients and research institutions in order to develop a better understanding of vaccine complications. React19 works with both patients and providers, as well as research teams. Its programs all fall within three categories of assistance (financial, physical, and emotional). Programs include funding, promoting, and sharing relevant scientific research; bringing the right medical teams together with patients; direct financial assistance via the CARE Fund; educational outreach; and supporting communities where impacted people can begin to heal physically and emotionally. Learn more at react19.orgDr. Karin & Pastor Elliott AndersonWebsite: http://loveandlifemedia.com/Empowered Dating Playbook: smarturl.it/EmpoweredDatingBookInstagram: @dr.karin | @pastorelliottanderson

In this special compilation episode of Making Risk Flow, host Juan de Castro revisits conversations with the industry leaders who shaped Season 7. Join Allison Thornicroft, Yaemish Rughoo, Mark Allan, Greg Hendrick, Bilge Mert, Jean-Jacques Henchoz, and Lambros Lambrou to explore why speed and efficiency matter in commercial insurance, how AI and technology are reshaping underwriting workflows, and the key strategies insurers are using to standardize processes and drive real value for clients. Discover how top carriers are accelerating quote-to-bind cycles, modernizing underwriting workflows, and redefining the insurance operating model for real impact.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Are you a licensed health professional who's tired of being at the mercy of insurance reimbursements or feeling stuck on the social media hamster wheel just to attract clients? In this episode, I sit down with Becky Bell, a registered dietitian and alum of the Nourished Business Accelerator (NBA), who has cracked the code to creating a profitable, scalable hybrid practice. Becky shares how she transitioned from a cash-pay model to a blend of insurance and cash-pay services that has doubled her income without burning out or compromising client care. From replacing her Instagram marketing with SEO (and never looking back!) to crafting a high-touch offer that includes reimbursable services, Becky walks us through the process of building an insurance/cash pay hybrid business that supports both your clients and your lifestyle. Whether you're a dietitian, therapist, NP, or another licensed health provider, you'll walk away with inspiration and practical insights to make this hybrid model work for you too. Timeline Summary: [0:00] - How licensed health professionals can double their insurance income while reducing marketing burnout. [1:02] - Meet Becky Bell: how she built a thriving, insurance-based business without relying on Instagram. [4:45] - Becky's journey from an all-cash pay model to integrating insurance without sacrificing outcomes. [8:17] - Why she resisted taking insurance initially, and what finally changed her mind. [12:34] - The step-by-step process Becky used to get credentialed and test her new hybrid offer. [18:10] - Structuring a signature offer that blends insurance-covered sessions with high-value cash-pay services. [24:17] - The secret to successfully selling hybrid programs: it's all about positioning and outcomes. [34:41] - Why Becky ditched group programs and doubled down on one-on-one support. [40:52] - How Becky maintains her high-value services with less than 10 hours a week outside of sessions. [43:56] - The SEO strategy that replaced Instagram and now brings in nearly all of her clients. [52:49] - Final thoughts: why this hybrid model might be the best-kept secret for sustainable health businesses. Top 5 Quotes: "I spend way less time marketing than ever before and I'm busier than I've ever been." "I was starting to feel like I wish I could expand who I serve without sacrificing the level of outcomes I get for people." "Most of my clients right now are coming from Google search. I took a break from Instagram and I never went back." "What insurance companies pay me now is only about 50% of my total revenue. The rest comes from the hybrid model I created." "If I had to start over, I'd start with my website and SEO. That's what's filling my business today." Links & Resources: DM me CASH on Instagram @lauraschoenfeldrd to join the Cash Pay Kickstart (Enrollment Closes 11/30/25) The Nourished Business Accelerator - Apply Here Contact Becky: becky@rootednutritiontherapies.com If you loved this episode, make sure to follow, rate, and review the show! It helps us reach more health pros ready to build a sustainable, profitable business. See you next week on the Nourished CEO Podcast!  

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

In this episode, I sit down with Todd Pisarczyk of Momentus Wealth Management to unpack what it really looks like to go from a great advisory practice to a truly scalable, CEO-led firm. Todd shares the behind-the-scenes shifts, the unexpected realizations, and the tangible systems he built through coaching that helped him move from “doing all the things” to running a business with clarity, confidence, and a long-term vision. From refining processes to elevating the client experience, this conversation is packed with real advisor wins and practical inspiration. In this episode you'll learn: • Why even successful advisors hit a wall when their practice starts feeling like a “real business” • How documenting processes changed the game for Todd's team of eight and created repeatability for the next generation • The planning, tax, and client-experience upgrades that now keep almost every client showing up for reviews • How shifting into the CEO role brought Todd clarity, confidence, and a bigger mission for his firm • Why group coaching amplified his growth far beyond what he expectedTodd's story is an amazing reminder that growth doesn't require being a “hot mess.” Sometimes the biggest leaps come from refining what's already working, creating structure around what's been living in your head, and surrounding yourself with advisors who are building remarkable businesses too. His journey shows what's possible when you finally step into the CEO seat, create repeatable systems, and elevate your client experience with intention.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Grand Openings, Team Dynamics, and Holiday FunIn this episode of The Making Of, Dr. Ashley Joves and Collin are joined by Dr. Toni Torres to discuss the latest updates and challenges at Bloom Dental Co. They discuss team dynamics, holiday plans, temp staffing solutions, and Dr. Torres' upcoming grand opening event. The trio also dives into engaging topics such as personalized patient experiences, the importance of proper documentation and inspections, and fun group chat about Thanksgiving traditions. Join them for an exciting and informative conversation filled with insights and laughter.00:00 Introduction and Special Guest Announcement00:51 Casual Conversations and Catching Up02:19 Recap of Last Week's Highlights03:26 Fun This or That Game08:09 Sleep Hygiene and Digital Detox14:01 Bloom Dental Co. Updates15:08 Patient Experience Enhancements21:12 Insurance and Claims Challenges26:57 Scheduling and Operational Efficiencies34:06 Surprise Inspection: Radiology Control Program37:22 Navigating CE Audits and Requirements40:48 HR and Payroll Setup for a New Practice47:09 Handling Employee Time Off and Sickness55:13 Planning the Grand Opening Party01:03:01 Thanksgiving Plans and GratitudeToni's Ask to the Audience:What are offices doing for temp employees if someone calls out sick? Are there apps or angencies?Connect with Ashley @ashleyjovesddsConnect with Toni:Instagram: @the.joyful.dentist @bloomdental.coWebsite: www.bloomdentalco.coSponsors: This episode of The Making Of Podcast is made possible by:Studio 8E8 — Dentistry's story-driven growth agency for startups. Learn more: https://s8e8.com/vslNet32 — Your one-stop marketplace for comparing dental supply brands, vendors, and pricing: www.net32.com/themakingofFind Out More Thank you for listening to The Making Of podcast. If you enjoyed it, please share with anyone you think will gain value from the show by clicking on one of the sharing tabs above. SUBSCRIBE to our NEWSLETTER HERE Also, please consider leaving an honest review on iTunes. It helps other listeners find the show, and I would be forever grateful.Questions or comments? Feel free to contact us at - themakingofadental@gmail.comFollow us on Instagram or Facebook and improve your dental practice every day!Have you subscribed? Don't miss a single episode!

On Today's episode of Transforming Healthcare with Dr. Wael Barsoum, we're excited to be filming for the first time and that too with an incredible leader in the payor industry, Tony Helton. Tony Helton is the President and Chief Executive Officer for Medical Mutual of Ohio. Prior to being appointed to his current role in November 2024, he was the organization's EVP and CFO. Earlier in his career, Helton spent nearly two decades at the Cleveland Clinic in several roles, including Interim CFO and Executive Director of Revenue Cycle Management and Continuous Improvement. Helton earned a bachelor's degree in accounting and an MBA from John Carroll University. Join us as we delve into what a mutual is, the differences between mutuals and insurances, and Tony's mission for his community and his incredible journey in this industry.    

Nine Mistakes Wealthy People Make Episode 359 – A few weeks ago we took an in-depth look at some of the things wealthy people understand that the rest of us tend to miss. Today, we'll take a look at the opposite: some financial mistakes that even wealthy people tend to make, and how we can help avoid them. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 359 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: nine mistakes wealthy people make. A few weeks ago, we took an in-depth look at some of the things affluent people understand that the rest of us seem to miss. But even successful, well-educated people do some dumb things. Today, we'll cover the exact opposite of what we did before: some financial mistakes that even wealthy people tend to make. Here are nine of them: Putting too much money into a single investment. Diversification is one of the cardinal rules of investing, but many wealthy people tend to break it. And it's understandable why. So many of the ultra-rich became that way by starting, or investing in, just one or a handful of companies. Elon Musk and Jeff Bezos are great examples of this. At some point, putting too much money into a single investment just creates unnecessary risk. Some employees at companies like Enron and Lehman Brothers put all their retirement savings in their company stock. It worked spectacularly—for a while—but it eventually became almost worthless in a very short time. [1] Very few investors enjoy the measure of success that Musk and Bezos experienced. They can be underinsured. It doesn't really matter how wealthy you are, people make mistakes with their insurance across the board. If you don't have enough homeowner's insurance, it could end up costing you millions if you live in a valuable home.[2] And if you're concerned about your children and grandchildren, life insurance can be an important and efficient way to transfer your wealth to future generations. They have too much personal real estate. Some wealthy people tend to have too many expensive homes in remote places that they rarely visit. And they can be a significant cash drain. If you don't use the place frequently, it may not be worth holding onto it. If you want to vacation in some unusual places, sometimes it may be better to rent.[3] Or if you insist on keeping the place, maybe you should consider renting it out when you're not using it. Trying to keep up with their peers. It's human nature, and the wealthy aren't exempt from keeping up with the Joneses. When we see our friends living it up, it tends to make us want to do the same. And if we're not careful, it could mean significantly less savings and too much debt.[4] Lack of liquidity. Private equity is all the rage these days, but there's a downside. Some people tend to be too optimistic when they buy into illiquid assets. The fact is that for a variety of reasons, most of them don't work out, even if it seems like a great idea. And if it doesn't work out, it can be a drag on your finances for years.[5] Fear of missing out, or “FOMO.” It seems that no one is exempt from this. Believe it or not, a recent study suggested that the wealthy are actually among the worst offenders.[6] Rich people may think they know better than the average investor. But they can be just as susceptible to media hype and/or greed. It pays to keep a long-term perspective and remember the fundamentals. Neglecting estate planning. What do Howard Hughes, Prince, Sonny Bono and Pablo Picasso have in common? They all died with a lot of money but without a will.[7] It seems that the wealthy should all have done at least some rudimentary estate planning. But that's not always the case.Whether you have a lot of money or not, you probably want to make sure it goes to the people or charitable organizations you care the most about. But if you don't have an estate plan, you give up your right to decide these things. And it's not just a will. It can be a succession plan for your business or an advance medical directive.[8] Lifestyle creep. There is a tendency among the wealthy: the more you make, the more you end up spending on things like travel, fancy meals and transportation. There are so many examples of people—such as Michael Jackson or Lindsay Lohan—who overdid it and paid the price later on. The truth is that it's easy to increase your lifestyle, but once you're there, it's much harder to bring it back down. If you're not careful, spending habits can become unsustainable for just about anybody.[9] Not understanding that wealth is about more than money. Newsflash: some of the richest people in the world are terribly unhappy. In the words of author Riley Clendenin, “True financial success isn't just about accumulating wealth—it's about using money as a tool to build a meaningful, balanced life. The smartest investors understand that their financial portfolio is only one part of their overall wealth, and they invest just as much in their health, personal growth, and happiness as they do in their bank accounts.”[10] The ultra-wealthy certainly have the benefit of a bigger cushion when they make a financial error. And they all make mistakes, some big, some little. But the rest of us can also learn something from the errors that wealthy people tend to make, and how to avoid them. [1] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [2] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [3] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” www.fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [4] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [5] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [6] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [7] Phillips Erb, Kelly. “17 Famous People Who Died Without A Will.” Forbes.com. https://www.forbes.com/sites/kellyphillipserb/2016/04/27/17-famous-people-who-died-without-a-will/ accessed October 22, 2025). [8] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [9] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [10] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. 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